About Us
MEET THE FOUNDER
Joshua Owen Herlan
Personal CRD Number: 5422990
- Bachelor of Science Political Science, Oklahoma State University
- Masters of Quantitative Finance, Oklahoma State University
- Series 7 (inactive) & 66
Business Background:
07/2020 – Present:
- Financial Advisor & CEO – Future U Financial Inc.
03/2012 – 08/2020:
- Financial Advisor –Morgan Stanley Wealth Management
04/2010 – 03/2012:
- Financial Advisor –Bank of America Wealth Management
07/2007 – 03/2012:
- Staff Sergeant – US Army Reserve
12/2004 – 02/2006:
- Embedded Trainer, Afghanistan – United States Army
WHAT IS ADVICE ONLY?
“Advice-only financial planning is a type of financial planning service where a financial planner provides advice and recommendations to a client on how to manage their finances, without selling any financial products or receiving any commissions from financial product providers.
HOW WE DO IT
After an initial call to determine if we might be able to add value to your family, we then work to quantify your financial lives and the opportunities for success.
By linking your financial accounts to our secure software we are able to provide an initial financial plan, review the risks, fees and potential of your current investments, and provide continued monitoring.
We meet people in our office or at their home or office to ensure they are comfortable at every step of the way. We focus a lot of time on the initial stages of the relationship to ensure people are set up for success.
WHY US?
After years at two of the world’s largest wealth management firms we’ve realized clients can afford their own dinners and golf trips. What they really want is uncompromized financial advice that is transparent without a sales agenda,
Therefore, we leave schmoozing to other firms and just focus on sound advice.
Keep all your assets where they are
See all your accounts in one place
Know when you can retire
As little as 15 minutes per month
PLANNING DURING YOUR LIFECYCLE
SHORT-TERM OBJECTIVES
LONG-TERM OBJECTIVES
RISK PROFILE
PORTFOLIO ALLOCATION
PORTFOLIO ASSET CLASS
ACCUMULATION STAGE
Age 20-35
- Paying off student debt
- Buying real estate
- Building emergency savings
- Saving for children's education
- Accumulating wealth
- Aggressive
PREPARATION STAGE
Age 35-60
- Taking vacations
- Funding children's educations
- Planning for retirement
- Moderate
RETIREMENT STAGE
Age 60+
- Achieving desired lifestyle
- Covering medical expenses
- Estate planning
- Conservative
