Advice-Only Financial Planning for High-Income  Professionals

We help you make smart decisions with your money — without commissions, pressure, or hidden agendas.

A Better Future Starts with U

Future U Financial, located in the heart of Oklahoma City, offers various financial planning services tailored to meet each client’s unique needs. Our expertise lies in providing ‘Advice Only’ services, a distinctive At Future U Financial, we offer transparent, advice-only planning designed to help you live better today while building the future you want.

What We Cover:

    • Protection Planning: Life insurance, wills, trusts, and beneficiary reviews to safeguard your legacy.
    • Investment Alignment: Ensure your assets match your goals, risk tolerance, and timeline.
    • Smart Savings Strategy: Know how much to save—and stick to it with a plan built just for you.
    • Tax-Efficient Investing: Use the right accounts—Roth, IRA, 401(k), SEP, etc.—in the right way.
    • Custodian & Fee Review: Evaluate your financial institutions for service, transparency, and costs.
  • Ongoing Support: Secure software. Custom review schedule. No surprises. Just real help.

How We Charge

We estimate your needs upfront.
You choose how to pay.
We don’t sell products.
Our pricing strategy is designed to equal access to all people,
regardless of net worth.

Robert

I've worked with Josh for about 1 year and am very pleased with the level of service and value. I've always been on the fence of starting with a full service breakage due to the fees, commissions and pushing loaded funds. Future U Financial made sense for me because I wanted to get independent financial advice at a fair price and Future U Financial completely fit that for me. Thank you!

John

Great financial advice that keeps my investments growing. The bigger brokerage firms charge exorbitant fees. On advice of Future U Financial (FUF), I moved my assets to a “no-fee” trading service. Now, for a very reasonable monthly subscription to FUF, I get investing advice, do my own trading, and SAVE BIG on avoiding the trading fees. And I get a level of personal attention that has educated me on investment strategies and the workings of the stock market. Being in control of my investments by being advised and educated by FUF is the best financial move I’ve ever made.

Grady

I have definitely enjoyed working with Josh on my retirement goals. We have a standing meeting every two weeks to touch base and make sure we are on track. I would definitely recommend Josh to anyone looking for an advisor!

Matt

Over the past year, I haven't been able to decipher the market indicators to feel confident my money would be appreciating at a level that meets expectations. Therefore I haven't been doing anything, which makes my anxiety go up. I got introduced to Josh and he explained how Future U Financial is an advice only firm and I will not have to pay commission or trade fees. This coupled with scheduled on my time financial planning sessions made me a customer. for the past 6 months, I now have direction and a plan that I'm excited about as we navigate through extraordinary times. The only regret I have is not working with Josh sooner.

Dustin

These guys are THE BEST! I sincerely feel like they keep me from missing the boat on when to trade. Their advice has been right on the money, and they are extremely proactive. My retirement account is doing so much better since I started with Future U Financial! Highly recommend.

Robert

I've worked with Josh for about 1 year and am very pleased with the level of service and value. I've always been on the fence of starting with a full service breakage due to the fees, commissions and pushing loaded funds. Future U Financial made sense for me because I wanted to get independent financial advice at a fair price and Future U Financial completely fit that for me. Thank you!

John

Great financial advice that keeps my investments growing. The bigger brokerage firms charge exorbitant fees. On advice of Future U Financial (FUF), I moved my assets to a “no-fee” trading service. Now, for a very reasonable monthly subscription to FUF, I get investing advice, do my own trading, and SAVE BIG on avoiding the trading fees. And I get a level of personal attention that has educated me on investment strategies and the workings of the stock market. Being in control of my investments by being advised and educated by FUF is the best financial move I’ve ever made.

Grady

I have definitely enjoyed working with Josh on my retirement goals. We have a standing meeting every two weeks to touch base and make sure we are on track. I would definitely recommend Josh to anyone looking for an advisor!

Matt

Over the past year, I haven't been able to decipher the market indicators to feel confident my money would be appreciating at a level that meets expectations. Therefore I haven't been doing anything, which makes my anxiety go up. I got introduced to Josh and he explained how Future U Financial is an advice only firm and I will not have to pay commission or trade fees. This coupled with scheduled on my time financial planning sessions made me a customer. for the past 6 months, I now have direction and a plan that I'm excited about as we navigate through extraordinary times. The only regret I have is not working with Josh sooner.

Dustin

These guys are THE BEST! I sincerely feel like they keep me from missing the boat on when to trade. Their advice has been right on the money, and they are extremely proactive. My retirement account is doing so much better since I started with Future U Financial! Highly recommend.

Robert

I've worked with Josh for about 1 year and am very pleased with the level of service and value. I've always been on the fence of starting with a full service breakage due to the fees, commissions and pushing loaded funds. Future U Financial made sense for me because I wanted to get independent financial advice at a fair price and Future U Financial completely fit that for me. Thank you!

Gain confidence with a custom plan and investment strategy

See if we’re a fit. No pressure. Just honest advice. Book a 20-Minute Chat
Welcome to Future U Financial. America’s leader in the Advice Only financial planning movement. Future U is different, and it’s not for everyone. Here’s why. 
First, we don’t invest for you.  Not a penny. Instead, based on our values of radical transparency, with the knowledge and guidance to invest for yourself. We’ve found this new advice-only process enhances trust, communication, and helps to improve your family’s likelihood of financial independence. 
Secondly, by using the same secure software as the industry’s elite firms, it puts your family and our team on the same page… allowing us to monitor your investments in real time. Monthly updates, scheduled recurring calls or in impromptu meetings allow up-to-date feedback on your financial goals during all market conditions.
We work with your existing assets to quantify if they are appropriate for you, in line with your risk tolerance, and add value to what you are currently doing. However, unlike traditional firms, it is not necessary to change firms or accounts to work with us.
 
No longer do just high net worth investors get all the attention. Now, regardless of net worth, we help ensure your money is working as hard for you as you did to earn it.
 
If you are serious about your financial future, schedule a time today to see how we can add value.

We Empower you to take control of your future by:

  • Assessing current asset managers
  • Benchmarking investment fees
  • Uncovering Risks in your portfolio and planning
  • Creating or updating a financial plan
  • Projecting retirement date and income

WHY 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.

Choose your plan:

No commitments
Change or cancel your plan anytime
A Financial Professional in your Corner

Investment Calculator

/>

We offer as much or as little hand holding as you need

Active or Passive Investment Strategies
Talk as much or as little as you’d like
Custom advice to your situation

Service

Offering

Pricing

Initial Consultation
-Determine if we can add value
Free
Client Onboarding
-Financial Plan -Ensure appropriate custodian -Assert Allocation Review
$500 (two hour minimum at $250 per hour. Determined on a case-by-case basis. Depends on complexity of financial life)

Passive Investing

– Custom Meeting Calendar
– Only pay for requested time
– Passive investment recommendations

$250 to $1,000 annually

Tactical Investing

– One hour meeting per month
– Active Management
Investment Alerts to your inbox
– Custom portfolio to your goals
– Included limited individual stock recommendations

$500 monthly ($150 per hour for additional hours)

Personalized Advice based on where you are in life

Start your life of financial independence today

Accumulation

Preparation

Distribution

PLANNING DURING YOUR LIFECYCLE

SHORT-TERM OBJECTIVES

LONG-TERM OBJECTIVES

RISK PROFILE

PORTFOLIO ALLOCATION

PORTFOLIO ASSET CLASS

ACCUMULATION STAGE

Age 20-35

The portfolio is heavily skewed towards equities to generate capital gains

PREPARATION STAGE

Age 35-60

The portfolio becomes more balanced as retirement approaches.

RETIREMENT STAGE

Age 60+

The portfolio shifts toward fixed income to preserve capital and generate steady income.

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.

MEET THE FOUNDER

Hello,

Welcome to Future U Financial. America’s leader in the Advice Only financial movement. I’m the founder, Josh. I’m a dad, a veteran, and someone deeply committed to empowering you to live a better life through financial literacy. My firm is different from what you’ve probably seen, and it’s not for everyone. 

First, we don’t invest for you.  Not a penny. Instead, of keeping you in the dark, we believe in radical transparency. We empower you with the knowledge, and guidance to invest for yourself. I’ve found this process enhances trust, communication, and ultimately improves your family’s odds for success. 

By using the same secure financial planning software as the industry’s elite firms, it puts your family and our team on the same page by allowing us both to see all your investments in real-time. However, unlike most firms, it is not necessary to change firms or open new accounts to work with us.

Regardless, if you are new to investing or have been doing it for years, we will be with you every step of the way.  If you are serious about securing your financial future, I encourage you to schedule some time to chat and see if we’re a good match. 

Invest in the Future U today!

All the best,

Josh

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, and how to invest for today's markets

As little as 15 minutes per month

01

We are able to give truly independent advice

Capitalize on low hanging fruit to identify a ballpark value added.

02

Financial advice based on your goals

Override the digital divide with additional clickthroughs from DevOps.

03

We're here to help during market volatility

Nanotechnology immersion along the information highway will close loop.

Testimonials

It is a long established fact that a reader will be distracted by the readable content of a page when looking at its and

John Doe Designation

It is a long established fact that a reader will be distracted by the readable content of a page when looking at its and

John Doe Designation

It is a long established fact that a reader will be distracted by the readable content of a page when looking at its and

John Doe Designation

It is a long established fact that a reader will be distracted by the readable content of a page when looking at its and

John Doe Designation
Financial Advisor Tulsa

Level-Up Your Investments with us

We bring the breathe of our experience.