Future U Financial Inc.

Future U Financial provides financial planning and consulting to a small, diverse client base that includes individuals, high‑net‑worth individuals, charitable organizations, and business entities. The firm offers one‑time and ongoing planning and investment advice across a range of vehicles — with an emphasis on exchange‑traded funds — while reporting $50,000,000 in non‑discretionary assets and $450,000 in discretionary assets for its 12 clients.

The firm tailors plans through client interviews and may use model allocations alongside specific recommendations, employing a mix of analytical methods (charting, cyclical, fundamental, quantitative, technical and modern portfolio theory). Future U recommends long‑ and short‑term trading strategies and options trading (including covered and uncovered options), but does not exercise investment discretion and does not execute trades in client accounts.

Noteworthy features include the firm’s unusually large proportion of non‑discretionary AUM and its explicit absence of portfolio management/discretion for client accounts, relying instead on client‑directed implementation; it also uses standing letters of limited authorization for fee deductions. The brochure highlights access to a broader array of instruments than some peers — including REITs, annuities, TIPS, precious‑metal ETFs and venture capital funds — and documents formal compliance procedures and a Code of Ethics despite the firm’s small client base.