Financial Futures

What Financial Futures does

Financial Futures LLC is a fee-only fiduciary financial planning and investment management firm based in Brielle, New Jersey, founded in 2004 by Jorie Johnson (CFP, CPA/PFS, MBA). The firm serves individual households, predominantly high-net-worth clients, with a practice model built around three integrated service lines: financial planning, investment management, and tax planning. Tax planning is treated as a core, not auxiliary, competency, differentiated by the founder's CPA/PFS credential and reinforced through a formal partnership with Four15 Advisors for tax preparation. The advisory team comprises four CERTIFIED FINANCIAL PLANNER professionals holding additional credentials including CFA, CPA, EA, and MBA.

The firm operates on a tiered AUM-based fee schedule, charging 1.00% on assets up to $500K, scaling down to 0.50% on assets above $5M, with assets under management of approximately $60M as reported in a WSJ profile. The firm is a member of NAPFA and the Financial Planning Association, and has received repeated Five Star Wealth Manager awards, with the team appearing in Dow Jones and WSJ market commentary. The technology stack is conventional RIA-tooling; no proprietary platform or AI-driven capability is referenced.

The business model is a traditional hourly-and-AUM-fee advisory practice. Revenue is a function of AUM and a tiered effective fee rate, with no recurring subscription or productized offering beyond personalized financial planning advice. Client acquisition is relationship-driven, supported by a long tenure of the founder and consistent media presence. The client base is geographically concentrated in the New Jersey/Mid-Atlantic region, though the firm uses video conferencing to serve clients beyond its immediate geography.

Name

Financial Futures

Legal name

Financial Futures LLC

Website

https://financial-futures-llc.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Financial Futures LLC is a fee-only fiduciary advisory firm in Brielle, NJ, founded in 2004, providing financial planning, investment management, and tax planning for high-net-worth individuals through a team of four CFP professionals.

Ownership category

akta.pro rank

Product category

Financial Planning and Investment Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industry

Fee-Only Advisory (FSAEAAAL)

Keywords

• Fee-only financial planning
• Investment management services
• Retirement planning advisory
• Tax planning services
• Wealth management advisory

Headquarters

HQ city

Brielle

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Planning and Investment Management Fees: Fee-only financial planning and investment management services billed as a percentage of assets under management (AUM). Initial engagement fee plus annual planning and asset management fees paid quarterly. The firm is a registered investment advisor providing fiduciary financial advice.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Financial Futures is a fee-only fiduciary financial planning and investment management firm serving individuals, couples, freelancers, and small business owners, primarily in the New Jersey area. The firm delivers goals-based financial planning, diversified portfolio management, and tax planning as an integrated offering, with complementary planning modules for retirement, insurance, cash flow, small business, and charitable giving.

Product overview

Financial Futures LLC is a fee-only fiduciary independent financial planning and investment management firm founded in 2004. The firm operates as a single integrated advisory service rather than a software platform, offering financial planning, investment management, and tax planning as a unified service. The core offering centers on a goals-based financial planning approach complemented by investment management and tax planning services. Additional planning modules address goal planning, retirement planning, insurance planning, cash flow management, small business owner services, and charitable giving planning. The firm also offers tax return preparation through an affiliated entity, Four15 Advisors. Pricing is based on assets under management, ranging from 1.0% for portfolios up to $3,000,000 down to 0.50% for portfolios over $15,000,000.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Services Goals-based financial planning approach that helps clients prioritize goals, focus on what matters, and achieve peace of mind. Emphasizes reducing tax liability while balancing saving for the future and living well today. Designed for individuals, couples, freelancers, and small business owners seeking integrated planning across goals, retirement, insurance, cash flow, charitable giving, and small business.
• Investment Management Diversified portfolio management matched to client risk appetite and time horizon for financial goals. Helps clients navigate the investment marketplace to put long-term goals into action. Provided on a fee-only, AUM-based basis.
• Tax Planning Strategies to minimize tax liability by understanding how financial decisions impact taxes, enabling clients to achieve goals more tax-efficiently. Delivered by team members with Enrolled Agent and CPA credentials as a core, integrated component of the firm's advisory offering rather than an add-on.
• Tax Return Preparation Tax return preparation services offered through partner Four15 Advisors, an unaffiliated entity, billed for a separate fee. Extends the firm's tax-related capabilities beyond ongoing tax planning into annual filing for clients.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Four15 AdvisorsminorImplementation/ SI/ Consulting PartnerTax return preparation services are offered through Four15 Advisors, an unaffiliated entity, for a separate fee. This partnership extends service capabilities to include tax preparation beyond the financial planning and investment management services directly offered by Financial Futures.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Buckingham Strategic Wealth: Large fee-only fiduciary RIA providing financial planning and investment management, also operating on a percentage-of-AUM model. Directly comparable in fiduciary structure and service offering, though much larger in AUM scale.
• Ritholtz Wealth Management: Fee-only RIA known for content-driven lead generation (The Big Picture blog, podcast appearances) and a founder with strong media presence. Closely comparable business model and marketing approach to Financial Futures.
• XY Planning Network: Network of fee-only financial planners serving Gen X and Gen Y clients with a recurring flat-fee model. Directly comparable customer focus (younger, growing-net-worth households) and fee-only fiduciary positioning.

Emerging players

• Facet Wealth: Tech-enabled flat-fee financial planning firm targeting middle-class households; competes for the same 'growing net worth' and pre-retiree segments but with a technology-led delivery model. Represents the tech-disruption counterpoint to Financial Futures' traditional approach.
• Wealthfront: Leading robo-advisor offering automated investment management and financial planning at a fraction of traditional AUM fees. Competes for younger and fee-sensitive clients within Financial Futures' 'grow net worth' segment.

Broad incumbents

• Empower (formerly Personal Capital): Hybrid digital wealth manager combining free tools, robo-advice, and human advisor services at scale. A broad incumbent offering competing services across all of Financial Futures' target segments.
• Schwab Intelligent Portfolios Premium: Schwab's hybrid robo-advisor product offering CFP-led planning with unlimited access to CFAs, competing on both price and credibility against small fee-only RIAs like Financial Futures.
• Edelman Financial Engines: Largest independent RIA in the US, providing fee-based financial planning and investment management to individuals and employer plan participants. Broad incumbent competing for similar mass-affluent and retirement-ready clients.
• Carson Group: Large RIA platform supporting affiliated advisors with technology, coaching, and back-office services; competes for the same small-firm advisor acquisition market and targets similar end-client segments.
• Creative Planning: Large fee-only RIA offering comprehensive financial planning, investment management, and tax planning across all client segments. Comparable service breadth but at vastly greater scale than Financial Futures.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/FinancialFuturesLLC

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Financial Futures