Futureplan Financial, Inc.

What Futureplan Financial, Inc. does

FuturePlan Financial is a 501c3 nonprofit corporation and Registered Investment Adviser founded in 2022 and headquartered in Melbourne, Florida (Southeast USA). The organization provides income-based fiduciary financial coaching and holistic planning services targeted at median- and lower-income families who are underserved by traditional for-profit advisory firms. The service catalog comprises six integrated modules — goal setting, budget coaching, debt reduction, education funding, retirement planning, and estate planning — delivered through ongoing coaching relationships led by Executive Director and primary coach Dr. Michael Carey.

There is no proprietary technology platform; service delivery is human-led, supplemented by a WordPress website (blog, contact forms) and direct consultation via phone and email. Go-to-market is community-led: the firm runs money management seminars at churches, businesses, and nonprofits, complemented by a content-marketing blog authored by the Executive Director. The firm is registered to provide advisory services in the State of Florida, holds 501c3 status (EIN 2996187), and Dr. Carey is qualified via the FINRA-administered Series 65 examination.

The revenue model is a monthly subscription on a sliding scale tied to household income — $40/month up to $49,850, $60/month for $49,850–$74,775, and $80/month above $74,775 — with a 3-month minimum commitment. Fees are explicitly described as 'reduced by generous donations and low overhead,' and the firm does not sell securities, insurance, or annuities. Scale signals are modest: headcount of 1–10 employees and a reported 58 households mentored cumulatively, with a stated outcome that 61% of clients have saved at least $2,000 in an emergency fund by the end of coaching.

Name

Futureplan Financial, Inc.

Legal name

FuturePlan Financial, Inc.

Website

https://futureplanfinancial.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

FuturePlan Financial is a 501c3 nonprofit and Registered Investment Adviser that delivers income-based fiduciary financial coaching — goal setting, budgeting, debt reduction, education funding, retirement, and estate planning — to modest-income families, primarily in Florida.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

akta.pro secondary industries

Financial Planning Tools & Financial Coaching (Goal Setting, Apps, Advisors) (EDAAAJAN), Family & Life-Stage Financial Planning (Marriage, Kids, Caregiving) (EDAAAJAM), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Fiduciary financial coaching
• Fee-based financial planning
• Retirement planning services
• Debt reduction coaching
• Investment advisory services

Headquarters

HQ city

Melbourne

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Monthly Subscription Fees: FuturePlan Financial generates revenue through monthly subscription fees from clients. Fees are set on a sliding-scale basis based on income level, reduced by generous donations and low overhead. The 501c3 nonprofit structure allows for reduced-cost services to modest-income families.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

FuturePlan Financial is a 501c3 nonprofit Registered Investment Adviser that provides income-based fiduciary financial coaching and holistic financial planning services for modest-income families. Services are delivered as a monthly subscription on a sliding-scale fee basis and include goal setting, budget coaching, debt reduction, education funding, retirement planning, and estate planning. The organization does not sell securities, insurance, or annuities.

Product overview

FuturePlan Financial is a single-service financial coaching platform offered by a 501c3 nonprofit organization. The core offering is fee-based financial planning advice provided through six integrated service modules: Goal Setting, Budget Coaching, Debt Reduction, Education Funding, Retirement Planning, and Estate Planning. Services are delivered via human financial coaches who act as fiduciaries, providing personalized step-by-step action plans. The company operates on a monthly subscription model with sliding-scale fees ($40-$80/month) based on income level, and does not sell securities, insurance, or annuities.

Differentiator

Problem solved

Functional benefit

Products and services

• Fee-Based Financial Planning Services A 501c3 nonprofit organization providing fee-based fiduciary financial planning advice at reduced cost for families at or below median income, with a monthly subscription on a sliding-scale fee. Includes goal setting, budget coaching, debt reduction, education funding, retirement planning, and estate planning.

Quantifiable outcome

• 61% of FuturePlan Financial's clients have saved at least $2,000 in an emergency fund by the end of their sessions

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Money Management International: MMI is a national nonprofit credit counseling agency providing budget counseling, debt management, and financial education. Like FuturePlan, it targets working families seeking affordable, fiduciary-oriented advice rather than commissioned product sales.
• InCharge Debt Solutions: InCharge is a nonprofit provider of credit counseling, debt management, and financial education services to individuals and families. It overlaps directly with FuturePlan's debt-reduction, budget coaching, and household financial planning use cases.
• GreenPath Financial Wellness: GreenPath is a nonprofit credit counseling and financial wellness agency offering budget coaching, debt management plans, and housing counseling to modest-income households across the U.S. It is the most direct comparable to FuturePlan's nonprofit, fee-based, fiduciary-style financial coaching model for working families.
• Take Charge America: Take Charge America is a nonprofit credit counseling and financial education organization serving consumers with budgeting, debt, and money-management needs. Its mission-aligned, fee-based service model for modest-income families closely mirrors FuturePlan's positioning.

Broad incumbents

• SmartAsset: SmartAsset is a large digital financial advice and matching platform covering retirement planning, investing, taxes, and advisor matching. It is a broad incumbent in the consumer financial-planning space that FuturePlan competes against for household mind-share, but it is not nonprofit and serves a broader income spectrum.
• Dave Ramsey Solutions (Financial Peace): Ramsey Solutions is a large personal finance education brand offering Financial Peace University courses, budgeting tools, and coaching (including EveryDollar and Ramsey+). It serves a heavily overlapping modest-income audience seeking budget and debt-reduction guidance, but via a for-profit, content-driven model.
• Empower (Personal Capital): Empower (formerly Personal Capital) offers hybrid digital wealth management and human advisory services to retail investors, including retirement planning tools. It competes for the same household planning needs FuturePlan addresses, but at a higher income bracket and with a tech-first delivery model.
• NerdWallet: NerdWallet is a major consumer finance content and comparison platform providing free financial planning content, tools, and advisor referrals. It competes for the same modest-income audience that FuturePlan serves, though via free content rather than paid fiduciary coaching.

Others

• National Foundation for Credit Counseling (NFCC): The NFCC is the umbrella membership organization for nonprofit credit counseling agencies in the U.S. It is comparable as the industry infrastructure layer that legitimizes and certifies agencies like FuturePlan, but it does not directly compete for end clients.
• Foundation for Financial Planning: The Foundation for Financial Planning is a nonprofit that organizes pro bono financial planning services for underserved populations. It is adjacent to FuturePlan's mission of bringing fiduciary advice to lower-income households, though it operates by mobilizing volunteer CFPs rather than paid coaching subscriptions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/futureplan-financial-inc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Futureplan Financial, Inc.