Future You Wealth is for high-earning professionals, through all life stages, who want to make the most of their life and money. We offer comprehensive wealth management services that will help you save for your future and achieve your financial goals. With our help, you can rest easy knowing that you have a guide and a partner on the path to financial independence.
Client engagements are comprised of three key components:
(i) Planning: building a baseline understanding as to where you are going, and how you are most efficiently going to get there. The primary goal we work towards is financial independence by a target age, affording you the freedom to direct your time as you desire.
(ii) Investing: implementing the plan using evidence-based, low-cost strategic asset allocations, tailored to the needs of the individual. Portfolios are rebalanced periodically to remain in line with the investment plan, and tax efficiency is front of mind.
(iii) Coaching: sticking to the plan and goals requires accountability, and we're our clients' accountability partner. Any time a life decision comes up that has financial implications, we are here to help, for example buying a home, getting married, starting a family, exercising incentive stock options, changing job or starting a business.
Throughout our clients' wealth journey, we keep the "beyond wealth" principle front of mind: our approach to wealth management is not just about building more wealth, but also about how best to use that wealth to live a great life.
Ryan Sterling (CFA, MBA)
Wealth Advisor
Ryan founded Future You Wealth in 2019 after a 15-year career in the wealth management industry. Before starting Future You Wealth, Ryan worked at some of the world's leading financial institutions, including: Goldman Sachs, AllianceBernstein, and Capital Group.
Ryan has been featured in media outlets such as Business Insider, CNN Money, HuffPost, Time Magazine, and MarketWatch. He is a TEDx speaker and the author of the bestselling wealth management book "You're Making Other People Rich".
Ryan earned a BA in economics from Carleton College and an MBA with a specialization in Investment Management from Vanderbilt University. He is also a CFA charterholder.
James Bashall (MCom (Finance), MSc (Psychology), CA(SA))
Wealth Advisor
James joined Future You Wealth in 2023 following an 8-year career in financial services. James most recent work experience was in the wealth management industry with Anchor Capital in South Africa and the UK. Prior to that, he worked in strategy consulting (Step Advisory), financial services audit and risk management (KPMG), and academia, teaching and researching finance and accounting (University of Cape Town).
James grew up in South Africa and has lived and worked in multiple countries, including South Africa, the Netherlands, the UK, Ireland and the US.
James brings a unique blend of (i) the hard finance and accounting technical skillsets, required for strategic financial decision making, and (ii) soft behavioral finance and psychology capability, enabling him to effectively apply the hard financial knowledge to individuals in pursuit of their best life.
James earned a Bachelor of Business Science (finance and accounting), a Post Graduate Diploma (accounting), and a Master's in Commerce (finance), all from the University of Cape Town, and a Master's in Science (psychology) from the University of East London. All four tertiary qualifications were earned with top academic honors (first class honors/distinction). He is a registered Chartered Accountant (South Africa) and a member of the Chartered Accountants Worldwide Network USA.
General Information |
| Firm Start Year: | 2019 | |
| No. of Employees: | 2-4 | |
| Name of Broker/Dealer: | Charles Schwab |
| Name of Custodial Firm: | Charles Schwab |
| States Licensed in: | SEC, CA, GA, IL, MA, NH, NJ, NY, OH, TX |
| Work Experience: | Combined experience of our wealth advisors includes tenures at the following firms: Capital Group, BBR Partners, Goldman Sachs, Bernstein Global Wealth Management, and Anchor Capital. |
| Work with the following types of clients: | Individual Investors |
| Advisory Services Provided: | Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Education Funding and Planning, Financial Planning for Individuals, Investment Advice & Management |
Services |
| Investment Types: | Stocks, Bonds, Mutual Funds, Commodities, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Phone, Our Office, Email, Video Conference |
Firm Information |
| Firm's Number of Clients: | 200+ |
| Assets Managed by Firm: | $100,000,000+ |
Compensation and Fees |
| Fee Structure: | Fee-Only |
| Minimum Portfolio Size for New Managed Accounts: | $100,000 |
| Compensation Methods: | Based on Assets |
| Fee % Based on Assets: | 0.8% |
| Additional Details on Charges: | Fees are on a graduated scale, reducing to 0.6% for accounts over $1mm, and then to 0.4% for accounts over $5mm. |
FAQs |
Why should I choose you as my financial advisor?We pride ourselves on our independence, qualifications and experience, tailored high touch end-to-end service, and low, transparent fees. Further, we go beyond wealth: we recognize that wealth isn't an end in itself. We're focused on how money can be used as a fundamental resource for a great life. |
What are your qualifications? What is your education background?We hold academic qualification in the highest regard and as a result, only employ people highly qualified to do the job to the highest standard. All of our advisors have a master's degree in finance/business and all have a professional registration with a financial services specific professional body. |
How are you compensated? How will I pay for your services?Clients are charged a fee based on assets managed by the firm. Fees are charged on a quarterly basis and are taken directly from the assets under management; there are no quarterly cashflow requirements from clients' personal bank accounts. |
How many clients do you currently manage?We currently have over 200 client relationships with over $100mm in assets managed directly by the firm. This is spread across three advisors, so we both have capacity to serve our existing clients to the highest degree while also having capacity to continue to grow. |
Will you be the only person working with me?No! We work as a team, each with their own specialization which can be called upon when required. Each advisor is highly qualified in financial planning and wealth management, however, so they should be able to cover 95% of your needs. We pride ourselves in our humility, however, and will always call in a specialist when the needs of a client exceed what we are capable of doing in our own right (for example, for complex tax related matters, we will bring in a highly qualified and specialized CPA). |
Disclosures |
| WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. |
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Additional Detailed Disclosures |
Disclaimer |
| Future You Wealth, LLC ( FYW ) is a registered investment advisor with the Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Future You Wealth in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Future You Wealth, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. |
Registered Investment Advisor:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
| Mon. | 9:00 AM - 6:00 PM |
| Tue. | 9:00 AM - 6:00 PM |
| Wed. | 9:00 AM - 6:00 PM |
| Thu. | 9:00 AM - 6:00 PM |
| Fri. | 9:00 AM - 6:00 PM |
| We work primarily over Zoom, so our clients are nation-wide. |
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