Future U Financial Inc.

Future U Financial provides financial planning and consulting to individuals (including high‑net‑worth clients), charitable organizations, and business entities. The firm customizes plans and recommendations and advises across a range of investment types, with a primary emphasis on exchange‑traded funds alongside mutual funds, fixed income, real estate funds, annuities, equities, and occasional venture capital and options strategies.

The firm operates largely on a non‑discretionary basis and does not trade client accounts or take custody, so clients retain responsibility for executing recommended transactions while receiving model allocations and tailored advice. Future U employs a mix of analytical approaches — including charting, cyclical, fundamental, quantitative, technical analysis, and modern portfolio theory — and may recommend both long‑ and short‑term strategies as well as options trading when appropriate.

A distinctive feature of the firm is the unusually large concentration of assets reported as non‑discretionary relative to discretionary (the brochure shows a substantial non‑discretionary amount versus a modest discretionary balance), reflecting an advice‑centric rather than manager‑of‑record model. The firm does not participate in wrap fee programs, does not accept performance‑based fees, and leaves proxy voting and trade execution to clients, while offering periodic plan reviews and a broad menu of permissible investment types.