We’re often asked what sets us apart from other wealth management firms. The answer is simple: as an independent advisory firm, we answer to you—and only you. Our experienced team is dedicated to helping you achieve your goals through our core mission of Trust & Service.

Yes. As an independent Registered Investment Advisor (RIA), Future Financial is a fiduciary. That means we are legally and ethically obligated to act in your best interest and disclose any potential conflicts of interest.

Here’s how we uphold that standard:

• We use an open architecture investment platform—no proprietary products.

• Our focus is on advice, not sales.

• We are not affiliated with a bank, insurance company, or Wall Street firm.

• We have no hidden compensation arrangements.

• We invest our own assets in the same strategies we recommend to our clients.

We’ve carefully selected Charles Schwab & Co. as our custodial partner. Schwab is a trusted name in the industry, offering robust security, transparency, and client-focused service. Learn more about our partnership in A Winning Relationship.

Yes. You have two convenient ways to access your accounts:

Schwab Alliance: Schwab’s secure online platform gives you full access to all accounts under your Social Security number. You can also update your address or phone number directly through the portal.

Future Financial Client Portal: Our platform allows you to view all household accounts (including spouse, children, etc.) in one place. You’ll also have access to a secure document vault containing past Schwab statements and quarterly reports.

We do not have a minimum account size. We believe everyone deserves access to high-quality financial advice, regardless of portfolio size.

We are registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser. The SEC is an independent federal agency that protects investors and ensures fair, orderly markets.

We regularly update our regulatory filings, including our Firm Brochure and Client Relationship Summary. You can learn more and research financial professionals at Investor.gov/CRS.

Your privacy and security are our top priorities. As outlined in our Privacy Policy, we follow strict internal practices to safeguard your information.

Charles Schwab also maintains a robust privacy policy and offers SchwabSafe®, a suite of security measures designed to protect your personal and financial data online.

We collaborate with a network of trusted professionals to support your broader financial needs, including:

• Insurance and protection planning

• Social Security benefit strategies

• Estate planning

• Tax planning and preparation

We’re here to ensure every aspect of your financial life is covered—with care, clarity, and confidence.