Josh doesn’t limit himself to traditional advisory- he goes above and beyond for his clients and has a great network of professionals he can refer clients to. He has helped us do everything from transitioning to s-corp to evaluating life insurance options and did it all with a kind and thoughtful approach. Cannot recommend him more!

My husband and I shied away from properly managing our money for two reasons: unwillingness to pay a percentage of our portfolio to an asset manager, and fear of the unknowns in personal finance. A friend then pointed us to Josh and we’ve never looked back. There is plenty in personal finance that we don’t get, but Josh has a way of patiently and thoroughly explaining things so we feel comfortable and confident. He’s exceptional at providing the amount of detail we ask for, and knows (based on feedback he has solicited) when we get overwhelmed and want him to take the reins. We wholeheartedly recommend Josh to anyone looking to outsource financial planning to a very competent, thorough, and honest advisor. He’s also been a genuine pleasure to get to know as we’ve worked together.

I've always known I've needed a financial advisor based on my total ineptness in managing my finances. But every time I paid wild fees for an advisor through a large firm, I felt like I was getting ripped off. It was never clear what actual value they were providing, especially at their high rates. Enter Josh. I have never been more pumped about anyone I've ever worked with in my life. Josh took one of the things I hated most and made it a dream. He sees around corners. He takes care of our money. He helps us figure out how to navigate processes I find overwhelming (setting up my own 401k, navigating all types of insurance, actually understanding whether we can make a large capital purchase and what that would mean, ensuring our assets are properly diversified in a way we can actually understand). Josh is the best money I've ever spent, and more importantly, one of the kindest and most competent humans I've ever had the pleasure of working with. Everyone in the world should be so lucky to get to work with someone as smart, ethical, and reliable as Josh. He will my advisor until I die (which will hopefully not be for many years).

Working with Josh was an incredibly helpful and productive experience. Josh didn’t just tell me what to do, but walked me through the “why” - sharing the history and research behind each financial decisions so I could move forward confidently. He really listened to my situation as an expat planning a move to a expensive U.S. city, and his fee-only model kept the focus on my goals. Couldn't recommend more highly.

Josh is an excellent advisor. Now that my husband and I have been working with him, I finally feel confident in knowing where all our money is and that it's being allocated appropriately to meet our goals. This was especially helpful after we got married and combined our finances. No question is too small for Josh. He's happy to weigh in on all kinds of things like car loan rates, how to prioritize risk, and "can you remind where to go to transfer my old 401k again". He jumps in to help and is great at keeping us organized!

Josh has been a huge benefit to my wife and me. He was very thorough in seeking to understand our priorities and our future goals before he started making recommendations. He's also very good at communicating complex financial concepts and strategies to our level, never making us feel like we're asking a dumb question. With Josh, I never feel like "just another client" and he's been incredibly generous with his time, giving us confidence and peace of mind in our financial future.

Josh recently reached out to collaborate with both of us on financial planning, helping us maximize our current finances - such as consolidating stock and investment portfolios - and advising on the best strategies for allocating money in a high-yield savings account (HYSA) for short-term goals versus investing in the market for long-term growth. He has also guided us in preparing for future milestones, including buying a car, paying off our mortgage early, and planning for child-related expenses from birth through college. One of our most notable experiences with Josh was his ability to connect us with an independent insurance consultant for our home insurance. Thanks to his recommendation, we increased our personal liability coverage by 160%, added extended replacement cost coverage of 50%, and raised our deductibles by over 300%. Not only do we feel much more secure with this enhanced coverage, but we were also pleasantly surprised that it actually lowered our total annual premium by about $70! Josh is highly regarded in our household, and we look forward to seeing him help many other clients just as he has helped us.

Josh makes me feel like I'm his only client. He is smart, fast, and always available to support me - whether it's a simple question, or a much more elaborate request. He holds me accountable to follow through on important action items I owe him, and most of all, he makes me feel confident that my financial future is secure and optimized.

Josh is truly exceptional. He has an incredible breadth of knowledge around financial planning, and is thoughtful, smart, and kind. Josh has taken the time to understand our specific goals, needs, and risk tolerance, and has tailored his approach based on this information. He's also highly skilled at breaking down complex concepts and presenting them in ways that are easy to understand. Josh is extremely reliable (always follows up as needed) and responsive to any questions that pop up. We so value his advice and trust him completely to make recommendations that our in our best financial interest. We couldn't recommend Josh more!