Joshua Mangoubi, CFA, MBA
Retirement planning for families entering a new chapter. Fee-only fiduciary.
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Serving Clients Nationwide
Retirement planning for families entering a new chapter. Fee-only fiduciary.
Areas of Focus
- Business Transitions
- Estate Planning
- Investment Management
- Loss of Spouse or Partner
- Medicare / IRMAA Planning
- Retirement Income Planning
- Social Security Optimization
- Tax-Aware Retirement Income Coordination
About Joshua Mangoubi, CFA, MBA
Hi, I'm Joshua Mangoubi, Founder and Chief Investment Officer of Considerate Capital.I am Wealth Advisor to affluent families, retirees, business owners, and surviving spouses.
My work focuses on helping clients make informed decisions about retirement income, investments, tax planning, Social Security, estate planning, Medicare planning, and the financial transitions that accompany major life events.
Prior to founding Considerate Capital, I was a Partner, Portfolio Manager, and Senior Investment Analyst at Sanborn Kilcollin Partners, where I managed portfolios for pensions, endowments, family offices, banks, Fortune 500 retirement plans, and high-net-worth investors.
My investment philosophy began with a biography of Warren Buffett, which led me to Benjamin Graham and to the conviction that investing has a logic that can be learned.
I earned my MBA with High Honors from the University of Chicago Booth School of Business, where I learned from two Nobel laureates: Richard Thaler in behavioral economics and Eugene Fama in market efficiency. I am a CFA Charterholder and a member of Beta Gamma Sigma.
I live just north of Chicago, with my wife and our three children.
Professional Designations
- Chartered Financial Analyst (CFA)
- Master of Business Administration (MBA)
Affiliations
- The AGC
Primary Location
Northbrook, IL 60062
Video
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Percentage of Assets Managed
What to expect in the first meeting
Everything starts with one conversation. Before we can guide you, we need to know you. The first conversation is about your story: where you've been, where you are, and what you're trying to build. This is an unhurried first conversation by video or phone, your preference. No documents, no questionnaire, no homework. Show up exactly as you are. There is no charge for a first conversation.Offers Investment Management
Yes
About Considerate Capital
Considerate Capital is a fee-only, fiduciary wealth management firm based in Northbrook, Illinois, working with families across the country.Who We Serve
We primarily work with thoughtful pre-retirees and retirees who have $2 million or more in investable assets and want an ongoing advisory relationship rather than a one-time plan.
We work intentionally with people who've spent decades building something (careers, families, businesses, savings) and who now want a long-term partner to help them think clearly about what comes next.
We are generally not the right fit for DIY investors or one-time planning engagements.
Our Philosophy
We do not start with products or market predictions. We start with the life you want your wealth to support, then build a retirement income and investment strategy around that, in five stages we call the Considerate Method.
The goal is not simply to optimize a portfolio. We work alongside our clients on retirement income, lifetime tax planning, healthcare and Medicare decisions, and estate coordination, all together rather than in isolation.
Transparent Pricing
Our fee is based on assets under management, on a tiered, blended schedule disclosed in writing before any engagement begins — as assets grow, the incremental tiers bill at lower rates. It is our only compensation: no commissions, no product revenue, and no hidden charges. Client assets are held independently at Charles Schwab; we never custody funds or securities directly.
Education
The University of Chicago Booth School of Business, Master of Business Administration (M.B.A.), Finance, Accounting, Econometrics & Statistics, Economics | The University of Kansas, Bachelor of Science (B.S.), Business Administration
Hobbies and Interests
- Family
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Corporate Executives
- Couples
- Entrepreneurs
- Families
- Intergenerational Families
- Living in Retirement
- Pre-Retirees
- Widow
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