Team and Platform

Our Wealth Advisors

We are practitioners first, not salespeople, combining industry leading qualifications (CFA®, CPA, CFP®) with top tier experience and education, to provide a high quality of service we are proud of. Our advisors work as a team across all engagements, with one point person per client, but leaning on one another's expertise where required. Despite working with clients primarily over Zoom, we are in office five days a week to maximize the benefit of our combined expertise. The client engagement process (planning, investing and coaching) is therefore uniform across all clients, ensuring the quality of service remains as high as possible for every client.

We are able to provide the desired level of service as a small and independent firm because of our team's experience, qualifications, education and, most importantly, similarity to our core clients. We too are young professionals, living in or adjacent to a big city, in the wealth building phase of our lives, laying the foundation for our financial independence, all while living our best lives on the way. 

Ryan Sterling headshot

Ryan Sterling 

CFA®

Experience: 

  • Founded Future You Wealth in 2019
  • Prior Wealth Management industry experience: Capital Group (2015 - 2019), BBR Partners (2014 - 2019), Goldman Sachs (2012 - 2014), Bernstein Wealth Management (2005 - 2010)

Qualifications and education:

  • Chartered Financial Analyst (CFA®)
  • MBA, specializing in Investment Management (Vanderbilt University)
  • BA Economics (Carleton College)


James Bashall 

CPA

Experience:

  • Joined Future You Wealth in 2023
  • Prior Wealth Management industry experience: Anchor Capital (2019 - 2021, 2023)
  • Broader Financial Services experience: Step Advisory (management consulting, 2017-2019), KPMG (Audit and Risk Management, 2013 - 2016)

Qualifications and education:

  • Certified Professional Accountant (CPA), Chartered Accountant (CA(SA))
  • MCom Finance (University of Cape Town (UCT))
  • MSc Psychology (Applied Positive Psychology and Coaching Pscyhology, University of East London)
  • Post-graduate Diploma in Accounting (UCT)
  • Bachelor of Business Science (Finance and Accounting, UCT)

Will Toczylowski 

CFP®
Experience:
  • Joined Future You Wealth in 2024
  • Prior Wealth Management industry experience: Capital Group (2019 - 2024), BNY Mellon (2017 - 2019), Mariner Wealth Advisors (2016 - 2017), Fidelity Investments (2015 - 2016)

Qualifications and education:

  • Certified Financial Planner (CFP®)
  • BS Finance and Economics (Providence College)


Operational Platform

Compliance

Lauren Sterling

Experience:

  • Wealth Management industry experience at AllianceBernstein, Golub Capital, and CFA Society New York

Education:

  • MBA (Cornell University)
  • Bachelor of Science in Speech Communication (Southern Illinois University Carbondale)

Custodian


  • Custody of assets held at Charles Schwab, the largest custodian for Registered Investment Advisors (RIAs)
  • Schwab holds the assets, we use their interface which clients have access to for real-time updates, and statements come from Schwab
  • We utilize Schwab's tools to optimize our investment process, including iRebal, Schwab's market-leading rebalancing software

Key Tech Utilized

  • Planning is done using off-the-shelf software, RightCapital
  • RightCapital runs statistical simulations to provide confidence intervals of client futures. In essence, it is building a complex financial model of our clients' future
  • Key variables are flexed to understand the impact of goals on one another, and to find the optimal balance given the information we know
  • From the plan, actionable goals are distilled and pursued
  • YCharts is an investment research and data vizualisation tool used to monitor and stress test model portfolios