You've spent years building your savings. Now you need to understand what it can actually make possible.
An Annual Portfolio Review Isn't a Retirement Plan
You learn how your investments performed. You still don't know if you can retire.
Tax Filing Isn't Forward-Looking Tax Planning
You learn what happened. You don't get a forward-looking plan for what to do next.
Product Recommendations Driven by Commissions
The recommendation may be influenced by the compensation earned from selling the product.
A Generic 60/40 Portfolio Isn't Your Strategy
It's a default allocation, not a strategy built around your retirement date, spending, and risk tolerance.
Everyone Handles a Piece. You're Left Connecting It All.
Your CPA handles taxes. Your advisor manages investments. Your attorney handles documents. You are left connecting it all.
A Static 4% Withdrawal Rule Ignores Retirement Changes
A fixed withdrawal rule can cause you to underspend and does not account for the adjustments retirement may require.
Can we actually retire, enjoy what we've built, and feel confident about what comes next?
You don't need another portfolio review. You need an answer you can trust.
What You Gain Clarity and Confidence On
See how ↓
Complimentary · 2 conversations · Directly with Joshua · No pressure
Here’s How It Works
Click any meeting to see what’s covered ↓
We organize your accounts, income, expenses, debts, benefits, insurance, and estate documents into one Financial Hub. We also learn about your financial background and the experiences that have shaped how you make decisions about money today.
You no longer have to carry the full picture in your head. You and your spouse have one organized place to see your important financial information.
Before reviewing financial accounts or making recommendations, we create your Life First Framework around your values, lifestyle, purpose, family priorities, travel, giving, and legacy goals.
You begin aligning your money with the life and values you want in retirement. Retirement becomes more than simply leaving work.
We review your estate documents, beneficiary designations, and legacy goals. Where appropriate, we coordinate the creation of powers of attorney, wills, healthcare directives, and trust documents through our approved partner network.
You begin putting the documents and instructions in place to protect your family and preserve your wishes.
We review prior-year tax information and identify future-year planning opportunities related to Roth conversions, withdrawal sequencing, tax-loss harvesting, RMDs, and bracket management. We also evaluate healthcare before Medicare, potential IRMAA considerations, long-term care needs, and whether your insurance coverage is appropriately sized.
You gain a clearer understanding of the tax, healthcare, and protection decisions that may affect your retirement plan.
We run different scenarios around retirement timing, spending, income, and portfolio construction. We compare your current portfolio with what may be appropriate for your desired retirement timeline, spending needs, risk capacity, tax situation, and asset-location strategy across taxable, tax-deferred, and Roth accounts. We also model your Social Security claiming options — comparing early, full retirement age, and delayed claiming — to identify which strategy may produce the best outcome given your health, other income sources, and retirement timeline.
You can see what retiring now, working longer, or spending differently may mean. You also gain a clearer view of how your portfolio may respond to different market conditions — and a specific, reasoned answer on when to claim Social Security, rather than a default assumption.
We review your completed written plan, projections, recommendations, priorities, and next steps.
You finally have one coordinated answer to the retirement questions you and your spouse have been carrying separately.
We clarify the recommendations, finalize applicable documents, answer remaining questions, identify who will implement each action, and establish ongoing maintenance and monitoring.
You do not leave with another report sitting on a shelf. You know what happens next, who is responsible, and how the plan will stay current.
My grandmother was sold a financial product she didn't fully understand, then never received the ongoing guidance she deserved. That experience shaped how I built Future Path: around clear planning, transparent fees, and a real relationship beyond the sale.
You worked hard to build your retirement. My job is to help you understand it, use it, and make decisions with greater confidence.
* This table represents the Retirement Clarity Sprint and Ongoing Partnership. If you choose to join the Ongoing Partnership, Future Path manages investments on behalf of those clients. To complete the Retirement Clarity Sprint, you are never required to move or transfer assets.
Complimentary · 2 conversations · Directly with Joshua · No pressure
They want a clear retirement decision and a professional who can coordinate and implement the plan over time.
“Our experience working with Josh Scannell is exceptional. He truly enjoys what he does, and he knows his business — he listens to your issues and concerns. We needed planning advice for retirement from estate-planning through wealth maintenance and growth, while navigating future tax implications throughout our future years as senior citizens. Josh always provides timely actionable feedback that is well organized and easy to understand. He’s a ‘people’ person with very effective communication skills when talking with you in-person or indirectly using information technologies.”
Disclosure: This review was provided by a current client of Future Path Financial Planning and posted on Google. No cash or non-cash compensation was provided in exchange for this review. Because the reviewer is a current client, they may have an incentive to speak favorably about the firm. This review may not be representative of the experience of other clients and is not a guarantee of future performance, results, or success.
SEC · IAPD
Regulatory Filing
Local · Niceville, FL
Niceville Chamber
Team & Partners
Altruist & XYPN
The Retirement Clarity Map is a complimentary, two-conversation diagnostic process for qualifying households.
In the first conversation, we discuss your retirement timeline, concerns, and current situation. In the second, we review a personalized map of the key planning priorities that deserve attention.
It is not a completed financial plan, investment recommendation, tax opinion, or legal opinion.
No. You do not need to transfer assets to complete the Retirement Clarity Sprint. The Sprint stands on its own and delivers a Personalized Retirement Plan.
If you continue into the Future Path Ongoing Partnership, that ongoing relationship is designed for clients who want us to manage and implement the investment portion of the plan.
The Retirement Clarity Sprint is $7,500, paid in two installments:
If you continue into the Future Path Ongoing Partnership after the Sprint, the remaining $3,750 may be waived — see the question below for details on how that works.
If, at any point before we present your completed Personalized Retirement Plan, you decide the process is not right for you or that we are not the right fit, tell us.
We will stop the Sprint and refund the fees you have paid, subject to the terms of the Retirement Clarity Sprint agreement.
The guarantee covers the planning process. It does not guarantee investment performance, tax savings, income stability, market performance, or any specific financial outcome.
After you receive your Personalized Retirement Plan, you have two options. You can take the plan and implement it on your own or with your existing professionals — in which case the remaining $3,750 Sprint fee is due at Meeting 7.
Or you can continue into the Future Path Ongoing Partnership — an ongoing relationship designed for people who want a professional to manage and coordinate the implementation of their plan over time.
The Ongoing Partnership is for clients who want ongoing investment management, proactive coordination as life changes, and a planner who stays involved — not just someone who reviews your situation once a year.
It includes:
The cost is $400 per month for financial planning, plus 0.49% annually on assets managed through the firm. If you commit to at least 12 months of the Ongoing Partnership, the remaining 50% of the Sprint fee ($3,750) may be waived.
The $400/month financial planning fee can be deducted directly from your investment account, so there is no separate out-of-pocket payment required each month.
The Sprint allows you to experience the planning process, receive a complete Personalized Retirement Plan, and determine whether a long-term relationship is right for you.
You do not have to transfer assets or commit to the Future Path Ongoing Partnership before experiencing how we work together.
If you continue, the Future Path Ongoing Partnership is designed for clients who want ongoing investment management, implementation, coordination, and plan updates.
Yes. Most meetings are conducted virtually, including for clients in Niceville, Destin, Fort Walton Beach, 30A, and throughout the Emerald Coast.
In-person meetings may be available when practical. Virtual clients outside the region may also be accepted when there is a strong fit.
The Retirement Clarity Sprint and Future Path Ongoing Partnership may include coordination of basic estate documents through an approved platform, including:
Complex amendments, deeds, trust titling or funding, complex trusts, and legal advice are handled through the attorney network at additional cost.
Start by identifying the type of help you actually need:
One-time planning: May fit capable DIY investors who want a plan and prefer to implement independently.
Hourly planning: May fit someone seeking help with one specific decision or limited project.
Ongoing planning and investment management: Fits people who want a long-term relationship, coordinated implementation, and a professional who remains involved as life changes.
Future Path is designed primarily for the third option. If you are specifically looking for hourly or project-based planning, the XYPN advisor network may be a useful place to explore other engagement models.
No. Future Path coordinates with your CPA, attorney, insurance professionals, and other relevant advisors.
We do not prepare tax returns or provide legal advice. Our role is to help connect your retirement income, tax, investment, protection, estate, and legacy decisions.
Two complimentary conversations, directly with Joshua. The Retirement Clarity Map is a personalized summary of your first conversation with us. It captures what you’ve built and what you want retirement to look like, the questions creating uncertainty, and a snapshot of where you stand today. It then highlights your highest-priority planning areas — taxes, retirement timing, family readiness, estate planning, and investments — along with the specific decisions each one requires. Yours to keep, whether you work with us, your current advisor, or on your own.
This is not a completed financial plan, investment recommendation, tax opinion, or legal opinion. Future Path Financial Planning is a registered investment advisor. All planning and investment decisions are subject to individual circumstances.
