Financial Planning is not just about accumulating assets. It’s about helping families build truly purposeful and fulfilling wealth.”
I have spent my entire career helping families bring their financial dreams to fruition.
Throughout my career, I have found that most families I work with have a concrete understanding of what they want to accomplish regarding reaching retirement, funding their children’s education, or establishing their family legacy. However, most families need help defining their goals in actionable financial terms. I guide my clients through a thoughtful discovery process to help them understand the true “why” behind their aspirations. It’s easy to talk about the tangible aspects of money; it’s harder to identify the intangible motivating factor behind that money. Together, we can achieve financial success in an impactful, meaningful way for you and your family.
FOCUS AREAS:
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- Trust and Estate Planning
- Retirement Planning
- Cash Flow Management
- Portfolio Tax Minimization
- Risk Management
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Dayton Business Journal’s Top 40 under 40 in 2013. – Recognizing the top 40 business professionals in the Dayton area under the age of 40 for outstanding community service and contributions to the Dayton area business community.”
About the Assurgent Wealth Management team
Josh Styrcula, Advisor
Josh is a Fee-Only Wealth Advisor at Assurgent Wealth Management – an independent affiliate of Wealthcare Advisory Partners. He focuses
on improving clients’ lives by providing strategic, innovative, and holistic advice. For almost two decades, Josh has combined technology and sincere passion to deliver an unmatched client experience.
Prior to Assurgent, Josh was a Partner Advisor at AdvicePeriod working with families in multiple states. He capitalized on advancements in technology to provide a high-touch high-tech service to all of his clients.
Earlier in Josh’s career, he worked for a fee-only financial planning firm in Dayton, Ohio. In addition to working directly with clients on comprehensive financial plans, he led the investment team and focused on cutting-edge technology enhancements.
Josh served in the Ohio Army National Guard for 9 years. He was deployed overseas twice and provided relief during Hurricane Katrina. While serving, he graduated from Wright State University where he majored in financial services. He is a CFP® and a Certified Investment Management Analyst℠.
Josh lives with his wife and sons in Mason, Ohio where he is an active member of the community. Most recently Josh was elected to serve as one of Mason’s City Council Members. In 2012 he co-founded Young Professionals at Austin Landing, a nonprofit organization dedicated to advancing young professionals and serving the community.
Olivia Allen, Administrative Assistant
Olivia (she/her) joined the Assurgent team after having spent the beginning of her career as a financial advisor herself, during which time she earned her Series 7, 66, and life and health insurance licenses. Since switching roles, she has found her experience in the advisor seat provides a unique perspective that allows her to be proactive for her advisors, able to hit the ground running with her embedded understanding of fintech, paperwork/processes, and overall organization required to run an optimal practice.
Raised in Princeton, New Jersey, Olivia previously called Wilmington, North Carolina and Steamboat Springs, Colorado home. She currently resides in her partner’s home state of Arkansas where she is quickly learning to appreciate college athletics. She travels frequently, most recently to fish in beautiful Seward, Alaska. When not in her home office, Olivia can be found in a yoga studio, wake surfing in a nearby lake, or hiking with her dog, Jackson.
Why Wealthcare?
Established in 1999, Wealthcare Capital Management (Wealthcare) is a very different kind of a financial advisory firm. We pioneered a new way of providing financial life guidance, using Goals-Based Wealth Management. The cornerstone of our patented goals-based investing process is quite simply to help our clients, above all else, to make the most of their life.
We accomplish this by helping you understand and identify your most important life goals. And then we align your investments with those goals. Our process guides you through the myriad of changes in your life that will invariably require financial decisions. This is what we refer to as Financial Guidance for Life.
At Wealthcare, we measure our success in our clients’ fulfillment — one client at a time.
With our goals-driven investing approach, you will:
- Have your personal goals in complete alignment with your investments.
- Always know where you stand and we’ll present your progress reports in “plain” English.
- Have confidence in your ability to reach your goals, independent of market fluctuations and changing life circumstances.
Our Process
Wealthcare’s patented process is designed to help you reach your life goals, while minimizing unnecessary investment risk or needlessly sacrificing your life now.
Our process is dynamic and continual, as is life, and it will guide you through the entirety of your financial life.
MOST IMPORTANTLY, THE WEALTHCARE PROCESS IS YOU- DRIVEN. NOT MARKET DRIVEN. IT’S POWERFULLY SIMPLE. IT’S REFRESHINGLY CLEAR.
And it all STARTS WITH A GREAT CONVERSATION
A conversation that helps you to visualize your most important life goals
Dream Big
Do you like to travel? How will you pay for your children’s education? What exactly does “comfortable” retirement look like to you? You’ll cover these topics — and more — during our initial conversation.
We’ll use this conversation as a launching pad for creating your financial life plan. My objective as your Wealthcare advisor is to inspire and guide you toward pursuing the life of your dreams. I will help you define your life goals, and most importantly, will guide you toward achieving them.
But this is just a beginning. Wealthcare’s financial plan is not a “set it and forget it” tool. It’s a dynamic financial guidance system that evolves as your circumstances and financial markets change. I will continually monitor your plan against your changing life events and your investment portfolio, keeping the two in sync. Our software runs sophisticated market simulations, designed to monitor, measure and track your progress and report back to you with clarity.
Your Comfort Zone®
You will have confidence in your financial life plan because I will be constantly performing analytics in an effort to ensure your success. At Wealthcare, we call this being in the Comfort Zone. The Comfort Zone measures the probability of reaching your financial goals. And it also alerts you if you veer off course.
John & Ann's Confidence Level is 85%
Overfunded
Comfort Zone®
Underfunded
Click on a goal to see more
This chart is for illustrative purposes only.
Stay on Course
The Wealthcare process is YOU-driven, not market-driven. As your circumstances, goals and priorities change, I will work with you to make appropriate adjustments. Whatever life events come your way — from expanding your family to buying a vacation home — I will monitor and measure each event against its financial impact on your plan.
