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Overview
Future Now Services, LLC provides financial planning services focused on federal employees and families. They start with an initial meeting to assess finances, then create a personalized plan and execute the recommended strategies, including guidance on TSP transfers and federal benefits with ongoing reviews. They differentiate themselves by specializing in federal retirement systems and benefits, adopting a relationship-based, client-centric approach. Their goal is to help federal workers make informed financial decisions, preserve wealth, and smoothly navigate federal benefit programs for long-term security.
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Simplify's take
What believers are saying
- Website updated November 3, 2026 shows active marketing and current service positioning.
- Nationwide virtual consultations expand the addressable market beyond Bloomfield, New Jersey.
- Calendly booking and free consultations reduce friction for federal employees comparing advisors.
What critics are saying
- A founder-led practice risks immediate revenue loss if Dave Harewood stops selling.
- Federal-benefits advice invites FINRA, state insurance, and fiduciary scrutiny on every recommendation.
- One enforcement action over unsuitable insurance sales can destroy the practice's referral engine.
What makes Future Now unique
- Federal-retirement specialization in FERS, CSRS, FEGLI, TSP, FEHB separates it from generic planners.
- Dave Harewood’s 17-year tenure and FRC, CLTC credentials anchor the brand.
- Connect-Create-Complete process plus paperwork help turns advice into execution.
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