Josh Lancaster
CFA®
Brown Financial Advisory
Chief Investment Officer & Chief Compliance Officer
Josh Lancaster
CFA®
Brown Financial Advisory
Chief Investment Officer & Chief Compliance Officer
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Josh Lancaster, CFA®
Fee-Only financial planner located in Fairhope, AL, serving clients locally and across the country
Josh Lancaster is a fee-only financial advisor in Fairhope, AL serving clients throughout the Mobile Bay region and across state lines. Brown Financial Advisory provides comprehensive financial planning and wealth management to help individuals, families and high net-worth clients grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Josh Lancaster is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
It is interesting where life takes you. After graduating from college with a degree in Banking and Finance, Josh Lancaster went a different path and went to work as a managerial trainee in a major department store. Two things happened during that first job: he had his first child and quickly realized that the retail world was not for him. He went back to Finance, his first love, and has not looked back.
Josh has spent the last 26 years in the investment industry, 24 of those years with fee-only financial advising firms doing just about every job to be done. He has experience in the investment process from the selection of the investment models to the execution of trades. As a client adviser, Josh has seen first hand how working with a firm like Brown Financial can provide clients with peace of mind. He has held roles which include making sure that portfolio operations and the client experience run well and that the firm is compliant with the many regulations that govern the industry.
As the firm’s Chief Investment Officer, Josh is responsible for making sure that the investment process runs smoothly. In his role as Chief Compliance Officer, he strives to make sure the firm continues to meet its fiduciary responsibilities. Additionally, Josh partners with Scott to help implement the firm’s strategic vision and ensure continuity of leadership.
EDUCATION/CERTIFICATIONS
- BBA Banking and Finance, Mississippi State University, 1992
- Chartered Financial Analyst®, 2002
- Member of the CFA Society of Alabama
The greatest joy in Josh’s life is spending time with his family. Josh and his high school sweetheart, Laura, have five grown children (three sons and two daughters), a daughter-in-law, and a sweet granddaughter who was born on Christmas Day. Homeschooling all five children allowed the family to pile into their minivan and take many trips throughout the United States. Fun Fact: Josh collects coffee mugs from every place visited by the family and has over 100 mugs. Josh and his family are involved in their church’s Adventure Crew (kids) ministry and Primetimers (senior citizen) ministry. Another Fun Fact: Josh is a certified food handler in the state of Alabama which allows him to cook and serve in his church’s kitchen.
Josh Lancaster is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
Brown Financial Advisory was founded in 1986 and in our more than 30 year history we have helped hundreds of families achieve financial peace of mind. But our firm is not for everyone so it might help to know what three things make us different from “the other guys.”
First, Brown Financial Advisory is a “Fee-Only” firm and acts as a fiduciary for our clients. This simply means that we do not charge commissions or other fees and all of our compensation comes directly from our clients. This helps eliminate conflicts of interest and ensures that your best interest is always placed above ours.
Second, Brown Financial Advisory is a Financial Planning centered firm. A holistic financial plan is the roadmap to your financial success. It is not simply determining if you have enough for retirement, but it also helps you save on income taxes, helps you plan for illness, protects you when the unexpected arises and gives direction and purpose for your investments, among other things. Our Certified Financial Planner® practitioners provide planning as a part of all of our client engagements in order to help ensure your financial success.
Finally, Brown Financial Advisory is a financial Life Planning firm. Life Planning is the commitment to understanding each person’s most essential goals in life before constructing a financial plan. Traditionally, financial planners focus on the numbers – budgets, taxes, returns, insurance, etc. – without ever considering life’s most important questions like, “How would you describe your most fulfilling life?” or “About what are you truly passionate?” We believe it is not just important, but essential. After all, in the end, life is more than just accumulating assets.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Josh Lancaster is a NAPFA AssociateThe National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Josh Lancaster is a CFA® charterholder
The CFA Program is the most respected and recognized investment management designation in the world with less than 200,000 charterholders globally.
This advisor has earned the Chartered Financial Analyst® designation (CFA® charter) by passing all three of the CFA exams and gaining relevant industry experience, demonstrating their mastery of the investment analysis and decision-making skills most needed in the global investment management profession.
Contact Josh Lancaster
Office Locations:
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54 S Greeno Road
Fairhope, AL 36532
