Join us on The DMV Business Show with Otto Sevilla as we feature Josh Goulding, CFA, CFP, and Co-Founder of 4J Wealth Management shares the story behind the firm’s unique name—originating from its four founders, all with names starting with “J”—and dives into their client-first, comprehensive approach to wealth management. Rather than focusing just on investments, 4J builds holistic financial plans that cover everything from cash flow and taxes to estate planning.
Josh recounts his personal and professional journey, from growing up in Bethesda, Maryland, to his early curiosity about finance (sparked by a conversation with his father about Microsoft stock), and his academic path through Georgetown University, first as a pre-med major before realizing his passion for financial planning rooted in human psychology. He discusses the tough early years in the business—barely making ends meet and learning the importance of always putting relationships first, even when sales didn’t pan out.
A major turning point came when Josh and his partners adopted an educational, team-based client approach, hosting in-depth retirement classes in the community. This strategy not only helped them build their practice, but also allowed them to attract clients serious about long-term planning. The importance of trust and providing peace of mind stands out as a driving force in his work.
Josh also reflects on major transitions, including founding 4J Wealth Management to maximize independence and client trust, and weathering the difficult loss of one of the original partners, Jamie, who remained a vital part of their firm’s legacy.
Looking to the future, Josh is passionate about building a lasting firm that supports both clients and the next generation of advisors. He speaks candidly about the challenges of running a business, especially compliance and managing new advisors, but embraces it as part of his mission. For those considering a career in wealth management, Josh encourages finding a team-based culture focused on mentorship rather than the outdated cold-calling grind.
Throughout, Josh offers practical advice for both aspiring advisors and potential clients—emphasizing transparency, fee-only advisory models, and the power of long-term relationships. He shares some of his own routines, like daily meditation, for staying centered through the inevitable ups and downs of both the markets and running a business.
When he’s not working, Josh enjoys spending time with his family and playing tennis. He’s deeply motivated by helping clients achieve lasting security for generations to come and is excited about a future where 4J Wealth continues to be a trusted partner for families in the DMV area and beyond.
This episode is brought to you by: SEVI - The first commercial real estate company committed to the four C’s: Commercial Real Estate, Community, Content, and Culture
https://seviproperties.com/
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