Helping Families Build Wealth, Protect Their Future, and Unlock Their God-Given Potential
James Ustby — Financial Advisor, APMA®, CFP® candidate, Ironman triathlete, entrepreneur, and coach dedicated to helping you protect wealth, grow income, and achieve the extraordinary life you were created for.
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A Mission-Driven Approach to Financial Success
Purpose
My mission is to help millions of people protect, grow, and multiply their wealth while unlocking their God-given potential to earn income from their passions.
Promise
I believe financial freedom isn't just about money—it's about creating the foundation that allows your family to thrive for generations.
Principle
By combining sound financial strategies with biblical stewardship principles, we can build legacies that impact the world long after we're gone.
Too many families struggle with financial stress that could be avoided with proper planning and guidance. My work isn't just about portfolios and products—it's about partnering with you to create security, opportunity, and the freedom to live out your calling with confidence.
My Story
I realized from a young age how profoundly money impacts families. When financial challenges arise, they touch every aspect of life—relationships, health, and even our ability to fulfill our purpose.
Frustrated that school never taught practical wealth-building, I dedicated myself to mastering finance. What I discovered was alarming: most divorces and family stress are rooted in money issues. This revelation became my calling.
I don't want you to live a "normal" life—I want you to live an extraordinary one, with both financial freedom and purpose-driven income that aligns with your unique gifts.
My service on my church finance council, upcoming marriage, dream of raising a large family, and Ironman triathlon discipline aren't separate from my work—they're proof of my commitment to perseverance, vision, and building something that lasts.
Comprehensive Financial Services
Your financial journey deserves personalized guidance that aligns with your values and goals. My approach integrates protection, growth, and legacy planning to create complete financial confidence.
Retirement Planning
  • 401(k) rollovers that maximize your hard-earned savings
  • Roth & Traditional IRA strategies for tax-efficient growth
  • Custom retirement income plans that won't run dry
Wealth Preservation
  • Fixed & Fixed Indexed Annuities for secure income
  • Strategic life insurance solutions that build wealth
  • Private equity and real estate investment opportunities
Legacy Planning
  • College savings through optimized 529 plans
  • Estate planning strategies that protect your heirs
  • Charitable giving approaches that maximize impact
Business Coaching
  • Turn your expertise into scalable, passive income
  • Systems to grow from side hustle to sustainable business
  • Strategies to create financial independence through entrepreneurship
Values That Guide Our Work Together
Loyalty & Trust
Your financial future is sacred. My commitment is to provide guidance that puts your interests first, always. This fiduciary mindset means recommendations based on what's best for you, not what's profitable for me.
Faith & Family
As a person of faith serving on my church's finance council, I believe we're called to be wise stewards of our resources. Financial decisions should strengthen families and create opportunities to bless others.
Extraordinary Thinking
Average planning creates average results. Together, we'll break free from limited thinking and build strategies that create exceptional outcomes—for your retirement, your business, and your legacy.
"For I know the plans I have for you," declares the LORD, "plans to prosper you and not to harm you, plans to give you hope and a future." — Jeremiah 29:11
Real Stories, Real Results
The Johnson Family
Mike and Sarah came to me worried about their children's financial future. Together, we implemented a comprehensive strategy including custodial brokerage accounts, Roth IRAs funded through summer jobs, and 529 college savings plans.
Their children are now positioned to graduate debt-free and begin adulthood with investment accounts already growing—potentially worth millions by retirement age.
Jake Mercer
Jake had valuable knowledge about real estate but wasn't sure how to monetize it. Through my business coaching program, he created a structured course teaching his methods to others.
What started as a $20,000 side income has grown to over $60,000 annually—all while helping others build wealth through proven real estate strategies Jake developed.
The Williamses
After decades of hard work, Robert and Patricia wanted retirement income they couldn't outlive. We restructured their portfolio to include fixed indexed annuities that provide guaranteed income while protecting against market downturns.
They now enjoy retirement with confidence, knowing essential expenses are covered by secure income streams regardless of market fluctuations.

Names and specific details have been changed to protect privacy, but these cases represent actual client outcomes. Individual results will vary based on specific circumstances, market conditions, and implementation.
Work With James
Your Journey to Financial Confidence Starts Here
The path to extraordinary financial results begins with a simple conversation. During your complimentary consultation, we'll discuss:
  • Your current financial situation and challenges
  • Your goals for retirement, family, and legacy
  • Potential strategies to bridge the gap
  • Next steps for implementation if we're a good fit
After booking, subscribe to receive exclusive financial insights
Weekly Newsletter
Practical financial strategies, biblical money principles, and opportunities you won't hear about elsewhere.
LinkedIn
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Instagram
Quick financial tips, behind-the-scenes glimpses of triathlon training, and family-centered values in action.
TikTok
Short-form financial advice, motivational content, and a glimpse into daily life.
YouTube
In-depth discussions, financial tutorials, and client success stories.
Financial Wisdom & Resources
Building wealth isn't just about what you know—it's about consistently applying proven principles. Explore these resources to deepen your financial understanding and take action toward your goals.
Free Resources
  • Wealth Audit Checklist - Identify blindspots in your current financial strategy
  • Retirement Calculator - Determine if your savings are on track
  • Legacy Planning Guide - Ensure your wealth transfers according to your wishes
  • Passive Income Starter Kit - Begin building income streams beyond your job
Subscribe to unlock these resources plus regular updates on market opportunities, tax strategies, and wealth-building insights delivered directly to your inbox.
Featured Video
Why Most Retirement Plans Fail (And How to Make Sure Yours Doesn't)
Latest Article
Using Cash Value Life Insurance to Create Tax-Free Retirement Income
Upcoming Webinar
Market Volatility: Protecting Your Nest Egg Without Sacrificing Growth
Credentials & Trust
Professional Qualifications
  • Accredited Portfolio Management Advisor (APMA®)
  • CERTIFIED FINANCIAL PLANNER™ (CFP®) candidate
  • Series 7 & 66 licensed
  • Licensed Life Insurance Agent
As a financial professional with Thorough Financial Group and affiliated with LPL Financial, I combine the resources of established institutions with the personalized service of a dedicated advisor.
Beyond Credentials
Trust is earned through more than letters after a name. My commitment to excellence extends beyond finance:
  • Church Finance Council Member
  • Ironman Triathlete (demonstrating discipline and long-term commitment)
  • Continuous education in advanced planning strategies
  • Living the principles I teach through personal financial practices
"James brought clarity to our financial situation when everything felt overwhelming. His ability to explain complex concepts simply, combined with his genuine care for our family's future, made all the difference." — Michael R., Client since 2019
Beyond the Advisor: Meet James
While financial advising is my profession, it's just one dimension of who I am. My commitment to excellence shows up in every area of life:
Ironman Journey
Training for and completing Ironman triathlons has taught me invaluable lessons about perseverance, strategy, and the power of incremental progress—principles I bring to every client relationship.
Family Vision
As I prepare for marriage and dream of raising a family, I'm reminded daily why building generational wealth matters. These aren't abstract concepts—they're the foundation of the legacy I'm creating in my own life.
Personal Pursuits
When I'm not advising clients or training, you'll find me on the golf course, exploring new travel destinations, or developing entrepreneurial ventures that create value for others.
My ultimate vision is to help millions build financial freedom while discovering their God-given purpose. I'd be honored to help you write the next chapter of your financial story.