Joshua T.H. Charles, CFP®, CHFC®, CLU®, ADPA®, CEP®, CLTC®, WMS, AIF®
Joshua T.H. Charles focuses on creating customized financial plans designed to help individuals and families make informed decisions for their financial future.
Joshua founded Financial-360, an independent practice, and provides financial services to his clients primarily in the Washington, D.C., area, but with a growing practice in several states. Joshua helps both individuals and couples keep their financial lives in order by providing them with the necessary financial tools and education needed to handle long-term decisions and avoid unexpected financial outcomes. He and his team have extensive experience in investment planning, asset preservation and estate provisions, retirement planning, property ownership and special considerations concerning sudden illness or the death of a family member.
Joshua has committed to ongoing professional education in his field, earning important credentials that help enrich his clients’ customized plans. He is a CERTIFIED FINANCIAL PLANNER™* professional, Chartered Financial Consultant® (ChFC®), Chartered Life Underwriter® (CLU®), Accredited Domestic Partnership AdvisorSM (ADPA®), Certified Estate Planner™ (CEP®), Certification for Long-Term Care® (CLTC®), Wealth Management Specialist (WMS) and Accredited Investment Fiduciary® (AIF®).
Joshua has been quoted, featured or interviewed by most of the major investment planning media – Investment Advisor magazine, CFP Board Report, SmartMoney.com, Reuters, NPR, Journal of Financial Planning, Wall Street Journal, RIABiz, RIA Central Digest and On Wall Street magazine. He is an in-demand speaker on the national level as an ambassador for the CFP® Board of Standards. He is a member of the Financial Planning Association at both the local and national levels.
Joshua is registered with Raymond James as a General Securities Registered Representative (Series 7). He also holds Series 63 (Uniform Securities Agent State Law exam), Series 65 (Uniform Investment Adviser Law Exam) registrations for Investment Advisor Representatives and is a Registered Principal (Series 24).
Born in North Carolina, Joshua grew up in Rockville, Maryland, where he attended Thomas S. Wootton High School. He earned his bachelor’s degree from Florida State University.
*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP Logo Flame Design and CFP Logo Plaque Design in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.