Joshua Houle, CFP^®AWMA^®APMA^®

September 15, 2008, marked the height of the subprime mortgage crisis with the bankruptcy of Lehman Brothers. Just one month later, my second child was born.

Welcoming a child during one of the worst economic downturns in modern history brings uncertainty for any parent. For our family, that moment carried additional weight—our son was born with Down Syndrome. In the months that followed, it became clear that financial planning was no longer just about my lifetime, but about creating long-term security for a child who would depend on it.

That realization changed everything. I committed to getting my financial house in order and deepening my understanding of financial planning—ultimately leading me to become a financial advisor in 2011.

Since then, I’ve built a thriving practice serving families and business owners across the United States, with a strong presence in the Monadnock Region. Along the way, I earned a Master’s Degree in Financial Planning, the CFP® (Certified Financial Planner™) certification, and the MPAS® (Master Planner Advanced Studies) designation—representing a high level of formal education in a field where many advisors do not hold advanced degrees in financial planning. I believe this advanced training enables me to bring a deeper, more comprehensive perspective to complex planning decisions.

It has been a privilege to help clients gain clarity and confidence in their financial lives—whether through retirement planning, proactive investment management, or integrated estate, tax, and insurance strategies. At the core of my work is a commitment to building lasting relationships grounded in trust, understanding, and personalized guidance.

I grew up in Sanford, Maine, in a sports-centered family. My father coached many of my youth teams, and that early influence helped shape my competitive drive. I went on to play professional soccer, and the discipline and work ethic required at that level continue to guide me today in serving my clients.

My wife, Heather, is our Client Relationship Manager. We have four children: Jack, Isabel, Azalea, and Skye. My family means the world to me! We live in the Monadnock region, which is absolutely beautiful with its mountains, lakes, and forests. It's a small community where everyone knows everyone—I joke that it's two degrees of separation!

Outside of work, I stay active through soccer, tennis, squash, and skiing. I also enjoy playing classical guitar and building custom furniture, having earned a technical certificate in woodworking from the College of Southern Idaho.

I’m also proud to have served—and to continue serving—many local nonprofit organizations in our community.