Empowering Your Future With Expert Federal Benefits and Life Insurance Solutions
New Jersey Life Insurance Producer License
Federal Retirement Consultant (FRC)
Certified in Long-Term Care (CLTC)
Do something today your future self will thank you for.
Book a ConsultationWe help federal employees and their families make sense of pensions, benefits, and long-term financial planning — with a personalized strategy built around your goals, not a one-size-fits-all pitch.
Guidance Built for Federal Employees and NJ Families
Future Now Services works with federal employees, retirees, and families across New Jersey and nationwide who want a clear plan for retirement, life insurance, and long-term financial security.
Whether you're weighing your FERS pension, comparing life insurance options, or planning for college costs, you get direct, personal guidance from someone who understands the details.
Based in Bloomfield, New Jersey, the practice serves clients locally and remotely, offering both in-person meetings and virtual consultations. From federal benefits reviews to estate and college planning, every conversation starts with your specific situation, not a generic pitch.
The Future is Now
Full-service financial guidance, built around federal life.
Federal Benefits
Insurance Policies
College Planning
Infinite Banking
Begin
Book a ConsultationYour Individual Wants & Needs
We provide the support you need when figuring out your pension, 401(k), and other important benefits — without the generic sales pitch.
Make Sense of Your Retirement
A well-thought-out picture is the key to a smooth transition into retirement. We build a strategy in line with your goals and financial situation.
Maximize Your Retirement Choices
We simplify the filing process and streamline the paperwork so you can focus on what matters most — we understand its complexities firsthand.
What Differentiates Us
Our clients choose us because we provide a genuine fit for their needs. Over 17 years, our team has built expertise across federal, state, and local retirement systems — support, tax efficiency, and distribution planning — while fostering lasting personal connections.
We're committed to equipping every client with the knowledge and tools to make informed financial decisions, backed by a Federal Retirement Consultant (FRC) and Certified in Long-Term Care (CLTC) designation.
Connect
We meet to get to know one another, discuss your current financial situation, and lay out your goals.
Create
After a detailed look at your financial position and goals, we build a plan to guide your financial future.
Complete
Once we agree on the plan that's best for you, we put it into action — moving you closer to your goals.
A Practice Built on One Question: What's Best for You?
Dave Harewood started Future Now Services after more than 17 years in the financial services industry, working closely with clients on retirement, insurance, and long-term planning.
The idea behind the business has stayed simple from day one: help people retire well, without confusion or second-guessing. That mission still shapes how the practice operates today.
Every plan is built around a client's actual goals and numbers, not a product someone is trying to sell. For federal employees in particular, that means real answers about benefits, pensions, and retirement timing — explained clearly, and revisited as life changes.
If You Could Completely Eliminate Your Debts Without Spending An Additional $1 A Month Would You?
This proven system is allowing people to cancel a majority of their monthly interest payments by leveraging the income they already have. What if you could pay off your home in 7-9 years? What could you do with the extra freedom that comes from being debt-free?
See if You Quality
Get My Free Debt AssessmentFederal Employee Benefits Review
We help you make sense of the benefits you've already earned.
Federal benefits are complex, and a missed detail can mean leaving money on the table. Our team reviews your complete benefits picture and translates it into a plan you can actually understand and act on.
As a Federal Retirement Consultant (FRC), we work exclusively within the systems federal employees rely on — pensions, FERS supplements, and health plan selection — so recommendations are grounded in how these benefits actually work.
Every review is complimentary and starts with a 15-minute conversation about where you are today and what you want your retirement to look like.
FEGLI Coverage Evaluation
Federal Retirement Benefits Analysis
Federal Health Benefits (FEHB) Overview
Thrift Savings Plan (TSP) Consultation
Survivor Benefits Review
Social Security Strategy
Important Disclosures
The content of this website is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as financial, tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales.
Future Now Services is not a Federal Government agency, does not represent any branch or entity of the Federal Government and is not affiliated with or endorsed by the US government or any governmental agency.
Links to third-party websites are being provided for informational purposes only. Future Now Services is not responsible for the content of any third-party website or the collection or use of information regarding any websites users and/or members.