Josh Bustos

Throughout his construction career, Josh observed that many business owners struggled to navigate employee benefits, retirement plans, and compliance requirements. Recognizing a need for practical guidance and strategic planning, he transitioned into financial services with a mission to help organizations build integrated retirement and benefits programs that align with their goals while supporting their employees.

Since joining Future Capital Management, Josh has worked with businesses and individuals throughout Colorado’s Front Range, helping them implement thoughtful retirement and benefits strategies. By leveraging the expertise of the Future Capital Management team, he delivers solutions designed to create long-term value for both employers and employees.

Outside of work, Josh enjoys spending time outdoors fishing, hunting big game, waterfowl, and upland birds, and attempting to improve his golf game. One of his greatest joys is sharing these experiences with his oldest daughter, teaching her the value of hobbies, adventure, and making lasting memories. Sports also play an important role in his life, whether he is watching or participating.

Josh resides in Westminster, Colorado, with his wife and two daughters. The Bustos family is actively involved in their church community, and their Christian faith remains the foundation of their lives.

What Josh Specializes In: Business Retirement Plans

Josh has developed a strong specialization in business retirement plans, an area he is both passionate about and deeply committed to serving. Whether working with SIMPLE IRAs, SEP IRAs, 401(k) plans, or other employer-sponsored retirement solutions, Josh helps businesses navigate the complexities of retirement benefits with confidence.

In addition to serving individual clients, Josh’s primary focus is working with business owners and organizations to design, implement, and manage retirement plan strategies that align with their goals. Through Future Capital Management’s Group Benefits division, he also helps employers reduce administrative burden, address compliance-related questions, and create benefit programs that better support their teams.

Who Josh Typically Works With

Josh primarily works with business owners, executives, and human resources professionals who are seeking strategic and innovative ways to enhance their organization's retirement and benefits programs. He is passionate about helping employers create comprehensive solutions that support their workforce, align with business objectives, and simplify administrative responsibilities.

While his practice is centered on serving businesses, Josh also works with a select group of individual clients, helping them develop personalized financial strategies designed to build, preserve, and transfer wealth. Through his experience, he has identified a growing need among business owners for integrated retirement and benefits planning, making this area a central focus of his practice.

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