Josh Willard, CFA®

Career Background

Josh Willard serves as Chief Investment Officer at CFG Wealth Management, where he is responsible for overseeing the firm’s investment strategy and portfolio management approach. In this role, he focuses on developing and implementing disciplined investment strategies designed to support long-term financial success.

Josh began his career in the financial services industry in 1994, gaining experience at Smith Barney and Merrill Lynch before helping found CFG Wealth Management (formerly Coghlan Financial Group, Inc.) in 2002.

Experience & Specialization

Josh specializes in portfolio construction, asset allocation, and risk management. He works closely with clients to design investment strategies that align with their financial goals, time horizon, and tolerance for risk.

His approach emphasizes consistency, diversification, and maintaining a long-term perspective through changing market environments.

Approach & Philosophy

Josh believes that successful investing requires discipline, patience, and a well-structured plan. He focuses on helping clients stay aligned with their strategy, avoiding reactive decisions driven by short-term market movements.

By combining data-driven insights with a personalized understanding of each client’s situation, he helps clients make informed and confident investment decisions.

Investment Process

As Chief Investment Officer, Josh plays a central role in evaluating investment opportunities, managing portfolio allocations, and ensuring that client portfolios are aligned with the firm’s overall investment philosophy.

He works closely with the advisory team to integrate investment strategy with broader financial planning, helping clients maintain a cohesive and effective approach to their financial future.

He also oversees the firm’s investment models, conducts ongoing portfolio analysis, and evaluates investment opportunities across equities, fixed income, and other asset classes.

Client Experience

Josh is committed to providing clear communication and thoughtful guidance, helping clients understand their investment strategy and feel confident in their long-term plan.

His collaborative approach ensures that clients remain informed, engaged, and aligned with their financial goals over time.

Credentials & Education

Josh holds the Chartered Financial Analyst (CFA®) designation and has extensive experience in investment management and financial markets. He also holds the Series 7; FINRA General Securities Representative, Series 24; FINRA General Securities Principal, Series 63; NASAA Uniform Securities Agent State Law Examination, Series 66; NASAA Uniform Combined State Law Examination and is a licensed Insurance Agent in the state of California (CA Insurance License #0E87157).

He earned a Bachelor of Science degree in Business from San Diego State University.

Personal

Josh lives in San Diego and enjoys staying active, spending time outdoors, and pursuing interests that reflect his disciplined and balanced approach to life.