Julia Lembcke, CFP®, ChFC®, CLU®, CLTC, ChSNC®
Managing Director
Julia is passionate about holistic financial planning and serves as the Lead Planner at URS Advisory, where she works closely with clients to help them achieve a wide range of financial goals. Whether it's maximizing retirement income, minimizing taxes, efficiently transferring wealth to loved ones or charities, safeguarding against rising healthcare costs, or managing wealth professionally, Julia provides personalized, strategic guidance tailored to each client’s unique situation. In addition to her planning expertise, she also contributes to the firm’s portfolio management process—ensuring that investment strategies align seamlessly with the financial plans she helps design.
With over 15 years of experience, Julia has dedicated her career to helping clients retire comfortably and with confidence. She also shares her insights through her YouTube channel, Retire With Julia™, where she breaks down complex financial topics to empower a broader audience with practical, easy-to-understand advice.
Unlike many advisors who assume they know what clients want, Julia and her team take the time to ask the right questions and, most importantly, listen. They understand how important it is to hear your story—your values, your goals, and your vision for the future. Julia believes that having a financial team who genuinely listens and respects your hard work and accomplishments can make all the difference in achieving long-term peace of mind.
Julia holds several prestigious certifications: Certified Financial Planner® (CFP®), Chartered Financial Consultant® (ChFC®), and Chartered Life Underwriter® (CLU). She is also a proud member of the Financial Planning Association (FPA). With her well-rounded expertise in wealth management, insurance, and tax-aware strategies, Julia ensures her clients receive comprehensive, thoughtful, and forward-looking advice.
Originally from Stuart, Florida, Julia grew up with her younger sister, Lily, and parents who both work in the medical field. She graduated from the University of Florida in 2009 with a Bachelor of Science and began her career in retirement planning immediately after. Outside of the office, she's passionate about spending time with her family, cooking, fitness, and traveling. Julia lives in Jupiter with her husband, Erik, and their sons, Henry and Reece, where they make the most of Florida’s sunshine and family-focused lifestyle.