facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

Meet your advisor, 

Josh Null

Josh grew up at Wappapello Lake, Missouri, a Corps of Engineer's reservoir situated at the edge of the Ozark Foothills in Southeast MO. Wappapello Lake is a beautiful and rustic place bordered by the Mark Twain National Forest and the Mingo National Wildlife Refuge. When not busy with school or sports, Josh worked along side his Dad H.B. Null in the family excavation business, which involved running heavy equipment, pouring concrete, and, more often than not, having a shovel in his hands. In 1993, Josh graduated Valedictorian from Puxico High School, and enrolled at Missouri State University (Southwest Missouri State, at the time) in Springfield, MO. Josh attended college on an academic scholarship, as well as earning a Bright Flight scholarship for his ACT score. In 1998, Josh graduated Magna Cum Laude with a double major in Economics and Business Management, earning his Bachelor of Science degrees in both. After college, Josh spent a couple of years working in a corporate setting, before embarking on an entrepreneurial career that eventually led him to entering the financial services industry in 2009. 

In 2018, after many years in the financial services industry, Josh made the decision to go independent and founded Gulf Coast Financial Advisors. His mantra has always been, "There is a Better Way". The investment world has changed dramatically over the past 20 years, yet many "advisors" are still offering the same cookie cutter solutions to their clients, often with an upfront commissions that disincentives the advisor from giving the client adequate attention over the long haul. Also many advisors remain planted in the world of selling products through high pressure sales tactics. Josh believes that the best way to serve his clients is in a no-commission, transparent fee environment, with no sales quotas, and in an open and honest relationship where he and the clients are part of a team. Josh believes that a financial advisor should ultimately have one boss: the client. 

Josh is the host of the Every Dollar Counts podcast, a weekly show dedicated to those serious about their financial plan and desiring to learn more about how the financial industry works. The podcast has grown significantly in listener downloads, and is proud to be a featured show on the Advisor Hub's Podcast Network. Josh is a frequent speaker at various conferences and online events, particularly on how he has used social media, his website and a local online presence to build a brand and start an independent financial planning practice from scratch with no natural market. Josh also appears as a guest on podcasts and webinars - see our "We Made the News" page for his recent appearances. 

On a personal level, Josh married his soulmate, Jennifer Null, shortly after graduating college. They and their three children, Payton, Ashton and Josephine, live in Fairhope. Josh and Jennifer are members of Christ the King Catholic Church in Daphne, where their children also attend school. Their family is heavily involved in sports, school and church activities. Their family also greatly enjoys taking their center console out on all of the wonderful waterways of Lower Alabama and spending as much time as possible outdoors.  


Josh Null Photo Josh Null Hover Photo
Read Bio

Josh Null

President

Josh grew up at Wappapello Lake, Missouri, a Corps of Engineer's lake situated at the edge of the Ozark Foothills in Southeast MO. Wappapello is a beautiful, rural place bordered by the Mark Twain National Forest and the Mingo National Wildlife Refuge, so Josh got to enjoy a very "country" upbringing, whether going fishing with his Grandpa Null, running heavy equipment with his Dad, Harold Null, or walking a rain swollen creek with his trusty sidekick, Mama Dog. In 1993, Josh graduated Valedictorian from Puxico High School, and enrolled at Missouri State University (Southwest Missouri State, at the time) in Springfield, MO. Josh attended college on an academic scholarship, as well as earning a Bright Flight scholarship for his ACT score. In 1998, Josh graduated Magna Cum Laude with a double major in Economics and Business Management, earning his Bachelor of Science degrees in both. After college, Josh embarked on an entrepreneurial career that eventually led him to entering the financial services industry in 2009.  

Josh married his soulmate, Jennifer Null, shortly after graduating college. They and their three children, Payton, Ashton and Josephine, live in Fairhope. Josh and Jennifer are members of Christ the King Catholic Church in Daphne, where their children also attend school. Their family is heavily involved in sports, school and church activities. Their family also greatly enjoys taking their boat out on all of the wonderful waterways of Lower Alabama and spending as much time as possible outdoors.  

Will Steih Photo
Read Bio

Will Steih

Financial Advisor

Will Steih serves as both a Certified Public Accountant (CPA) and a licensed securities professional. With over 20 years of experience in the Financial Services Industry, Will is an advisor focusing on Qualified Retirement Plan Design, Implementation and Participant Education. Will also works hand in hand with high net-worth business owners and individuals to coordinate their Wealth Management and Financial Planning.

Will’s approach to these services begins with building a strong relationship with his clients by understanding their concerns, liabilities, and knowledge of retirement plans and investing in general. There are many factors to consider when determining what make a retirement plan successful. The end result is to have every participant retiring with adequate savings and education in order to enjoy their retirement.

He is a graduate of the University of Georgia and holds FINRA series 7, 24, 63, and 65 registrations as well as his Life and Health insurance licenses in multiple states.

Will is active in his church and is the Board Treasurer of Discovery Place. He enjoys sports, coaching, mentoring, and spending time with his beautiful wife and family.

JoAnn Steele Photo
Read Bio

JoAnn Steele

Office Administrator

JoAnn handles the day to day tasks of Gulf Coast Financial Advisors, including onboarding new clients and existing client servicing.