800.352.5837

Justin Berry
Justin Berry, CLTC®, RICP®
Associate Partner, Financial Advisor
Areas of Focus
  • Student Loan Management
  • Financial Education
  • Disability Insurance
  • Retirement Strategies
  • Term Life Insurance
  • Investment Management


Phone: 503.423.2736
Locations:
Portland, OR »
6500 SW Macadam Avenue, Suite 375
Portland, OR 97239
Seattle, WA »
1100 Dexter Avenue N
Suite 100
Seattle, WA 98109

Fax: 503.321.7402

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Justin believes in building relationships with his clients based on financial education and blunt honesty. He specializes in helping physician families avoid financial mistakes and primarily works with young physicians because seemingly small decisions during the early stages of a career regarding topics such as student loans, disability insurance, and cash flow organization can have a large long-term effect on a physician’s financial health. Justin has built relationships with a number of hospitals in the Pacific Northwest, primarily Oregon Health & Science University (OHSU), Doernbecher Children’s Hospital, Providence Portland, Providence St. Vincent, Providence Milwaukie, Kaiser Permanente and Legacy Health in Portland, Oregon.

Justin offers a personalized financial education course that covers essential topics almost every physician will encounter during their career.  He wants his clients to have a clear understanding of the “why” behind each financial decision they make and education is the key to accomplishing this goal.  Justin’s dedication to educating physicians is shown not only by the one-on-one financial education he provides, but also by the presentations he hosts for many residency departments at OHSU, Providence St. Vincent, Providence Milwaukie, the University of Washington, and MultiCare.  Justin’s primary goal with everyone he meets is to reduce their financial stress and make sure they avoid costly financial mistakes. 

As an independent financial advisor, Justin has helped hundreds of clients address the following topics:

  • Debt management and repayment strategies including assistance with Income Based Repayment (IBR), Pay As You Earn (PAYE), Revised Pay As You Earn (REPAYE), and the Public Service Loan Forgiveness Program (PSLF)
  • Disability insurance options and assisting with company selection among the “big six companies” which consist of Principal, Ameritas (Union Central), Ohio National, Guardian Berkshire, Standard, Mass Mutual
  • Cash flow organization and automation strategies
  • Term life insurance options and assisting with company selection
  • Group benefits packages offered by physician employers
  • Retirement funding strategies (401a, 401k, 403b, 457b, Roth IRA, Traditional IRA, Solo 401k)
  • Long term care insurance options and assisting with company selection
  • Education funding for children or other loved ones (529 accounts)

The potential benefits from meeting with Justin include:

  • A debt analysis to make sure you aren’t making an expensive mistake with your repayment strategy
  • An evaluation of your insurance needs to make sure you aren’t over-insured, underinsured, or overpaying
  • Increased knowledge of how the U.S. financial system works and how it affects your life
  • A better understanding of how to reach your goals
  • Reduction of financial worry

If you would like to schedule an introductory meeting or you want know more about how Justin helps physicians improve their financial well-being, please use the Contact Form in the upper right corner. If you would like to read articles that Justin has written, please click the "Advisor Articles" link under his profile picture.

Outside of work, there is nothing Justin loves more than spending time with his wife Kathy and his daughters Sydney and Mackenzie. He also enjoys golfing with his friends, road trips, and going to comedy shows.

Justin is a Registered Representative and Investment Advisor Representative of Securian Financial Services, Inc. and CRI Securities, LLC. 2042379 / DOFU 02-2018

Justin’s Support Team


Allison PetersonName: Allison Peterson
Title: Practice Coordinator
Email: Allison.Peterson@northstarfinancial.com
Phone: 503-423-2701

Portland

6500 SW Macadam Avenue, Suite 375
Portland, OR 97239

Seattle

1100 Dexter Avenue N
Suite 100
Seattle, WA 98109

Question: Justin: Have you seen the recent articles about Public Service Loan Forgiveness? Sounds like the program is crumbling and we may need to rethink our strategy. Answer: Yes, I have seen the articles1 & 2, including the one that stated 99% of people who applied were rejected. This caused…
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I like simplicity. There is beauty in simplicity. One of the most satisfying parts about my job is helping clients find solutions to their biggest financial concerns that are incredibly easy to implement while still accomplishing what they need. There is a sense of security and confidence in being a…
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I can feel your excitement as you read the words “student loan.” Have you already stopped reading? While not the most exciting financial topic in the world, student loans are a large financial obstacle many of my clients face because of the high cost of medical school. This column is going to focus …
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During my time as an advisor, I’ve had the pleasure of meeting a lot of people. Some are well into their careers and have been practicing medicine for decades. Others are medical students still deliberating about which specialty to go into and how to rank their match list. Each interaction gave me a…
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Justin, I was given your contact info from a senior resident in my department. He said he meets with you and it’s been helpful, but I think he may be in a different financial situation than I am in. I am barely making ends meet so I’m not sure why I would meet with a financial advisor if I don’t hav…
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Those of you who I work with on a regular basis know that I spend time discussing topics outside of the logistical nuts and bolts of finance. How our financial system works and how it applies to you is important, but based on feedback I have received from clients, figuring out how a Roth 403b functi…
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I’ve had a few conversations recently that made me think about just how hard it is for many people to put at risk something “good” in hopes of making it “great”. Good is comfortable. Good feels secure. Once you reach a good situation, the path of least resistance is usually just to stay there. This …
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One of the most useful decision-making strategies I know of when helping my clients is challenging them to think about what they want their future self to be like and then encouraging them to make decisions in support of that image. It’s easy to fall into ruts. Time goes by but nothing changes or i…
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Question: “Hi Justin, I just changed jobs and I was thinking back to the conversation we had a while ago about Traditional 401k and Traditional 403b accounts. You explained the options I’d have when I switched employers, but I'm not sure I remember them accurately. Could you remind me?” Answer: Hap…
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I met with two different new clients this past month who both said almost the same exact thing to me. “I’d like to have the option to retire by 55 just in case I don’t like my job anymore, but I don’t think that is even possible.” For both of them, I made the following three points: Being “normal” …
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The start of something new (a new job, a new relationship, a new house, a new year) brings up feelings of optimism, hope, and determination. It can be seen as a fresh start, particularly regarding goals set for topics like exercise, saving money, weight loss, organization skills, or debt reduction. …
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