About Justin

Justin is an independent financial planner in Oregon who believes in building relationships with his physician clients based on financial education and blunt honesty. His primary goal with everyone he meets is to reduce their financial stress and help them avoid costly mistakes.

He specializes in helping physician families and primarily works with young physicians at OHSU because decisions during the early stages of a medical career regarding topics such as student loans, when to buy a house, disability insurance, and savings automation can have a significant long-term effect on a physician’s financial health.

Justin has built relationships with several hospitals in the Pacific Northwest, including Oregon Health & Science University, Doernbecher Children’s Hospital, Providence St. Vincent, Providence Milwaukie, Kaiser Northwest Permanente, and Kaiser Washington Permanente.

Since 2011, Justin has hosted dozens of financial wellness workshops for residency departments at OHSU, and he has provided one-on-one financial education coaching for more than one thousand residents and fellows. He wants the doctors he helps to be prepared to make informed decisions and to have a clear understanding of the “why” behind each decision they make. Financial education before the end of training is crucial to accomplishing this goal.

In February 2019, Justin was selected to be the advisor responsible for the OHSU Guaranteed Standard Issue (GSI) Disability Insurance Program. This beneficial program allows OHSU residents and fellows to purchase specialty-specific, privately owned, portable disability insurance at discounted pricing without having to complete the normal risk screening and medical records review process. Justin is the only advisor approved by the insurance company to help OHSU residents and fellows acquire a GSI policy.

If you would like to schedule an introductory meeting or you want to know more about how Justin helps physicians improve their financial well-being, please email Justin.

When he is not at work, there is nothing Justin loves more than spending time with his wife and his daughters. He also enjoys golfing, basketball, road trips, going to live comedy shows, and playing cards or board games with friends.

Services

As an independent financial planner, Justin helps physician families address the following topics: 

• Debt management and repayment strategies, including assistance with Income-Driven Repayment (IDR) plans and the Public Service Loan Forgiveness Program (PSLF)
• Specialty-specific disability insurance options and assisting with company selection among the “big five companies,” which consist of Principal, Ameritas, Guardian Berkshire, Standard, and Mass Mutual
• Cash flow organization and automation strategies
• Term life insurance options and assisting with company selection
• Retirement funding strategies (401a, 401k, 403b, 457b, Roth IRA, taxable brokerage accounts, etc.)
• Education funding strategies for children or other loved ones
• Home buying vs renting decisions

The potential benefits from meeting with Justin include: 

• A debt analysis to make sure you are not making an expensive mistake with your repayment strategy
• An evaluation of your insurance needs to make sure you are not over-insured, under-insured, or overpaying
• Increased knowledge of how the U.S. financial system works and how it will affect your life
• A better understanding of how to reach your financial goals
• Reduction of financial stress