Justin Berry
Justin Berry, CFP®, CSLP®, RICP®
Partner, Financial Planner
Areas of Focus
  • Student Loan Management
  • Financial Education
  • Disability Insurance
  • Retirement Strategies
  • Term Life Insurance
  • Investment Management

Phone: 503.423.2736
Portland, OR »
6500 South Macadam Ave., Suite 375
Portland, OR 97239

Fax: 503.321.7402
Website: http://www.planningwithjustin.com/


Justin has his own website located at planningwithjustin.com. Please visit it to see additional information about who he helps and the guidance he provides.

Justin is an independent financial planner who believes in building relationships with his 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 because decisions during the early stages of a medical career regarding topics such as student loans, 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 such as Oregon Health & Science University (OHSU), Doernbecher Children's Hospital, Providence Portland, Providence St. Vincent, Providence Milwaukie, Kaiser Northwest Permanente, Kaiser Washington Permanente, and Legacy Health.

In addition to the comprehensive planning Justin offers for physician families who are finished with their training, he also provides a personalized financial education course for residents and fellows that covers essential topics most physicians will encounter during their career. 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 residency or fellowship is crucial to accomplishing this goal. His dedication to educating physicians is shown not only by the one-on-one financial education course he has taken hundreds of physicians in training through, but also by the financial wellness discussions he hosts for residency departments at OHSU, Providence St. Vincent, Providence Milwaukie, the University of Washington, and MultiCare.

In February of 2019 Justin was also selected to be the advisor in charge of the OHSU Guaranteed Standard Issue (GSI) Disability Insurance Program. This beneficial new GSI program allows OHSU residents and fellows to purchase specialty specific, privately owned disability insurance at discounted gender neutral pricing without having to complete a full risk screening and medical records review.

As an independent financial planner, Justin has helped hundreds of physician families 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)
  • Specialty specific, own occupation 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, and 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)
  • Education funding strategies for children or other loved ones

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, 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

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 email Justin.

If you would like to read articles that Justin has written, please click the Advisor Articles link under his profile picture.

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

North Star, CRI Securities and Securian Financial Group are not affliated with any of the universities or other organizations listed. Justin is a registered representative and investment advisor representative of CRI Securities, LLC and Securian Financial, Inc. 2504894/DOFU 4-2019

Justin’s Support Team

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


6500 South Macadam Ave., Suite 375
Portland, OR 97239

Question Hi Justin – I am a resident at OHSU and got your name from a handful of colleagues who told me you helped them evaluate their disability insurance options. However, one of my attendings stressed the importance of getting a policy that doesn’t charge me more simply for being a female. Do yo…
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I am going to begin this article by stating that I am not anti-home ownership. There are many positives of homeownership when the right house is purchased at the right stage of your life. While I am not anti-home ownership, I am very against how much pressure, and in some situations shame, is direct…
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A New Program at OHSU For many people I talk to, risk management is one of the more boring topics of personal finance, but it is also one of the most important. Planning for all the things that can go right in your life is a luxury you have only after you have protected against the catastrophic thi…
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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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