Wealth Management Built for the Way You Actually Live
I'm Justin Moyer, founder of KWM Financial — a boutique, fee-only advisory firm. You take your health seriously. Your money deserves the same attention — from someone who understands both.
I'm also an airline pilot. Systems thinking, risk management, and disciplined optimization aren't just how I fly — they're how I approach your wealth.
You Shouldn't Have to Explain Your Health Stack.
I Understand Wellness Spending
- No explaining why you spend $400/month on supplements or $6K/year on functional medicine
- I understand concierge care, advanced health protocols, wellness technology, and why it matters to you
- Financial strategies that treat health optimization as a priority, not a line item to cut
Independent Advice
- No commissions, no product sales, no affiliations with any health or financial product company
- I work for you — your goals, your values, your timeline
- Transparent, straightforward fees — no hidden costs
Flexible Partnership Options
- Fee-only investment management for people serious about building long-term wealth
- Hourly engagements for planning, strategy, and coaching
- Guidance that evolves as your health goals and wealth grow together
How I Help
Investment Management & Wealth Building
- Professional investment management with ongoing rebalancing
- Portfolios designed for long-term accumulation — including health and wellness sector exposure if it fits your thesis
- Custom strategies based on your risk tolerance and time horizon
- Building wealth that lasts as long as you plan to
Wellness-Aware Cash Flow Strategy
- Budgeting that accounts for your real health optimization spending — not just the basics
- HSA optimization for functional medicine, concierge care, and eligible wellness expenses
- Balancing current health investment with long-term wealth accumulation
- Planning for the wellness premium — the $15K-$40K/year most clients don't see in standard cash-flow models
Comprehensive Wealth Strategy
- Retirement planning that accounts for a longer, healthier life — because that changes the math
- Coordinated strategy across all your accounts, income sources, and health spending
- Income strategy for entrepreneurs, business owners, and those with variable cash flow
- Long-term goal setting that aligns your healthspan and your wealthspan
Retirement Plans for Business Owners
- Help establish 401(k) plans when your business or practice grows
- Liaison between you and plan custodian
- Ongoing plan advisory and oversight
- Employee education on retirement benefits
About Justin
I'm not your typical investment advisor. I specialize in working with people who take their health seriously — and want a financial plan that reflects that commitment.
With a Masters in Finance and a personal practice rooted in health tracking, disciplined routines, and evidence-based optimization, I understand the financial complexity that comes with living intentionally. Your wellness spending isn't a budget problem — it's a planning category.
I'm also a commercial airline pilot. Systems thinking, risk management, and long-horizon planning aren't buzzwords for me — they're daily practice. I bring that same discipline to your financial life.
KWM is an independent, boutique advisory firm. No commissions, no product affiliations, no institutional pressure. Just personalized guidance that adapts as your health goals, your career, and your wealth evolve together.
Your Path to Lasting Wealth
Discovery Meeting
30-minute intro call to learn about you and your goals. No pressure, just a conversation to see if we're a good fit.
Crafting Your Strategy
We take time to understand your situation and build a plan tailored to your needs — whether that's focused investment management, hourly coaching, or a more comprehensive strategy.
Ongoing Partnership
We put your strategy into action, then stay connected as your life and business evolve — regular check-ins, adjustments when needed, and always available when questions come up.
Who KWM Serves
People who invest intentionally in their health and want a financial plan that reflects it
People whose current advisor treats wellness spending as something to cut, not plan around
Professionals and entrepreneurs planning for a longer, healthier life — and the wealth to fund it
Anyone who wants an advisor who understands why you spend what you spend on your health
People ready to bring the same intentionality to their wealth that they bring to everything else
Entrepreneurs and self-employed professionals navigating complex or variable income
Content Creator or Self-Employed?
KWM also works with creators, freelancers, and gig workers navigating irregular income, multiple revenue streams, and building wealth without a traditional paycheck. Same independent, fee-only approach — tailored to your world.
Ready to Align Your Wealth with the Way You Live?
Schedule a 30-minute Discovery Meeting. No obligation, no pressure — just a conversation about your goals and whether KWM is the right fit for how you think about health, wealth, and the long game.
Schedule a Discovery Call