just advising
personal financial planning for environmentally and socially conscious people
locally in the Triangle Area: Raleigh, Durham, and Chapel Hill
virtually nationwide
no commissions. no minimums. no asset management.just advising.
just advising is an advice-only financial planning practice. I don't manage your money because I believe in empowering you to do that yourself. Here, you'll receive step-by-step guidance on what to do, when, why, and how.
Negative screening means avoiding investments tied to harm. The investments I recommend aim to minimize or avoid exposure to practices like oil & gas exploration, tobacco manufacturing, and nuclear weapons, and to require compliant corporate behavior under the UN Global Compact Principles.
Shareholder engagement means using an investor's voice to push companies toward better practices. Some of the investments I recommend can engage companies directly, encouraging a transition toward more sustainable policies.
Traditional banks often use our deposits to finance industries like fossil fuel extraction and weapons manufacturing, usually without us knowing where our is money going.
Green banking means choosing financial institutions that direct deposits toward positive impact instead. The banks and financial institutions I recommend aim to fund projects like sustainable agriculture, affordable housing, and renewable energy technology.
paying off student loans
saving for a house
earning equity compensation
expecting your first, or second, child
travelling with friends and family
spending without feeling guilty
enjoying different hobbies
transitioning to a more fulfilling career
you deserve personalized guidance
Compare repayment plans: income-driven repayment vs. standard vs. refinancing.
Check your real PSLF eligibility and track qualifying payments.
See what filing separately actually costs you in tax credits.
Build a payoff timeline that doesn't crowd out other goals.
Find your real affordable price range, not just what a lender approves.
See the true monthly cost once maintenance, insurance, and property tax are in.
Set a down payment plan that doesn't pause retirement contributions.
Weigh renting vs. buying against your other goals.
Check your company stock concentration risk.
Decide when to sell vested shares vs. hold.
Time sales to manage the tax hit.
See if increasing purchase contributions actually fits your plan.
Map out what to handle before and after birth.
Start a savings plan for your child's future.
Figure out how long a parent can afford to stay out of work.
Update insurance and estate documents for your growing family.
so you can travel more often, spend more confidently, partake in more hobbies, and take more leaps of faithknowing you're financially secure
learn more about who I work withJustin Horowitz, CFP®
South Florida is where my roots are, but now I call North Carolina home. The beach never quite called to me as the mountains (and seasons) do. Exploring the world is important and a lot of fun for me, whether it’s with friends, family, or solo. So far, I’ve seen Hans Zimmer in Colorado, been rock climbing in multiple states, went cliff diving in Greece with my brother, and gone camping with my girlfriend in almost the middle of nowhere.
I graduated summa cum laude from the University of South Florida with a Bachelor of Science in Personal Finance in 2021. Then, I earned my CFP® certification in 2024. During that time, I gained valuable experience working at a fee-and-advice-only financial planning firm and then a fee-only firm managing over $2.5 billion of assets.
Throughout those years, I realized my passion is simplifying the mystery behind personal finance. The system is built upon unnecessary complexity I love breaking down for people. I also learned that another passion of mine is not wearing a tie.
I believe wealth is freedom, and I don’t mean wealth in the typical sense. What I mean by “wealth” is your physical, mental, and financial well-being. When all three of those can sing in harmony, that’s where I believe freedom waits. While I’m not a doctor or a therapist, I am impassioned to help you on your financial journey.
