Justin Harvey
CFP®, ChFC®, RICP®
APM Wealth
President | Founder
Justin Harvey
CFP®, ChFC®, RICP®
APM Wealth
President | Founder
If you're a busy physician trying to build wealth and maintain sanity but not sure where to start -- let's talk! - Justin Harvey, CFP®, ChFC®, RICP®
Fee-Only financial planner located in Philadelphia, PA, serving clients locally and across the country
Justin Harvey is a Philadelphia, PA fee-only financial planner. APM Wealth provides comprehensive and objective financial planning and investment management to help anesthesiologists and pain management physicians organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Justin Harvey is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Meet Justin Harvey, President and Founder of APM Wealth.
My wife Sarah and I live in Philadelphia, PA, where she is a resident in the anesthesiology department at University of Pennsylvania. We have walked the path of establishing a financial foundation as a couple (it’s an ongoing process!), and this experience has shown me how valuable good planning can be for physicians. I’m dedicating my practice to serving individuals and families just like us.
I spent my first few years in the industry witnessing firsthand how the power of specialization can be leveraged into significant earnings potential in my work with corporate executives and entrepreneurs. The experience I gained there allowed me to see this principle in action: the methods used to earn a significant income, and the methods used to keep and grow that income and transform it over time into meaningful wealth, are two distinct strategies. Specialization can turbocharge expected earnings, but income stream and asset base diversification is a more effective way to retain and grow those earnings. At APM Wealth, I take these principles and turn them into strategies that I enact on behalf of my anesthesiologist and pain management physician clients to help them achieve their financial goals.
I’ve spent many hours learning, writing, and reading about the practice of anesthesia and pain in its various subspecialties, settings, compensation models and business formats, and I work hard to understand the implications of these practices in the lives of my clients so that I can provide unparalleled financial planning advice that is savvy to the unique dynamics of the vocation which my clients pursue.
When I’m not helping my clients, you might find me enjoying some of Philly’s finest pizza with Sarah (I recommend Santucci’s), going for a walk with our son Calvin, playing the guitar, or taking some out-of-town friends/family on a tour to see the Liberty Bell and pose on top of the “Rocky Steps”. Although I’m from Pittsburgh originally, over the last eleven-plus years I’ve grown to love the city of Philadelphia, and all of its character(s). A graduate from Villanova’s school of business, I have continued my commitment to ongoing education and development in my field. My credentials include the following:
- CFPⓇ
- ChFCⓇ
- RICPⓇ
- B.S. Finance and Business Honors, Villanova University
- Cum Laude Graduate / Presidential Scholar, Villanova University (2010)
- Adjunct Professor of Finance, Villanova University (2018-2019)
Justin Harvey is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
APM Wealth provides comprehensive financial planning for anesthesiologists and pain doctors in a transparent, no-commission business model.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Physician Finances
- Student Loan Planning
- Growing Your Income
- Tax Planning
- Comprehensive Financial Planning
- Investment Management
Ideal Clients
- Attending Physicians
- Resident Physicians
Working Together
- In-Person Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Justin Harvey is a NAPFA-Registered Financial AdvisorThe National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Justin Harvey is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Justin Harvey is a Member of the XY Planning NetworkThe XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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Justin Harvey is a Chartered Financial Consultant® (ChFC®)Chartered Financial Consultant® designations are granted upon completion of seven required courses and two elective courses. Those who earn the designation are understood to be knowledgeable in financial matters and to have the ability to provide sound advice.
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Justin Harvey is a Retirement Income Certified Professional® (RICP®)A professional designation for experienced financial advisors and investment managers who have passed coursework to become experts in retirement income planning. A Retirement Income Certified Professional® helps retirees and near-retirees develop and implement a plan for managing the financial assets they have accumulated for retirement and a set realistic budget to help meet life goals.
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Justin Harvey interviews experts in medicine, finance, practice management, and other areas to bring you important insights on his Podcast: Anesthesia Success
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Justin Harvey is a Guest on Anesthesia Wise Guys Podcast: "Finance, Retirement, and Investing"
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Justin Harvey is Quoted on Journal of Financial Planning Blog: "Are CPA's a Looming Threat?"
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Justin Harvey Contributed an Article to The Physicial Philosopher: "How Do Financial Advisors Get Paid? A Financial Planner’s Perspective"
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Justin Harvey is Quoted in Financial Advisor Magazine: "Running Leaner And Meaner With Tech"
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Justin Harvey is Quoted on Kiplinger: "Finding conflict-free financial advice"
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Justin Harvey is Quoted on The Huffington Post: "8 Financial Rules You Should Break, According To Experts"
Contact Justin Harvey
Office Locations:
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30 N 41ST ST
5th Floor
Philadelphia, PA 19104
