Justin Victor


HSC Wealth Advisors

Financial Planner

Justin Victor


HSC Wealth Advisors

Financial Planner

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Justin Victor, CFP®

Fee-Only financial planner located in Forest, VA, serving clients locally and across the country

Justin Victor is a Forest, VA fee-only financial planner. HSC Wealth Advisors provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Justin Victor is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Justin Victor began his career at a national broker-dealer in 2005 and joined HSC Wealth Advisors after 3 years of working in a commission and fee based financial advisory firm.  During the financial crisis of 2008, Justin began to question the brokerage model, so he was thrilled to move to an independent fee only firm where he could provide completely objective advice to clients.  In addition to holding the Series 65 Uniform Investment Adviser designation, Justin holds the CFP® certification. Justin enjoys working with our clients and is passionate about helping the next generation become financially independent.

Justin lives in Forest with his wife, Joy, and their three children Nadia, Anya, and Judah. Together they enjoy watching Phillies baseball, canoeing, fishing, and hiking throughout the Blue Ridge Mountains.


Liberty University, BS, Finance
University of Georgia – Terry College of Business (Executive Program in Financial Planning)


NAPFA Associate

Justin Victor 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.


HSC Wealth Advisors’ mission is to build long-term relationships that improve your life through astute and efficient stewardship of your financial resources. Our planning and investment counsel brings customized direction, clarity, and peace of mind to your life and legacy.


We believe God has placed us on this Earth to glorify Him in our lives. One avenue of this expression is the wise and prudent stewardship of the talents and resources with which He has blessed us.

We believe in using the highest degree of objectivity, integrity, and ethical standards while requiring professionalism and competence among our staff.

We believe in practicing as fiduciaries, always acting in our client’s best interest. We are “Fee-Only”; we sell no products and accept no commissions. We are loyal to our clients.


We strongly believe in financial education – we want you to be a better educated consumer as you go down the road of life and are faced with various financial decisions. Wise use of your financial resources is crucial to meeting your life goals and objectives. That is why HSC Wealth Advisors uses a holistic approach to address your financial situation.

Everyone’s financial life is different and decisions made in one area of your life are inter-connected with all the other areas of your life. We help you determine where you are now financially and where you want to be in the future.  We look at coordinating your financial decisions so that your goals are met in the process.

Wealth management is the marriage of comprehensive planning and the management of your money. We leave no stone unturned when it comes to tax and estate planning, insurance planning, retirement/income planning and college savings planning. Combine this with astute management of your money and goals can be realized!

We work with you to implement your plan and remain your partner through periodic reviews and checkups. We act in your best interest and do not receive commissions, bonuses or incentives.


HSC Wealth Advisors is principally concerned with how the investment of your assets fits into your lives. It is our highest concern that your investments should work for you, not the other way around. We strive to give you the ability to “sleep well at night” even during turbulent markets, as you exercise your responsibilities of stewardship of your resources.

To implement this philosophy, we maximize diversification of assets by operating in a wide variety of markets. This level of diversity is achieved using a highly expanded portfolio of mutual funds. These funds are organized into an asset allocation specifically designed to accomplish long term client goals. Most often, the breadth of diversity is such that portions of the portfolio are rising while other parts are falling. In response to major shifts of momentum of each market, we then rebalance client portfolios, selling some of what is up to buy some of what is down. In this way, you can rest assured that even during severe market corrections portfolio management actions are working in the long term best interests of accomplishing your goals. We are incrementally “buying low and selling high” in response to, not in anticipation of, market movements.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    Justin Victor is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® 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.

  • National Association of Personal Financial Advisors (NAPFA)
    Justin Victor is a NAPFA-Registered Financial Advisor

    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.

Contact Justin Victor

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Office Locations:

  • 1563 Crossings Center Dr
    Suite 100
    Forest, VA 24551

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