Justin Hoyt began his career in the investment industry in 2003 and has spent more than two decades guiding individuals, families, and business owners through complex financial decisions. Over the course of his career, including time spent at Wells Fargo and Ameriprise, he has helped oversee and advise on substantial client assets across multiple market cycles.
He believes one of the most misunderstood aspects of investing is volatility. While many focus on average annual returns, Justin emphasizes that controlling large drawdowns can have a greater long-term impact on wealth accumulation than chasing higher returns. His philosophy blends institutional-style portfolio construction with practical, real-world planning, ensuring clients can grow wealth responsibly while maintaining resilience through market cycles.
In addition to investment management, Justin focuses on:
- Retirement income design
- Business owner exit planning
- Generational wealth transfer
- Liquidity event planning
- Tax-aware asset positioning
Clients appreciate Justin’s direct communication style and relationship-first mindset. He prides himself on translating complex financial concepts into clear, understandable strategies. His commitment is simple: thoughtful planning, disciplined execution, and always placing clients’ interests at the center of every decision.
Justin chose independence after recognizing that corporate structures were increasingly pulling time and focus away from clients. By building an independent advisory practice affiliated with Osaic Wealth, he ensures decisions are made with flexibility, alignment, and long-term client outcomes in mind, not quarterly corporate targets.
Outside of the office, Justin is a dedicated father who values time with his family. He enjoys staying active, coaching and supporting youth athletics, traveling, bowling, and continually investing in personal growth. His life experience as a husband, father, and business owner informs the perspective and empathy he brings to client relationships.