KWM Financial is an independent, boutique, fee-only wealth management and advisory firm serving people who want their financial plans to reflect the importance they place on health and wellness. Founded by Justin Moyer, who is also a commercial airline pilot and holds a Master’s in Finance, the firm applies disciplined planning and risk management to clients’ financial lives. KWM offers investment management, long-term wealth-building strategies, retirement planning, and comprehensive financial guidance, with options for ongoing investment management or hourly planning, strategy, and coaching.

Its wellness-aware services include cash-flow planning for health-related spending and guidance on eligible health savings account expenses. KWM also supports entrepreneurs, business owners, creators, freelancers, and other self-employed professionals facing variable income, and helps business owners establish and oversee 401(k) plans. The firm describes its advice as fiduciary and independent, with no commissions or product affiliations, and emphasizes transparent fees and personalized support.

Its approach is designed to coordinate clients’ health goals, career, spending, and long-term financial plans through changing circumstances