Justin Rice, CFP®, CSLP®
Financial Advisor
Get to Know Justin:
Why do you do what you do?
Growing up I was always into personal finance and studying how money works. I appreciated the power of compound interest and wanted to take advantage of it early on in life. I opened a Roth IRA when I was 17 with some of the money that I got from my summer job working as a lifeguard at the local swim club. I assumed that everyone else would have this desire to learn about personal finance but I discovered when I was going through my graduate program that this was not the case at all! This is when I started to look into a career where I could help people with this and found financial planning. I started taking courses for the CFP® exam and eventually made the transition to this career in 2015.
What is the best advice you have ever received?
“Be the best you can be!"
Every morning before my mom dropped me and my brother off at school, this would be our chant. Taking turns at saying every other word. My mom would start it off by saying “BE!”, we would respond, “THE!” and so on. It was a daily reminder that we would not be judged in comparison to others but instead to the best we could do. Giving your all and doing the best that you possibly can is all anyone can ask of you.
What would you be doing if you weren’t working with Integrous Wealth Strategies?
I have a passion for education and I love teaching. This is something that we do every day with our clients, helping to take the complex and make it understandable. If I weren’t working with Personal Wealth Strategies, I would be a school teacher helping to educate children in high school not only about the usual topics of math and science but also other topics like personal finance & taxes that will actually be useful in their everyday lives.
Professional Biography:
Justin Rice, CFP®, CSLP®, TPCP®, is a financial advisor with Integrous Wealth Strategies who specializes in helping physicians, professionals, retirees, and families navigate complex financial decisions. His work integrates investment management, tax planning, retirement planning, risk management, estate planning, education funding, and student loan strategy.
Justin has developed particular expertise in working with physicians and other professionals carrying significant student loan debt. Throughout his career, he has advised clients on more than $100 million of student loans and helped them secure several million dollars in federal student loan forgiveness. He was also the first financial advisor in New Jersey to earn the Certified Student Loan Professional (CSLP®) designation.
Before entering financial planning, Justin studied biomedical engineering at The Catholic University of America in Washington, D.C., and later earned his master’s degree from Rutgers University. His engineering background continues to influence his analytical and evidence-based approach to financial planning.
Justin completed his Certificate in Financial Planning through Kaplan and passed the CFP® Certification Examination in 2015. After completing the required professional experience, he earned the CERTIFIED FINANCIAL PLANNER™ certification in 2018. He earned the CSLP® designation in 2019 and completed the Certificate in Blockchain and Digital Assets® through the Digital Assets Council of Financial Professionals and the New York Institute of Finance in 2021. In 2026, Justin earned the Tax Planning Certified Professional designation, further strengthening his ability to identify and evaluate tax-planning opportunities as part of a client’s broader financial strategy.
Justin is an active leader within the financial planning profession. He served as President of the Financial Planning Association of New Jersey in 2025. He is also a frequent speaker and educator on financial planning, student loans, tax strategy, investments, and emerging financial technologies.