# Justin Owens

> Justin Owens is a fee-only financial advisor at Horizon Advisors LLC in Rome, Georgia, who holds the CFP, CGMA and CKA credentials. Justin focuses on retirement planning, tax planning and estate & legacy planning. Horizon Advisors LLC reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/justin-owens/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Horizon Advisors LLC
- **Based in:** Rome, Georgia
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $8.3M across 72 accounts
- **Credentials:** CFP, CGMA, CKA, CPA/PFS, CPA, PFS
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **CRD:** 5214058 (https://adviserinfo.sec.gov/individual/summary/5214058)
- **SEC registration:** Investment adviser representative in GA
- **Exams passed:** Series 66 (2009)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://horizonromeadv.com

## Frequently asked questions

### Is Justin Owens a fee-only financial advisor?

Yes. Justin Owens is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Justin's firm.

### How does Justin charge for financial advice?

Justin's firm, Horizon Advisors LLC, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Justin Owens based?

Justin Owens is based in Rome, Georgia.

### What does Justin specialize in?

Justin's specialties include retirement planning, tax planning and estate & legacy planning.

### What credentials does Justin Owens hold?

Justin Owens holds the CFP, CGMA, CKA, CPA/PFS, CPA and PFS credentials.

### Is Justin Owens registered with the SEC?

Yes. Justin Owens is registered as an investment adviser representative in GA (CRD 5214058), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Horizon Advisors LLC manage?

Horizon Advisors LLC reports $8.3M across 72 accounts in assets under management.

### How do I contact Justin Owens?

Through Justin's website, horizonromeadv.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/45531): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.horizonromeadv.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.