Justin Michael Owen

Thomas Seabourne is a CFP® professional based in San Angelo, TX, with 11 years of industry experience. He has worked at First Financial Trust for 10 years before joining Beta Financial Advisors, LLC in 2026. Beta Financial Advisors, LLC provides investment management and ongoing financial planning services to individuals and high-net-worth clients using a fee-only structure. The firm employs a primarily passive investment approach grounded in asset allocation and Modern Portfolio Theory, offering both standalone financial planning and integrated portfolio management.

I started Circadia to focus my time on clients who understand the point isn't the amount of wealth; it's being intentional and aligning that wealth with their priorities and values to create the life they want. Most people come to me with a question, like how to lower their taxes, whether a Roth conversion makes sense, what to do with their stock options, or when to start Social Security. We start there, and then I help you find the questions you haven't asked yet. My planning is grounded in tax strategy and covers cash flow, investments, insurance, and your estate, so each decision fits the rest of your plan and what matters to you. I also manage investments, usually alongside an ongoing financial plan. My wife is a Nurse Practitioner, so the demands of a medical career are part of our life at home, too. Medical professionals are a particular focus, along with families and professionals at every stage of their careers. We work together virtually, on a schedule that fits your life. If that sounds like the kind of help you're looking for, let's talk.

Levi Calhoun is a financial advisor with Outlier Financial Partners, LLC, holding a Series 65 credential and two years of industry experience. He has worked at Geneva Financial, LLC since 2020 and previously held roles at LeaderOne Financial and Gateway Mortgage Group, LLC. He also works as a mortgage loan originator for Geneva Financial. Outlier Financial Partners, LLC provides discretionary wealth management and financial planning services to individuals, families, and businesses. The firm emphasizes active management with fundamental analysis, diversification, and rebalancing, and offers a subscription-based financial planning service alongside portfolio management.

Nathan Granzin is a financial advisor at Outlier Financial Partners, LLC in San Angelo, TX, with one year of industry experience. He holds the Series 65 designation and has worked as an automotive technician at Jim Bass Ford since 2012. Outlier Financial Partners serves individuals, families, and businesses by providing discretionary wealth management and financial planning, using an active management approach focused on fundamental analysis and diversification.

Douglas Massey is a financial advisor with OFG Financial Services, Inc. in San Angelo, Texas, holding the ChFC® and Series 63 designations and bringing 34 years of industry experience. He has been with OFG Financial Services since 1997 and has worked as a self-employed advisor since 1985. Massey is also involved in insurance and fixed annuity sales through his own business and serves on investment committees for NAIFA chapters without compensation. OFG Financial Services is a multi-advisor SEC-registered investment adviser serving individual and corporate clients with approximately $271 million in assets and 850 client relationships. The firm offers portfolio management, written financial planning, and consulting while employing fundamental analysis to build portfolios that often emphasize no-load mutual funds, managing accounts on a non-discretionary basis and facilitating client-directed brokerage.

Spencer Plagens is a financial advisor at Plagens & Taylor Wealth Management with 13 years of industry experience. He holds a Series 65 designation and previously worked at Dreher Investment Services, Inc. for 12 years, where he was also the owner and president until the company ceased advisory activities in 2025. Plagens & Taylor Wealth Management provides discretionary investment management and retirement-plan advisory services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and small businesses. The firm uses customized allocation models with no-load or low-load mutual funds and ETFs, emphasizing global diversification and conservative fixed-income strategies.