Justin Owen

I started Circadia because I believe financial planning should match the pace and complexity of the lives it supports. I work with individuals and couples who are earning well but making high-stakes decisions fast — equity comp, student debt, career moves, growing families — and who want a planning partner, not a product salesperson. My planning is anchored in tax strategy and built around what actually drives outcomes: cash flow, risk management, and making sure your wealth-building doesn't quietly drift from your values. For clients who want me to manage investments too, I do that as a separate engagement — but planning always comes first. As the spouse of a medical professional, I have a personal appreciation for what it means to work in high-demand, high-responsibility roles. That perspective shapes how I serve healthcare professionals and others whose time and mental bandwidth are already spoken for. Our work together is virtual-first and designed to fit into — not disrupt — your already full life. If you're looking for someone who will take your full financial picture seriously — not just your portfolio — 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, TX, holding the ChFC® and Series 63 designations. He has 33 years of industry experience, including 29 years at OFG Financial Services and over 40 years as a self-employed professional. Massey is also involved in insurance and fixed annuity sales and participates in investment committee activities with NAIFA-Texas. OFG Financial Services provides investment advisory and planning services to individuals and corporations, managing approximately $270 million in assets across 843 client relationships through a team of 37 advisors. The firm uses fundamental analysis to build portfolios emphasizing no-load mutual funds and listed securities, managing accounts on a non-discretionary basis with documented client objectives.

Spencer Plagens is a Series 65-licensed financial advisor with 12 years of industry experience. He is currently with Plagens & Taylor Wealth Management and has been affiliated with Dreher Investment Services, Inc. since 2013, where he serves as owner and president of a non-investment-related business. Plagens & Taylor Wealth Management serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses by providing discretionary investment management and retirement-plan advisory services. The firm employs a combination of fundamental, technical, and cyclical analysis to create globally diversified portfolios primarily invested in no-load or low-load mutual funds and ETFs, with a focus on low turnover and regular client reporting.

Joseph Thieman is a financial advisor with MSH Capital Advisors LLC in San Angelo, TX, holding Series 63 and Series 66 licenses and 11 years of industry experience. His career includes roles at Thieman Investment & Retirement Services, Thieman-Stinnett Investment & Retirement Services, M. S. Howells & Co., and Momentum Independent Network Inc. Outside of advisory work, he serves on the boards of the San Angelo Chamber of Commerce, the San Angelo Performing Arts Center (as board president), and West Texas Rehab, and he manages a family ranch. MSH Capital Advisors LLC manages approximately $1.09 billion through a team of 11 advisers, serving individuals, retirement plans, trusts, foundations, small businesses, and government entities. The firm provides portfolio management, retirement plan consulting, financial planning, securities-based lending, and access to third-party managers, employing a range of investment strategies tailored to client goals and risk tolerances.