Andy Loving, CFP, AIF

Certified Financial Planner™, Accredited Investment Fiduciary™

Just Money Advisors

Specialists in socially responsive financial strategies

Professional Focus and Services

The clients at Just Money Advisors tend to be people of deep commitments, people who work for peace, look for ways to create more justice in the world, make choices that minimize their negative environmental impact. They come to the financial planning process with strongly held values that they want to apply to their financial lives.

But they also hold strong commitments to their financial well-being and that of their families. They want to make the most of their incomes with good tax planning. They want to finance their children's college educations in a smart, ethical way. They want to manage their retirement wisely.

The good news is that with Just Money Advisors, it is possible to have financial well-being in line with your values and to know that both your financial concerns and life values are heard. It's possible to invest capital in people who can use it to change their lives. It's possible to leave a legacy of justice and sustainability for future generations.

As principal advisor at Just Money Advisors, Andy Loving is a CERTIFIED FINANCIAL PLANNER™ and expert in community investments. A lifelong social justice advocate, Andy delights in helping people name and meet their financial goals and move their money into places that support their values and create social change.
Community Investing
Community investing makes capital available to people and communities who typically have little access to traditional capital markets. Andy is an award-winning specialist in this high social impact area of investing. Investing in microfinance, fair trade, and affordable housing are just some of the many possibilities. Domestic or international, market or below-market return-Andy can help match your interests and investing needs to the many avenues for retaining access to your money while making it available to people who can use it to change their lives and the world.

How We Work

Most of our clients retain Just Money Advisors for ongoing, fee-only investment management and financial planning. We do not work for commissions. Our goal is to develop and maintain long-term working relationships with our clients. We are committed to knowing our clients well enough that we understand your financial goals, the motivations behind those goals, and your social and environmental concerns. We work to fashion investment portfolios designed to meet your unique needs while reflecting your personal values and social priorities.

We are compensated for the services we offer in one of two ways, depending on the type of client relationship.

  • Asset-Based Fees Our fees for investment management services are based on a percentage of assets under management and vary depending on the total value of the client's accounts. We will be happy to show you our fee schedule.
  • Hourly Planning/Consulting Fees For people with targeted questions, we are available to work on an hourly basis. Perhaps you are looking for a financial overview or retirement projection, an answer to that key question, "How am I doing financially?" Hourly work may also be appropriate if you are looking for help with planning for college funding, a review of your current investment portfolio, or other specific questions.

Community investment

Consultations include a brief overview to ensure whether community investing is appropriate in your situation, discussion of the many options available to people who want to put their money to work for maximum social impact, and guidance through the community investment process.


Just Money Advisors has clients in more than 25 states in the US. If you're comfortable working by phone and e-mail, distance is no barrier. JMA advisors also make regular trips to several regions where a number of clients reside.

Professional Affiliations

Andy is an investment advisory representative of First Affirmative Financial Network, a national network of socially responsible financial professionals. He is a member of the US SIF and Green America (formerly Co-op America).

Education and Experience

Andy became a Certified Financial Planner™ designee in 1996. He holds a masters degree in counseling, as well as a masters of divinity degree. He also earned the Accredited Investment Fiduciary® designation in 2003. This designation means that the advisor puts the client's best interests ahead of all other interests.

Community Involvement

Andy serves in an advisory capacity to the board of directors of Oikocredit USA and on the board of Faith & Money Network. He organizes on a local level to support fair trade and fair wages.


The individuals doing business as Just Money Advisors are Investment Advisor Representatives of First Affirmative Financial Network, LLC (SEC File #801-56587,

 Just Money Advisors is not a registered entity and is not an affiliate or subsidiary of First Affirmative.

First Affirmative Financial Network is an independent Registered Investment Advisor (SEC File #801-56587).

The credentials CFP® and AIF® listed above bear trademarks.