Doctors & Dentists
You Spent a Decade Learning Your Profession. Your Financial Plan Should Reflect That Complexity.
High income, late start, massive debt, and no time to figure it all out. We have seen this combination before, and we know how to build around it.
A High Income Does Not Automatically Mean a Strong Financial Plan
You finished residency or fellowship, and suddenly you are earning more than you ever imagined. But you are also carrying six figures in student debt, you started saving for retirement a decade later than your peers, and you are making financial decisions at 32 that most people made at 22 -- except the stakes are much higher.
The financial industry loves to target physicians and dentists. You will get pitched whole life insurance, private investments, and complex products that sound sophisticated but mostly benefit the person selling them. We take a different approach: evidence-based planning, plain English, and strategies that account for the specific timing and complexity of a medical career.
Whether you are an employed physician navigating a complex benefits package, a dentist deciding whether to buy into a practice, or a specialist wondering how to dig out from under student loans while simultaneously building wealth -- the work is the same. Get everything in one picture, build a plan that accounts for where you started, and sequence the decisions so nothing gets missed.
What We Hear Most
Sound Familiar?
I earn well but my net worth does not reflect it
Between student loans, a late start on retirement savings, and lifestyle creep that followed the income jump, the balance sheet does not match the paycheck. That is fixable, but it requires a plan.
I do not know what to do about my student loans
PSLF, refinancing, aggressive payoff, or invest instead? The right answer depends on your employment status, tax bracket, loan type, and career trajectory. It is not a one-size-fits-all decision.
I am not sure if I should buy into the practice
Partnership buy-ins, practice valuations, financing terms, and the question of how much of your wealth should be tied to one business. These are the same decisions business owners face, with medical-specific complexity layered on top.
I have been too busy to build a financial plan
Residency, fellowship, then the first years of practice. There was never time. Now you are earning real money and the decisions are piling up. That is exactly where we come in.
I am not sure my disability insurance is sufficient
For a surgeon or dentist, your hands are your income. Group disability through your employer is rarely enough. Own-occupation coverage matters, and the details in the policy language matter more.
How We Help
Services Built for You
You do not need a financial advisor who specializes in doctors. You need one who understands complexity, starts with your life, and builds a plan you actually understand.