Built for the complexity of practice ownership
High income, a late start, and an eventual exit - your financial plan needs to account for all three.
Physicians face a financial profile that most advisors never encounter: a decade of training that delays wealth accumulation, income that arrives in large and variable increments, a practice that is simultaneously a business and a retirement asset, and a profession with above-average liability exposure. We understand the interplay between all of it.
A late start that compounds over time
Medical training delays serious savings until the mid-30s. Without a structured catch-up plan, the lost compounding is difficult to recover - but the right plan structure changes the math dramatically.
Practice ownership adds complexity most advisors can't handle
Entity structure, compensation strategy, practice valuation, and eventual sale or PE rollup all require planning expertise that goes beyond portfolio management.
Liability exposure that demands asset protection
Physicians face above-average litigation risk. Asset protection requires coordinated insurance, entity structure, retirement plan funding, and titling - and works best when implemented before a claim arises.
Retirement Catch-Up Planning
Physicians who start saving in earnest at 35 still have 25–30 years of compounding available - but they need to maximize every dollar. We structure retirement plans to capture the highest possible contribution limits: 401(k) profit sharing ($69,000), defined benefit / cash balance plans (up to $275,000/year for high earners), and SEP-IRA. The combination can shelter $200,000+ annually in a well-structured practice.
Compensation Structure Optimization
How a physician takes income - W-2 salary, S-corp distributions, partnership draws - has a significant impact on self-employment taxes and the Section 199A deduction. We model the optimal structure annually, coordinating with your accountant to ensure the entity and compensation design are working together.
Practice Sale & PE Rollup Planning
A practice sale is often the largest single financial event of a physician's life - and the structure of the deal determines how much of the proceeds you keep. Asset sales and stock sales are taxed differently; PE rollups introduce equity rollover and earnout structures that require careful modeling. We help physicians understand their options before they engage a buyer.
Liability & Asset Protection
We coordinate a layered protection strategy: appropriate malpractice and umbrella insurance, maximally funded retirement accounts (which receive creditor protection in most states), entity structure that separates practice liability from personal assets, and - where appropriate - domestic asset protection trusts. Protection planning works best when implemented well in advance of any claim.
Estate & Legacy Planning
High-income physicians accumulate estate tax exposure faster than most. We work alongside estate attorneys on trust structures, beneficiary designations, life insurance analysis, and charitable planning - ensuring that what you build transfers efficiently to the next generation.
Financial picture review
We map your full financial picture - income structure, practice entity, retirement accounts, insurance, and estate plan - to identify the highest-priority gaps.
Retirement plan design
We model the contribution limits available under different plan structures and recommend the combination that maximizes your annual tax-deferred savings.
Compensation & entity optimization
We review your S-corp or practice entity structure and annual compensation split, coordinating with your CPA to reduce SE tax and maximize the 199A deduction.
Practice transition planning
For physicians approaching a sale or PE transaction, we build a pre-event model and coordinate with M&A counsel on deal structure to maximize after-tax proceeds.
Ongoing wealth management
We manage the full wealth picture on an ongoing basis - investment management, annual tax planning, protection review, and estate plan maintenance.
Physician Retirement Catch-Up Planner
Model your projected retirement balance based on your age, current savings, plan structure, and income - and see how different contribution strategies close the gap.
Your income is exceptional. Your plan should be too.
Most physicians we meet are underserved by generalist advisors who have never dealt with a practice sale, a cash balance plan, or PE rollup equity. A discovery call is 30 minutes and costs nothing.