First we help you GET ON TRACK

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Student loans got you down?

Demolish your debt then start building financial security on a firm foundation

 
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Student Loan Planning

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Budgeting &
Cash Flow

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Emergency Fund

 
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Getting a late start on retirement?

$150 more buys you advanced planning and investment advice

 
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Student Loan Planning

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Budgeting &
Cash Flow

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Emergency Fund Planning

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Retirement Planning

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College Planning

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Home Purchase
Planning

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Life Insurance Planning

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Disability Insurance Planning

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Investment Guidance

 
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Want to take the guesswork out of investing?

$100 more buys you professional account management plus estate planning

 
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Student Loan Planning

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Budgeting &
Cash Flow

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Emergency Fund Planning

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Retirement Planning

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College Planning

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Home Purchase
Planning

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Life Insurance Planning

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Disability Insurance Planning

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Investment Guidance

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Estate Planning

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Investment Account Management

 

…Then we help you STAY ON TRACK

At no additional cost, you also get…

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ONLINE CHART
Get organized and see all your accounts in one place

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ANNUAL CHECKUPS
Chart your progress and know when to make adjustments

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UNLIMITED FOLLOWUPS
Text, call or email when you have questions or need help

 

Frequently Asked Questions

Does the fee include my spouse?
Yes. The fees above cover services for your family: you, your spouse and children under the age of 18 who live with you.

How do I choose the right service package?
If your primary concern is student loans, choose Stable: you can upgrade later if you like. If you want retirement or college planning AND you want us to manage your accounts, choose Secure. Otherwise, choose Serious.

What's the difference between Investment Guidance and Investment Account Management?
With Account Management, we do as much for you as we can, like filling out forms, handling account-related problems, selecting securities, placing trades and rebalancing. With Investment Guidance, we recommend exactly which mutual funds to own and you do everything else yourself.

How does Physician Family get paid?
We are a fee-only firm which means we charge a level monthly subscription fee for our services. We never accept commissions or referral fees. We are fiduciaries, so the advice you receive puts your interests first.

When will you begin charging me?
Your first interview with us is free. If you choose to join us, you will be charged a fee via ACH bank draft after your Get Organized (GO) Visit.

Are there any hidden fees?
No. While your financial institution and other service providers (your accountant or attorney) may charge you separately for their products and services, all of Physician Family's work is covered by your monthly subscription fee.

Why don’t you bill by the hour?
Advisors who bill by the hour have an incentive to waste time and, for the physicians we serve, there’s nothing more precious than time with their family and their patients. From our perspective, subscription fees give us the ability to earn a stable salary so we can feel comfortable putting our hearts and souls into the work we do.

How long is the service agreement?
As long as you want it to be! We work on a month by month, pay-as-you-go basis. While we hope to serve you for years to come, you can cancel your subscription at any time by phone or email.

How long does it take to get on track?
Usually less than a year. Financial Planning projects like Retirement Fund Planning and College Fund Planning take about two months on average. Student Loan Planning takes the longest because the data is messy and it takes forever for the lenders to finish things up, so these average about five months. Insurance planning projects also take a long time. While we can usually do the planning work in a single visit, it takes about four months to finish the project because the insurance companies are really slow. Account Management projects usually take about a month. 401k transfers and rollovers take the longest at about three months. Other account transfers take about six weeks. We can usually open an account in a week or two but the rest of the time we're waiting on financial institutions to take action. Investment Guidance is often done in a single visit since we're merely making recommendations as you manage your own accounts. The hardest part is getting the data we need so projects go faster when you give us exactly what we need as soon as we ask for it.

More questions? Schedule an interview.