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Set a goal

Goal Setting Visits help you focus on what is important
about money to you.

  • Secure retirement for you
  • Great college for your kids
  • Nice home for your family
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Make a plan

Planning Visits help you decide how to reach your goals...

  • Understand your options
  • Know how much to save
  • See what steps to take next
 
 
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Stay on track

Annual Checkup Visits help you...

  • See your progress
  • Get up-to-date advice
  • Make adjustments when needed

Get on track

Unlimited Followup Visits in person, by phone,
text or email, you can...

  • Get answers to financial questions
  • Seek guidance during times of uncertainty
  • Take action to put your plan to work

INVESTMENT PHILOSOPHY

Your investments are more than just money. They are a store of life energy that holds the power to provide your family with financial security that can last a lifetime. That's why we recommend:

  • Low-cost, tax-efficient index funds
  • Diversified, balanced risk exposure
  • Long term, buy-and-hold approach
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PLANNING APPROACH

Time is your most precious resource and it should be spent practicing medicine, raising children or taking care of yourself and your family. That's why we encourage you to:

  • Focus on what matters
  • Avoid irrecoverable mistakes
  • Spend money on what brings lasting happiness
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Frequently Asked Questions

What if I don't know anything about personal finance?
No problem. We are happy to begin at the beginning, starting with what you understand and building from there, educating you as we move forward together.

Do physicians really need a financial planner? Can't I figure this out on my own?
If you hold the keys to personal finance success—knowledge, skills, experience time and energy to handle your own finances—it would be silly to pay a professional to do it for you. However, if you are missing even one of those keys, it makes sense for you to hire us to make the process faster, simpler and more secure for you.

How long does it take?
We are usually able to begin working with a new client in as soon as two days after you hire us. After that, the pace depends on you, your availability,and how quickly you respond to requests. We like to keep things moving but we refuse to sacrifice quality for speed.

Will you work with my accountant?
Yes, we are ready to collaborate with your accountant, attorney, insurance agent, banker and other members of your financial team. And if you don't have a financial team, we can help you build one by recommending some great people who have experience serving physicians and their families.

What if I want to manage my own investments?
No problem. Choose a service plan that does not include investment management so we can help you set a goal, make a plan and stay on track throughout the financial planning process while you handle your investments yourself or use a different advisor to manage them for you.

Is there a minimum investment?
No. We are prepared to take care of any account, regardless of size.

I have a Fidelity 401k. Can you manage that?
Yes. We manage Fidelity 401k, 403b, 457b and 401a accounts for many clients.

I own Vanguard funds. Can you help with those?
Yes, in three ways! If you already have a relationship with Vanguard, we can manage those funds via limited power of attorney. Or we can give you recommendations about which Vanguard funds to own and you can manage those accounts yourself. Or, if you want us to manage your accounts for you at TD Ameritrade, we can use Vanguard funds in the accounts you hold there.

I have heard that DFA Funds are good. Do you use DFA Funds?
Yes, we do use mutual funds offered by Dimensional Fund Advisors (DFA). These funds are only available in accounts we manage for clients at TD Ameritrade Institutional.

What about my 529 plan? And my HSA? Can you take care of them?
Yes. In fact, we can manage any account with a login. For your security though, we will not manage an account that might give us the ability to make a withdrawal. In those cases, we can help you move the account to a place where we can safely manage it for you, or give guidance about how to manage it yourself.

Where will you keep my money?
For your security, we never hold or “take custody of” your money. You are free to open an account at any financial institution. If you ask us to manage your IRA or, joint or trust accounts for you, we prefer to use TD Ameritrade because it makes our work easier (think "hospital privileges"). They offer great service at a low price so you can keep more of what you earn.

What happens to my accounts if I terminate my engagement with Physician Family?
You keep your accounts and the money that’s in them. Your accounts are always yours.