Comprehensive Financial Planning

We provide comprehensive financial planning for physicians, whether you're employed by a hospital, own a medical practice, or are preparing for retirement. Our approach combines financial planning, investment management, tax strategies, and risk management to help you make informed financial decisions.

Our financial planning service is intended to simplify your financial life, grow and protect your wealth, and align your financial decisions with your long-term goals. We work with you to develop, implement, and maintain a financial plan that evolves as your life changes.

Our Financial Planning Process:

1. Discovery

We begin by learning about your current financial picture and where you want to go. This includes your goals, values, challenges, and any sources of financial stress — both personal and professional.

2. Develop

With that understanding, we explore different strategies to help you reach your goals. Some paths may be clear, while others require deeper analysis and creative thinking.

3. Communicate

We present our findings and talk through the options. Together, we’ll decide on the best way forward based on what matters most to you.

4. Implement & Collaborate

Once we have a plan, we help put it into action. If needed, we also coordinate with your other professionals, such as attorneys and accountants, to ensure everything stays aligned.

5. Monitor & Review

Life changes and so should your financial plan. We stay involved to adjust for new information, major decisions, and evolving priorities. When something big comes up, we’re here as your thinking partner.

What's Included

Our comprehensive financial planning service includes ongoing advice and support in areas such as:

• Retirement and investment planning
  
• Tax planning strategies
  
• Estate planning and asset protection
  
• Insurance and risk management
  
• Employer benefits and retirement plans
  
• Student loan and debt management
  
• Cash flow and savings strategies
  
• Medical practice ownership and business planning
  
• Coordination with your attorneys, accountants, and other professionals
  

Clients also receive ongoing meetings, proactive communication, an annual benefits enrollment consultation, and access to our financial planning software.

Investment Management

Investment management is an important component of our comprehensive financial planning service. Rather than managing investments independently of your other financial decisions, we build and manage portfolios that support your overall financial plan.

Our investment philosophy follows a Core and Satellite approach to portfolio design. This structure allows us to balance long-term discipline with flexibility, customization, and opportunity.

The Core
The core of the portfolio is built using strategic, long-term investments, typically low-cost, passive funds that are broadly diversified and aligned with your overall financial plan. This buy-and-hold foundation is designed to capture market returns over time while keeping costs, and turnover low. In many cases, the core may represent the entire portfolio.

The Satellites

Around that core, we may incorporate satellite strategies, including actively managed or non-traditional investments tailored to your specific goals or needs. These satellites may serve a variety of purposes, including:

• Reducing risk through non-correlated or alternative asset classes
  
• Enhancing tax efficiency through active management and tax-loss harvesting
  
• Generating income with yield-focused strategies
  
• Pursuing growth with sector rotation or other tactical positioning

Every investment plan is customized. We determine the role of each component based on your goals, time horizon, risk tolerance, and tax situation.

How Our Fees Work

We offer two ways to pay for our comprehensive financial planning services, depending on your circumstances.

Monthly Financial Planning Fee

For clients who are still accumulating assets or prefer not to have their investments managed by M Advisor, our financial planning service starts at $250 per month. Fees vary based on the complexity of your financial situation.

Asset-Based Management Fee

For clients who engage us to manage their investment portfolios, our investment management fee starts at 1% annually. For clients with sufficient assets under management, comprehensive financial planning is included in the asset-based fee, without an additional monthly planning fee.

Our goal is to provide comprehensive financial advice regardless of your current investment portfolio or stage of life.

Medical Residents and Dental Students

During your training, we offer a limited version of our financial planning service at no cost, designed specifically for medical residents, fellows, and dental students.

You'll have access to two personalized meetings per year, where we'll provide guidance tailored to your current situation. Common topics include:

• Benefits review
• Tax planning for moonlighting income
• Student loan management
• Basic estate planning (wills, living wills, etc.)
• Budgeting, saving, debt management, and foundational investing

There’s no obligation to continue beyond training. When residency or fellowship ends, you can choose to transition into a full financial planning relationship — or discontinue services entirely.

This offering is built to give you trusted, objective advice while you're building your career with no pressure.