For Established Physicians

You've built the career.
Now build the legacy.

Complex assets. Peak earning. Practice equity. The questions you're asking now require more than a portfolio and a plan.

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The complexity

Layers most advisors never see

Multi-entity income, practice equity, real estate, malpractice exposure, multi-state licensing, an estate plan that no longer fits. Your financial life has layers most advisors never account for.

The work is no longer about getting started. It's about optimizing what you've built, protecting it, and making the next chapter as intentional as the career that created it.

What we help with

Optimizing what you've already built

At peak income and peak complexity, the work shifts from accumulation to architecture.

Tax-efficient portfolio management

Asset location, loss harvesting, and gain management across pre-tax, Roth, and taxable, so more of a complex portfolio's return stays yours.

Estate & legacy planning

Irrevocable trusts, wealth transfer, and asset protection built around the malpractice exposure and multi-state licensing physicians carry.

Practice equity & exit planning

Valuation, succession, and sale structuring on a multi-year runway, so you leave on the best possible terms.

Retirement projection

Detailed modeling across retirement ages, accounting for practice income, real estate, Social Security timing, and pre-Medicare healthcare.

Charitable giving strategy

Donor-advised funds, charitable remainder trusts, and foundations, structured for both impact and tax efficiency.

A couple looking out over the water at golden hour

Common questions

Established physicians, answered

How do you minimize tax at peak earning?

We work across every income source and entity at once, W-2 salary, 1099 work, K-1 practice distributions, real estate, using entity structuring, income splitting, charitable vehicles, and state-tax strategy. The goal is your effective rate across the whole picture, not a single return in isolation.

My estate plan is a decade old. Does it need to change?

Almost certainly. Asset levels, liability exposure, family structure, and tax law all shift over a decade. We review your existing documents and recommend changes only where they meaningfully improve protection or transfer.

When should I start planning my practice exit?

Earlier than most physicians think. Valuation, succession, sale structuring, and partnership-transition timelines all benefit from a multi-year runway. The worst time to plan your exit is the year you want to leave, when your options are narrowest.

Can you tell me whether I can retire at 55?

We build detailed projections across multiple retirement ages, each with clear trade-offs, accounting for practice income, portfolios, real estate, Social Security timing, and healthcare costs before Medicare. You'll see what each scenario costs you, not just a single number.

A second opinion

Already have an advisor?

We'll review your current plan and tell you what we'd do differently, no obligation, no pressure to switch. Physicians get second opinions on a diagnosis; your financial plan deserves the same rigor.

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