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Alice: Would you tell me, please, which way I ought to go from here?
The Cat: That depends a good deal on where you want to get to.
Alice: I don't much care where.
The Cat: Then it doesn't much matter which way you go.
  Alice in Wonderland by Lewis Carroll

Acquiring genuine wealth is a journey that always starts with the end in mind. After all, how can you plan a route if you don't have some idea of your destination?


We'll sit down with you and take the time to understand where you want to go. We'll ask questions - lots of them, and some uncomfortable - in order to understand what you want life to look like for you and your family, and explore the challenges, risks, and concerns involved in getting you there. Once we've gained a comprehensive understanding of your situation, we'll use a disciplined approach to design a wealth strategy that addresses your unique needs. This approach involves mapping your wants, needs, risks, and concerns to a wealth planning framework that includes:

  • Taxable personal and business brokerage accounts
  • Cash Management
  • Risk Management
  • Tax Planning
  • Retirement Planning
  • Liability Management
  • Stock Options and Restricted Stock
  • Owner-centric Benefit Planning
  • Business Succession Planning
  • Legal and Estate Documents
  • Wealth Distribution Planning
  • Charitable Gifting Strategies

This framework directs us to the actual tools we'll leverage to help you reach your goals. It minimizes the risk of gaps and duplication, but is robust and flexible in order to adapt to your changing needs.

Once we've agreed on the strategy that's right for you, Physicians' Financial will manage the process of implementing, monitoring, and regularly updating your plan as your circumstances change. We'll coordinate meetings with your legal advisor and attend them as needed, and we'll continue to work closely with them to ensure your plan remains effective, efficient, and up to date. We'll manage your insurance strategy to make sure you have the right types of insurance, in the right amounts, and for the right reasons in order to avoid coverage gaps, duplication, and overinsurance. We'll help you implement owner-centric benefit plans that integrate with your personal wealth strategy and maximize your opportunities for tax-deferred savings. As you look down the road, we'll make sure you have a retirement savings plan that gives you confidence that you'll have the income you need without fear of outliving your savings. And we'll manage your investments according to a disciplined asset allocation strategy using transparent model portfolios consisting of liquid mutual funds and exchange-traded funds.

Traditionally, the client has been responsible for all aspects of wealth planning, including coordinating the activities of financial, legal, and tax advisors. Most successful professionals recognize they simply don't have the time, expertise, or inclination to lead this activity. They understand that their time is better spent on building their business or practice.

When you work with Physicians' Financial, you'll sleep well knowing that whatever life throws at you, you have plans in place to protect yourself, your family, and your future.