How It Works

Do you like what you’ve read so far? Then we’d love to hear from you. Beginning a relationship with us is very easy: We first schedule an insight meeting - in this relaxed get-together, we converse about your goals and circumstances.

Then, assuming you find us a good fit, we move to a series of Education Meetings. We dive into your concerns about your current financial state and explore what you want to achieve. Does your current plan correspond to your desired objectives? We will study your situation and figure it out.

Now the choice is yours. Do you want to work with us? If not, you can walk away. But if so, you hire us as your trusted financial advocate. Our flat annual fee is simple—and if you hire us for certain investment management services also, we may be able to reduce or waive it.

After your current plan analysis, we enter the Triage phase together as a client. We note the aspects of your plan that are working well, but also identify specific issues needing to be resolved. We lay out a plan to fix these specific areas over the first 90 days of our working relationship. 

We focus exclusively on financial planning for healthcare professionals like you.

Our proprietary approach, The C.U.R.E., lays the four cornerstones of your financial life.

C = Complete Picture (Structure)

If a patient entered your office with a cardiac issue, you would never treat it before understanding the entire picture. The patient’s body should be working in concert. You cannot address one part of the body in isolation from the patient’s context (age, conditions, medications), their objectives (to get well, to maximize a treatment), and their other circumstances.

Regrettably, financial professionals often isolate one aspect of your life and attempt to treat it by itself. This “silo mentality” is ineffective, and it produces poor results. A keen awareness of your financial big picture is essential to the treatment of any one problem.

We are fighting back against the silo mentality. Our view encompasses present and future, personal and professional, structural and quantitative. In contrast to most models, ours encompasses even hard assets (such as real estate and business interests). Against the industry norm, we transcend numbers and emphasize lives.

What is the most important part of a jigsaw puzzle? Hmm. Maybe the corner? Or the sides? Nope. It’s the picture on the box. Because it’s absurdly hard to assemble the puzzle unless you can see the whole picture. Likewise, we believe that grasping the big picture of your financial aims is essential to proper planning.

U = Unexpected Risks (Insurance)

What you know can’t hurt you. Right? You’d likely be the first to disagree, since you’re a medical professional. All kinds of things can blindside human health. We know about some of those things (exposure, genetic predisposition, lack of care), but others we don’t.

The same uncertainly applies to finances and to life. Dips and recessions, catastrophes and illnesses, changing laws—all can put your finances in jeopardy. We’re here to place protection against hazards around you, your family, your business, and your estate.

We keep a 360˚ view in all our planning. We evaluate your existing premiums and clarify their corresponding benefits. We help you navigate the tax laws for your benefit. We create savings through structures we conceive and set up. In a phrase, we turn your risks into advantages. We know what can hurt you, and we know how to help.

R = Ratio or Recipe (Investments)

Many clients find this the most exciting element of our approach. Rather than limit your wealthcare to publicly-traded stocks and bonds, we take a global view so our clients’ portfolios embody true diversity.

You see, diversifying traditional assets (stocks, bonds, and funds) doesn’t work as well as it used to. Why? Because in our global economy, these asset classes are converging. To reach 21st-century diversification, your portfolio needs a healthy mix of non-correlated investments.

Thus, we recommend two broad classes in addition to the public markets: principal-protected investments and alternative investments. Together with the public markets, these truly comprehensive categories complete your wealthcare recipe complete during the accumulation stage. Once you reach financial freedom, the distribution stage requires a different wealthcare recipe. Tax considerations and safety are best served by converting these three categories of assets into stable sources of income to replace your earnings.

Obviously, investing involves risk, including the potential loss of principal. No strategy can assure success or completely protect against all loss. Investing in alternative investments may not be suitable for all investors. And it may involve special risks, such as risk associated with leveraging the investment, potential adverse market forces, regulatory changes, and potentially illiquidity. There is no guarantee that the investment objective will be attained.

All the more reason to find the right guide to lead you through this perilous minefield. You are that guide for your patients’ healthcare—we would love to be your guide for your wealthcare.

E = Estate (Legacy)

All is set up now. Your structures are in place. You are diversified and protected. What now? The final element of the C.U.R.E. is your legacy.

  • How do you ensure your beneficiaries receive precisely what you would like them to?
  • How do you continue to grow your wealth, even when you are no longer here?
  • How do you endow future generations with your values?

We have answered these questions for hundreds of doctors like you. Let us help you extend your life’s work far beyond your lifetime.