Specialized in physicians, dentists & practice owners
Founded on firsthand experience
Backed by RFG Advisory
Financial Planning
Goals, cash flow, debt, savings, protection, and taxes looked at together, then revisited as your career and family change.
Investment Management
A strategy built around your goals, risk, and tax situation, with RFG Advisory’s investment team behind it.
Tax-Aware Planning
High income with limited write-offs. We weigh the tax implications across every decision and coordinate with your CPA.
Retirement & Independence
Not just a number. Where the income comes from, how it is taxed, and how much flexibility you keep.
Practice & Business Owners
Where personal and business wealth compete for the same capital, and the practice decision is the financial decision.
Insurance & Protection
Your earning power is your largest asset. We evaluate what protects it and what is already covered.
Asset-Backed Lending
Borrowing against assets instead of selling them, weighed against the tax, liquidity, and risk tradeoffs.
Trust Services
Trust structures coordinated with your attorney, and trustee resources available where a plan calls for them.
Charitable Giving
How and when to give, including appreciated assets and donor-advised funds, with the tax treatment considered first.
Every decision touches the others
A portfolio choice changes your taxes. A practice choice changes your cash flow. We look at how the pieces connect before recommending anything.
How We Help
What to expect when you work with us.
Getting started shouldn't feel like a leap. Here's how the relationship runs, from the first conversation to an ongoing plan.
See the planning topics and conversations we revisit throughout the year.
See Our Service CalendarYour plan, open on your own screen.
Our technology puts your accounts, goals, and documents in one secure place, so the picture we're working from is the picture you can see.
We'd like to hear what's on your mind.
Start a ConversationScreenshots are illustrative and reflect hypothetical data.
What to ask, and what to know.
What should I ask a financial advisor before I hire one?
Ask how they’re paid and what else they receive, who holds your money, whether they act as a fiduciary and when, who you’ll actually work with, and what happens if you leave. We keep a one-page list of these: 10 questions to ask before hiring a planner. Use it on us and on anyone else you’re considering.
What’s the difference between a financial advisor and a financial planner?
The titles aren’t regulated, so they don’t tell you much on their own. What matters is the work: whether someone manages investments only, or also plans around taxes, cash flow, debt, insurance, retirement income, and the decisions attached to a practice or business. Ask what’s included, and ask what isn’t.
How do financial advisors get paid?
A percentage of assets managed, a flat or hourly planning fee, commissions on certain products, or some combination. None of those is automatically wrong; not being able to see it written down is. Ask for the compensation in writing, and ask what the advisor receives from anyone other than you.
What does it mean for an advisor to be a fiduciary?
A fiduciary is required to act in your best interest and disclose conflicts of interest, rather than recommending something merely suitable. Some firms are fiduciaries for advisory work but operate under a different standard for brokerage. Ask which applies to your relationship, and read Form CRS.
Do I need an advisor if I already have a CPA?
They’re different jobs. Your CPA files the return. We look ahead at how account choices, entity decisions, contribution timing, and cash flow interact, then coordinate so your CPA isn’t seeing a decision for the first time in April.
When is the right time to start working with an advisor?
Usually when a decision is sitting unmade: a contract, a buy-in, a loan strategy, a sale, an inheritance, a retirement date. You don’t need everything organized first. Bringing the one question is enough to start.
Let's talk about what's next
This starts as a conversation, not a pitch. Tell us a little about your situation and Todd will follow up personally.