Readers- On this page I list some recommended advisory firms on which I have done some preliminary vetting. Prior to November 2015, this vetting was a review of their website, their ADV2, and a few emailed questions to clarify how they did business. Beginning in November 2015, I require an application (see bottom of the page) that you can review to help you decide who to hire. The application also helps me to standardize the approval process.

You should be aware that although there are many good advisors and good firms, I have yet to find a perfect advisor and deciding who can and cannot be listed here is one of the most difficult things I do on this website. I have turned down a number of advisors that I consider well above average. You should also be aware that all of the businesses listed on this page are paid advertisers on this site. That means that they not only have to pass my vetting process, but they also have to pay to be listed here. I charge a fee for two reasons- # 1 The vetting process takes time and energy and only about 1 out of 4 that I go through the trouble to vet actually ends up listed here and # 2, this page of the site, like the entire rest of the site, is a for-profit business. If you want to start a website where you vet and list recommended financial advisors for free, be my guest.

Remember that financial planning and investment management is expensive stuff and you should expect to pay thousands per year for it, although many of the advisors on this page are some of the cheapest options out there. If they still seem too expensive for you, consider a roboadvisor or learning enough to become your own financial planner or investment manager. As Rick Ferri has said:

You can create and self-manage an all index fund portfolio that has fees as low as 0.1%. It’s going to cost more money if you want advice and management. A decent adviser will spend hours talking with you one-on-one to find the right asset allocation for your needs, then implement and manage that portfolio by taking full legal responsibility as a fiduciary, and then be available to answer all your questions and concerns whenever you call. This personal service takes a lot of time and you have to pay for that time. At least the price for advice and management has come way down ~ for some advisers.

How to Choose From This List

Some readers have asked me what is the best way to choose an advisor from this list. Rest assured that there are no bad choices here. All of the advisors listed here give good advice at a fair price. However, financial planning and investment management is a lot “squishier” than a more simple one-time transaction such as purchasing an insurance policy, refinancing your student loans, getting a mortgage, or having a contract reviewed. Although some of the advisors here will do a one-time second opinion or cover some limited questions for a one time fee or at an hourly rate, most are far more interested in a long-term relationship helping you to reach your financial goals. As such, a good fit between you and the advisor is essential. I recommend you read through the paragraphs below and pick a handful that seem to be offering what you are looking for. Spend a few minutes on each of their websites and read through their linked application if available. If what you are reading sounds good to you, shoot them an email or call them up and schedule a time to meet with them in person or virtually (as all the advisors on this page will take any client in any state.) If you have a particularly good or bad experience, I would love to hear and incorporate your feedback on to this page.

Integrity Wealth Solutions

Integrity Wealth Solutions Financial Advisor Application

Financial Planning
Investment Management
Insurance Analysis
Integrated Tax Planning
Defined Contribution and Defined Benefit Plans
College Education Funding

Fee structure:
Integrity Wealth Solutions charges investment clients a flat quarterly fee in advance as detailed below:
Assets Managed                         Annualized Fee               Quarterly Fee
$500,001-1,000,000                      $5000                                 $1250
$1,000,001-5,000,000                   $7,500                                $1875
$3,000,001-6,000,000                   $10,000                              $2,500
$6,000,001-10,000,000                 $15,000                              $3,750
$10,000,001-15,000,000               $25,000                              $6,250
$15,000,001-25,000,000               $40,000                             $10,000
$25,000,001 and above                Negotiable                          Negotiable
We will accept asset management relationships under $500,000 in billable assets.   For accounts that are within this range there is an annual fee of 1% charged quarterly determined based on the value of the assets at the end of each calendar quarter.  For relationships under $500,000, financial planning services will be billed separately on a per-project basis.
Project Specific Planning:
One-time financial plan fee of $1,000 – $3,000 depending on complexity.


Available In-Person: Greater Denver Area.
Available Virtually: Anywhere in the United States.


Integrity Wealth Solutions is a tiered flat-fee financial planning and investment management firm focused on helping individuals and small business owners in a transparent and equitable manner. We adhere to low-cost, tax-efficient portfolios based on the client’s comprehensive financial planning goals.  We have helped numerous physicians in all stages of life and developed a Post-Residency Financial Action Plan that helps physicians get started on the right foot.Post-Residency Financial Action Plan:

  1. Comprehensive review of personal debt and develop a debt payoff plan.
  2. Develop investment policy and plan for retirement savings, which could include an analysis of cash balance plans and back-door Roth IRA, if appropriate.
  3. Analyze life and disability insurance needs and if needed, recommend the appropriate coverage.

Beaird Harris Wealth Management

Investment Management
Financial Planning
Cash Flow Management
Risk Management
Asset Protection
Education Planning
Philanthropic Planning
Estate Planning
Retirement Plan Services
New Doctor Program
*Tax & Accounting Services Provided by Beaird Harris & Co., P.C.

Greater of 1% of Assets Under Management or $875/qtr. for First Three Years;
Greater of 1% of Asset Under Management or $1,250/qtr. Thereafter.
*Tax & Accounting Fees are Billed Separately by Beaird Harris & Co., P.C.

12221 Merit Drive, Suite 750, Dallas, TX 75251
(972) 503-1040 | Contact Us
*They also Leverage Technology to Connect with Clients Remotely

Holistic. It’s a word that although tossed around far too often these days, is deeply ingrained in the healthcare profession. From early on, you’re taught to treat the whole person rather than individual symptoms – addressing the interrelationship and interdependence of all systems within the complex structure that is the human body. It’s precisely the same diagnostic approach we’ve adopted at Beaird Harris. While our roots are firmly established in the detail and discipline of a CPA firm, we recognize that tax management is inextricably linked and woven into the fabric of your financial planning and wealth management picture. Addressing any one in isolation is more like treating symptoms than providing  a cure. Although our tax and wealth management practices are separate and autonomous entities – each with their own clients – all of our clients benefit from the knowledge-sharing that comes with such close association and collaborative expertise.  See important disclosures here.

Fox & Company Wealth Management

Johanna Fox Turner, CPA, CFP®, RLP® Johanna is the founder of Fox & Co. CPAs and Fox & Co. Wealth Management. Both firms use a flat fee structure for year-round planning, investment management, and tax services specializing in physicians and dentists. 90% of our business is virtual and you can be 100% certain you’re working with a fiduciary. Johanna has 36 years of experience advising business and HNW clients on wealth protection and holistic financial planning, including tax strategies, estate planning, business operations and succession planning. If you want experienced, coordinated advice under one roof, schedule a free consultation hereFox Wealth Management Financial Advisor Application

Aspen Wealth Management

Aspen Wealth Management offers fee-only, comprehensive financial planning and investment management services to individuals, families and small businesses. With the first consultation free and no asset minimum, their fixed-fee arrangement is the first step for professionals in their 20’s and 30’s primarily, but not exclusively. There are discounts for those in medical school, residency and fellowships. Aspen prescribes to a strategic investment philosophy utilizing DFA and Vanguard funds as part of a low-fee portfolio. In addition to their fixed-fee model, Aspen provides hourly financial planning and comprehensive wealth management solutions. Schedule your complimentary consultation today by clicking here .Aspen Wealth Management Application

Upperline Financial Planning

Jude Boudreaux, CFP® founded Upperline Financial Planning to build a planning firm based on planning, not assets under management.  The pricing structure allows the firm to work with residents and young physicians with a focus on planning, cash flow, debt management (including PSLF planning) and a focus on helping clients build their lives and not just their portfolios.  Jude’s daughter was diagnosed with Leukemia (Pre-B ALL) before her 2nd birthday and that experience has influenced their love of working with those in the medical community.  (she’s now 6 months off treatment and doing great, by the way).  Jude is based in New Orleans but also has the ability to work with clients around the country on virtual basis utilizing a flat annual fee payable monthly.

Navigo Wealth Management

Navigo Wealth Management Application

Financial/ Retirement Planning
Portfolio/Investment Management
Investment Performance Analysis
Wealth Transfer
Wealth Protection
Charitable Giving

Associated with value of accounts under direct management (does not include 401(k)/403(b) etc.).
<$100,000: $150 to $1,500/yr
>$100,000: $1,500 to $10,000/yr
>$1 million: negotiable for physician clients

Texas and Alabama
We work virtually with clients across the country.

Navigo Wealth Management provide comprehensive investment advisory services for physicians and high net worth individuals. Founded in Sugarland, Texas they have almost 50 years of combined industry experience. Utilizing low-cost funds, their portfolio management style consists of appropriately allocating, diversifying and rebalancing assets with a discipline that helps reduce portfolio drawdowns to protect during economic unrest. They have a practicing physician, Chase Cawyer M.D. M.B.A., who currently advises all physician clients, believing that investing properly starts with a comprehensive personal financial plan. You can contact them here.

Panoramic Financial Advice

Panoramic Financial Advice is a forward-thinking virtual advisory firm specializing in the needs of physicians, with a focus on Generation X and Generation Y, with expertise in student loans, investments, retirement planning, employee benefits, and tax mitigation. Panoramic is able to provide clients with comprehensive financial planning via a secure, state-of-the-art online portal. Clients pay up front for a comprehensive financial plan, ranging from $499 to $1,999, and can retain the firm’s services to carry out and monitor the plan, with monthly retainer fees starting at just $69 per month. No asset minimums. Free Initial consultation. Can meet virtually with all clients, and in person with California residents only. Please contact Founder Andrew McFadden at

Seamless Financial Planning

Seamless Financial Application

Seamless Package: A comprehensive financial plan which includes student loan planning, tax planning, cash flow management, goal setting, investment management and more with ongoing support.
Custom Package: A one-time financial plan which allows you to select as few or as many planning topics as needed.

Fee Structure:
Seamless Package: The annual fee (minimum of $3,000) is based on the schedule below and may be paid in either monthly or quarterly payments.

1% of Adjusted Gross Income (AGI) + 0.50% of Net Worth Between $0 – $2M + 0.25% of Net Worth Above $2M

Custom Package: Contact us with the planning topics that you would like to cover and to discuss pricing.

We work virtually with clients across the country!

Seamless Financial Planning was founded to help young dentists across the country find balance in their financial lives. The firm’s focus is on providing fee-only advice that will allow young dentists to build a foundation for financial flexibility. We work with clients to navigate subjects like student loans, creating a savings plan, minimizing taxes and more! Andrew Davis, CFP®, was inspired to start the firm after spending a significant amount of time in dental offices when it was discovered that he had 17 missing permanent teeth. In addition, fate would have it that he would marry a pediatric dentist, so Andrew understands the challenges that young dentists face. Click here to schedule a complimentary phone consultation.

Pauley Financial

Pauley Financial Application

Financial Planning
Investment Management
Defined Contribution and Defined Benefit Plans

Bronze: $1,800/Year: Designed for Residents or Fellows
Silver: $2,400/Year: Designed for Fellows or First Year Attendings
Gold: $3,600/Year plus .45% AUM: Designed for Early Career Medical Professionals
Platinum: Negotiated Planning Fee plus .45% AUM: Designed for Mid-Career Medical Professionals, Business Owner Medical Professionals, Independent Contractor and/or Locum Tenens Doctors

San Antonio
National clientele – Travel Incorporated into Planning Fee as/if appropriate

There’s a reason why you are so good at what you do.  You’ve dedicated years of your life and immense financial resources to education, residency, research and practice.  Shouldn’t you expect that same level of commitment/excellence from your advisor? Pauley Financial is credentialed, experienced and passionate about helping medical professionals reach their goals and achieve financial freedom – all part of Planning for a Life Well-Lived™.  If you are looking for a trusted advisor who is legally bound to put your interests first, we’d love to chat. Our fee structure is designed to meet you where you’re at – from residency to retirement.

Aptus Financial 

Aptus Financial is run by Sarah Catherine Gutierrez, CFP, out of Little Rock, AR, but will work with you anywhere. She is one of the lowest cost advisors available, currently charging an hourly rate of just $200, and I have had nothing but good feedback about her from readers. She is relatively young in her career (and so isn’t going anywhere anytime soon), but has already designed hundreds of financial plans for residents and attendings alike. Aside from developing a full financial plan for each client, she pursues student loan management solutions, including student loan “investing” strategies, refinancing alternatives and income-based repayment and public student loan forgiveness options. She has a focus on cash flow management to help clients maximize savings and debt payoff early in their careers.

Metanoia Financial

Bobby Cremins, CFA, CFP®, CKA® of Metanoia Financial has developed a Biblically-based process to help physicians build their “Financial Houses”.  He can help you get organized, develop a customized plan, and create an evidence-based investment strategy to make sure your money is working for you while you’re busy working with your patients.  Bobby works with physicians at all stages of their careers and offers a special discounted program for residents and fellows. Bobby works especially well with new attendings who want to aggressively pay down debt and build wealth.  He lives in Philadelphia and works with many physicians at HUP and CHOP, but he works virtually with physicians all over the country. Bobby Cremins application

ACAP Asset Management

ACap Asset Management  It’s easy to include Ara here because he is fee-only, utilizes passive funds primarily from DFA, mostly specializes in docs, has significant educational pursuits, and has low fees.  Ara also has the CFP certification and is a CFA charter holder. His “emerging physicians” program basically charges you a flat fee for financial advice for your entire med school, residency, and fellowship.  After completion of training, there is a minimum fee of $2400 per year. The initial consultation is free and he works with physicians across the country.


WealthKeel Financial Application

Our most utilized service is WealthKeel Planning, this is where we custom-craft your financial plan from scratch. You have been pitched by “financial planners” since medical school. However, they all seem to want to sell you something. That is not financial planning, that is financial sales. WealthKeel Planning is true financial planning, and we would love to show you why it is time for a second opinion. This can be offered as an ongoing service (for our delegators) or a one-time service (for our do-it-yourselfers).

We also offer Project Specific Planning which is most commonly utilized with medical residents to help craft a plan to pay back their student loans. We will also use Project Specific Planning to review employer benefits package, craft your first budget, help with your investment allocations, and other specific topic questions.

WealthKeel Planning:
If less than $200,000 of assets: One-Time Plan Creation Fee* + $200 per month.
If greater than $200,000 of assets: One-Time Plan Creation Fee* + 1.00% advisory fee on managed assets (lowered based on assets).
*One-Time Plan Creation Fee= $1,500 – $5,000 (fee varies based on complexity).

Project Specific Planning:
Project specific plans have a one-time plan creation fee of $500.

Available In-Person: Greater Philadelphia Area & Greater Harrisburg Area.
Available Virtually: Anywhere in the United States.

Chad Chubb, CFP® founded WealthKeel LLC to simplify and organize the financial lives of physicians by custom-crafting financial plans that instill the motivation to achieve the life you want to live. It is time to design a plan to conquer your goals and remove the status quos from your thought process. Let’s chat and see if we would make a good team; you can schedule your free icebreaker call online.

Phillip James Financial

Phillip James Financial is a Fee-Only Wealth Management firm based in Plymouth, Minnesota – owned and operated by Phillip Christenson, CFA and James Sexton, CPA. We provide Comprehensive Financial Planning, Investment Management, and Tax Preparation services. We work with physicians and are well positioned to handle your investments, tax planning, debt, and retirement/financial planning all in one place. We find that one of the biggest areas we can help is lifestyle management. There is a lot of pressure for higher earners like physicians to keep up with the Joneses. We utilize low-cost indexing strategies in client portfolios, using various mutual funds and ETFs from Vanguard, Schwab, and DFA (Dimensional Funds). Phillip Christenson Financial Application

FPL Capital Management

FPL Capital Management is a Fee-Only RIA that offers a unique fee structure, which is based on charging clients a flat annual fee for services provided. Fees range from $1,000 to $5,000 per year. FPL offers a broad range of management options, which includes both model and customized portfolios. Most strategies utilize low-cost funds from Vanguard, Dimensional (DFA), iShares, WisdomTree, and AQR. They have custodial relationships with Schwab, Fidelity, and TD Ameritrade. In addition to asset management, FPL offers an Institutional Platform that provides clients access to private debt and private equity funds. FPL also offers Wealth Management and ERISA Fiduciary services. They specialize in medical practices and their focus is on practices with fewer than 20 employees. They offer this service utilizing the DC Platforms of Vanguard, and DFA. E-mail or call them directly at 800-835-1969 for more details.

Larson Financial

Larson Financial Physician-specific and focused on passive investing. They will also take you despite a negative net worth.  I gave them a positive review here.  Lots of comments from current clients in the comments section. They have agreed to provide financial planning for White Coat Investor readers at an hourly rate in the $180-250 range. Contact me if you are interested in this service as it is by referral only.

Aurochs Financial Group

Aurochs Financial Group located in Wayzata, MN and serving clients Nationally is a Fee-Only Financial Transitionist that helps clients figure out retirement.  So much is possible with a strategic, consistently implemented plan, we’ve created a proprietary method called The Smart Decision ProcessTM. This method ensures nothing is overlooked while creating a dynamic model for making smart decisions based on your most important objectives and values. Simply put, it allows for flexibility and diligence in achieving your goals throughout the planned and unexpected developments in your life. We’re here for the long-term with you. For a short video on how we help Physicians (Click Here) Aurochs-financial-application

Wrenne Financial Planning

Wrenne Financial Planning helps physicians and dentists across the US find financial peace in their busy lives.  Daniel Wrenne, ChFC, CLU, CFP®, has over 11 years experience working with medical families and their finances.  Daniel started the firm to escape from industry conflicts of interest and focus on providing more objective and comprehensive planning.  Daniel and the team at Wrenne Financial Planning will help you save time and sleep better at night knowing all your finances are in order and you’re set up for the future.  Schedule a free consultation or check out their blog on planning for physicians to find out more.  Wrenne Financial Application

Foster Group


Investment Management
Advanced Financial Planning
Retirement Plan Consulting

Fee Structure:
Based on Complexity
Account Value                    Annual Fee Schedule {on marginal dollars}
Up  to $1,000,000                  1.00%
$1,000,001-$2,000,000         0.75%
$2,000,001-$3,000,000         0.60%
$3,000,001-$5,000,000         0.50%
$5,000,001-$25,000,000       0.40%
$25,000,001 and above        0.30%

Account Value                    Annual Fee Schedule {on marginal dollars}
Up  to $2,000,000                 0.75%
$2,000,001-$3,000,000        0.60%
$3,000,001-$5,000,000        0.50%
$5,000,001- and above        0.40%

6601 Westown Parkway Suite #100 West Des Moines, IA 50266
8901 Indian Hills Drive #300 Omaha, NE 68114
We serve clients in 35 states by leveraging technology to connect with clients wherever they are. We also travel to meet with clients in person.

For more than 25 years, Foster Group has focused on delivering financial solutions to physicians. Nearly 40% of our clients are medical professionals who appreciate our independent, fee-only, integrated approach to financial planning and investment management. Foster Group has more than $1.7 billion* in assets under management and serves more than 1,000 clients across 35 states. Our financial advisors work with individuals, trust funds, retirement plansnonprofit and for-profit organizations, and fiduciaries to preserve capital, grow assets, and manage marketplace risk. Click here for a complimentary second opinion today and/or download our free e-book containing the five investment fundamentals every physician should know.

*As of 1.1.17 PLEASE NOTE LIMITATIONS: Please see Important Advertising Disclosure Information and the limitations of any ranking/recognitions, at

Three Oaks Capital Management

Grant Bledsoe, CFA, CFP®, founded Three Oaks Capital Management in order to help people across the country make consistently smart financial decisions in a transparent and objective way. Three Oaks Capital is a fee-only firm that offers comprehensive financial planning, student loan planning, investment management, and retirement plan management. Grant combines institutional experience with a focus on low cost investing and current academic research. His services cater to both experienced and younger professionals, including student loan repayment plans for a flat fee of $500, reduced fees for current medical residents, and no investment minimums. Click here to learn more.

FIT Advisors

Anjali Jariwala is a CPA and CFP® with a decade of success in tax consulting and financial planning.  She founded FIT Advisors to combine these two skill sets and elucidate tax implications during financial planning.  Anjali exclusively uses evidence-based investment strategies (such as DFA funds) and a transparent fee-only structure to eliminate any conflicts of interests.  She saves clients time with the option to have virtual meetings. Anjali has developed expertise in meeting physicians’ needs by addressing issues for her husband and their friends & family in medicine.  She specializes in serving physicians and small business owners.  Anjali takes a holistic approach as a financial life planner, helping clients discover their goals and build a secure future.

Your Richest Life

Your Richest Life Application

Comprehensive Financial Planning
Ongoing Financial Coaching and Monitoring

Fee Structure
Upfront fee ranging from $1200-3000
After upfront fee you pay a monthly fee of $125-300/month

Dallas-Fort Worth, Texas
(Most business is conducted virtually allowing the firm to work with clients all over the country)

Your Richest Life Planning, a fee-only firm, was founded in 2014 in order to focus on professionals under 50 that are juggling high-intensity jobs with the demands of a family. In order to most effectively utilize a client’s time, most business is conducted virtually. This allows the firm to work with clients all over the country while also keeping financial planning costs down. Katie Brewer, CFP® and founder of YRL Planning, has over 12 years of experience in the industry and has been quoted in various sources such as The New York Times, Forbes, and Business Insider.

Litovsky Asset Management

Konstantin Litovsky offers comprehensive retirement plan advisory and investment management services.  He specializes in setting up and managing small business retirement plans such as 401(k) and Defined Benefit/Cash Balance plans for solo and group practices, and serves in an ERISA 3(38) fiduciary capacity. He is fee-only (flat/fixed fees rather than AUM fees) and has no minimum portfolio size. Retirement plan advisory fees range from $4,800 – $9,600.  If you’re looking to set up a 401(k) or a Cash Balance plan for your practice, I highly recommend you contact Mr. Litovsky.

Conservative Wealth Management

Conservative Wealth Management Application

Investment Management

Fee Structure:
Based on Assets Under Management
0.88% on first $1MM; 0.50 thereafter

Minimum Investment:
$2,500,000 (fee: 0.62%)

Los Angeles, CA
(Nearly all clients are located remotely, with a standing invitation to lunch at the Polo Lounge when they come to LA.)

Conservative Wealth Management LLC is the financial advisory firm run by investment author Phil DeMuth, Ph.D. Prospects are encouraged to review his web site and his writings to ensure a good fit, especially The Affluent Investor or The Overtaxed Investor (contact Phil for a copy).

Solari Financial

Solari Financial Application

Investment Management
Ongoing Monthly Memberships
Hourly Financial Plans

Flat Fee Structure – Based on Complexity
Investment Management: $1,000 – $2,000 upfront fee and starting at $900/quarter
Ongoing Monthly Memberships – $1,000 – $2,000 upfront and starting at $225/month
Hourly Financial Plans: $1,500 – $5,000

3 Executive Park Dr. Bedford NH 03110
10 Post Office Square Boston MA 02109
(They also leverage technology to connect with clients wherever they are)

Solari Financial is a comprehensive fee-only financial planning and investment management firm. Established in 2013 to bring objective advice to physicians accumulating and building wealth. The firm designs plans with clients that balance tax strategies & retirement planning with their personal lives. They incorporate DFA and Vanguard into their low fee portfolios.  Michael Solari CFP® is the founder and has been quoted in publications such as The Boston Globe, Wall Street Journal and US News & World Report.

Physician Family Financial Advisors Inc.

Physician Family Financial Advisors Application

Financial planning for retirement, college, home purchase & student loans
Consulting & advice on taxes, disability & life insurance, home loans & budgeting
Investment guidance & Portfolio management

$500 fixed monthly fee includes all services above. No conflicts of interest.
No minimum investment.
No AUM fees.
No hourly charges.

Headquartered in Eugene, OR and serving physicians nationwide virtually

Physician Family Financial Advisors only serves doctors with children, helping them save taxes while saving for college, investing for retirement and managing student loans. W. Ben Utley CFP® has 20+ years experience and is quoted in The New York Times, The Wall Street Journal, Medical Economics, Physicians Practice, Orthopreneur, Oncology Practice and dozens of other publications. Cindy Kleiner MS CFP® AFC® has 10+ years experience and her husband is a physician so she knows how to navigate the system. As fiduciaries, they recommend low-cost index funds from Vanguard and DFA. Ask for the White Coat Investor discount when you request a free initial consultation.

Enlight Financial

Enlight Financial Advisory Application

Investment Management
Financial Planning (Tax, Investments, Insurance, Estate, Education, Business, Student Loan, Cash Flow, Budget, and Retirement Planning)

Fee structure:
$2500 per year
$250 for Residents

1%  from 0 to $500k
0.75% from $500k to $1 mil
0.5%   from $1 mil upwards

Same as Investment Management, but with a $2500 minimum for accounts below $250k

Matawan, NJ  (She has clients across the country and uses technology to connect as needed.)
201-892-6094  |

Preeti Shah CPA, CFP® (Enlight Financial LLC), operates as a sole proprietorship, with only a limited number of clients added each year.  All clients have her personal cell number and can call 24/7 in case of emergencies.  Clients can also connect as often as needed, and the planning process encompasses everything from investments, insurance, estate, tax, and education planning, to creating business plans, applying for loans — even tracking credit card points. Besides personalized and comprehensive service, Preeti also emphasizes educational and transparent financial planning where she teaches clients what she does so they can participate in the planning process.

Physicians Capital Management

Financial Education
Financial Coaching
Money Management
Financial Planning
Fee structure:
$400.00 per hour
Virginia but will work with people in all 50 states.

Physicians Capital Management, LLC, is run by a nephrologist and successful individual investor turned adviser, Randy Gertner, MD.  Dr. Gertner charges an hourly consult fee of $400 per hour to set up a portfolio of index funds for your investments. The initial consultation call is billed at $400 per hour as well.  He is a passionate Boglehead, espousing the all important principles of extreme low cost, extreme diversification, tax efficiency, and low turnover. Comprehensive advice concerning all aspects of your financial life are approached in an evidenced-based manner. Dr. Gertner can be reached at 540-604-6301 or by email at

The Financial Advisory Group, Inc.

The Financial Advisory Group Application

Comprehensive wealth management
Investment management
Financial and Tax planning
Practice management/accounting through a partnership with its sister company, The Practice Advisory Group.

Fee Structure:
The Financial Advisory Group charges its clients an annual flat fee (billed quarterly in advance), based on the client’s asset levels and financial planning/tax planning complexities.
Up  to $500,000                  1.00%
$500,001-$1,000,000         0.75%
$1,000,001 and above      0.50%

5599 San Felipe, Suite #900
Houston, TX, 77056
Phone: (713)624-4219

The Financial Advisory Group is a flat fee fiduciary offering comprehensive wealth management, investment management, & tax planning to its clients. The Financial Advisory Group brings over 25 years of experience in managing and mitigating physicians’ financial lives through the effective planning in areas such as Retirement, Education, Taxation, Cash Flow/Budgeting, Estate, and Insurance. The Financial Advisory Group partners with its sister company, The Practice Advisory Group, in offering physicians the option of practice management/accounting as well. The Financial Advisory Group employs a vastly diverse group of professionals, including those with CFP, CFA, CPA, JD, MBA, and PFS designations.

Forward Thinking Wealth Management, LLC

Forward Thinking Wealth Management Application

Comprehensive financial planning including retirement, college savings, student loans, insurance and more.
Investment guidance and management, with emphasis on low fee investments and tax management.

Fee structure:
Flat Annual Fee of $4,800 regardless of asset size.  No commissions or AUM charges.

Akron, OH but set up virtually to work with clients regardless of location.

Forward Thinking Wealth Management, LLC is a full-service financial planning firm for clients wanting a fee-only CFP® who charges a flat fee based on value and experience.  I created my firm based on a solution to what I know is a broken system where nearly every client pays based on a faulty assumption that advisors have the ability to control the market.  My firm is centered around the evidence if you stay in control of three things within your control you will increase the odds of successful investing: Advisor Fees, Investment Fees and Taxes within your Portfolio.


UMAFS was created by physicians for physicians and offers a full range of financial products and services including:
Investment Management
Retirement Income Planning
Cash Management & Budget Planning
Student Loan Debt Pay Off Planning
College Funding
Insurance Planning
Estate Preservation
Group 401(k) Services
Financial Planning services are offered at no charge for members of the Utah Medical Association. For wealth management fees, see the following schedule.

Fee Structure:
UMAFS charges investment clients a quarterly fee in advance as listed below:
Assets between $0 and $100,000                         .85%
Assets between $100,001 and $250,000            .70%
Assets between $250,001 and $2,000,000         .60%
Assets between 2,000,001 and $10,000,000      .50%
Assets above $10,000,000                                     .40%

310 East 4500 South, Suite 550
Salt Lake City, UT 84107
Phone: 801-747-0800

Utah Medical Association Financial Services is one of my favorite advisory firms. They are unique in that the firm is owned by the UMA and thus indirectly by the physicians it advises, minimizing any financial conflicts of interest. This is one of the few financial firms whose services I have actually utilized, although I confess as a diehard do-it-yourselfer, I don’t go to see them very often. They will meet with any UMA member once a year, for free, but if you want asset management, they charge reasonable fees for that. They are continually improving their services, including the recent addition of DFA funds to their line-up. When local colleagues ask me for a recommended adviser, I have often sent them here.

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