Physician Financial Advisors
Save Every Dollar You'll Need For Retirement
Join 200+ physician moms and dads like you who are turning today's worries about taxes and investing into all the money you need for retirement and college
25+ years experience
Does This Sound Familiar?
Are you missing out on tax breaks?
- Got a big tax bill last year?
- Tax preparer couldn't care less?
- Too busy to dig into the details yourself?
Is something wrong with your investments?
- Paying too much in fees?
- Paralyzed by too many options?
- Tired of seeing accounts just sitting there?
Are you overwhelmed by extra money?
- Cash piling up in the bank?
- Afraid of making the wrong move?
- Not sure if you should pay off debt? Or invest it?
No surprise bills. No asset-based charges. No hidden fees.
Avoid conflicts of interest with level monthly subscription fees that cover financial planning and investment advice for you, your spouse and your school-aged children.
Get personalized assistance and answers from our team of financial planners™ for doctors by videoconference, phone, email or text
Save taxes while you put your money toward retirement, college and other goals. Gain advice about student loans, housing, budgeting, insurance and estate planning
Get organized and stay on top of your financial accounts, student loans, real estate and insurance in your chart on our Electronic Financial Record (EFR)
Free yourself from the hassles of consolidating, monitoring, trading and rebalancing your investments when we handle the details for you
Skip the guesswork with specific mutual fund recommendations for your 401k, HSA, college plan and other accounts you manage yourself, no matter where you invest
See your progress and uncover opportunities hidden by changes in the economy and the tax code as you make adjustments to stay on track
We. Are. Fiduciaries.
You don’t have to know all the answers. Running your practice while raising a family takes a lot of energy and the last thing you want to do when you have a spare minute is dig through the ever-changing tax laws and investment options to see where they fit in your plan.
As fiduciaries, we have a duty to advise and act in your best interest. That means we've got your back, so relax and let us handle the financial scut work for you.
W. Ben Utley, CFP®
As one of the best financial advisors for doctors, Ben’s expertise has been recognized in 100+ media appearances over the past 25 years.
Nate Reineke, CFP®
Student Loans & College
Janet Davis CPA, CFP®
Kyle Hoelzle CFP®
Chelsea Jones CFP®
We’re With You Every Step Of The Way
1. Talk With Us
Find out if we’re a match and choose your service package
2. Make A Plan
Clarify your financial goals and understand how to reach them
3. Get On Track
Make progress by taking steps to save every dollar you’ll need
Guiding You Every Step Of The Way
On any given day, you can find us working with physician moms and dads who are building an emergency fund, buying or building a home, calculating how much life insurance to buy, choosing a donor advised fund, choosing an asset allocation, choosing new employee benefits, choosing the best 529 plan, cleaning up old accounts, considering a cash balance plan, considering a job change, contributing to Traditional IRAs, determining how much risk to take, doing Roth conversions, finding a new accountant, finding a place for extra money, finding the right place to invest, funding a trust account for kids, getting a will, getting ready to actually retire, harvesting tax losses, investing in a Health Savings Account (HSA), looking for tax breaks, looking for tax-efficient mutual funds, managing 401(a) accounts, maxing out profit sharing plans, monitoring investment returns, moving to a better bank, moving toward debt freedom, navigating public service loan forgiveness (PSLF), picking funds for a 403(b), putting estates in a trust, refinancing student loans, rolling over an old 401(k), setting up a budget, setting up a solo 401(k) for locums earnings, setting up backdoor Roths, shopping for disability insurance, signing advanced directives, taking out a doctor loan, teaching kids about money, transferring IRAs, watching out for faulty 457 plans and even talking about the joys and sorrows of raising a family while practicing medicine.Get Started
Financial Planning For Doctors Doesn't Have To Be So Complicated
At Physician Family Financial Advisors we know you’re the kind of person who wants to be on track for retirement and college, and make sure your family will be financially okay if something bad happens along the way. To feel financially secure, you need to know where to put your extra money now, how to get all the tax breaks you deserve and make sure you’re doing the right thing with your investments.
The problem is you just don’t have the time, energy or interest to dig into the details so you feel worried, confused or even embarrassed. We believe it’s just plain wrong that the financial system should be so complicated that even doctors–some of the smartest people on the planet–find it overwhelming. We understand they don’t teach doctors about financial planning in med school. That’s why we built a multi-specialty team of physician financial advisors who today serve 198 doctors from coast to coast.
Here’s how it works. First we help you get all your financial stuff organized, then we help you make a financial plan that works for you, and we walk you step-by-step through all the steps required to put your financial plan into action, all for a level monthly membership fee without conflicts of interest. So schedule a call with one of our financial planners for physicians to start turning today’s worries about taxes, investments and extra money into a lifelong feeling of financial security.Get Started