Don't Pay More When You Invest More
Avoid conflicts of interest that go with asset-based percentage AUM fees
Step 1 — Get On TrackÂ
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One-time fee: Starting at $3,000
Understand where you stand and when retirement is possible.
We build you a clear, personalized path to retirement and college, with your spouse alongside you, so you stop wondering whether you're on track and start knowing.
How we do it:
- Retirement goal setting led by a CFP® professional
- An in-depth review of every investment account
- Collaborative retirement and college planning
- Specific recommendations for each of your accounts
Step 2 — Stay On TrackÂ
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Starting at $575/monthÂ
Your financial life stays managed, year after year.
Your plan only works if it keeps up with your life. We manage the ongoing work, watch for what's changed, and keep you moving toward what matters most to you, so it never falls to you to stay on top of it alone.
How we do it:
- Fuss-free investment account setupÂ
- Done For You investing in IRAs, Solo 401(k)s, and joint accounts
- Done With You investing for 401k/403b and 529 plan accounts
- Proactive tax loss harvesting
- Proactive backdoor Roth conversions
- Tax-optimized retirement income planning
- Semi-annual financial check-upsÂ
- Easy access to your advisor by text, phone, or email
- A backup plan for your spouse when you're gone
About our pricing
The fees above are our base prices — the floor for a straightforward situation. Most families pay at or near these rates.
We adjust it only to reflect the complexity of your financial life and the value of the work involved.
We never charge based on your income, your net worth, or the size of your portfolio.
Regret-Free Satisfaction Guarantee:
No one can guarantee the achievement of your goals, but we promise you'll love your plan.
If you are not completely satisfied, we will refund 100% of the fee you paid for the Get On Track service.
For our Stay On Track service, we can waive the next month's fee.
Frequently Asked Questions
Are you a fiduciary?
Yes, ever since we were founded.Â
How does Physician Family get paid?
The only compensation we receive is the fee you pay us directly. As a fee-only firm, we never accept commissions, referral fees, or any other payment that could taint our advice. You pay your Get On Track fee by credit card and your Stay On Track fee by ACH bank draft.
Does the fee include my spouse?
Yes. The fees above cover services for your family: you, your spouse and your children under age 18.
Do you charge an asset-based or “percentage AUM” fee?
No. No matter how much you invest, your Stay On Track membership fee covers all the investment help we can give you, whether we do it for you or do it with you.
Then why isn't everyone's fee the same?
Because not every financial life takes the same work. If you're navigating a big transition, getting two partners aligned on a shared plan, or simply have a lot going on at once, that asks more of our team — and the fee reflects it. The difference is about the work and the value, never the size of your accounts. We'll walk you through exactly where you land before you commit.
Are there any hidden fees?
None.
How do I get started?
First, take a quick quiz, and if it looks like a match, you can schedule an interview.Â
