Don't Pay More When You Invest More
Avoid conflicts of interest that go with asset-based percentage AUM fees
FOR DOCS WHO NEED DIRECTION
Clear
PlanÂ
$795
one time
Satisfaction Guaranteed
- Secure Online Portal
- Retirement Goal Setting Session
- Retirement Planning Session
- Action Plan
- High Level Asset Allocation Recommendation
- Smart Saving Strategies
MOST POPULAR
Committed
Membership
$527 per month
$327/mo for young doctors
15–mo commitment
- Fuss-free investment account setup & transfers
- Fee-free management for IRAs, trusts and joint accounts
- Click-by-click investment guidance for HSA, 401k, 403b and TSP plans
- Proactive tax loss harvesting
- Proactive backdoor Roth conversions
- Tax-optimized retirement income planning
- Annual Progress Checks
- Annual Investment Reviews
- Easy access to your Primary Advisor by text, phone or email
- Full access to our team of financial specialists when you need more support
- A backup plan for your spouse when you're gone
No matter which package you choose, you'll get:
- A plan that tells you when it's safe to retire
- Transparent pricing that protects you from hidden investment fees
- Perspective on your financial life as a physician that you can't get on your own
- Respect and concern not just for you but your whole family
- Fiduciary advice that's not clouded by the drive to get more assets under management
- Balanced approach to money that considers what's in your head AND your heart
- Our Regret-Free Satisfaction Guarantee
Clear Plan For Retirement
$795 one time
Whether you choose to jump right into the Physician Family membership or try out a One Time service, you can have a personalized Retirement Action Plan in just a few weeks. Our Clear Plan includes:
Session One: Goal Setting
When do you want to retire? Whether your answer is "now" or "never", you can turn vague notions into meaningful goals in this call guided by a Certified Financial Planner™ professional. After you set a date, drill down on details like the cost of living, healthcare in retirement, travel and maybe a second home. Make sure to add college goals for children (or grandchildren) to round out your plan.
Session Two: Getting Organized
With our secure online portal, You can keep track of all your financial stuff including real estate, mortgages, student loans, investments and other financial accounts. Whether we walk you through this or you choose to onboard yourself, the information you share will flow into your plan in our next session.
Session Three: Hands-On Planning
Can you retire earlier? Get a feel for your future by playing with the numbers. Change your savings rate, retirement date, post-retirement spending, college choice and investment strategies to see what the future might hold for you in this live, one on one session with a Certified Financial Planner™ professional.
Session Four: Retirement Action Plan
Find out how much to save, where to invest and how to get all the tax breaks you deserve with a personalized Action plan you can use to move toward retirement, college and other savings goals. It's a strategic plan that outlines the work we will do together in the next phase of plan implementation.
Satisfaction Guaranteed
No one can guarantee the achievement of your goals, but we promise you'll love your plan. If you don't, we'll give you a full refund of the price you paid for your plan.
Committed MembershipÂ
For Planning + Investing
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$527/mo ($327/mo for young physicians), 15-month commitment
If you want a retirement Action Plan AND you want help putting it to work, our committed membership program is for you. It includes everything in the Clear Plan above plus all the services outlined below.
Done–For-You Investing
Free yourself from the hassle of picking funds, placing trades, rebalancing accounts, backdoor Roth conversions and tax loss harvesting with professional management for your taxable accounts and IRAs using ETFs from DFA and Vanguard in a buy-and-hold approach to long-term investing. Invest all you want! Our level monthly membership fee means you won’t pay more when you invest more.
Done-With-You Investing
Log into your 401k, 403b, HSA, TSP or 529 plan, then share your screen to get advice for accounts other advisors ignore. No matter where your account is held, get one-on-one, click-by-click guidance to manage it right, right where it is. No rollover required; no extra charge.
Other Advice For the Rest of Your Life
Young doctors need help managing student loans, changing jobs and buying homes. Mid career Physicians want guidance about buying a second home, setting up estate plans or caring for aging parents. Practitioners approaching retirement want to know how to navigate this once in a lifetime transition. No matter what you're going through, our multi-specialty team of Certified Financial Planner™ professionals is prepared to walk you through it.
A Financial Advisor to Call Your Own
Enjoy a solid, long-term working relationship with a dedicated Certified Financial Planner™ professional who "gets" the doctor thing, sees you as an individual and understands both your personal and financial situation. Text, call or email your primary advisor and expect answers to your questions in two business days or less.
Semi-Annual Checkups
In your Annual Progress Check, we can help you turn tax law changes, recent economic shifts, new developments at home and even upheavals at work into smart moves that keep your plan on track in the coming year. In your Annual Investment Review, we'll take a fresh look at all of your positions in all of your accounts to make sure your investments are aligned with your plan.
Built-in physician family backup plan
Have you ever wondered how your spouse will make good financial decisions when you're gone? Don't worry: we've got your back. If something happens to you, we'll be ready to help your spouse take care of the money for your family even if "financial stuff" is not their thing.
Frequently Asked Questions
How does Physician Family get paid?
We are a fee-only firm which means we charge a project fee or level monthly membership fee for our services. We never accept commissions or referral fees. We are fiduciaries, so the advice you receive puts your interests first.
Do you charge an asset-based or “percentage AUM” fee?
Absolutely not. No matter how much you invest, your monthly membership fee covers account management (where we manage your accounts for you) or investment guidance (where you manage your accounts yourself with specific mutual fund recommendations we provide).
Will you ever increase my fees?
Yes but not for new members. Our prices are based on the cost of employing great people, so we do occasionally increase prices to keep up with inflation after the initial commitment period.
Does the fee include my spouse?
Yes. The fees above cover services for your family: you, your spouse and children under age 18.
Are there any hidden fees?
No. While your financial institution and other service providers (your accountant or attorney) may charge you separately for their products and services, Physician Family's work is covered by your monthly membership fee.
Why don’t you bill by the hour?
Advisors who bill by the hour have an incentive to waste time and, for the physicians we serve, there’s nothing more precious than time with their family and their patients. From our perspective, membership fees give us the ability to earn a stable salary so we can feel comfortable putting our hearts and souls into serving you.
What happens when I am gone?
If you are a physician married to a non-physician spouse and you die or become unable to take care of your finances, don't worry! We will step in and take care of Your family by helping them make good financial decisions for years to come.
Smart Financial Advice for
Busy Physician Moms and Dads
Be certain.™
Physician Family Financial Advisors Inc.
9450 SW Gemini Dr PMB 52736
Beaverton OR 97008-7105
[email protected]
(541) 463-0899
©2009-2024, Physician Family Financial Advisors Inc.