Broker Check

Financial Planning for Physicians

- Reduce Debt - Invest Smart - Retire Secure -

Personal finance has become more complicated and burdensome than it should.  Join other physicians who are turning their concerns about debt, investing, and retirement into a feeling of financial wellbeing.

From Concern

From Concern

As a physician, you have valid concerns... 

  • Burdened by student loans
  • Unsure where to invest
  • Paying high taxes
  • Worried about retirement
  • High demands on your time
To Financial Clarity and Wellbeing

To Financial Clarity and Wellbeing

Your custom plan will...

  • Manage your level of student loans
  • Include a personalized investing strategy
  • Reduce taxes where possible
  • Create a secure retirement
  • Reduce time spent worrying about personal finances

Real Cases

Med School Debt

Med School Debt

A young physician had a mound of student loans, was recently married, starting a family, and house hunting.  We worked together to:

  • Prioritize their cash flow
  • Identify an appropriate student loan repayment strategy
  • Balance competing interests between saving for a down payment, reducing debt, and starting to save  
Investing

Investing

A couple wanted to improve their portfolio.  With retirement starting, they would now rely on their portfolio for income.  Together we:

  • Found and reduced excess risk
  • Increased dividend and interest income
  • Reduced excess fees and expenses
  • Improved long-term expected returns
Tax Planning

Tax Planning

A couple with high taxable income had been missing opportunities to reduce their tax bill.  Their tax preparer, like many, focused on what happened the prior year, rather than providing tax advice about the upcoming year.  In working together, we helped them to:

  • Shift the location of their holdings to expand the tax free part of their portfolio
  • Implement a charitable strategy that allowed them to claim a larger itemized deduction
  • Defer income to a lower tax year
Retirement

Retirement

A physician and her husband were contemplating retirement.  Together we determined:

  • The optimal Social Security timing for each spouse
  • Whether to be insured by original Medicare with a supplement or a Medicare Advantage plan
  • How much income their assets could generate in retirement
  • How to reallocate their portfolio for secure retirement income

Why WisMed Financial?

Created by & for Physicians

We understand your unique needs and challenges.

As a company owned by the WI Medical Society, our profits support the continued work of the Society on behalf of the physician members.

Independent & Fiduciary

We are independent. We do not represent a brokerage firm or insurance company.

As a fiduciary, we are obligated to do what is in your best interest at all times.

Expertise

 “Being a CERTIFIED FINANCIAL PLANNER™ [professional] is largely considered the gold standard in financial planning.”  - US News & World Report, Jan. 31, 2019

No Commissions

There are no commissions or revenue sharing.  As fee-only advisors, we are paid by you, period.

Associated With

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