Don't Pay More When You Invest More
Avoid conflicts of interest that go with asset-based percentage AUM fees
Make AÂ Plan
$2,250
Step 1 includes:
- Retirement Goal Setting Meeting
- Secure Online Portal
- Retirement Planning Meeting
- Retirement Action Plan
- High Level Asset Allocation Recommendation
- Legit Tax Strategies
- Satisfaction Guaranteed
Get On TrackÂ
$1,750
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Step 2 includes:
- Account structure advice
- Backdoor Roth set up advice
- Specific investment recommendations
- Tax preparer referrals
- Insurance & estate planning guidance
- Satisfaction Guaranteed
Stay On TrackÂ
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$475
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Step 3 includes:Â
- Fuss-free investment account setupÂ
- 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
- Satisfaction GuaranteedÂ
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 a Make A Plan or Get On Track service.
For our Stay On Track service, we can waive the next month's fee.
STEP ONE: Make A Plan For Retirement, College & Other Goals
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Project fee: $2,250 one-timeÂ
You can have a personalized Retirement Action Plan in just a few weeks. Our Make A Plan service includes:
Meeting One: Goal Setting
When do you want to retire? Whether your answer is "now" or "later", 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. Add college goals for children (or grandchildren) to round out your plan.
Meeting 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 meeting.
Meeting Three: Collaborative 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 meeting with a Certified Financial Planner™ professional.
Meeting 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 steps required to put your plan into action on your own or with our help in the Get On Track service.
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.
STEPÂ TWO: Get On Track
To Put Your Plan Into Action
Project fee: $1,750 one-time
With your Retirement Action Plan in hand, you can take action on your own or choose this service to let us help you Get On Track in just a couple of weeks. The Get On Track service includes:
Meeting Five: Account Overview
How are your accounts invested right now? Meet with our Certified Financial Planner to take an in-depth look at each of your accounts and evaluate your options. Gain guidance about insurance and estate planning as well as referral to a tax preparer if you need one.
Meeting Six: Investment Action Plan
Gain specific advice about how to open accounts, invest new cash or reallocate existing accounts using mutual fund recommendations we provide no matter where your accounts are held. Got a Fidelity 401(k)? A Vanguard IRA? Or a Schwab brokerage account? Get the right investment advice for retirement and college without moving your accounts.
STEPÂ THREE: Stay On TrackÂ
For Years to Come
Membership fee: $475 per month
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Do you remember where you were five years ago? Things are different today, right? To lead your family through the inevitable changes between now and retirement, consider our Stay On Track service which includes:
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
Are you a fiduciary?
Yes, ever since we were founded.Â
How does Physician Family get paid?
The fees you see are the only compensation you’ll pay us. For our Make a Plan and Get on Track services, you’ll pay by credit card. For our Stay on Track service, you’ll pay by ACH bank draft. As a fee–only firm, we never accept commissions, referral fees, or other payments that might taint our advice to you.
Does the fee include my spouse?
Yes. The fees above cover services for your family: you, your spouse and your children under age 18.
Will you help my spouse if I die?
If you are a Stay On Track member who dies or becomes cognitively impaired, we will step in and take care of your family by helping your spouse make good financial decisions for years to come. Once a physician family, always a physician family.
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.
Will you ever increase my fees?
Probably so. Our prices are based on the cost of employing great people, so we do occasionally increase membership rates to keep up with inflation.
Are there any hidden fees?
Nope.
How do I get started?
First, take a quick quiz, and if it looks like a match, you can schedule an interview.Â
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
© Physician Family Financial Advisors, INC. 2024. All rights reserved.
Investment advisory services offered through Physician Family Financial Advisors, Inc. an investment adviser registered with the Securities and Exchange Commission (SEC). For additional information see our Legal Documents Page, ADV2, our Customer Relationship Summary and other disclosures.