If you’re not sure how to answer that question, then we know exactly where you’re coming from. Are you worried about outliving your money? We can help there too.

You earn a great deal of money. Yet you also have a great deal of debt from medical school, plus a family, a mortgage, and a lifestyle to support.

It would be nice if they taught personal finance or wealth-building strategies while in school. – but they didn’t or very little.

As a doctor, you are busy taking care of your patients all day long. If you have any extra time, you would rather spend it with family. The last thing you want to do is read and learn about financial planning, retirement planning, investment management, and tax reduction strategies. Then, put them all together in a cohesive plan. That’s where we come in.  


That’s why today, we are delighted to share with you the “PROACTIVE WEALTH” program (our flat-fee financial planning program through Redwood Financial Network, a registered investment advisor a separate entity from LPL Financial)

We are helping some of your fellow physicians around the country plan and pursue financial independence. Whether you’re trying to plan for Retirement, College Funding for kids, or even a budget, we’ll provide the missing pieces of the puzzle you need to make your dream a reality.

What sets us apart from others is that we create strategies based on your unique needs and objectives, not a cookie-cutter approach.

Let us show you exactly how PROACTIVE WEALTH works.

First, we get together via Zoom to learn about you and what’s important to you and your family. Then, we’ll dive in deep on your vision of retirement lifestyle, kid’s college education, leaving a legacy behind for your family, charity, etc.

Second, we’ll go to work and figure out where you are in life, what options you have now or later, and discuss the pros and cons of each step. Then, you ultimately decide which goals to attack first. 

Finally, we repeat the first two steps and continue to fine-tune your goals and objectives.



Through analysis the outcome will either be you are ahead or behind schedule of investment assets.


If your current outcome has a shortfall, we might discuss how much more money you need to save per month to close the gap, should you retire later, should you reduce your retirement lifestyle.


If your current financial projection is ahead of schedule, how soon can you retire, how much more money can you spend.


Then, we will look at what-ifs. What if you or your spouse become disabled for a short or long period? How is that going to impact your overall plan? What if you or your spouse dies prematurely? Are you able to maintain your current lifestyle or even in retirement years?

In the end, you will know exactly where you stand and see what you will need to do as you move forward.

PLUS, here’s what else you’ll get access to when you join today, to name a few:

  • Track all or most of your financial accounts in one place where you can view them at once.
  • Cash Flow Analysis today and throughout your retirement.
  • Match your risk tolerance to that of your investment portfolio.
  • Your investment returns compared to your goals.
  • Strategies to minimize taxes each year.
  • Rebalancing assets to ensure proper diversification.
  • Planning income for your spouse and children in the event of your premature death.
  • Planning income in the event of disability during your working years.
  • Alternative Retirement income projections.

After our clients participate in the program, they generally feel more confident about pursuing their goals and objectives.


As a doctor, you understand the importance of experts as opposed to taking a “Do it yourself” approach. You have a busy lifestyle and know how to delegate tasks. You prefer to stay out of debt and save money. Even though you save you don’t really have a plan for the money. You aren’t reactionary by nature which makes you not interested in the “hot tips” that are out there. You prefer sound advice from a professional in all aspects of your life. 

If this is you, we could be a great fit together. 


Look at these six areas and see if you have some of these common problems. Let us help you turn those problems into solutions.



… don’t know how to create a budget so you don’t start one

… not knowing the exact income to work from

… not truly knowing monthly expenses

… not setting a realistic budget that you can live with

… can’t distinguish wants from needs

… spending money out of boredom

… not budgeting for specific goals

… not properly updating and tracking your budget


… not understanding your credit rating

… not knowing how a negative credit score can affect your wallet

… not knowing what your interest rate and loan terms are

… frivolously using credit cards

… having too high of a credit utilization rate

… not having a plan to pay down your debt

… only making minimum payments on your credit cards

… using cards just to gain rewards

… not choosing between an aggressive repayment plan or a consolidation of debt

… not knowing your debt-to-income ratio

… paying off good debt too early

… paying unnecessary late fees


… saving money after paying for other expenses

… not having an emergency savings

… not knowing how to keep up with or outpace inflation

… saving in just one account

… not saving money because of a debt reduction strategy

… skipping months of savings at a time

… not properly defining savings goals (down payment for house, wedding, etc.)


… paying too much for old policies

… lack of understanding of current policies

… not addressing how you would replace income due to untimely disability or death

… carrying either too much or too little insurance

… ignoring certain insurances (disability, long term care, etc.)

… not running analysis to figure out what you proper amount and type of coverage should be

… not shopping out homeowners and car insurance policies

… relying strictly on company insurance plans

… putting off applying for insurance

… not updating/reviewing beneficiaries on a regular basis


… not knowing how investments work

… starting late and not taking advantage of compounding interest

… not knowing your risk tolerance

… “Set it and forget it”, not rebalancing your portfolio

… Investing based off recommendations from non-professionals

… not understanding your holdings

… not monitoring your investments

… not paying attention to the tax implications that comes with investing

… investing without creating an emergency savings

… not investing automatically

… trying to time the market

… investing with your heart instead of your head

… not understanding your investments

… investing money that is needed “short-term”


… failing to have a retirement plan

… not knowing how much you need to retire

… not maximizing your retirement accounts

… loaning money off your retirement account

… paying penalties on early withdrawals

… not reviewing your retirement plan yearly (at a minimum)

… not factoring in future income sources (Social security, pension, etc.)

… planning on taking future income sources too soon

… paying for children or family members with retirement funds

… not accounting for the true cost of health care in retirement

… only utilizing traditional retirement accounts, not Roth

… not knowing the rate of return you need to achieve in your retirement accounts

Here is what we can do to help you pursue tackling your problems.


… Create a budget that works for you and your family

… Figure out the amount of income you will need

… Examine monthly expenses and see where you can trim

… Settle on a realistic budget that you can live with

… Help to decipher “wants” from “needs”

… Promote healthy spending habits

… Create goal specific budgets

… Analyze budget and update when necessary


… Educate you about your current credit rating

… Explain why a negative credit rating can cost you extra money

… Examine current interest rates on current debt

… Help to responsibly use credit cards

… Focus on credit utilization rate

… Create a plan to pay down debt (if necessary)

… Make payments that make a difference in your overall debt

… Utilize credit rewards programs responsibly

… Examine if debt consolidation or paying off makes more sense

… Learn your debt-to income ratio

… Decipher if you have “good debt”

… Help you cut down on late fees


… Pay yourself first

… Create an emergency savings

… Learn about inflation and how to outpace it

… Allocate your savings dollars to different vehicles

… Analyze paying down debt over savings

… Install an automatic savings plan

… Properly define your savings goals and work towards them


… Audit current insurance policies to see if you are paying a competitive rate

… Educate you on your current policies

… Create a plan for an unfortunate disability or death

… Determine the right amount of life insurance to carry

… Explore all insurances (disability, long term care, etc.)

… Run analysis to figure out proper amount and type of coverage

… Help you shop out your current car and home insurance

… Understand the role company policies play in your overall plan

… Help you act on applying for necessary coverages

… Ongoing review of current policies


… Learn about the basics of investing

… Starting to invest!

… Understand your risk tolerance

… Teach you about rebalancing your investments

… Tune out the non-professional noise

… Know what you are holding

… Check your investments periodically to stay “in the know”

… Pay attention to tax implications of specific investments

… Save on a schedule to make sure you still fund your emergency savings

… Automatically have your savings invested

… Understand you can’t time the market

… Make investment decisions with your head, not your heart

… Know what you hold

… Properly invest according to how soon you need certain money


… Construct a retirement plan based on your goals

… Know how much your retirement will cost in dollars

… Try to have your retirement account take the efficient amount of risk based on your tolerance

… Look at other loan options if lending is needed, do not touch your retirement

… Adhere to age limits when withdrawing from retirement accounts

… Review your account at a minimum annually

… Analyze where income will come from in retirement (Social Security, Pension, etc.)

… Run scenarios to see when the best time is to start taking income from Social Security or pension

… Set strict boundaries for loaning money to family

… Paint a clear picture of what health care will cost you in retirement

… Take advantage of both traditional and Roth buckets, along with a taxable account if possible

… Know what you need to earn in your retirement accounts to achieve the lifestyle you want


The cost for PROACTIVE WEALTH is $5,000 per year (or $500 per month). $5,000 for all the services listed above could be one of the most important investments you end up making. 

Imagine your life focusing on spending time with your family and taking care of your patients while we help design and implement your overall financial strategies. How would that change your life? You would get to spend less time and energy on things you are not fond of and spend more time and energy on things you love.

Also, if you decide to take advantage of this program, we will provide the following additional services.

  1. Strategic Wealth Management program at 0% fee for the first twelve months: We charge between 0.5% and 1.5% per annum, depending on the account size.
  2. Retirement Plan (403b/401k) Rebalancing: We will monitor and assist with asset allocation of your work’s 403b / 401k semi-annually.
  3. Annual Life and Disability Insurance coverage analysis: We will review your work’s group benefits compare them to the marketplace for your review.
  4. Pension / Social Security Optimization: We will review your pension or the Social Security estimate and provide you with the best way to collect them.
  5. Ongoing tutorials to learn valuable tips for your finances: Whether it be how to grow tax free wealth or how to protect your biggest asset, we will constantly educate you on smart money tips. 
  6. Address the “What if’s”: Many curveballs will come your way, we will help you be better equipped to handle them.

Pursue PROACTIVE WEALTH by choosing your payment option below.