Investment Management

You may have essential financial obligations covered and a solid retirement plan in place. But what about additional investments? Our Wealth Management Team has the knowledge and expertise to ensure you are taking advantage of the right investments for your situation.

Physician Wealth Advisors is a SEC-registered Investment Advisory firm. Our investment advisors work side-by-side with you to be certain you have the best investments tailored to your particular goals, risk tolerance, and timeline.

View CRS & ADV Brochure

Income Planning

One of the most critical services we provide is a well-structured, sustainable retirement income strategy. With numerous methods available, structuring income in retirement can be overwhelming.

Retirement risks differ significantly from accumulation-phase risks. Our financial planners guide you through evaluating these differences, helping create a reliable income stream that supports your lifestyle while managing longevity, inflation, market volatility, and healthcare costs.

Retirement Planning

Personal Retirement

You can expect to be more active and live longer during your retirement years. That's why it's essential to have the resources necessary to sustain the lifestyle to which you and your family have become accustomed.

When planning for retirement, key questions include: How much do you need? How long will it last? Many physicians are unclear about where they stand and what steps to take next. Our top-notch advisors help lay the groundwork for the retirement you envision—with practical, personal guidance and clear next steps.

Employer-Sponsored Plans

Our Plan Types

Physician Wealth Advisors provides retirement plan services for 401(k), profit sharing, 403(b), 457, defined benefit plans, non-qualified plans, and ESOPs. We consult with plan sponsors as an ERISA 3(21) fiduciary for investments and offer additional services including plan design, RFP/vendor searches, employee education & communication, ERISA compliance, competitive benchmarking, and unbiased advice. Our independence and fee transparency ensure objective recommendations through leading institutional partners.

Flexible, Managed Retirement Plans

We go to great lengths to make providing a retirement plan a pleasant experience. We handle participant-level services including education, communication, advice, and executive financial planning. Working directly with your staff, we evaluate their needs and goals, then provide resources to help them grow their knowledge and achieve their individual financial objectives.

Tax Planning

Taxes are a central component of any comprehensive financial plan. Nearly every area—retirement, investments, insurance, estate planning—has tax implications. We use diagnostic tax software to identify planning opportunities and potential errors directly from your tax return, helping ensure you pay only what is appropriate.

While we do not prepare tax returns, incorporating your tax situation into your overall plan allows us to minimize liability year-round.

• Tax-efficient Portfolio Management — Tailored investment strategies based on your full tax picture for greater efficiency.
• Review Tax “Gotchas” — Identify phaseouts, Medicare surcharges, Net Investment Income Tax, Widow Penalty, RMDs, and more.
• Retirement Optimization — Strategic allocation across traditional, Roth, and after-tax accounts.
• Retirement Distribution Planning — Model scenarios for withdrawals, Roth conversions, and Social Security timing to optimize after-tax income.
• Coordination with Your CPA — Collaborate to reduce errors in reporting (e.g., charitable donations, backdoor Roth IRAs).
• Ongoing Tax Management — Monitor changes in tax laws and adjust your strategy through periodic reviews.

How to send us copies of your tax returns:

• Upload securely via a link we email to you
• Drop them off at our office—we'll copy them for you
• Have your tax preparer send them directly to us

** Tax planning is the consideration, analysis, and/or projection of tax strategies without taking the step of making a recommendation.

Risk Management

Insurance plays a vital role in a comprehensive financial plan for physicians, who have higher earning potential and greater liability exposure than most families. Proper protection allows you to live confidently, knowing your family can maintain their lifestyle if something unexpected occurs.

We provide intelligent choices for coverage type, amount, and provider—trading a small known cost to avoid potentially large unknown losses. If you already have policies, we're happy to review them. No financial plan is complete without thorough risk and insurance analysis.

Life Insurance

Life insurance provides a financial safety net for your family in the event of your passing, covering lost income, debts, funeral costs, and more. We help select the right policy to protect what matters most.

Get a Life Insurance Quote

Disability Insurance

Your ability to practice medicine is one of your greatest assets. Disability insurance replaces a portion of your income if injury or illness prevents you from working—ensuring financial stability during recovery.

Request a Disability Insurance Quote

Long-Term Care Insurance

Long-term care planning is essential due to rising costs, longer lifespans, and limited Medicare coverage for custodial care. We use the HALO tool to analyze long-term care and life expectancy data specific to your demographic and family profile—providing more accurate projections for retirement and care needs.

Please take a few minutes to complete the secure HALO assessment below. Your responses remain private and will help us refine your retirement plan.

Debt Management

Many physicians face significant debt challenges: student loans, home mortgages, practice purchases, and more. We create customized roadmaps to manage and reduce debt while still progressing toward retirement and other goals.

We help identify eligibility for student loan forgiveness, income-driven repayment programs, and other strategies—navigating the complexities so you can focus on your career and family.

College Funding

Education costs continue to rise rapidly. Many families worry about funding college for children or grandchildren. We present options and strategies to help you meet these goals efficiently.

One excellent choice is Utah’s my529 plan (a top-rated 529 program) for tax-advantaged growth. We help determine the right amount to save, select appropriate investments, and integrate college planning into your broader financial picture.