Fiduciary Financial Advisor for Physicians in West Virginia

Fiduciary Financial Advisor for Physicians in West Virginia

**Charleston • Morgantown • Huntington • Wheeling • Beckley • Martinsburg (and statewide via virtual)**

You take care of patients. We take care of the plan behind your career—cash flow, investments, taxes, insurance, and retirement. As **fiduciary, independent advisors**, we put your interests first and make your financial life simpler, more coordinated, and built for real-world physician schedules.

Why physicians choose a fiduciary (not a salesperson)

Advice over products.** No commissions or quotas—just transparent guidance.
Tax-aware planning.** Coordinate pretax/after-tax accounts, charitable giving, and Roth strategies.
One plan, all moving parts.** From resident to attending to partner/owner, your plan adapts.

Physician-focused planning (what we actually do)

Early-Career / Residents & Fellows**

* Budget & debt plan that respects call schedules and variable income
* **Student loans**: PSLF vs. refinancing, repayment strategy, and timing
* Starter protection: **own-occupation DI**, term life basics

Attending Physicians / Employed

* 401(k)/403(b)/457(b) optimization, Roth vs. pre-tax allocations
* HSA and backdoor Roth strategies (when appropriate)
* Umbrella & malpractice coordination (we don’t sell malpractice; we align the plan)

**Private Practice / Partners**

* **Cash balance plans** & 401(k) design for higher tax deferral
* Benefit menu for recruiting/retention; buy-sell funding with life/DI
* Practice risk, entity selection coordination (with your CPA/attorney)

**Family & Lifestyle**

* College funding that won’t break retirement
* Insurance review: right-sized term life, long-term care planning
* Estate basics: beneficiaries, titling, and coordinated documents (with your attorney)

## Investments—built for physicians’ realities

* Evidence-based portfolios across taxable, retirement, and HSA accounts
* Smart asset location and tax-loss harvesting (when available)
* Behavior coaching so market swings don’t derail your life plan

 What working together looks like

1. **Clarity Session (15 minutes).** Your goals, constraints, and timelines.
2. **X-Ray Review.** Costs, risk, taxes, hidden gaps across accounts and policies.
3. **Physician Plan.** Specific moves for the next 90 days and next 3–5 years.
4. **Ongoing Check-ins.** Adjust as your call load, compensation, or family needs change.

Common physician FAQs

**Do I really need own-occupation disability insurance?**
Most physicians do. Specialty-specific, true own-occ DI helps protect income if you can’t perform the material duties of your specialty.

**Should I pursue PSLF or refinance?**
If you’re with a qualifying 501(c)(3) hospital system, PSLF can be powerful; otherwise, refinancing might lower total costs. We’ll run side-by-side projections.

**What’s the point of a cash balance plan?**
For higher-earning private practice physicians, it can dramatically increase tax-deferred saving beyond 401(k) limits—subject to cash-flow and staffing.

**Is whole life insurance right for doctors?**
Often **term** is the simplest, most cost-effective way to protect income. Permanent insurance can fit specific cases (estate, advanced planning). We’ll show the math.

Ready to get organized—on your terms?

Complimentary 15-minute virtual call** with a fiduciary advisor. Bring your questions; we’ll bring a simple plan you can act on.