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Doctor, Dentist or Other Medical Professional

Joe’s background as an Emergency Medicine physician gives him a unique insight into your financial needs.

Been there, seen that

You want to make prudent, evidence-based decisions with your finances. You may be concerned about optimizing cash flow, tax planning, and minimizing costs while maximizing return on your net worth. 

Often, because of lengthy and expensive educational requirements, you experience a late financial start. You might not start accumulating wealth until after your mid-30s.  For some specialties and circumstances, this late start can extend even further. 

You might struggle to find the time to select investments, make tax saving decisions, track expenses, and engage in comprehensive retirement planning.   

You may need to revisit (or create) your estate and legacy plan. You might not have an updated will, power of attorney, medical and end-of life-directives. Younger physicians may still have a significant amount of student or practice debt. 

You may view insurance as a product riddled with sales incentives that don’t favor your interests. Nevertheless, life insurance, disability insurance, long-term care, and asset protection need to be addressed and resolved. 

Female medical professional

Your unique needs may extend even further, like supporting your parents or creating a trust to provide for a disabled child or grandchild, or setting up and administering a company retirement plan. 

We walk the walk

We eat our own cooking. We plan and invest for ourselves, our family and our loved ones the same way we advise you. 

Our financial planning and investment guidance are comprehensive and thoughtful. Our recommendations are personalized and based on prudent, time-tested, and peer-reviewed evidence. We are dedicated to your unique solution. We balance risk and return, cost and benefit in all we do.

Your side is our side

Our advice is objective.  We are only compensated by you.   We avoid conflicts of interest, disclose any we may have and resolve them in your favor.  We are totally committed to your best interest.

Taxes are a critical part of your finances.  We work to defer or minimize your lifetime tax burden whenever possible.  We structure your investments and withdrawals in a tax-efficient manner.  Our recommendations always consider tax implications.

Life is busy.  We understand.  We do everything we can to make working with us as easy as possible. We suggest that you delegate to us the heavy lifting, the problem solving, the stress – all of the items you don’t want to do or shouldn't do on your own.

Our window is open

We named our firm “Open Window” to convey making the most of the “windows of opportunity” in your life.  It also stands for transparency, honesty and the disinfecting component of sunlight in everything we do, including our advisory cost.