Built Specifically For Pharmacists
Your pharmacy is your pride and joy, but it can also be a demanding job. Like agency owners, pharmacists understand the importance of prioritizing their time and energy for what truly matters. That's where we come in.
Leverage our Experience
We're not just financial advisors; we understand the pressure of prescriptions, inventory, and insurance. As CFPs we become your trusted financial confidant.
With our guidance, you can maximize your Return On You. We'll help you manage your finances, grow your wealth, and free up your time to pursue passions beyond the dispensary – whether it's travel, hobbies, or spending more time with loved ones.
The Process That Makes Finances Flexible For Pharmacists AND Do What They Want In Life:
Frequently Asked Questions
Not in the traditional sense, no. You hire us to deliver value. If we stop delivering value, you can end the relationship.
Yes. Many of our recommendations will impact your taxes and your estate plan. We are happy to have conversations with any and all of your professional advisors, including your insurance agent
We do not prepare tax returns. However, we will request your returns annually to review as your return generally influences many of our recommendations.
We understand your pharmacy finances. But our firm does not provide direct advice on managing your business finances. Sometimes our recommendations will overlap with your business finances, to which we would gladly consult with you and your CPA or CFO.
We believe the stock market rewards those who stay invested, and therefore we build portfolios that will encourage our clients to stay the course. Investment strategies start with an intended objective, and attaching purpose to your money is a main factor in where you invest it. A successful investment strategy starts and ends with discipline. We build portfolios by selecting investments that have historically outperformed in down markets while still delivering favorable returns in positive years.
We get paid in several ways depending on how you choose to work with us. When we directly manage investments, our compensation is based on a percentage of your account value. In our financial planning work, the cost is either a one-time planning fee and/or an ongoing monthly fee.
Troy & Stephanie
Primary Goals: How will I pay off my student loans, purchase a home and still invest for the future amidst all my current debt? They would also like to have two children within the next several years.
Troy and Stephanie are not thinking about retirement. Not because they do not want to retire, but because they are still young. They enjoy traveling when their schedule allows for it and would like to have children in the future.
Their challenge isn’t overcoming any financial mistakes or limitations, they have been doing everything right. They both contribute to their company retirement program and generate a combined income of six-figures.
Stephanie’s concern is how to pay off their student loans, reducing the amount of taxes that comes out of their paycheck, and continuing to save for their future goals.
- Generating high six-figure incomes.
- Contributing to their retirement vehicles.
- Protecting themselves with the right types of insurance.
The Next Step
A young married couple, ages 32 and 29. They recently got married and are building careers in the medical profession. Troy is an ER doctor and Laura is a retail Pharmacist.
They both enjoy their careers, but they would like to achieve financial independence in the event Stephanie decides to change her career or decides to become a stay-at-home mother. They are excited and have lots of plans. However, their student loan debt that they are currently paying back keeps them up at night.
In partnership with their financial planner, they created a plan to address their most pressing concerns.
They now have a:
- A tax-efficient investment strategy to reduce risk and improve returns
- Transparency in their investment costs
- The proper retirement account to save in
- A plan to better manage cash flow
- Confidence that Stephanie could leave her job
They onboarded an easy-to-use online personal financial website that securely helped them organize their entire financial life.
Troy and Stephanie now enjoy the peace of mind that comes with having a clear plan and having regular access to a financial planner who understands their values and the financial circumstances that can help them make ongoing financial decisions.