I'm a Financial Consultant with AXA Advisors in Rochester, NY.

 

My mission is to help my Cardiologists’ clients secure a Happy Retirement. Doctors work really hard. This is my way of saying "Thank you" to the medical community!

 

Virtually every physician with whom I speak with experiences an acute financial pain, regardless of his or her income. Earning less hurts, no matter how much you make. Paying ever-increasing taxes hurts. Worry about market volatility keeps physicians up at night, regardless of the size of their portfolio.

 

Financial security—and financial insecurity—impact every dimension of a physician’s life. Constructing a firm financial foundation is the first step toward achieving the personal and professional goals that attracted you to a career in medicine.

 

In my business practice I focus on:

 

- Helping physicians with income and wealth preservation strategies, as well as estate planning.

 

I also serve Medical Doctors with: 

  • 401K and 403B plans
  • Pension plans
  • Key employee benefits
  • Buy - Sell agreements
  • Business exit strategies
  • Tax reducion strategies
  • Life insurance
  • Collateral assignment / Loan repayment strategies
  • Long term care insurance
  • Social Security maximization strategies
  • Medicare cost planning
  • Disability income insurance

 

Group Benefits: Life, Disability Income, Dental and Vision Plans. 401k and 403b plans.

 

 Work Transition: 401K, 403B, Pension, and IRA rollovers

 

WHY DO PHYSICIANS HAVE A HARD TIME TRANSLATING THEIR HIGH INCOMES INTO WEALTH?

 

I believe that it’s not what you make; it’s what you keep. Here are some unique financial challenges that I've observed physicians face:

• High student loans

• A late start on earning and savings

• The potential loss of assets from known and overlooked risks

• A high tax burden

• A propensity to get investment advice from the wrong people

 

Many physicians turn to colleagues for investing advice. A physician’s excellent clinical judgment does not uniformly translate to excellent investing judgment. Remember the saying, “You can never be too thin or too rich?” I’ve seen as many wealth-building strategies as diets. And some are ineffective and downright dangerous.

 

We have the expertise to help you plan your personal, professional and financial goals that attracted you to a career in medicine.

 

The golden days of medicine are not over; they are just beginning.  You may have made financial choices in the past you regret. I would like to help you replace judgment with compassion and understanding. There are reasons you made the choices you did.

 

You can make different choices starting today. It’s never too late or too early. There is always hope for a better financial tomorrow.

 

Time is money, so let’s get started! 

 

Thank you for allowing us to help you plan for today and tomorrow.