Organize The World Around You

A Holistic Strategy

*Securities related services are offered only through registered representatives of MML Investors Services. Additional services are not products or services of, or endorsed by, MML Investors Services.


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DIRECT DEPOSITS

We recommend that each household have a central account for receiving and distributing funds. Automatic drafts and wire transfers will be directed to various places in an effort to meet the financial needs and goals of the client’s specific situation. This account will receive direct deposits and hold all Emergency Funds.

 

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BUDGET

We discuss a very detailed budget for each client. Firstly to judge the relevance of certain expenses going forward, and secondly, so we can transfer a very specific amount of money to the client's personal checking for spending. Transferring an agreed upon amount is an integral part of disciplined spending. 

 

 

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MANAGE RISK   AUTOMATICALLY

It is critical that a physician have all forms of insurance paid in a timely manner. We have all insurance premiums automatically drafted from your personal account to guarantee payments are easy to manage and always on time. In the event a family emergency does occur, coverage will not lapse due to missing a bill.

 

 

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MANAGE DEBT  AUTOMATICALLY

Most of our clients will begin their careers with significant debt. We provide a clear strategy for each physician after considering their cash flow and various holdings. The focus will be to reduce unproductive high interest debt. We discuss the various federal loan forgiveness options and the possibility of refinancing the debt and whether or not such a change would be helpful. Debt payments are typically drafted each month from the central account as a way of incorporating more discipline, which also helps with accomplishing a desired timeline. 

 

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MANAGE SAVINGS AUTOMATICALLY

Disciplined savings is the key to building wealth effectively. Our analysis of your situation will accurately help you determine how much should be saved on a monthly basis and to what type of account each dollar should be directed. This ensures that the goals and objectives of the client are being accomplished without requiring one to consciously thing through how much to save or where to save every month.

 
 
 

INFORMATION PROVIDED IN ABOVE IMAGES IS HYPOTHETICAL, AND IS ONLY MEANT TO SERVE AS AN EXAMPLE OF BUSINESS PROCESSES. INFORMATION DOES NOT REPRESENT ANY PARTICULAR INDIVIDUAL(S).