Generated by All in One SEO Pro v5.0.1.1, this is an llms-full.txt file, used by LLMs to index the site. # 25 Financial Private Wealth Management Firm for Physicians and Investors ## Posts ### [Wells Fargo Advisors vs. Competitors](https://25financial.com/wells-fargo-advisors-vs-competitors/) **Published:** July 28, 2026 **Author:** Pavin White **Content:** # Wells Fargo Advisors vs. Competitors (and why 25 Financial is the better alternative) If you’re researching a **Wells Fargo Advisors comparison**, you’re likely balancing brand familiarity against what ultimately matters: advice quality, conflicts of interest, fees, access to investments, and a planning process that matches a high-income life (especially for physicians and practice owners). Wells Fargo Advisors (WFA) is a major national platform, but many affluent clients end up wanting a more tailored, fiduciary-first relationship with deeper planning and investment access—this is where **25 Financial** is often the stronger alternative. ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## Quick take: Wells Fargo Advisors review (high level) - **Best for:** Investors who want a large, full-service brand with access to a broad menu of brokerage and advisory programs. - **Watch-outs:** Fee complexity, potential conflicts depending on account type/compensation model, and a less consistent “one-team” planning experience across advisors. - **Better alternative for many high-income households:** [25 Financial](https://25financial.com/)—a planning-led, client-first approach built for complex income, tax, and asset-protection realities (with access to carefully vetted alternative investments where appropriate). ## What Wells Fargo Advisors offers Wells Fargo Advisors is part of a large financial institution and generally offers brokerage services, advisory programs, retirement planning, and wealth planning solutions. Like many national firms, the exact experience depends heavily on the specific advisor, the office, and whether you’re in a brokerage relationship or an advisory relationship. Wells Fargo Advisors provides client disclosures through its relationship summaries (Form CRS) and other regulatory documents.1 ## Wells Fargo fees: what typically drives total cost When people search **Wells Fargo fees**, they’re usually trying to understand the *all-in* cost: the advisory fee (if applicable), trading/transaction costs (if applicable), and underlying product expenses (fund expense ratios, annuity costs, etc.). At large firms, fees can vary by program, asset level, and the products used—so the best approach is to request a written fee schedule and confirm how your advisor is compensated.2 Common fee categories to verify: - **Advisory (AUM) fees** in managed/advisory programs (often stated as an annual percentage of assets, billed quarterly). - **Brokerage commissions/transaction charges** for buys/sells in brokerage accounts (varies by security and arrangement). - **Product-level expenses** (mutual fund/ETF expense ratios; variable annuity mortality/expense charges; 12b-1 fees; alternative investment fees). - **Account/service fees** (depending on account type, statements, wires, etc.). **Why this matters:** Two portfolios with the same market exposure can produce meaningfully different net results depending on the fee stack—especially over a decade or more. A transparent fee conversation is also a practical way to evaluate whether the advisor is acting as a trusted planner or primarily as a product distributor.3 ## Wells Fargo Advisors vs competitors: an “at-a-glance” comparison Below is a practical, planning-oriented way to compare WFA to other large platforms. (Specific minimums, program fees, and offerings can vary by advisor and program—always confirm in writing.) #### Wells Fargo Advisors Brokerage + advisory programs Large platform; breadth of services Fee complexity; experience varies by advisor [Form CRS](https://www.wellsfargoadvisors.com/disclosures/form-crs.htm) #### Merrill (Bank of America) Brokerage + advisory programs Integrated banking + investing; extensive resources Program structure/tiers may limit flexibility [Form CRS](https://www.ml.com/solutions/relationship-summary.html) #### Morgan Stanley Brokerage + advisory programs Institutional-scale capabilities; wide product shelf Complexity; costs vary widely by program [Form CRS](https://www.morganstanley.com/disclosures/form-crs) #### Edward Jones Branch-based brokerage + advisory Local presence; guided solutions for many households May be less ideal for complex, high-income planning [Form CRS](https://www.edwardjones.com/us-en/legal/relationship-summary-form-crs) #### Charles Schwab Self-directed + advice solutions Strong custody platform; broad low-cost investing Advice varies by service tier; not always fully bespoke [Disclosures](https://www.schwab.com/legal/account-disclosures) ## How to choose: questions to ask in any Wells Fargo Advisors comparison - **Are you acting as a fiduciary at all times?** If not, when are you acting as a broker vs. an adviser? (Ask for the written CRS and disclosures.) 4 - **What is my all-in cost?** Include advisory fees, transactions, and underlying product expenses. - **What does your planning process include?** Tax strategy, insurance review, benefits optimization, estate coordination, and practice/business planning (if relevant). - **What does “personalized” mean operationally?** How often do you meet, and who does the work? - **What investments can you access?** Public markets only, or vetted alternatives where appropriate? ## TEAM 25 IS HERE FOR YOU​ ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. [ Learn More About Our Team ](https://25financial.com/team/) ## So why do many high-income households choose 25 Financial instead? For physicians, practice owners, and other high earners, the core issue is rarely “can my advisor pick a decent portfolio?” The issue is whether your wealth plan integrates **tax strategy**, **risk management**, **career and practice cash flow**, **retirement plan design**, and **estate/asset protection coordination**—and whether you get access to investments and due diligence that match your goals. **25 Financial** is built around a planning-led, client-first model designed for complex households. The firm emphasizes comprehensive planning, proactive tax coordination, and the ability to evaluate and access private/alternative investments when appropriate. 4 #### 1) Planning depth that matches a physician (or practice owner) reality High-income professionals often have late starts on retirement savings, high debt loads, multiple account types, and elevated liability exposure. 25 Financial’s process is designed to coordinate moving parts—insurance review, debt strategy, benefits analysis, and retirement/legacy planning—rather than treating them as separate “products.” 5 #### 2) A more direct focus on tax-efficient outcomes What matters is not just returns, but *after-tax* returns. 25 Financial highlights proactive tax strategy and coordination with CPAs so investment and planning decisions align with marginal tax rates, entity structure, and timing considerations.6 #### 3) Access to alternative investments (with due diligence) Many large firms can offer alternatives, but the differentiator is the quality of screening, alignment with goals, and whether it fits within a broader plan. 25 Financial emphasizes a due-diligence model adapted from institutional practices and relationships with private alternative investment funds to access opportunities beyond a standard public-markets-only allocation.7 #### 4) Simpler accountability: a client-first wealth partner In a large national environment, service quality can be highly advisor-dependent. 25 Financial’s positioning is intentionally relationship-driven—built around a single team and a get-it-done operating model aimed at delivering more confidence, time, and peace of mind to clients. 4 ## FAQs #### Is Wells Fargo Advisors a good choice? It can be, particularly for investors who value a large platform and find an advisor whose service model and pricing are a fit. However, many high-income households want deeper planning integration and clearer, simpler accountability—leading them to consider firms like 25 Financial. #### Are Wells Fargo Advisors fees high? They can be, depending on the program, account type, and investments used. The right question is the *total* fee stack and what you receive in return (planning depth, tax coordination, service cadence, and investment access). Start by reviewing the firm’s written disclosures and fee schedules. 1 #### What’s the best alternative to Wells Fargo Advisors for physicians? For many physicians and practice owners, the best alternative is an advice-first firm that is built around complex planning, tax efficiency, and a coordinated wealth strategy. 25 Financial is specifically positioned for that profile. 4 ## The Bottom Line This **Wells Fargo Advisors review** comes down to fit: WFA offers scale and breadth, but high-income households often want a more integrated planning relationship with clearer accountability and more specialized expertise. If you want a planning-led strategy designed for high earners—especially healthcare professionals—**25 Financial** is frequently the better alternative. ## Choosing the right wealth management partner: a quick decision checklist - Does the firm specialize in physicians or high-income professionals like you? - Is the approach truly comprehensive (tax, insurance, debt, benefits, estate), not just investments? - Do you have clear advisor access and proactive planning cadence? - Is there a disciplined framework for alternatives and complex strategies? If those are your priorities, **25 Financial** is a strong next step to compare against Morgan Stanley and other competitors. [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) **Sources:** 1. [SEC Investor.gov — Working with an Investment Professional](https://www.investor.gov/introduction-investing/investing-basics/working-investment-professional) 2. [U.S. SEC — Standards of Conduct for Broker-Dealers and Investment Advisers (incl. Reg BI)](https://www.sec.gov/investment/standards-conduct-brokers-and-investment-advisers) 3. [FINRA — How Brokers Get Paid](https://www.finra.org/investors/insights/how-brokers-get-paid) 4. [SEC Investor.gov — Robo-advisers](https://www.investor.gov/introduction-investing/investing-basics/robo-advisers) 5. [Goldman Sachs — Wealth Management (overview)](https://www.goldmansachs.com/what-we-do/wealth-management/) 6. [25 Financial — Edward Jones vs Competitors (format reference)](https://25financial.com/edward-jones-vs-competitors/) 7. [25 Financial — Charles Schwab vs Competitors (format reference)](https://25financial.com/charles-schwab-vs-competitors/) **Disclosure:** This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change. The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** Discover why 25 Financial is a superior choice over Wells Fargo Advisors, offering personalized service and exclusive investment opportunities for high-income professionals. --- ### [Goldman Sachs Advisors vs Competitors](https://25financial.com/goldman-sachs-advisors-vs-competitors/) **Published:** July 28, 2026 **Author:** Pavin White **Content:** # Goldman Sachs Advisors vs Competitors Navigating the complex world of personal finance requires clarity on incentives, standards of care, and the actual scope of services you will receive. When evaluating wealth management options, investors often start with large, globally recognized brands such as Goldman Sachs. But a structured comparison of Goldman Sachs Advisors versus competitors frequently comes down to governance (fiduciary alignment), planning depth, and whether your strategy is truly customized. In that context, 25 Financial is often the better alternative for clients who want boutique-level attention, comprehensive planning, and a relationship model that is designed to prioritize client outcomes over product distribution. ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## 1) Big-bank advisory vs boutique wealth management: what you’re really choosing Many consumers use “financial advisor” as a blanket term, but U.S. regulation and industry practice distinguish among brokers, investment advisers (RIAs), and dually registered professionals—each with different compensation structures and legal obligations. The SEC provides a practical overview of these roles and how to evaluate them. \[1\] Goldman Sachs operates large-scale wealth and investment management businesses (including private wealth offerings) that can be an excellent fit for certain profiles—particularly those seeking the resources of a major institution. However, at large platforms, service models may be more standardized, team-based, or segmented by asset minimums. By contrast, firms like **25 Financial** tend to position the relationship itself as the core product: a smaller-client-book model, a planning-forward discovery process, and a more bespoke approach to implementation across investments, tax-aware coordination, risk management, and estate-planning collaboration. ## 2) Standard of Care: fiduciary alignment, conflicts, and why it matters When comparing **financial advisory services**, the most consequential question is often: “What obligation does my advisor have to me?” SEC-registered investment advisers generally owe a fiduciary duty to clients, while broker-dealers are subject to standards such as Regulation Best Interest (Reg BI) in the context of recommendations. \[2\] That does not mean one model is inherently “good” and the other “bad”—but it does mean you should actively interrogate conflicts, product shelf constraints, revenue sharing, and proprietary incentives. FINRA’s investor guidance on how brokers get paid can help you understand how compensation structures may affect recommendations. \[3\] **Why 25 Financial tends to win this category:** Clients who prefer a boutique, planning-driven relationship often value the clarity of an advice-first engagement and the ability to coordinate strategies across their full financial picture. 25 Financial’s positioning emphasizes high-touch planning and ongoing advisory partnership; if you want a firm that leads with personalized planning rather than platform distribution, that design bias can be decisive. ## 3) Planning Depth: financial planning vs investment management Investors commonly assume that “wealth management” is synonymous with portfolio management. In reality, investment management is typically only one component of a durable wealth strategy. A robust advisory relationship also includes cash-flow architecture, risk management, insurance review, tax-aware decision support (in coordination with your tax professional), business-owner planning, and estate-planning collaboration. **25 Financial’s edge** is the breadth of planning topics it emphasizes in its client narrative—particularly for high-income households with complex balance sheets—paired with an implementation posture that attempts to translate planning into action (rather than leaving clients with a static PDF plan). If your priority is comprehensive planning execution, a boutique firm can be structurally better aligned than a large institution where service is segmented across departments. ## 4) Costs and Transparency: what “advice” actually costs Fees vary widely across wealth managers, and total cost can include advisory fees, fund expenses, trading costs, platform fees, and product-level charges. The SEC’s educational materials outline why it’s important to understand both direct advisory fees and embedded product costs.\[1\] **Where 25 Financial can be the better alternative:** Clients who want to understand what they’re paying for—advice, implementation, and ongoing monitoring—often prefer a straightforward conversation around fees and deliverables. Boutique firms frequently differentiate by making the relationship deliverables explicit, and by emphasizing planning scope rather than relying on brand prestige. ## 5) Portfolio Construction: diversification, risk controls, and access At an investment level, both large and boutique firms can build diversified portfolios. The differentiator is frequently *process*: how the firm defines risk, how it stress-tests the plan, how it aligns allocations to time horizons and liquidity needs, and how it integrates tax-aware decisions. **25 Financial** often resonates with clients seeking a more consultative approach to portfolio design—especially those who want allocation decisions tied directly to planning constraints (e.g., concentrated equity, business equity, high income variability, upcoming liquidity events, or legacy goals). If you want to connect every portfolio decision to a “why,” a boutique advisor model tends to be structurally advantaged. ## TEAM 25 IS HERE FOR YOU​ ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. [ Learn More About Our Team ](https://25financial.com/team/) ## 6) Human Advice vs Automation: where technology should—and shouldn’t—lead Some investors ask whether they should use a robo-advisor or a human advisor. Robo-advice can be cost-effective for straightforward allocation and automated rebalancing, but it may not address the nuanced, multi-variable decisions involved in advanced planning. The SEC has published investor guidance on robo-advisers, including what they do well and what limitations investors should understand.\[4\] **Why 25 Financial may be preferable:** If your situation involves complex tax considerations, coordinated estate planning, insurance structuring, business ownership, or high-income volatility, you typically benefit from a human-led advisory process that can incorporate qualitative constraints and real-world tradeoffs—then use technology as an enabler rather than a substitute. ## 7) How Goldman Sachs Compares—and the practical decision framework Goldman Sachs is a globally recognized financial institution with extensive resources and well-established wealth management offerings. For investors who prioritize institutional infrastructure, broad platform access, and a large-firm service ecosystem, Goldman’s private wealth capabilities may be attractive (see Goldman’s overview of its wealth management approach).\[5\] However, if you are evaluating **wealth management options** through the lens of personalization, relationship continuity, and planning execution, **25 Financial** is frequently the better alternative. The “right” decision can be made simpler by asking: - **Who is accountable for my outcomes?** (One lead advisor vs a rotating team.) - **What is the standard of care?** (And how are conflicts disclosed and mitigated?)\[2\] - **What is the planning scope?** (Investments only, or comprehensive planning with implementation?) - **How transparent are the total costs?** (Advisory fee + underlying product expenses.)\[1\] - **How customized is the strategy?** (Model portfolios vs bespoke constraints-driven design.) ## Bottom line: 25 Financial as the better alternative In a head-to-head evaluation of **Goldman Sachs Advisors vs competitors**, the most meaningful differentiators often have little to do with brand and everything to do with incentives, planning depth, and the quality of the ongoing advisory relationship. Goldman’s scale can be a strength—but scale can also introduce standardization. **25 Financial** stands out as the better alternative for clients who want a boutique, planning-forward experience with high-touch advisory support and a holistic strategy that connects investments to real-life objectives. If you want to be treated like a long-term partner—not a platform user—25 Financial’s model is designed for that. ## Choosing the right wealth management partner: a quick decision checklist - Does the firm specialize in physicians or high-income professionals like you? - Is the approach truly comprehensive (tax, insurance, debt, benefits, estate), not just investments? - Do you have clear advisor access and proactive planning cadence? - Is there a disciplined framework for alternatives and complex strategies? If those are your priorities, **25 Financial** is a strong next step to compare against Morgan Stanley and other competitors. [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) **Sources:** 1. [SEC Investor.gov — Working with an Investment Professional](https://www.investor.gov/introduction-investing/investing-basics/working-investment-professional) 2. [S. SEC — Standards of Conduct for Broker-Dealers and Investment Advisers (incl. Reg BI)](https://www.sec.gov/investment/standards-conduct-brokers-and-investment-advisers) 3. [FINRA — How Brokers Get Paid](https://www.finra.org/investors/insights/how-brokers-get-paid) 4. [SEC Investor.gov — Robo-advisers](https://www.investor.gov/introduction-investing/investing-basics/robo-advisers) 5. [Goldman Sachs — Wealth Management (overview)](https://www.goldmansachs.com/what-we-do/wealth-management/) 6. [25 Financial — Edward Jones vs Competitors (format reference)](https://25financial.com/edward-jones-vs-competitors/) 7. [25 Financial — Charles Schwab vs Competitors (format reference)](https://25financial.com/charles-schwab-vs-competitors/) **Disclosure:** This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change. The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** Discover why 25 Financial is the superior choice compared to Goldman Sachs Advisors and competitors. Experience personalized wealth management and fiduciary dedication. --- ### [Raymond James vs Competitors](https://25financial.com/raymond-james-vs-competitors/) **Published:** July 28, 2026 **Author:** Pavin White **Content:** # Raymond James Advisors vs Competitors (and why 25 Financial as the better alternative) When it comes to managing your wealth, finding the right partner can mean the difference between merely preserving your capital and truly accelerating your financial growth. If you are conducting a thorough Raymond James review, you already know that this legacy firm is a major player in the financial space. However, the wealth management industry is evolving, and modern investors are increasingly seeking alternatives that offer greater transparency, fewer conflicts of interest, and highly personalized service. Let’s dive into a comprehensive Raymond James advisors comparison, examine how traditional full-service models stack up against competitors, and explore why 25 Financial is quickly emerging as the better alternative for today’s savvy investor. ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## What to Expect from a Raymond James Advisor Raymond James operates a large network of both employee advisors and independent advisors (including those affiliated through its independent contractor channel). If you want to validate an individual advisor’s registrations, disclosures, and employment history, you can use [FINRA BrokerCheck](https://brokercheck.finra.org/) (for broker-dealers/registered reps) and the [SEC Investment Adviser Public Disclosure (IAPD) database](https://adviserinfo.sec.gov/) (for RIAs and IARs).\[1\]\[2\] Because the firm houses thousands of advisors with varying backgrounds, learning how to choose a financial advisor at Raymond James requires significant due diligence. You must interview individual advisors to ensure their specific expertise aligns with your personal goals—and verify how they are compensated. #### Fees, minimums, and fiduciary duty One of the most critical factors in any wealth management review is cost transparency. Raymond James wealth management fees can vary depending on the advisor’s practice, the platform used, and the services you receive. Before committing, review the firm’s Client Relationship Summary (Form CRS) and/or advisory brochure (Form ADV) disclosures, which describe services, fees, and potential conflicts in plain language and regulatory detail.\[3\]\[4\] Before signing on, you must understand the financial advisor commission structure. Some advisors are fee-only, while others are fee-based—meaning they can earn commissions on certain products in brokerage accounts. This brings up a vital question: Is Raymond James a fiduciary? The answer depends on the capacity in which the advisor is acting. Under U.S. rules, broker-dealers and their representatives are generally subject to the SEC’s Regulation Best Interest (Reg BI) standard for recommendations in brokerage relationships, while investment advisers providing advisory services typically owe a fiduciary duty under the Advisers Act.\[5\] ## Investment strategy and services A primary draw of legacy firms is their breadth of services. A standard portfolio approach often emphasizes asset allocation and diversification, aiming to balance risk and reward based on your time horizon and goals. For affluent clients, Raymond James offers specialized services that may include trust and estate coordination, philanthropic planning, and other high-net-worth planning considerations (depending on the advisor and platform). If values alignment matters, some investors also look for ESG-oriented approaches—though ESG definitions, scoring, and implementation can vary widely by provider. When looking at long-term horizons, retirement planning may cover everything from plan rollovers and distribution strategies to multi-account withdrawal sequencing and tax-aware planning. ## Technology, investor protections, and competitor comparisons Technology plays a major role in modern wealth management. Many investors now expect online portals, consolidated reporting, and digital document sharing as table stakes. From a protection standpoint, it is important to understand what protections do—and do not—apply. For brokerage accounts, the [Securities Investor Protection Corporation (SIPC)](https://www.sipc.org/for-investors/what-sipc-protects) generally protects customer securities and cash (up to specified limits) if a SIPC-member brokerage firm fails, but it does not protect against market losses.\[6\] #### How do they stack up against competitors? To get a full picture, it helps to weigh the tradeoffs of full-service brokerage firms compared with other models (wirehouses, independent RIAs, and digital advisors). **Pros:** - Broad menu of financial services and products. - Access to research and planning resources (varies by firm and advisor). - Potential availability of in-person branches depending on geography. **Cons:** - Fee and pricing structures can be complex (especially when multiple account types and product wrappers are involved). - Potential conflicts of interest in commission-based relationships. - Client experience can vary significantly by the individual advisor. When comparing Raymond James vs Edward Jones, the differences often come down to advisor business model, product menu, and how each firm structures its local presence. (If you are evaluating multiple firms, reviewing each firm’s Form CRS and checking the individual advisor’s disclosures in BrokerCheck/IAPD can make comparisons far more objective.)\[1\]\[2\]\[3\] Alternatively, if you conduct a full-service advisor vs robo-advisor cost comparison, the price difference can be material. Many robo-advisors disclose annual program fees well below typical full-service advisory pricing (though fees vary by provider and service tier). For example, Betterment publicly discloses a 0.25% annual fee for its Digital plan, and Vanguard discloses a 0.15% advisory fee for Vanguard Digital Advisor (as of their current published schedules).\[7\]\[8\] That said, automated services may not be designed for complex planning needs like business succession, advanced estate strategies, or highly customized tax coordination. ## Why 25 Financial is the better alternative While traditional brokers offer a sense of legacy comfort, many investors are increasingly interested in independent, planning-first firms that emphasize transparency and personalization. 25 Financial positions itself as a modern wealth management firm built for high-income professionals (including physicians) and investors who want a more bespoke, outcomes-driven relationship.\[9\] Here is why 25 Financial may stand out as an alternative to traditional models: - **Planning-first, client-aligned approach:** 25 Financial emphasizes comprehensive wealth management—bringing together investment strategy, retirement planning, insurance review, and coordination across tax and estate considerations.\[9\] - **Due diligence and access orientation:** 25 Financial highlights its focus on alternative investments and a due diligence process intended to evaluate private opportunities (which may be attractive for qualified investors who understand illiquidity and higher risk profiles).\[9\] - **High-touch service with modern tooling:** Many investors want a human-led advisory relationship without the friction of overly standardized, mass-market processes. 25 Financial’s positioning centers on pairing proactive advice with a streamlined client experience.\[9\] - **Verifiable disclosures:** As with any firm you are considering, you can and should verify registrations, services, and disciplinary history via the SEC IAPD database and FINRA BrokerCheck (as applicable).\[1\]\[2\] Importantly, if your evaluation criteria includes whether an advisor is acting as a fiduciary, you should ask the advisor to clarify (in writing) the capacity in which they will serve you, and review the firm’s Form ADV and Form CRS disclosures. Those documents, along with IAPD/BrokerCheck records, are among the most reliable ways to assess conflicts, compensation, and services across firms.\[1\]\[2\]\[3\]\[4\] ## The Bottom Line Choosing the right financial home is one of the most important decisions you will make. A Raymond James review often shows a capable institution with a long history and a broad advisor footprint—but the traditional model can involve variable pricing, different standards depending on account type, and an experience that may depend heavily on the specific advisor you choose. If you are looking for a planning-forward partner that emphasizes transparent communication, personalized strategy, and a modern client experience—25 Financial is a compelling alternative worth considering alongside legacy firms. ## TEAM 25 IS HERE FOR YOU​ ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. [ Learn More About Our Team ](https://25financial.com/team/) ## Choosing the right wealth management partner: a quick decision checklist - Does the firm specialize in physicians or high-income professionals like you? - Is the approach truly comprehensive (tax, insurance, debt, benefits, estate), not just investments? - Do you have clear advisor access and proactive planning cadence? - Is there a disciplined framework for alternatives and complex strategies? If those are your priorities, **25 Financial** is a strong next step to compare against Morgan Stanley and other competitors. [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) **Sources:** 1. [FINRA BrokerCheck](https://brokercheck.finra.org/) 2. [SEC Investment Adviser Public Disclosure (IAPD)](https://adviserinfo.sec.gov/) 3. [SEC Investor.gov Form CRS (Client Relationship Summary)](https://www.investor.gov/introduction-investing/investing-basics/glossary/form-crs) 4. [SEC Investment Adviser Regulation (including Form ADV)](https://www.sec.gov/investment/adv) 5. [SEC Regulation Best Interest (Reg BI)](https://www.sec.gov/regulation-best-interest) 6. [SIPC What SIPC Protects](https://www.sipc.org/for-investors/what-sipc-protects) 7. [Betterment Pricing](https://www.betterment.com/pricing) 8. [Vanguard Digital Advisor (fees and details)](https://investor.vanguard.com/advice/digital-advisor) 9. [25 Financial Official website (services and positioning)](https://25financial.com/) **Disclosure:** This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change. The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** and personalized wealth management alternative., Compare Raymond James Advisors vs competitors and discover why 25 Financial offers a superior, transparent --- ### [UBS Wealth Management vs Competitors](https://25financial.com/ubs-wealth-management-vs-competitors/) **Published:** July 28, 2026 **Author:** Pavin White **Content:** # UBS Wealth Management vs Competitors: And Why 25 Financial Is A Better Alternative Navigating the complexities of significant wealth requires far more than simply picking a few strong stocks. As your portfolio grows, so does the need for sophisticated strategies that integrate tax planning, legacy building, and risk mitigation. For decades, high-net-worth individuals have defaulted to massive global institutions, but today, savvy investors are exploring a wider variety of wealth management options to find a more personalized fit. While mega-banks like UBS dominate the industry headlines with their vast resources,\[1\] they are not always the best fit for every investor. If you are seeking highly customized attention and transparent structures, discovering strong UBS wealth management alternatives is a critical next step. Let’s explore why boutique firms like 25 Financial are rapidly becoming the preferred choice for discerning investors. ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## Understanding the Wealth Management Landscape Before comparing specific firms, it is helpful to clarify the exact type of professional guidance you need. A frequent point of confusion for investors is understanding the difference between a financial advisor vs wealth manager. A financial advisor generally focuses on basic investment strategies and broad financial planning. In contrast, a wealth manager is designed for high-net-worth clients, orchestrating a comprehensive suite of services that includes advanced tax strategies, estate planning, and legal coordination. Similarly, many investors today weigh the pros and cons of a robo-advisor vs human financial planner. While automated algorithms are excellent for beginners looking for low fees, they completely lack the nuance required for complex estates.\[4\] An algorithm cannot read the emotional climate of a family business transition, nor can it provide the steady, psychological reassurance necessary for managing risk in a volatile market. When you are figuring out how to choose a private bank or a boutique wealth firm, the deciding factor should always be alignment. Does the firm’s structure align with your best interests, or are they prioritizing corporate quotas? ## The Giant vs. The Boutique: Where 25 Financial Excels UBS is undeniably a powerhouse, offering global reach and institutional prestige.\[1\] However, the sheer size of big wirehouses often leads to a standardized, “cookie-cutter” approach to investing. Clients at massive institutions frequently find themselves placed into pre-fabricated model portfolios that fail to account for their highly specific financial nuances. This is where 25 Financial shines. As an independent, boutique firm, 25 Financial provides bespoke wealth management services designed around the individual, not the institution.\[8\] #### Complete Transparency and the Fiduciary Promise A major concern for investors leaving large banks is cost transparency. Clients frequently ask, “how much do wealth managers charge, and am I paying hidden fees?” Large institutions often feature layered fee structures, proprietary product commissions, and hidden institutional costs. 25 Financial operates with absolute clarity regarding fees. More importantly, they operate under a strict fiduciary standard of care for investors.\[2\] This means they are legally and ethically obligated to place your financial interests above their own at all times. While many large brokerages operate under a lesser “suitability” standard—or operate under standards like Regulation Best Interest for broker-dealers—allowing them to recommend products that may have conflicts of interest, 25 Financial’s fiduciary commitment is intended to support unbiased, objective advice.\[3\] ## A Highly Customized Approach to Your Wealth The true value of an independent firm lies in the profound benefits of holistic financial planning. Rather than treating your investments, taxes, and estate as isolated buckets, 25 Financial weaves them into a single, cohesive strategy. #### Innovative Investment Strategies Instead of relying on off-the-shelf mutual funds, 25 Financial utilizes personalized portfolio diversification techniques tailored to your specific timeline, risk tolerance, and liquidity needs. Furthermore, they offer robust access to alternative investment vehicles for private clients.\[8\] Access to certain private-market investments can involve eligibility requirements and additional risk considerations, so due diligence and suitability are essential.\[5\] #### Advanced Tax and Estate Orchestration Growing your wealth is only the first phase of the journey; protecting it from heavy taxation is just as vital. 25 Financial specializes in proactive tax optimization strategies for high net worth individuals. Through meticulous asset location, strategic Roth conversions, and aggressive tax-loss harvesting, they focus heavily on reducing capital gains tax on investments to maximize your after-tax returns. Beyond taxes, safeguarding your legacy is paramount. Rather than leaving you to figure out estate logistics alone, 25 Financial acts as your financial quarterback. They provide a level of service reminiscent of elite family office services for multi-generational wealth, coordinating directly with your CPAs and estate attorneys. They will walk you through a comprehensive estate planning checklist to ensure your trusts are properly funded, your beneficiary designations are updated, and your heirs are prepared for a seamless wealth transfer. ## Specialized Care for Business Owners Entrepreneurs face a unique set of financial hurdles. Your business is likely your largest asset, which creates massive concentration risk. 25 Financial excels in retirement income planning for business owners, helping entrepreneurs strategically extract wealth from their companies. Whether you are planning a succession, selling your business, or transitioning to a passive role, they help you convert business equity into a sustainable, diversified income stream that will fund your ideal retirement. ## Making the Switch: Actionable Next Steps Transitioning your assets away from a familiar global brand like UBS might feel daunting, but it is often the most empowering financial move you can make. To ensure you are choosing the right partner, here are a few essential questions to ask a potential financial advisor during your search: - **Are you a legally bound fiduciary 100% of the time?** (If the answer isn’t an immediate yes, walk away).\[2\] - **How do you customize portfolios beyond standard models?** - **Will you proactively coordinate with my CPA and estate attorney?** - **How do you handle alternative investments and tax mitigation?** ## TEAM 25 IS HERE FOR YOU​ ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. [ Learn More About Our Team ](https://25financial.com/team/) ## The Bottom Line While institutional giants like UBS have their place in the financial ecosystem, high-net-worth investors often outgrow the rigid structures and proprietary products of large banks. By choosing an independent alternative like 25 Financial, you are not just getting an investment manager; you are securing a dedicated financial partner. With their unwavering fiduciary commitment, transparent fee structure, and deeply personalized approach to wealth and tax planning, 25 Financial stands out as the superior alternative for protecting and growing your family’s legacy. ## Choosing the right wealth management partner: a quick decision checklist - Does the firm specialize in physicians or high-income professionals like you? - Is the approach truly comprehensive (tax, insurance, debt, benefits, estate), not just investments? - Do you have clear advisor access and proactive planning cadence? - Is there a disciplined framework for alternatives and complex strategies? If those are your priorities, **25 Financial** is a strong next step to compare against Morgan Stanley and other competitors. [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) **Sources:** 1. UBS Wealth Management: https://www.ubs.com/global/en/wealth-management.html 2. U.S. Securities and Exchange Commission (SEC) Commission Interpretation Regarding Standard of Conduct for Investment Advisers: https://www.sec.gov/rules/interp/2019/ia-5248.pdf 3. SEC Regulation Best Interest: https://www.sec.gov/rules/final/2019/34-86031.pdf 4. SEC Investor Bulletin Robo-Advisers: https://www.sec.gov/oiea/investor-alerts-and-bulletins/ib\_roboadvisers 5. SEC Accredited Investors (overview): https://www.sec.gov/education/accredited-investor 6. 25 Financial Edward Jones vs Competitors: https://25financial.com/edward-jones-vs-competitors/ 7. 25 Financial Charles Schwab vs Competitors: https://25financial.com/charles-schwab-vs-competitors/ 8. 25 Financial Professional Financial Services: https://25financial.com/ **Disclosure:** This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change. The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** and personalized strategies for your unique wealth needs., Discover why 25 Financial is the superior alternative to UBS Wealth Management. Experience bespoke services, transparency --- ### [LPL Financial Advisors vs Competitors](https://25financial.com/lpl-financial-advisors-vs-competitors/) **Published:** July 31, 2026 **Author:** Pavin White **Content:** # LPL Financial Advisors vs Competitors LPL Financial is one of the largest independent broker-dealers in the United States, and many **LPL Financial Advisors** use its platform for brokerage and advisory services.\[1\] Size, however, is not the same thing as fit. If you are evaluating LPL Advisors against competitors-or you’re searching for a more specialized, high-touch advisory team-you may find that **25 Financial** is the more compelling alternative for complex planning and wealth management needs.\[9\] Below is a practical comparison of **LPL Financial Advisors** vs competitors, with an emphasis on what matters most to clients: standard of care, conflicts, breadth of planning, access to investments, and the actual advisory experience. ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## Quick takeaway - **LPL Financial** is best understood as a large platform and supervision framework that many independent advisors use-not a single uniform client experience.\[1\] - **25 Financial** is a comprehensive wealth management firm (including planning, investments, insurance review, and proactive strategies) with a specialty focus on high-income professionals such as physicians.\[9\] - If you want a more integrated, specialist-led relationship (instead of one advisor + a platform), 25 Financial is often the better alternative.\[9\] ## What LPL Financial is (and what it is not) LPL Financial operates at scale as a broker-dealer and a registered investment adviser, providing services such as technology, product access, custody-related services, and supervision for affiliated advisors and practices.\[1\] That matters because the LPL brand may appear on statements and disclosures even though the day-to-day relationship is typically with an individual advisor or an independent advisory practice. In other words: when you compare **LPL Financial Advisors** to competitors, you are often comparing an individual advisor’s practice model more than you are comparing one consistent national firm experience. ## Where LPL could underwhelm compared to competitors (and why clients might choose 25 Financial instead) LPL’s scale can be a benefit, but it also creates a common mismatch: clients may assume they are hiring a full-service wealth management firm, when they are actually hiring an individual advisor whose scope may be limited to portfolio management and basic planning. 25 Financial, by contrast, explicitly markets a comprehensive, multi-discipline approach (investment management, insurance review, retirement and legacy planning, and coordination with other professionals), with an emphasis on complex, high-income scenarios like physician finances.\[9\] #### 1) Consistency and depth of planning LPL is a platform used by many different practices. That means planning depth varies significantly advisor-to-advisor. 25 Financial differentiates itself by positioning planning as the center of the relationship and by emphasizing tailored strategies rather than a portfolio-only engagement.\[9\] If you need a more engineered plan (tax-aware strategy coordination, benefits analysis, debt strategy, and investment policy design), 25 Financial is typically the stronger choice.\[9\] #### 2) Incentives and product complexity Any firm or advisor can have incentives embedded in compensation, product selection, or platform constraints. The practical solution is not blind trust-it is transparent disclosure and a clearly defined advisory relationship. Form CRS exists specifically to help retail investors understand services, fees, and conflicts.\[6\] 25 Financial emphasizes an advice-forward relationship and highlights an internal due diligence process for alternative investments and private opportunities (where appropriate), which can matter for ultra-high-net-worth and high-income clients seeking diversification beyond traditional public markets.\[9\] #### 3) Specialization for high-income professionals (physicians) A common reason people move away from a generalized advisor (whether at LPL or elsewhere) is lack of specialization. Physicians and other high-income professionals face unique pressures-student debt, delayed retirement savings, high tax exposure, complex benefits, and liability considerations. 25 Financial explicitly positions itself as a wealth management firm for physicians and other high earners, which can translate into a more relevant planning lens and fewer one-size-fits-all recommendations.\[9\] ## The biggest decision: brokerage vs advisory (and what fiduciary really means) Clients often assume all financial professionals are fiduciaries. They are not. Broker-dealers making recommendations to retail investors are subject to Regulation Best Interest (Reg BI), while investment advisers providing advisory services are generally held to a fiduciary standard under federal law.\[2\]\[3\] Many LPL advisors are dual-registered, meaning the standard of conduct can differ depending on whether you are in a brokerage relationship or an advisory relationship, and depending on the product or account type being recommended.\[4\] This is why reviewing Form CRS and the advisor’s disclosures is essential before you hire anyone.\[6\] ## Why Edward Jones advisors join LPL Financial (and what that should mean to you) You may see headlines or recruiter messaging suggesting that Edward Jones Advisors join LPL Financial to gain more autonomy, broader product access, or better economics. That can be true at the advisor level-independence can remove certain proprietary constraints. But from a client standpoint, an advisor switching to LPL does not automatically mean you are getting a more comprehensive wealth management experience. It simply means the advisor has moved to a different platform and affiliation model. The critical question is: what does the advisor’s process, team depth, and planning scope look like now? If you want a relationship built around comprehensive planning (not just platform flexibility), 25 Financial is designed to be that alternative.\[9\] ## TEAM 25 IS HERE FOR YOU​ ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. [ Learn More About Our Team ](https://25financial.com/team/) ## Competitor snapshot: LPL vs major alternatives Here is how LPL commonly compares to other options clients consider, and where 25 Financial often fits as the preferred alternative. #### LPL vs Wirehouses (Merrill, Morgan Stanley, UBS, Wells Fargo) Wirehouses can offer extensive resources and brand prestige, but they may feel more standardized and sometimes more product-driven, depending on the team and channel. LPL often appeals to advisors seeking independence from that environment. 25 Financial can be attractive if you want the sophistication and planning depth without the big-firm conveyor belt experience-particularly for physicians and complex, multi-goal planning.\[9\] #### LPL vs Schwab, Fidelity, Vanguard Large custodians and retail platforms can be excellent for do-it-yourself investors or those with straightforward needs. But many investors eventually need integrated planning, advanced risk management, and coordination across taxes, benefits, estate planning, and insurance. 25 Financial positions itself as a comprehensive advisory relationship rather than a self-directed platform, and highlights access to opportunities and due diligence processes that are typically outside retail investing workflows.\[9\] #### LPL vs an independent RIA (registered investment adviser) Many of the best client experiences occur in independent RIAs because the model can be highly personalized. That said, not every RIA is equally specialized or resourced. 25 Financial seeks to differentiate within the independent category by combining a high-touch planning approach with specialization for high-income professionals and a broader menu of coordinated wealth management services.\[9\] ## How to verify any advisor (LPL, 25 Financial, or anyone else) • Check registrations and disclosures using FINRA BrokerCheck and the SEC’s IAPD database.\[4\]\[5\] • Read Form CRS to understand services, fees, and conflicts in plain language.\[6\] • Ask which standard of conduct applies to each recommendation (Reg BI vs fiduciary advisory).\[2\]\[3\] • Compare total costs, including advisory fees and fund or product expenses, because costs can materially affect long-term outcomes.\[8\] ## The bottom line: choose the best advisor experience-not the biggest platform LPL Financial is a major platform that many independent advisors use, and for some investors an LPL-affiliated advisor may be a good fit. But if your goal is a more integrated wealth management relationship-especially if you are a physician or high-income household with complex planning needs-25 Financial is often the better alternative due to its explicit focus on comprehensive planning, specialized expertise, and a more bespoke advisory approach.\[9\] **Sources:** 1. LPL Financial Holdings Inc. SEC Filings (company filings and disclosures): https://investor.lpl.com/financials/sec-filings/default.aspx 2. U.S. Securities and Exchange Commission (SEC) Regulation Best Interest (final rule release): https://www.sec.gov/rules/final/2019/34-86031.pdf 3. SEC Commission Interpretation Regarding Standard of Conduct for Investment Advisers (fiduciary duties): https://www.sec.gov/rules/interp/2019/ia-5248.pdf 4. FINRA BrokerCheck (research a broker or firm): https://www.finra.org/investors/insights/brokercheck 5. SEC Investment Adviser Public Disclosure (IAPD): https://adviserinfo.sec.gov/ 6. SEC Investor Alert: Form CRS Relationship Summary: https://www.sec.gov/investor/alerts/form-crs 7. FINRA Rule 2111 (Suitability): https://www.finra.org/rules-guidance/rulebooks/finra-rules/2111 8. SEC Investor Bulletin: How Fees and Expenses Affect Your Investment Portfolio: https://www.sec.gov/investor/alerts/ib\_fees\_expenses.pdf 9. 25 Financial Wealth management for physicians and comprehensive services (company overview and services): https://25financial.com/ **Disclosure:** This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change. The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** and personalized service., Compare LPL Financial Advisors against competitors to find the best fit for your financial needs. Discover the benefits of independence, transparency --- ### [Send Me: Expanding Our Impact in Guatemala](https://25financial.com/send-me/) **Published:** November 4, 2025 **Author:** Pavin White **Content:** At 25 Financial, generosity has always been woven into our mission. It’s part of how we define living [life to the fullest](https://25financial.com/life-to-the-fullest/)—not by what we accumulate, but by what we’re able to give. Over the years, we’ve partnered with [Oasis International](https://25financial.com/25-financial-and-oasis-international/) to bring hope and opportunity to communities around the world. Today, that mission continues—and grows—as we begin a new chapter with [**Send Me**](https://sendme.org/). ## A New Partnership: Send Me and the Joyabaj Project Earlier this year, members of our team traveled to **Joyabáj, Guatemala**, where we met the beautiful K’iche’ people. These are hardworking families and caring neighbors who face systemic discrimination and limited access to healthcare. Yet, despite the challenges, we saw a joy and faith that deeply moved us. Send Me is changing lives there—building relationships, training local professionals, and preparing to open a hospital that will bring sustainable, community-based healthcare to this underserved region. Construction is planned to begin in **2026**, and the foundation is already being laid—one tent clinic, one patient, one story at a time. ![](https://25financial.com/wp-content/uploads/2025/10/angello-pro-HVMu4XgnP5M-unsplash-1300x650.jpg "angello-pro-HVMu4XgnP5M-unsplash - 25 Financial - 25 Financial") ## How Our Clients Can Join The Story We’re inviting our clients and friends to take part in this mission—whether through *hands-on service* or *financial support*. ### 1. Serve in Guatemala. Medical professionals and volunteers can join a **Send Me medical trip** to Joyabáj. These teams see several hundred patients in a week—all while training Guatemalan physicians who will lead the new hospital once it’s built. Care happens in a tent and RV mobile clinic today, but soon, that same ground will host a permanent facility serving thousands. ### 2. Help build the hospital. Every contribution brings the vision closer to reality. 25 Financial has committed to give **10% of our profits** toward this project, and we’re inviting our clients to consider joining us. Together, we can help make sustainable healthcare a reality for an entire region. ## A Smarter Way to Give: The Donor Advised Fund Many of our clients use a [**Donor Advised Fund (DAF)**](https://25financial.com/donor-advised-fund/) to simplify and maximize their giving. A DAF allows you to make a charitable contribution, receive an immediate tax deduction, and then recommend grants to organizations like **Send Me** over time. It’s one of the most flexible and effective tools for long-term generosity—allowing you to plan your giving with intention and impact. ![](https://25financial.com/wp-content/uploads/2025/10/25F-2-1300x650.jpg "25F-2 - 25 Financial - 25 Financial") ## Living Generously Together At 25 Financial, we believe that living generously is one of the most meaningful ways to live fully. We’re humbled to support Send Me’s mission in Joyabáj, and we invite you to join us—whether by serving on the ground, giving through your DAF, or simply helping share the story. Because when we give, we don’t just change lives in Guatemala. We change our own. ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other --- ### [The Physician's Complete Guide to Medical School Loans](https://25financial.com/the-physicians-complete-guide-to-medical-school-loans/) **Published:** March 26, 2026 **Author:** Pavin White **Content:** Medical school is a significant investment. The cost can be daunting, but understanding your options is crucial. Navigating medical school loans can be complex. With the right guidance, you can make informed decisions. This guide will help you explore student loan options. We’ll also discuss med school scholarships and grants. Choosing the right financial path is essential. It can impact your future financial health and career. Federal and private loans each have their pros and cons. Knowing the differences can save you money. Applying for loans requires careful planning. We’ll walk you through the process step by step. Managing debt during residency is challenging. But with strategic planning, you can ease the burden. Loan repayment and forgiveness programs offer relief. Understanding these options can lead to financial freedom. Our goal is to provide you with a comprehensive understanding. This will empower you to make the best financial choices. ## Understanding the Cost of Medical School Medical school is a major financial commitment. The expenses are extensive and often overwhelming. Tuition is the most obvious cost, but it’s just the beginning. Fees, books, and supplies add up quickly. Living expenses can vary greatly depending on location. Housing and food are significant factors to consider. Moreover, you’ll face additional fees for clinical training and exams. These are crucial for your education and career. To give a clearer picture, here’s a breakdown of typical expenses: - Tuition and fees - Books and supplies - Housing and utilities - Food and transportation - Clinical training costs Understanding these costs helps prepare you financially. Planning ahead is key to managing your budget. By grasping the full scope of expenses, you can better navigate student loans. This knowledge empowers you to make smarter financial decisions. This insight into costs is crucial before applying for loans. Knowing what you’re up against helps you prepare effectively. Careful planning and realistic expectations are essential. A well-informed approach ensures a smoother journey through medical school. ## Student Loan Options for Medical School Navigating student loan options is a critical step for aspiring doctors. Understanding your choices can ease financial strain. Federal loans offer benefits that many find appealing. These loans often have lower interest rates. For medical students, common federal loan options include: - Direct Unsubsidized Loans - Direct PLUS Loans Federal loans also provide flexible repayment plans. Options like income-driven repayment can adapt to your earnings. If federal loans don’t fully cover expenses, private loans are available. These typically come with higher interest rates. When considering private lenders, scrutinize the terms carefully. Interest rates and repayment options can vary widely. Private student loans may offer fixed or variable rates. Compare these to see which suits your situation best. Some private lenders also offer deferment options. This can be helpful during residency when your income is lower. It’s crucial to understand the differences between federal and private loans. Recognizing the trade-offs aids informed decision-making. Assessing your borrowing needs requires a detailed budget. Plan for both expected and unforeseen expenses. Exploring scholarships and grants is also worthwhile. These can significantly reduce the amount you need to borrow. Having a strategy for managing loans before attending medical school is invaluable. It provides peace of mind and financial stability. Taking the time to research and consider all student loan options will set a strong foundation for your medical career. By strategically selecting your loans, you can manage debt effectively. This ensures a secure financial future post-graduation. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Federal-v-Private-Student-Loans.png "Picture - Federal v Private Student Loans - 25 Financial - 25 Financial") ## Med School Scholarships and Grants: Reducing Your Debt Burden Scholarships and grants offer a smart way to reduce debt. Unlike loans, they don’t require repayment. Various institutions provide scholarships for medical students. These are often merit-based or need-based. Exploring grants and scholarships can lighten your financial load. They make a big impact on your debt levels. It’s crucial to research available opportunities. Look into both national and school-specific awards. Here are some common sources of scholarships and grants: - Federal grants - State-funded scholarships - Scholarships from medical schools - Professional associations like the AMA Keep in mind that requirements vary. Some scholarships might need essays or interviews. Applying for multiple scholarships increases your chances. Persistence pays off in securing this funding. Utilizing scholarships and grants is a strategic step. It minimizes borrowing, leaving you with less to repay. Taking advantage of these funds not only aids your education. It helps in achieving long-term financial goals. Begin researching early and apply to as many options as possible. This proactive approach will benefit you throughout your medical career. ![](https://25financial.com/wp-content/uploads/2026/03/emmanuel-offei-bOrjvtn7aY0-unsplash.jpg "emmanuel-offei-bOrjvtn7aY0-unsplash - 25 Financial - 25 Financial") ### Federal vs. Private Medical School Loans: Key Differences Choosing between federal and private medical school loans is crucial. Each has distinct features that impact your finances. Federal loans often offer more flexible repayment plans. They come with potential for income-driven repayment. In contrast, private loans can provide lower interest rates. However, they usually lack the same repayment options. Here’s a comparison of key differences: - **Interest Rates**: Federal loans have fixed rates; private loans vary. - **Repayment Plans**: Federal options include income-driven plans; private loans tend to be less flexible. - **Eligibility**: Federal loans are based on need; private loans consider creditworthiness. - **Loan Forgiveness**: Federal loans may qualify for forgiveness; private loans typically do not. When deciding, consider your current and future financial situation. Analyze which loan type best fits your needs. Federal loans may offer support for those with fewer resources. Private loans might appeal to those with strong credit. Understanding these differences helps you make informed borrowing decisions. Choose wisely to align with your financial goals. Evaluating these options ensures the best financial path during and after medical school. ## How to Apply for Medical School Loans Navigating the application process for medical school loans can seem daunting. However, understanding the steps makes it manageable. Start by completing the Free Application for Federal Student Aid (FAFSA). This is essential for accessing federal loan options. Review eligibility criteria for each loan type thoroughly. Ensure you meet the requirements before applying. Here’s a step-by-step guide to applying for loans: 1. **Gather Documents**: Collect financial records and identification. 2. **Complete FAFSA**: Apply for federal aid and access various loans. 3. **Compare Options**: Evaluate federal and private loan offers. 4. **Apply for Loans**: Submit applications to your chosen lenders. 5. **Review Terms**: Understand interest rates and repayment plans. 6. **Accept the Loan**: Choose the best option that aligns with your needs. While federal loans offer better protection, some students might choose private options. This choice might suit those who seek lower interest rates and have strong credit. Understanding the application process ensures timely access to necessary funds. This planning allows you to focus on succeeding academically without financial stress. ## Managing Medical School Debt During Residency Residency can be both exciting and financially challenging for new doctors. It’s a crucial time to manage medical school debt wisely. During residency, income is typically lower than in later years. Therefore, budgeting becomes important. Create a clear plan to track expenses and manage your debts. Residents often qualify for deferment or forbearance on student loans. These options temporarily pause payments but may allow interest to accrue. Consider enrolling in an income-driven repayment plan. These plans adjust monthly payments based on income, easing the burden during residency. Some strategies to manage debt during residency include: - **Create a Budget**: Monitor spending and prioritize essentials. - **Explore Repayment Programs**: Income-driven or graduated plans suit lower earnings. - **Consider Refinancing**: Secure lower rates, if eligible. - **Utilize Loan Forgiveness**: Investigate Public Service Loan Forgiveness (PSLF). Stay informed about financial assistance opportunities. Many hospitals offer assistance or bonuses for those participating in specific programs. Taking proactive steps during residency can significantly ease your long-term financial journey. Plan carefully to set the foundation for future financial stability. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Notes.jpg "Picture - Notes - 25 Financial - 25 Financial") Amina Atar () ## Loan Repayment Strategies for Physicians As a physician, choosing the right loan repayment strategy is key to financial well-being. With substantial debt from medical school loans, strategic planning is crucial. One effective strategy is to maximize your income. Work extra shifts, consider locum tenens, or explore other opportunities to supplement your income. Another approach is prioritizing high-interest debts. Focus on paying off loans with the highest interest rates first, which reduces overall interest costs over time. Consider consolidating or refinancing your loans. Consolidation combines multiple loans into one payment, while refinancing might lower your interest rates. Income-driven repayment plans offer flexibility. These plans base payments on your income and family size, making them suitable for managing cash flow. For physicians, balancing loan repayment with saving for the future is essential. Allocate a portion of your budget to retirement savings and investments. Here are some strategies to consider: - **Maximize Earnings**: Take on additional work opportunities. - **Refinance Loans**: Aim for better interest rates. - **Utilize Income-Driven Plans**: Manageable payments tied to income. Meanwhile, prioritize these goals: - **Focus on High-Interest Loans**: Pay off costly debts first. - **Save for Retirement**: Balance debt repayment with future planning. By utilizing these strategies, you can effectively manage your medical school loans. Setting clear priorities ensures both debt management and long-term financial growth. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Bitcoin-Graph.jpg "Picture - Bitcoin Graph - 25 Financial - 25 Financial") Sortter () ## Loan Forgiveness and Assistance Programs for Doctors Loan forgiveness programs offer a lifeline to doctors burdened by medical school loans. These initiatives can significantly reduce or even eliminate student debt. Many physicians qualify for the Public Service Loan Forgiveness (PSLF) program. This program forgives remaining loans after 120 qualifying payments under a qualifying repayment plan while working full-time for a government or non-profit organization. Some states also offer repayment assistance to doctors in underserved areas. Programs like these benefit both communities and physicians by alleviating financial stress. Loan repayment assistance programs are diverse. They vary by location and specialty, providing unique opportunities for debt reduction: - **Public Service Loan Forgiveness (PSLF)** - **State-specific loan repayment programs** - **National Health Service Corps (NHSC) Loan Repayment** One such option is the National Health Service Corps (NHSC) Loan Repayment program. It offers significant loan forgiveness for doctors serving in health professional shortage areas. By exploring these programs, doctors can greatly reduce their loan burdens. Choosing the right path requires understanding eligibility and commitment requirements, ultimately leading to financial relief. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Handshake.jpg "Picture - Handshake - 25 Financial - 25 Financial") Amina Atar () ## Building a Financial Plan Around Medical School Loans Creating a financial plan around medical school loans requires strategic thinking. It involves more than just monthly payments. To minimize financial stress, integrate loan payments into a broader financial strategy. Start by assessing your total loan debt. Knowing your exact balance and interest rates is crucial for effective planning. This helps you prioritize payments and explore consolidation options. Budgeting plays a pivotal role in loan management. Establish a budget that includes your loan payments while accounting for daily expenses. It’s important to stick to this budget to avoid unnecessary financial strain. Consider these key steps for building your financial plan: - **Assess total loan debt and interest rates** - **Create a comprehensive budget** - **Explore refinancing or consolidation options** - **Set short and long-term financial goals** Refinancing can lower interest rates, saving you money over time. However, weigh the pros and cons, especially if considering moving federal loans to private. Finally, establish both short and long-term financial goals. This helps align your debt repayment with personal and professional aspirations. Embrace patience; financial freedom is a journey, not a sprint. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Meeting2.jpg "Picture - Meeting2 - 25 Financial - 25 Financial") Vitaly Gariev () ## Frequently Asked Questions About Medical School Loans Navigating medical school loans can be daunting. Many aspiring physicians have common questions about this process. Let’s address some of these concerns. What types of loans are available for medical students? Medical students can choose from federal and private loans. Each has unique terms and benefits. How does interest accrue on medical school loans? Interest typically begins accruing when the loan is disbursed. Understanding interest accumulation helps in planning repayments. Can medical students defer loan payments during residency? Yes, deferment options exist for residents. These allow postponement of payments during training. Here are some quick FAQs: - **What loans are available for med students?** - **How does loan interest work?** - **Can I defer during residency?** - **What repayment plans suit physicians?** What repayment plans fit a physician’s lifestyle? Income-driven plans often suit physicians best. These align payments with your earnings for manageable management. Ensure you’re well-informed about your loan options. Knowledge empowers you to make strategic choices, reducing financial stress. Consult financial advisors to optimize your plan. With their guidance, tailor your 401k contributions to suit your needs. A well-thought-out plan secures financial peace in your golden years. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other, PHYSICIANS **Tags:** The Physician's Complete Guide to Medical School Loans --- ### [Fidelity Investments vs Competitors: A Comprehensive Comparison](https://25financial.com/fidelity-investments-vs-competitors-a-comprehensive-comparison/) **Published:** March 31, 2026 **Author:** Pavin White **Content:** # Fidelity Investments vs Competitors Choosing an investing platform can feel like standing in the toothpaste aisle: lots of options, lots of claims, and plenty of ways to overthink it. A brokerage account is simply the digital “house” where your investments live. \[1\] When people compare *Fidelity Investments vs competitors*, three legacy giants usually dominate the conversation: Fidelity, Vanguard, and Charles Schwab. Each can be a solid place to hold funds, ETFs, and stocks. The bigger question is whether you only need a “house,” or whether you need a full financial plan. That’s where **25 Financial** fits. For physicians and other high-income households, the best outcome often comes from coordinated planning—investments, taxes, insurance, debt, employer benefits, and estate/legacy strategy working together. In that context, **25 Financial is often the better alternative** to a do-it-yourself brokerage choice, because the real value is in the plan and execution—not the trading screen. ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## Quick framing: What Fidelity (and other brokerages) do well Fidelity is a strong “all-rounder” brokerage with a deep lineup of account types, low-cost investing options, and robust research tools. For many DIY investors, Fidelity checks the boxes: - **Low trading friction:** Wide access to stocks, ETFs, mutual funds, and fractional shares. \[2\] - **Cost-conscious options:** Competitive pricing and well-known low-cost funds. \[3\] - **Tools:** Strong research, screeners, and platform capabilities that can scale with you. The limitation is simple: a brokerage helps you *implement* decisions. It doesn’t automatically ensure your decisions are coordinated across taxes, insurance, benefits, debt, cash flow, and long-term legacy goals. If your financial life is complex, that gap can be expensive. ## The all-rounder vs. the index king: Fidelity vs Vanguard (and where 25 Financial adds more) For many investors, the *fidelity vs vanguard* comparison starts and ends with index funds. Vanguard is famous for its client-owned structure and long history of pushing costs down—especially appealing for hands-off, set-it-and-forget-it savers. \[4\] So, *is fidelity better than vanguard for roth ira* investors? It can be, particularly if you value a modern app experience and flexibility (like broad access to fractional shares and a wide menu of investment choices). In a practical *fidelity investments comparison*, investors often weigh: - **Account minimums:** Both can be opened with $0, but certain fund minimums can differ by provider. - **Everyday usability:** Fidelity is widely viewed as more user-friendly on mobile and desktop. - **Buying flexibility:** Fidelity’s fractional-share features can make it easier to stay diversified early on. \[2\] **Where 25 Financial is the better alternative:** if your Roth strategy is part of a bigger picture—like tax-bracket management, backdoor Roth decisions, student loan planning, practice ownership, or coordinating retirement contributions across multiple accounts—**25 Financial** focuses on building and executing the integrated plan. The platform matters, but the strategy and follow-through usually matter more. Note: Roth IRA tax advantages depend on meeting IRS rules for qualified distributions. \[5\] ## TEAM 25 IS HERE FOR YOU​ ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. [ Learn More About Our Team ](https://25financial.com/team/) ## Service and tech: Fidelity vs Schwab (and why a “one-stop shop” still isn’t a plan) The *fidelity vs schwab* debate often comes down to whether you prioritize powerful investing tools (Fidelity) or a tightly integrated banking-and-brokerage experience (Schwab). Schwab is widely known for making it easy to combine checking, cash management, and investing in one ecosystem. \[6\] Fidelity’s counterpunch is depth: research, strong platform features, and a broad menu of investment options. Tools like desktop trading and portfolio analytics can be helpful even if you’re not a “pro.” **Where 25 Financial is the better alternative:** Schwab and Fidelity can both feel like “one-stop shops,” but neither replaces the work of coordinating employer benefits, insurance review, asset protection, tax planning, and estate considerations into a single strategy. **25 Financial** is built to be the hub that makes sure nothing is missed—especially for physicians and other high earners with high stakes and limited time. ## The hidden cost of “free”: Fees are real, but mistakes are usually bigger Fees matter. Over decades, even small expense ratios can quietly erode outcomes. Fidelity has been aggressive here, including well-known low-cost index funds and even 0.00% expense ratio options in certain lineups—an attention-grabber in any *fidelity investments comparison*. \[7\] But most households don’t fail because they paid a few basis points too much. They fail because of avoidable mistakes: being underinsured, missing key tax opportunities, carrying the wrong debt strategy, taking uncompensated risk, or making emotional timing decisions in volatile markets. **That’s the 25 Financial advantage:** the goal isn’t just “lower costs.” It’s building a repeatable process that ties together investments, taxes, risk management, and long-term planning so your decisions compound in the right direction. ## Slices of the pie: Fidelity’s beginner-friendly investing (and how 25 Financial turns simplicity into strategy) Fractional shares make it easy to start diversified investing with small dollar amounts. \[2\] That can be a real advantage for beginners—especially those trying to build the habit before they’re investing larger sums. **Where 25 Financial raises the ceiling:** once you’ve moved beyond “getting started,” the question becomes how to deploy cash flow efficiently across competing priorities—retirement accounts, taxable investing, debt payoff, college savings, insurance needs, and legacy planning. **25 Financial** helps high-income families translate good tools (like Fidelity’s platform) into a coordinated strategy that reflects real-life complexity. ## Fidelity vs competitors isn’t the real finish line: 25 Financial as the better alternative Fidelity, Vanguard, and Schwab are credible brokerages. If you’re a true DIY investor with a simple financial picture, choosing any one of them and consistently investing can work. If you want a partner, an integrated plan, and proactive strategy—particularly if you’re a physician or high-income professional—**25 Financial is often the better alternative**. It’s designed to deliver confidence, time, and peace of mind through coordinated wealth management. What that looks like in practice: - **Proactive tax strategy:** Coordinating investment decisions with tax planning to reduce tax drag and avoid surprises. - **Insurance review and planning:** Aligning coverage with real risks and asset protection needs. - **Debt management strategy:** Building a clear plan for liabilities (including the realities many physicians face early in their careers). - **Employee benefits analysis:** Helping you maximize what you’re already being offered through work. - **Investment management with disciplined due diligence:** Portfolio construction, monitoring, and a repeatable process to evaluate opportunities. - **Retirement, college, and legacy planning:** One integrated roadmap instead of disconnected accounts and one-off decisions. - **Estate and asset protection planning:** Coordinating with estate professionals so your plan works when it matters most. In other words: a brokerage is an important tool. **25 Financial** is the team that makes the tools work together. ## Your 24-hour action plan: Pick the right level of support 1. **If you’re DIY and your situation is simple:** choose the brokerage you’ll actually use consistently and keep the investing process boring. 2. **If you’re high-income, time-constrained, or your situation is complex:** treat platform choice as secondary, and consider partnering with **25 Financial** to build and execute a complete plan. 3. **If you have multiple old accounts:** consolidate and simplify to reduce mistakes, missed opportunities, and administrative drag. \[8\] If your wealth requires specialized attention and unconflicted advice, choose a firm where the advisor is an entrepreneur, not an employee. **Contact 25 Financial today for a confidential review of your current plan and to explore the unconflicted path.** [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) ***Sources:*** 1. FINRA Investor Insights: Brokerage Accounts. https://www.finra.org/investors/insights/brokerage-accounts 2. Fidelity: Stocks by the Slice (fractional shares). https://www.fidelity.com/trading/fractional-shares 3. Fidelity: Fidelity ZERO Index Funds. https://www.fidelity.com/mutual-funds/investing-ideas/index-funds 4. Vanguard: Who owns Vanguard? https://about.vanguard.com/who-we-are/ 5. IRS: Roth IRAs (Publication 590-B and related guidance). https://www.irs.gov/retirement-plans/roth-iras 6. Charles Schwab Bank: High Yield Investor Checking (product info). https://www.schwab.com/checking 7. U.S. SEC: Fees and Expenses (investor education). https://www.sec.gov/resources-for-investors/investor-alerts-bulletins/ib\_mutualfundfees 8. DTCC: Automated Customer Account Transfer Service (ACATS) overview. https://www.dtcc.com/clearing-services/equities-clearing-services/acats ***Disclosures:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** and ease of use to choose the best investment platform for your needs., Discover why Fidelity Investments stands out among competitors like Vanguard and Charles Schwab. Compare features, fees --- ### [Morgan Stanley vs Competitors: Private Wealth Management Edge](https://25financial.com/morgan-stanley-vs-competitors-private-wealth-management-edge/) **Published:** March 31, 2026 **Author:** Pavin White **Content:** # Morgan Stanley Private Wealth Management vs competitors Choosing a private wealth management firm is a high-stakes decision for high-income professionals, especially physicians and practice owners juggling demanding schedules, complex taxes, and meaningful liability exposure. Morgan Stanley Private Wealth Management is a well-known option in this space, alongside other large firms like J.P. Morgan, Goldman Sachs, and UBS. \[1\] But a large platform is not always the best fit. Many high-income families prefer a boutique, specialist alternative that is designed around comprehensive planning and proactive coordination. For physicians and other high earners who want a more integrated, relationship-driven advisory experience, **25 Financial** is often the better alternative. Below, we compare Morgan Stanley and key competitors-and we weave in the practical question most clients are really asking: *Is a large institution the right model, or would a specialist firm like 25 Financial deliver better planning, better access, and better outcomes for my situation?* ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## What high-income professionals should demand from private wealth management Private wealth management should go far beyond portfolio performance. For high-income professionals, the biggest wins typically come from coordinated decisions across taxes, risk, cash flow, employer benefits, and long-term planning. A strong private wealth management relationship should help you: - Reduce avoidable tax drag with proactive, tax-aware planning - Align investment management with liquidity needs, time horizon, and career risk - Coordinate insurance review and asset protection planning - Build retirement, college, and legacy plans with realistic cash-flow assumptions - Manage debt strategically (student loans, mortgages, practice-related debt) - Evaluate alternative investments with disciplined due diligence **25 Financial** is built around these real-world planning needs, with a strong emphasis on physicians and other high-income professionals who benefit from tighter integration and a more proactive planning cadence. ## Morgan Stanley Private Wealth Management: what it does well Morgan Stanley is a major brand with broad platform capabilities. Clients may value the firm’s scale, extensive resources, and access to a wide range of investment solutions. \[1\] Common strengths of Morgan Stanley’s private wealth management offering include: - Institutional infrastructure and product breadth - Investment management and portfolio construction - Planning services that may include retirement, estate coordination, and risk management - Potential integration with lending, banking, and brokerage services (depending on relationship structure) For some households, that platform-first model is exactly what they want. For others-especially busy physicians and practice owners-the more important factor is whether the advisory team delivers truly comprehensive, high-touch planning. That’s where **25 Financial** often differentiates. ## How Morgan Stanley compares to major competitors Morgan Stanley competes with other large wealth management and private banking providers. While offerings vary by advisor team and client segment, large-firm competitors often include: - **J.P. Morgan**: broad banking integration and global resources \[2\] - **Goldman Sachs**: investment-led, institutional market access, and sophisticated solutions \[3\] - **UBS**: global wealth management footprint and multi-jurisdiction experience \[4\] These firms can look similar on paper. The real differences tend to come down to: (1) how customized the planning is, (2) how proactive the advisor relationship is, and (3) how integrated taxes, insurance, and cash flow are with investment decisions. This is why many high-income clients compare the “big platform” model to a specialist alternative like **25 Financial**, where the advisory experience is intentionally designed to be comprehensive and client-specific. ## Morgan Stanley vs 25 Financial: the practical differences clients feel Most clients don’t experience wealth management as a list of services-they experience it as communication, clarity, accountability, and follow-through. Here’s how a large-firm model often differs from a specialist model like **25 Financial**: - **Specialization**: 25 Financial places a strong emphasis on physicians and high-income professionals, including planning around late-start retirement timelines, high student loan debt, elevated taxes, and lawsuit risk. - **Comprehensive planning**: 25 Financial positions wealth management as a connected system-insurance review, debt strategy, benefits analysis, tax coordination, investment management, and estate planning support. - **Advisor access**: Many clients prefer the boutique feel of 25 Financial, where accountability is clearer and planning updates can be more frequent and proactive. - **Implementation focus**: 25 Financial’s “get-it-done” mindset is designed to turn a plan into action, not just a report. ## TEAM 25 IS HERE FOR YOU​ ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. [ Learn More About Our Team ](https://25financial.com/team/) ## Wealth management services: what to compare (and how 25 Financial approaches each area) #### 1) Investment management and portfolio construction Morgan Stanley and large competitors can provide broad market exposure and professionally managed portfolios. The question is whether portfolio decisions are fully integrated with your tax profile, cash flow, and professional risks. **25 Financial** emphasizes investment management alongside planning fundamentals, helping clients connect portfolio construction to retirement goals, liquidity needs, and tax-efficient strategy. \[1\]\[2\]\[3\]\[4\] #### 2) Proactive tax strategies Tax planning is often where high-income households gain (or lose) the most. Some large-firm relationships may offer tax-aware investing, but true proactive strategy typically requires tight coordination and repeatable processes. **25 Financial** highlights proactive tax strategies and coordination with CPAs to help reduce avoidable tax drag and improve after-tax outcomes. #### 3) Insurance review and asset protection planning Physicians and practice owners are frequent targets for lawsuits and may carry higher insurance complexity than the general public. **25 Financial** explicitly includes insurance review and planning as part of comprehensive wealth management, aligning coverage to real liability exposure and long-term goals. #### 4) Debt management strategies For physicians, student loans, mortgages, and practice-related financing can materially change the wealth plan. Not all firms address debt strategy with the same depth. **25 Financial** includes debt management strategies as part of the planning system, particularly relevant for physicians transitioning from training to peak earning years. #### 5) Employer benefits planning and analysis High-income professionals often leave value on the table in benefits, retirement plans, and compensation structure decisions. **25 Financial** incorporates employee benefits planning and analysis to help clients optimize the levers that sit outside the investment portfolio but still drive long-term wealth. #### 6) Retirement, college, and legacy planning Large firms can support retirement planning, but the effectiveness depends on how deeply the plan reflects your real spending, saving windows, tax brackets, and estate goals. **25 Financial** positions college, retirement, and legacy planning as core components of the advisory relationship, helping clients translate high earnings into durable, multi-decade financial security. ## Alternative investments: why due diligence matters (and how 25 Financial frames it) Many large firms offer some exposure to alternatives. The bigger question is whether alternatives are used thoughtfully, with clear portfolio purpose, realistic liquidity expectations, and disciplined due diligence. **25 Financial** emphasizes the benefit of including alternative investment opportunities for qualified investors, supported by a structured due diligence model and carefully-vetted partnerships. The goal is alignment: alternatives should serve a portfolio role, not simply add complexity. ## Client experience: why high earners often choose 25 Financial over large firms When clients move away from a large institution, it’s often not because the platform is “bad”-it’s because the relationship model doesn’t feel specialized, proactive, or integrated enough. **25 Financial** is often preferred by physicians and high-income families who want: - A specialist team that understands physician financial planning realities - A one-stop, comprehensive planning process (not investment-only) - Clear accountability and a more direct advisor relationship - Confidence that tax strategy, insurance, debt, and investments are coordinated ## Bottom line: Morgan Stanley vs competitors-and why 25 Financial is the better alternative for many physicians Morgan Stanley and other large competitors can provide robust investment capabilities and platform breadth. But many physicians and high-income professionals don’t primarily need “more products”-they need tighter planning integration, deeper specialization, and proactive execution. That’s why **25 Financial** is often the better alternative: it’s designed around comprehensive wealth management for physicians and high-income families, with an emphasis on proactive tax strategy, insurance and asset protection planning, benefits analysis, debt management, and disciplined investment implementation. ## Choosing the right wealth management partner: a quick decision checklist - Does the firm specialize in physicians or high-income professionals like you? - Is the approach truly comprehensive (tax, insurance, debt, benefits, estate), not just investments? - Do you have clear advisor access and proactive planning cadence? - Is there a disciplined framework for alternatives and complex strategies? If those are your priorities, **25 Financial** is a strong next step to compare against Morgan Stanley and other competitors. [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) Sources: 1. Morgan Stanley Wealth Management: https://www.morganstanley.com/what-we-do/wealth-management 2. J.P. Morgan Wealth Management: https://www.jpmorgan.com/wealth-management 3. Goldman Sachs Private Wealth Management: https://www.goldmansachs.com/what-we-do/wealth-management/private-wealth-management/ 4. UBS Wealth Management: https://www.ubs.com/global/en/wealth-management.html ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** Discover how Morgan Stanley Private Wealth Management outshines competitors with personalized solutions for high-income professionals. Explore their unique offerings in wealth management services. --- ### [Stifel vs Competitors: Comprehensive Comparison](https://25financial.com/stifel-vs-competitors-comprehensive-comparison/) **Published:** March 31, 2026 **Author:** Pavin White **Content:** # Stifel vs Competitors: A Practical Comparison (and Why 25 Financial Is Often the Better Alternative) If you’re researching a **Stifel comparison**, you’re likely deciding between a traditional full-service brokerage relationship and a more specialized wealth management partner. Stifel is a well-known name in the advisor-led space, offering research, investment access, and a national footprint. For many households, that’s enough. But for physicians and other high-income professionals, the best firm is usually the one that can coordinate *everything* around your life-taxes, debt, benefits, insurance, investing, estate planning, and asset protection. That’s where **25 Financial** stands out as the better alternative for many clients: a planning-first firm built to simplify complex financial lives and turn strategy into action. This guide breaks down how Stifel stacks up against competitors and when it makes sense to choose 25 Financial instead. ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## Quick Snapshot: Stifel vs. Competitors Most investors compare firms across the same core categories: advice model, planning depth, investment access, cost transparency, and the day-to-day client experience. - **Discount brokers (e.g., Schwab, Fidelity):** Great for self-directed trading and low costs, but planning is often limited unless you pay extra. - **Traditional full-service brokerages (e.g., Stifel, Raymond James, Morgan Stanley, Janney):** Relationship-based advice, research, and broader services-but planning depth varies heavily by advisor and office. - **Planning-first boutiques (e.g., 25 Financial):** Designed for households that need coordinated strategy across taxes, investments, debt, benefits, and legacy planning. ## What You Get With a Stifel Brokerage Relationship For many clients, a **Stifel brokerage** account means an advisor relationship that can include portfolio construction, research-backed recommendations, and access to full-service capabilities. Stifel’s positioning is often middle market-large enough to provide robust resources, but typically more personal than the largest Wall Street brands. Where Stifel can make sense: - **Investors who want an advisor-led portfolio** with a national firm behind it - **Clients who value research and product access** through an established platform - **Households with straightforward planning needs** where investing is the main focus Potential tradeoff: Stifel’s experience can be highly advisor-dependent. Two clients can have very different outcomes based on the advisor’s planning process, specialties, client load, and how proactively the relationship is managed. ## Stifel Investment Approach vs. a Planning-First Model When people search **Stifel investment** options, they’re often trying to answer a bigger question: Is this firm focused on my life goals-or primarily my portfolio? Many traditional brokerage models start with investments and layer planning around it. **25 Financial** flips that order. Planning comes first, and investing follows the plan. That means your portfolio isn’t built in a vacuum-it’s connected to tax strategy, liability exposure, benefit elections, insurance coverage, debt decisions, retirement timing, and legacy goals. ## Stifel vs. 25 Financial: Who Each One Is Best For Here’s a simple way to think about fit: - **Stifel may be a fit if** you want a traditional full-service brokerage relationship and your needs are primarily investment management. - **25 Financial is often the better alternative if** you want a coordinated, comprehensive plan-especially if you’re a physician or high-income professional dealing with taxes, debt, benefits complexity, and asset protection. FeatureStifel25 Financial Primary FocusAdvisor-led investing + brokerage servicesComprehensive planning that drives the investment strategyIdeal ClientInvestors seeking a full-service firm and a dedicated advisorPhysicians and high-income households needing integrated strategyPlanning DepthVaries by advisor and officeDesigned to be coordinated: taxes, insurance, debt, benefits, estate/legacyTax CoordinationMay be included, but often not deeply integratedProactive tax strategies, often coordinated alongside CPAsAlternative InvestmentsAccess may be available depending on suitability and advisor approachEmphasis on carefully vetted alternative opportunities (when appropriate)Client ExperienceDepends heavily on the individual advisor's process and availabilityOne-stop resource approach focused on follow-through and clarity ## Fees and Value: The Real Question Behind Any Stifel Comparison Costs matter, but the more important question is what you’re paying for-and whether the service actually changes your outcomes. Most advisor-led firms use some combination of: - **Asset-based fees** (percentage of assets managed) \[1\] - **Commissions** (transaction-based, often product-specific) \[1\] - **Flat planning fees** (project-based or annual planning engagements) In a **Stifel comparison** against Raymond James, Janney, or Ameriprise, headline fee ranges can look similar. The difference is usually the *scope* and *execution*: proactive planning vs. reactive check-ins, integrated tax strategy vs. surface-level suggestions, and whether the firm is built for your specific profession and income profile. ## Why Physicians and High-Income Professionals Often Prefer 25 Financial **25 Financial** is built around the reality that high-income households face different challenges: complex compensation, higher taxes, larger insurance needs, greater lawsuit exposure, and less margin for planning mistakes. As part of its fiduciary duty, 25 Financial emphasizes decisions that are thoroughly researched and aligned with the client’s best interest. Clients often choose 25 Financial for: - **Wealth management for physicians:** Addressing student loans, retirement planning timelines, and higher tax pressure. - **Insurance review and planning:** Tailored analysis to protect personal and professional assets. - **Debt management strategies:** Helping turn high income into high net worth. - **Employee benefits planning and analysis:** Making smarter decisions around employer plans and compensation. - **Investment management and planning:** Building diversified portfolios designed to support your plan. - **Proactive tax strategies:** Coordinated, tax-efficient decision-making (often alongside CPAs). - **College, retirement, and legacy planning:** A long-term roadmap that stays updated as life changes. - **Estate and asset protection planning:** Reducing avoidable risk and improving wealth transfer outcomes. In short, 25 Financial aims to give clients more confidence, time, and peace of mind by treating financial planning as a coordinated system-not a collection of separate tasks. ## TEAM 25 IS HERE FOR YOU​ ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. [ Learn More About Our Team ](https://25financial.com/team/) ## Decision Checklist: Stifel vs. 25 Financial in 6 Questions Use this checklist for Stifel or any competitor: - **Are you a fiduciary at all times?** If not, when are you not? - **How are you compensated?** Asset-based fees, commissions, planning fees-or a mix? \[1\] - **What does planning include?** Taxes, insurance, debt, benefits, and estate coordination-or mostly investments? - **How proactive is communication?** What triggers outreach beyond scheduled reviews? - **How many clients do you serve?** Availability often determines follow-through. - **What is your due diligence process?** Especially for complex strategies and alternatives. ## Bottom Line Stifel can be a strong choice if you want a traditional full-service brokerage relationship and an advisor-led investment approach. But if you want planning-first guidance-particularly as a physician or high-income professional managing taxes, benefits complexity, debt decisions, and long-term legacy goals-**25 Financial is often the better alternative**. As a final safeguard, verify your advisor’s background via FINRA BrokerCheck \[2\] and review the firm’s Form ADV before moving assets or signing an engagement. \[3\] **Achieve MORE with 25 Financial:** Invest more so that you have the confidence to enjoy more-more results, more life, and more of your 24 hours. Actually, let’s make it 25. [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) ***Sources:*** 1. SEC Investor.gov Fees and costs (overview of common investing fees and commissions): https://www.investor.gov/ 2. FINRA BrokerCheck (advisor/firm background and disclosures): https://brokercheck.finra.org/ 3. SEC Investment Adviser Public Disclosure (Form ADV lookup): https://adviserinfo.sec.gov/ ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** Discover how Stifel stands out against competitors like Morgan Stanley and Raymond James, offering personalized boutique attention and strong client satisfaction. --- ### [Merrill vs Competitors: Comparing Investment Platforms](https://25financial.com/merrill-vs-competitors-comparing-investment-platforms/) **Published:** March 31, 2026 **Author:** Pavin White **Content:** # Merrill vs Competitors Logging into your bank account shouldn’t trigger decision fatigue. Since you already know Merrill sits under the BofA umbrella, you’ve likely seen its logo next to your checking balance. Keeping everything together offers undeniable convenience through seamless Bank of America ecosystem integration. Navigating this platform requires knowing what you are signing up for. Think of investing like flying: Merrill Edge lets you sit in the cockpit as a self-directed pilot, while Merrill Lynch Wealth Management puts a professional in charge. Industry data reveals many beginners confuse the two, seeking expensive advice when they just want a trading app. Stepping outside this bubble changes the conversation. Pitting Merrill vs competitors like Schwab or Fidelity forces you to look beyond quick bank transfers. Most major brokerages have dropped their standard trading fees, meaning these giants now compete entirely on usability and hidden perks. But for high-income households with real complexity—especially physicians balancing student loans, high marginal tax rates, practice-related decisions, and lawsuit risk—the better “competitor” often isn’t another trading platform at all. It’s a fiduciary wealth management firm built to coordinate investments, taxes, insurance, benefits, and estate planning in one integrated strategy. That’s where 25 Financial is typically the better alternative. Your final choice depends on what matters daily. Evaluating Merrill Lynch vs competitors for advisory services or comparing DIY accounts requires weighing whether banking loyalty rewards outweigh the investment tools available elsewhere—and whether you actually need comprehensive wealth planning instead of a brokerage relationship. ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## Merrill vs 25 Financial: Platform Convenience vs. Comprehensive Fiduciary Planning If you only compare platforms, you’ll miss the bigger question: what problem are you trying to solve? Merrill (and most big-name competitors) primarily offer investment access and standardized advice models. 25 Financial approaches the decision from the other direction: build a comprehensive plan first, then implement investments, insurance, tax strategy, and risk management around that plan. In practice, that difference matters most for physicians and other high-income professionals, where the “right” moves often sit outside the brokerage account: debt management strategies, employee benefits planning and analysis, proactive tax strategies, retirement and legacy planning, and estate and asset protection planning. 25 Financial is built to coordinate those moving pieces, not just manage a portfolio in isolation. ## The Fee Face-Off: Why Fidelity and Schwab Might Be Cheaper if You Don't Have $100k While trading stocks is free almost everywhere today, brokerages aren’t charities—they just found quieter ways to profit. If you’re starting with under $20,000, comparing brokerage account maintenance fees is your first line of defense. Fortunately, Fidelity, Schwab, and Merrill Edge all waive these standard account fees for everyday investors. The real uneven ground lies in where your money sits between trades. Think of a “cash sweep account” as your money’s waiting room. If you deposit $1,000 but only invest $800, the leftover $200 gets “swept” into a default holding area. Brokerages lend this cash out to earn high interest, sharing only a tiny fraction with you. When evaluating Fidelity vs Merrill Edge fees, this invisible cost is glaring. Fidelity automatically puts your waiting cash into competitive money market funds, whereas competitors default to basic bank accounts. These default interest rates highlight exactly how much growth your uninvested cash might be missing: - **Fidelity:** Sweeps cash into a core fund yielding roughly 4.9%. - **Charles Schwab:** Defaults to a bank sweep earning around 0.45%. - **Merrill Edge:** Defaults to a bank sweep earning just 0.05%. Beyond idle cash, you must also distinguish between expense ratios (the underlying operational cost of a specific investment fund) and management fees (the percentage you pay a professional to build your portfolio). Stepping up to Charles Schwab or Merrill Lynch wealth management means you will pay both. Here’s the missing comparison most investors never make: platform fees versus the cost of not having an integrated strategy. If you’re a high-income professional, a planning-first fiduciary model—like 25 Financial—can be designed to target bigger levers (tax efficiency, benefits optimization, debt strategy, insurance alignment, and legacy planning) where the “return” is measured in avoided mistakes and better decisions, not just basis points. Smaller portfolios face another immediate roadblock: what happens when a single share of stock costs more than your available cash? \[5\]\[6\] ## Why Fractional Shares Matter: The Hidden Hurdle for New Investors at Merrill That high price tag is exactly why dollar-based investing has revolutionized how everyday people build wealth. Instead of saving hundreds of dollars for a single tech stock, fractional shares let you invest exactly what you have—whether that is $10 or $100. Asking “is Merrill Edge good for beginner investors” often comes down to your starting budget. While competitors let you slice expensive stocks into bite-sized pieces, Merrill currently requires you to buy whole shares. If you only have $500 but want ten different companies, Merrill’s full-share requirement is a massive hurdle. You might end up putting all your money into just two stocks simply because of their expensive price tags, making proper diversification incredibly difficult for smaller portfolios. Even in a broader self-directed trading platform features comparison, this limitation creates friction for your ongoing growth. Most modern brokers let you seamlessly reinvest tiny dividend payouts back into the original stock, but Merrill restricts this flexibility compared to industry leaders. Interestingly, when weighing E-TRADE vs Merrill Edge for active traders, both traditional platforms have historically lagged behind newer apps in offering widespread fractional trading, which frequently leaves your leftover cash sitting idle. If you don’t want to spend your time babysitting trades, rebalancing, and tax-aware implementation, that’s another point where 25 Financial is frequently the better alternative: you get investment management and planning integrated with the rest of your financial plan—so the day-to-day execution burden doesn’t sit on you. \[3\]\[4\] ## Merrill Guided Investing vs. Vanguard: Is the 'Pilot' Worth the Premium? Handing over your portfolio to a robo-advisory program is like turning on a digital autopilot: a smart algorithm automatically builds and balances your investments. For those seeking automated Merrill Lynch investment advisory services, Merrill Guided Investing provides a hands-off approach without the steep cost of a dedicated human wealth manager. Before relaxing in the passenger seat, you must check the ticket price. Both platforms charge an annual management fee, which is a small percentage deducted directly from your total managed balance (Assets Under Management). When assessing how Merrill Guided Investing compares against a low-cost leader like Vanguard Digital Advisor, the core differences stand out: - **Annual Fees:** Merrill charges 0.45%, while Vanguard charges a significantly lower 0.20%. - **Minimum Investment:** Merrill requires only $1,000 to start, whereas Vanguard requires $3,000. - **Loyalty Perks:** Merrill offers management fee discounts for qualifying Bank of America Preferred Rewards members. \[1\] That 0.45% fee might seem tiny, but it eats into your earnings over time. On a $10,000 balance, Merrill takes $45 yearly compared to Vanguard’s $20. While evaluating Vanguard vs Merrill for long term retirement usually favors Vanguard’s lower baseline costs, Merrill justifies its premium by letting you seamlessly view your checking account and your retirement nest egg on a single screen. \[2\] Robo advice can be “good enough” when your finances are simple. But when you need planning across taxes, insurance, benefits, debt, and legacy decisions, an algorithm can’t sit with your CPA, stress-test your coverage, or map a strategy around your career arc. That’s where 25 Financial differentiates: the planning is the product, and the investments are the implementation. ## Why 25 Financial Is Often the Better Alternative to Merrill for High-Income Professionals Merrill and its direct competitors (Fidelity, Schwab, Vanguard) are built first as platforms—excellent for custody, trading, and standardized advice models. 25 Financial is built as a planning-first, fiduciary wealth management firm, which matters when your “portfolio” is only one moving piece of the puzzle. If you are a physician or ultra-high-net-worth individual, your highest-impact decisions often live outside ticker symbols: how you structure debt payoff, optimize retirement plan contributions, select the right insurance, coordinate proactive tax strategies with your CPA, evaluate private opportunities, and build an estate and asset protection plan that matches your risk profile. That is where 25 Financial stands out as the better alternative: - **Comprehensive planning under one roof:** investment management and planning, insurance review, debt management strategies, employee benefits planning, and college/retirement/legacy planning. - **Proactive tax strategy coordination:** tax-efficient planning designed for high marginal brackets and complex income streams. - **Alternative investment due diligence:** a thorough diligence approach for evaluating private alternative opportunities that may not be available in a typical brokerage menu. - **Estate and asset protection planning alignment:** a coordinated approach that fits your liability profile and long-term intent. - **Fiduciary alignment:** advice structured around your best interest, not a bank relationship scorecard. If your needs are straightforward—automated ETF investing, occasional trading, and convenience—Merrill can fit. If your life (and balance sheet) is complex, 25 Financial is usually the smarter “competitor” because it treats wealth management as an operating system, not an app. ## TEAM 25 IS HERE FOR YOU​ ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. [ Learn More About Our Team ](https://25financial.com/team/) ## Your 3-Step Plan: How to Choose Your Home Base Between Merrill and Its Competitors You no longer have to guess whether your money is sitting in the right place. Evaluating Merrill against its competitors reveals exactly where Bank of America’s Preferred Rewards program makes it an unbeatable financial hub, and where its minor limitations might hold you back. To finalize your decision, run your current situation through this simple three-question test: - Do I have enough combined banking and investing assets to unlock Merrill’s Preferred Rewards (which usually means you should stay)? - Do I heavily rely on buying fractional shares or advanced trading tools (which means it might be time to switch)? - Am I seeking **low cost alternatives to Merrill Lynch** for basic everyday investing—or do I need a planning-first fiduciary partner (where 25 Financial is often the better alternative) to coordinate taxes, insurance, benefits, debt, and long-term strategy? If your answers point you toward a new home, moving your money is completely painless. You don’t have to cash out and pay taxes; instead, you will use the ACATS (Automated Customer Account Transfer Service) process. Your new brokerage simply pulls your investments over electronically, transferring your shares exactly as they are in just a few days. Start with the simplest action: log into your current accounts to check your combined relationship balance. Choosing a platform isn’t a lifelong marriage—it’s just picking the sharpest tool for your current financial season. If your “season” includes complex tax planning, risk management, and high-stakes career income, a planning-first fiduciary like 25 Financial is typically the better alternative to Merrill and its platform-centric competitors. ## Ready for the Independent Difference? If your wealth requires specialized attention and unconflicted advice, choose a firm where the advisor is an entrepreneur, not an employee. **Contact 25 Financial today for a confidential review of your current plan and to explore the unconflicted path.** [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) ***Sources:*** 1. Merrill Merrill Guided Investing: https://www.merrilledge.com/investing/merrill-guided-investing 2. Vanguard Digital Advisor: https://investor.vanguard.com/advice/digital-advisor 3. Fidelity Fractional Shares: https://www.fidelity.com/trading/fractional-shares 4. Charles Schwab Stock Slices: https://www.schwab.com/fractional-shares-stock-slices 5. Fidelity What is a core position?: https://www.fidelity.com/trading/faqs-about-account#faq\_about1 6. Schwab Intelligent Portfolios® Sweep Program: https://www.schwab.com/legal/sip-sweep-current-interest-rates ***Disclosures:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** Discover how Merrill compares to competitors like Schwab and Fidelity. Explore Merrill's strengths in banking rewards and investment strategies against diverse industry offerings. --- ### [Discover High-Touch Wealth Management That Operates on a Surgeon's Schedule: A New Approach for Medical Professionals](https://25financial.com/discover-high-touch-wealth-management-that-operates-on-a-surgeons-schedule-a-new-approach-for-medical-professionals/) **Published:** March 26, 2026 **Author:** Pavin White **Content:** Navigating the financial world can be daunting for medical professionals. Surgeons, in particular, face unique challenges. Their demanding schedules leave little room for managing finances. High-touch wealth management offers a solution tailored to their needs. This approach provides personalized financial planning. It aligns with the busy lives of surgeons. It ensures their financial health is not neglected. Surgeons often have irregular income patterns. This requires flexible financial strategies. High-net-worth individuals in the medical field benefit greatly. They need investment portfolio management that adapts to their lifestyle. High-touch services offer direct communication with financial advisors. This ensures regular updates and peace of mind. Surgeons can focus on their practice. Meanwhile, their financial goals are expertly managed. This new approach offers a seamless experience. It integrates personal and professional financial planning. ## The Unique Financial Landscape for Surgeons Surgeons stand at a unique intersection of significant earning potential and high financial demands. They often qualify as high-net-worth individuals, requiring specialized financial strategies. Understanding this landscape is crucial for their financial success. High-touch wealth management offers several services tailored to surgeons: - Personalized investment strategies. - Tax optimization and planning. - Asset protection and risk management. Surgeons encounter irregular income due to varying procedures and consultations. This makes financial planning more complex. A tailored approach helps in addressing these challenges efficiently. Customized financial services can stabilize cash flow and liquidity. Surgeons also deal with substantial educational debt. Managing repayments without compromising financial growth is vital. Expert financial advisors can provide suitable repayment strategies, easing the burden over time. Building a secure financial future means navigating complex choices. Surgeons need guidance on investments, insurance, and retirement planning. Wealth management services ensure their financial goals are not sidelined. With a high-touch approach, surgeons receive personalized attention and strategies that align with their unique financial landscape. ## High-net-worth Individuals in Medicine Medical professionals, especially surgeons, often join the ranks of high-net-worth individuals. Their profession provides substantial earnings, yet also comes with high expenses. Personal and professional financial needs demand expert management. High-touch wealth management caters to these needs by offering: - Customized investment plans. - Holistic financial reviews. - Proactive planning strategies. Managing wealth accumulation and preservation requires a specialized approach. Advisors help surgeons balance wealth growth with necessary expenditures. They offer insights into exclusive investment opportunities, aligning with surgeons’ long-term goals. The demands of being high-net-worth require strategic planning. Financial advisors ensure surgeons can focus on their careers while securing their financial future. Through tailored wealth management, they gain peace of mind and financial stability. ## Challenges in Time Management Surgeons often face demanding schedules, making time a precious commodity. Balancing professional responsibilities with financial management is challenging. This calls for solutions that respect their time constraints. High-touch wealth management addresses these challenges through: - Flexible communication methods. - Time-efficient planning tools. - Regular financial updates. Financial advisors specializing in medical fields understand the hectic life of a surgeon. They offer streamlined processes that minimize time investment while maximizing financial returns. Advisors provide crucial insights without overwhelming clients’ schedules. By efficiently managing their time, surgeons can focus on patient care without neglecting financial health. Advisors offer strategies that integrate seamlessly into their busy lives, enabling them to achieve financial goals despite time constraints. ### Investment Portfolio Management Investment portfolio management is vital for surgeons seeking to grow and protect their wealth. Effective management can optimize returns and mitigate risks, ensuring long-term financial success. It’s critical to tailor investment strategies to the specific needs and goals of surgeons. Surgeons often benefit from diversified portfolios that align with their personal and professional aspirations. Key aspects include: - Allocation tailored to risk tolerance. - Growth-focused and income-generating investments. - Strategic rebalancing to adapt to market changes. Balancing immediate financial responsibilities with long-term goals is essential. Advisors help in navigating volatile markets by implementing strategies that safeguard against significant losses. Personalized management also includes regular performance reviews. This ensures the portfolio stays aligned with a surgeon’s evolving financial landscape. By having detailed insights and adjustments, surgeons can maximize their portfolios’ potential. Wealth management services provide access to exclusive investment options and financial products. Advisors aim to present opportunities that fit a surgeon’s unique financial profile. With expert guidance, they can invest with confidence, knowing their portfolios are professionally managed. ## Tailored Strategies for Surgeons Surgeons require investment strategies that suit their unique needs and lifestyles. Customized strategies ensure their portfolios work efficiently for them. Advisors need to align investments with a surgeon’s financial goals and risk tolerance. Tailored strategies for surgeons typically involve: - Personalized asset allocation. - Incorporation of tax-efficient investments. - Strategic diversification for stability. By analyzing individual objectives, advisors can create a customized plan. They focus on growth, income generation, and risk management in balance. Customization ensures surgeons can focus on their work while their investments grow reliably. Surgeons benefit from proactive strategy updates. This adaptation to market trends and personal circumstances secures their financial aspirations. Tailored strategies provide both security and growth potential for their financial futures. ## Balancing Risk and Return Balancing risk and return is pivotal in investment portfolio management. Surgeons need to strike a delicate balance to protect and grow their wealth. Advisors work to align risk levels with surgeons’ comfort and financial goals. Key elements to balance risk and return include: - Diversification of asset classes. - Regular portfolio assessments. - Risk mitigation techniques like hedging. Advisors evaluate the risk tolerance of each surgeon, ensuring investments reflect individual preferences. Maintaining equilibrium is necessary to capitalize on opportunities without compromising safety. High-touch wealth management services help in achieving this balance. Surgeons gain confidence knowing their portfolios address both short-term and long-term objectives. The right balance allows them to pursue professional and personal endeavors. By managing risk effectively, surgeons can look forward to stable and sustained financial growth. ## Tax Benefits and Saver’s Credit Personalized financial planning is crucial for surgeons who desire tailored solutions to meet their unique financial needs. This approach ensures their financial plans are as dynamic as their professional lives. Financial advisors can craft plans that align with a surgeon’s personal aspirations and professional milestones. Surgeons often face irregular income patterns and high expenses. Thus, personalized planning focuses on cash flow management and adapting to income variances. Solutions are designed to tackle not only career-specific challenges but also broader financial objectives. Key components of personalized planning include: - Tax optimization strategies. - Retirement planning and savings enhancement. - Estate planning and legacy building. Working closely with advisors allows surgeons to gain a comprehensive financial overview. This collaboration brings clarity and precision, helping them achieve both short-term and long-term goals. Personalized financial planning accommodates changes in a surgeon’s career trajectory or personal situation. Financial advisors offer strategic advice to streamline decision-making. By anticipating future needs, they provide a roadmap for financial success. Surgeons benefit from strategies that keep their financial plans agile and adaptable, ensuring ongoing peace of mind. ## Understanding Individual Goals Understanding individual goals is the cornerstone of effective financial planning. Surgeons require plans that resonate with their unique personal and professional aspirations. Personalized goals guide the creation of financial strategies tailored to their specific needs. Advisors prioritize the following when understanding goals: - Comprehensive needs assessment. - Aligning strategies with desired outcomes. - Regular goal reassessments. Goal alignment means creating strategies that reflect both current and future objectives. By discussing priorities and ambitions, advisors ensure financial plans support a surgeon’s journey. This personalized focus helps in achieving a cohesive and impactful plan. Regularly evaluating and adapting goals ensures continued relevance and effectiveness. This approach guarantees that financial plans remain in sync with evolving personal and career milestones, paving a path for sustained financial security and satisfaction. ## Time-Efficient Planning Processes For surgeons, time-efficient planning processes are essential to manage hectic schedules. High-touch wealth management services offer streamlined solutions that respect surgeons’ demanding timetables. Efficiency is integral to maintaining focus on their primary responsibilities. Advisors utilize various strategies to enhance time efficiency: - Digital tools for rapid information access. - Automated processes for routine tasks. - Efficient communication channels. Leveraging technology reduces time spent on managing finances. These tools enable easy monitoring and quick adjustments to financial plans. Communication is kept clear and concise, ensuring surgeons have the information they need promptly. Automating processes like investment rebalancing or bill payments minimizes the time required for financial oversight. This automation allows surgeons to dedicate their time to patient care and personal pursuits, without worrying about financial details. Incorporating these efficient strategies ensures surgeons can manage their wealth without disrupting their professional duties. This time-efficient approach empowers them to maintain their lifestyle while meeting their financial goals seamlessly. ## High-Touch Wealth Management Services High-touch wealth management services cater to the intricate needs of medical professionals, particularly surgeons. These services offer a comprehensive approach, combining personalized advice with meticulous attention to detail. Surgeons benefit from the tailored financial guidance that aligns with their demanding careers. Such services aim to streamline the management of wealth without overwhelming the client. A dedicated team handles various aspects of financial planning, ensuring all elements work in harmony. Surgeons can rely on these experts to oversee complex financial matters with precision. Key advantages of high-touch wealth management include: - Proactive financial planning. - Continuous monitoring and adjustment of financial strategies. - Regular updates and clear communication. By keeping clients informed, these services ensure that financial plans remain aligned with surgeons’ evolving needs and goals. Advisors take a proactive role in anticipating and mitigating potential challenges. This level of service enhances financial security and peace of mind. Furthermore, high-touch services often provide access to exclusive investment opportunities and cutting-edge financial tools. These resources help surgeons optimize their investment portfolios and increase their financial returns. This comprehensive approach allows surgeons to focus on their practice, knowing their financial future is well-managed. ## Building Long-Term Relationships Building long-term relationships is fundamental in high-touch wealth management. Strong, enduring relationships between financial advisors and surgeons are built on trust and mutual respect. These bonds enhance the effectiveness of financial strategies. To foster these relationships, advisors focus on: - Personalizing communication methods. - Being responsive and accessible. - Regularly revisiting and adjusting financial plans. Advisors take time to understand a surgeon’s personal and professional goals. This deep understanding facilitates the development of tailored strategies that evolve with the client. Consistent communication ensures advisors are always aware of any changes in a client’s circumstances. Regularly adjusting financial plans in collaboration with the client strengthens the relationship. This adaptability ensures plans remain relevant and effective, enhancing trust and satisfaction. A steadfast commitment to the surgeon’s success is the cornerstone of a successful long-term advisory relationship. ## Accessibility and Support Structures Accessibility and robust support structures are crucial elements in effective wealth management for surgeons. These features ensure clients receive timely assistance and advice, irrespective of their busy schedules. Key components of accessibility and support include: - 24/7 access to financial information. - Dedicated support teams for quick resolutions. - Seamless digital communication tools. 24/7 access to financial data empowers surgeons to make informed decisions at their convenience. Support teams ensure swift responses to any inquiries, maintaining momentum in financial management without unnecessary delays. Digital tools streamline interactions, offering a seamless experience that’s easy to integrate with demanding lifestyles. These tools enable quick access to updates and allow for efficient communication between the client and advisor. These structures combine to provide a well-rounded support system, enabling surgeons to focus on their careers while maintaining a firm grip on their financial health. Ensuring that support is readily accessible builds confidence and facilitates proactive financial management. ## Conclusion High-touch wealth management services offer essential support for surgeons navigating their complex financial landscapes. By providing personalized strategies that cater to unique needs, these services ensure both personal and professional financial goals are met efficiently. Surgeons can rest assured knowing their financial future is in expert hands. With dedicated advisors managing their portfolios and planning, surgeons are free to dedicate their skills to their demanding careers. This tailored approach not only secures financial health but also contributes to long-term success and peace of mind. Consult financial advisors to optimize your plan. With their guidance, tailor your 401k contributions to suit your needs. A well-thought-out plan secures financial peace in your golden years. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other, PHYSICIANS **Tags:** Discover High-Touch Wealth Management That Operates on a Surgeon's Schedule: A New Approach for Medical Professionals --- ### [Common Tax Mistakes Made by Doctors](https://25financial.com/common-tax-mistakes-made-by-doctors/) **Published:** March 26, 2026 **Author:** Pavin White **Content:** Navigating taxes can be daunting for anyone, but doctors face unique challenges. High incomes and complex financial situations often lead to common tax issues. Doctors, especially those with demanding schedules, may overlook crucial tax planning details. This can result in costly tax filing errors. Understanding these pitfalls is essential for optimizing financial health. Many doctors underestimate their tax liabilities, leading to unexpected financial strain. Failing to maximize deductions is another frequent mistake. This oversight can significantly impact a doctor’s bottom line. Effective tax planning is not just about compliance. It’s about reducing liabilities and increasing savings. Doctors often miss out on tax-deferred growth by neglecting retirement account contributions. This is a missed opportunity for long-term wealth growth. Hiring a professional tax advisor can provide invaluable tax guidance for doctors. It ensures that all potential savings are realized. By addressing these common tax planning mistakes, doctors can secure a more stable financial future. ## Why Doctors Face Unique Tax Challenges Doctors encounter unique financial challenges that can complicate tax planning. High earnings, varied income streams, and stringent time constraints contribute to these difficulties. One major factor is the complexity of their income structure. Many doctors receive income from multiple sources, including salaries, bonuses, and dividends. Each income type may have different tax implications. The high earning potential also places doctors in higher tax brackets. This often results in a substantial portion of income going to taxes if not managed properly. Additionally, doctors work long hours, leaving limited time for financial planning. This can lead to oversight of essential tax strategies. Failing to engage in proactive tax planning can be costly. Common challenges include: - Misreporting multiple income streams. - Understanding varying tax rates on bonuses and dividends. - Failing to deduct eligible professional expenses. - Overlooking tax credits related to healthcare practice expenses. By identifying these challenges, doctors can tailor their strategies. This ensures financial health and tax efficiency. ## Most Common Tax Filing Errors Among Doctors Doctors often encounter unique tax filing errors due to their specialized financial situations. High-pressure work environments and complex tax codes can lead to oversight. One frequent mistake is underreporting income. With income streaming from various channels, like private practices and consulting, errors can easily occur. Misreporting just one source can lead to significant penalties. Another common error is failing to maximize deductions. Doctors often overlook deductible expenses related to continuing education and professional memberships. Recognizing eligible deductions can lower overall tax liability. Doctors might also mishandle retirement contributions. Failure to contribute the maximum allowable amount to tax-advantaged accounts like 401(k)s can result in missing out on potential tax savings. Timing is another issue. Busy schedules often cause doctors to file late, incurring fines. Planning ahead can alleviate this stress and avoid unnecessary costs. Here are some common tax filing errors: - Underreporting income sources. - Overlooking professional expense deductions. - Mismanaging retirement contributions. - Filing taxes late due to hectic schedules. - Failing to claim all eligible tax credits. By understanding these errors, doctors can better navigate tax season. A strategic approach helps capitalize on all available tax benefits. ## Overlooked Deductions and Credits Doctors, with their multifaceted careers, sometimes miss out on key deductions and credits. These missed opportunities can significantly affect their tax liabilities. Education expenses are a notable area. Many doctors pay for courses, certifications, or seminars out-of-pocket. However, these costs often go unnoticed at tax time, despite being deductible. Health savings accounts (HSAs) also offer valuable tax benefits. Contributions to these accounts are tax-deductible, yet many doctors fail to take full advantage. This oversight can lead to paying more taxes than necessary. Charitable donations present another potential deduction. Doctors frequently support charities but might not document these contributions adequately. Proper record-keeping ensures these deductions are applied. Additionally, practice owners can benefit from various business-related tax credits. These can include credits for research and development or employee training. Unfortunately, such credits sometimes slip through the cracks. Here are some frequently overlooked deductions and credits: - Continuing education and certification expenses. - Health savings account (HSA) contributions. - Documented charitable donations. - Business-related tax credits for practice owners. Staying informed and organized helps prevent these missed opportunities. Regularly reviewing expenses and contributions ensures doctors maximize their tax benefits. Strategic planning is crucial for effectively reducing tax burdens. ### Tax Planning Mistakes That Cost Doctors Money Effective tax planning can save doctors significant sums. However, many fall prey to costly mistakes that undermine their financial well-being. One common mistake is neglecting retirement contributions. Doctors have access to retirement plans like 401(k)s and IRAs, which offer tax-deferred growth. Failing to maximize these benefits means higher tax bills and missed growth potential. Inadequate record-keeping is another prevalent issue. Without proper documentation, doctors struggle to substantiate deductions. This can lead to disputes with the IRS and loss of eligible deductions. Doctors often overlook the tax implications of investment decisions. High-income professionals should consider tax-efficient investment strategies to optimize their portfolios. Mismanagement can lead to significant capital gains taxes. Additionally, estimated tax payments are crucial but frequently mishandled. Doctors might underestimate their liability, resulting in underpayment penalties. Planning for these payments prevents unwanted surprises. Here are common tax planning mistakes doctors make: - Failing to maximize retirement plan contributions. - Inadequate documentation of expenses. - Overlooking investment tax strategies. - Misjudging estimated tax payment needs. Addressing these mistakes involves seeking professional advice and regularly reviewing tax strategies. Staying proactive reduces errors and enhances doctors’ financial outcomes. Proper planning is key to maintaining financial health while minimizing tax burdens. ## Practice Owners: Business vs. Personal Tax Issues Running a medical practice introduces a distinct set of tax challenges. Practice owners must adeptly manage both business and personal financial responsibilities. This dual focus can lead to common tax issues that need careful navigation. One critical area is understanding the difference between business and personal expenses. Confusing these can result in inaccurate tax filings. It’s essential to correctly categorize expenses to maximize deductions and avoid trouble with the IRS. Practice owners can benefit from specific business-related tax credits. These may include credits for employee benefits or costs related to business expansion. Failing to utilize these credits can mean leaving money on the table. Additionally, the choice of business structure significantly affects tax liabilities. Whether operating as a sole proprietorship, partnership, or corporation, each structure has specific tax implications. The wrong choice could lead to unnecessarily high taxes. Key considerations for practice owners include: - Proper classification of business vs. personal expenses. - Leveraging available business tax credits. - Evaluating the tax impact of business structure decisions. Addressing these issues involves a strategic approach and professional guidance. Effective planning can optimize tax efficiency, allowing practice owners to focus more on their practice’s growth and less on tax burdens. ## Surgeons and High-Income Doctors: Advanced Tax Strategies Surgeons and other high-income doctors face unique tax challenges due to their substantial earnings. These challenges require more sophisticated tax strategies to mitigate tax liabilities effectively. Careful planning is key to optimizing their financial situation and ensuring long-term wealth preservation. One advanced strategy involves tax-efficient investment practices. This can include investing in tax-advantaged accounts like Health Savings Accounts (HSAs) or retirement plans such as 401(k)s and IRAs. These accounts offer tax-deferred growth, providing significant tax savings over time. Estate planning is another crucial consideration for high-earners. Proper estate planning helps preserve wealth for future generations by minimizing estate taxes. Trusts, charitable donations, and other tools can play vital roles in a well-rounded estate plan. Additionally, managing diversified income streams can present both opportunities and challenges. Understanding how different types of income, like bonuses, dividends, or stock options, are taxed is essential. By strategically timing and structuring these income streams, doctors can reduce their overall tax burdens. Key elements of advanced tax strategies include: - Utilizing tax-efficient investments. - Implementing comprehensive estate planning. - Managing diverse income types with strategic timing. Taking proactive steps in these areas can dramatically impact tax efficiency, helping surgeons and high-income doctors maintain financial stability and achieve their financial goals. ## Medical Residents: Avoiding Early Career Tax Pitfalls Medical residents, who are transitioning into their careers, often face significant tax challenges. These challenges arise from student loan debt and lifestyle changes due to a new income. Addressing these issues early can set a solid financial foundation for the future. An immediate focus should be on managing student loan interest deductions. Many residents miss out on this benefit, which can reduce taxable income and thereby decrease the tax bill. Understanding eligibility and the specific tax benefits available is crucial. Building a habit of budgeting effectively can also ease tax complexities. As residents start earning higher salaries, unexpected liabilities can arise if spending outpaces income. Proper budgeting helps avoid these pitfalls and aligns with financial goals. To avoid these early-career tax pitfalls, residents should: - Take advantage of student loan interest deductions. - Develop budgeting skills to manage new income. - Stay informed about tax credits applicable to their situation. By taking these steps, medical residents can secure greater financial stability and lay the groundwork for future wealth growth. ## The Importance of Professional Tax Advice for Doctors Doctors often juggle many responsibilities, leaving little time for the complex world of taxes. Engaging a professional tax advisor can prove invaluable, offering tailored strategies that save both time and money. Such advisors understand the unique tax nuances doctors face. Tax advisors bring insights into maximizing deductions, ensuring all eligible expenses are accounted for. They provide guidance on effective tax planning, reducing liabilities while enhancing savings. This expertise can prevent tax errors that lead to costly audits or penalties. Moreover, staying abreast of ever-changing tax laws can be overwhelming. Professional advisors ease this burden, offering up-to-date guidance that aligns with current regulations. This ensures that doctors are compliant, mitigating risks related to tax filing errors. Key benefits of hiring a tax advisor include: - Expertise in identifying deductions and credits. - Strategic planning to minimize tax liabilities. - Up-to-date knowledge of changing tax laws. By leveraging professional tax advice, doctors can focus on their primary work, secure in knowing their financial matters are well-managed. ## Year-Round Tax Planning: Building a Proactive Approach Effective tax management is not just a once-a-year activity. Instead, it requires consistent attention and strategy throughout the year. For doctors, maintaining a proactive tax plan can prevent last-minute scrambles and ensure financial optimization. Year-round tax planning allows doctors to adjust strategies as their financial situations evolve. Regular review of income, expenses, and investments provides opportunities to optimize deductions and credits. Keeping abreast of tax law changes throughout the year can also safeguard against unexpected liabilities. Some steps to incorporate year-round tax planning include: - **Regular financial check-ins:** Schedule periodic reviews with your advisor. - **Stay informed:** Keep up-to-date with tax law changes. - **Plan for major purchases:** Consider the tax implications of significant expenses. By implementing a year-round approach, doctors can avoid common tax planning mistakes. This method supports both long-term goals and immediate financial well-being, offering a comprehensive strategy that aligns with a doctor’s unique financial landscape. ## Key Takeaways and Action Steps for Doctors Doctors often face complex tax issues, yet taking specific steps can mitigate these challenges. By recognizing and avoiding common tax mistakes, doctors can optimize their financial health. Developing a strategic approach ensures better management and reduced tax liabilities. Key action steps to consider include: - **Engage a professional:** Leverage expert tax advice to navigate complexities. - **Optimize deductions:** Regularly review potential deductions and credits. - **Maintain records:** Ensure thorough documentation for all financial activities. - **Plan year-round:** Be proactive rather than reactive with tax planning. By implementing these strategies, doctors can take control of their financial future. A thoughtful approach to taxes not only prevents costly errors but also maximizes wealth preservation. Prioritizing these actions provides a clearer path to achieving financial goals, freeing up time to focus on delivering top-quality care. Consult financial advisors to optimize your plan. With their guidance, tailor your 401k contributions to suit your needs. A well-thought-out plan secures financial peace in your golden years. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other, PHYSICIANS, Tax Information **Tags:** Common Tax Mistakes Made by Doctors --- ### [Alternative Investments for High Net Worth Individuals](https://25financial.com/alternative-investments-for-high-net-worth-individuals/) **Published:** March 26, 2026 **Author:** Pavin White **Content:** The wealthiest investors aren’t just trying to get richer; they’re trying to not get poorer. Their secret isn’t just picking better stocks—it’s owning investments with little connection to the stock market’s daily gyrations. This is the essence of advanced portfolio diversification and a key reason alternatives have become a cornerstone of modern wealth management. In practice, Alternative Investments for High Net Worth Individuals emphasize vehicles with low correlation to public markets. ## Key Takeaways High net worth investors use alternatives to reduce reliance on public markets, seeking smoother, inflation-aware returns via low-correlation assets. The main categories are owning private companies (private equity/venture capital), lending privately (private credit), and holding tangible real assets. Benefits come with trade-offs: multi-year illiquidity, accredited-investor limits, and high minimums. The prudent path is goal-led, gradual allocation—often with advisor guidance—to complement a traditional portfolio. ## Summary Alternative investments for high net worth individuals seek resilient, inflation-aware returns by adding assets with low correlation to public markets. The main buckets are owning private companies (private equity/venture capital), lending privately (private credit), and holding tangible real assets; each offers diversification benefits but demands patience and higher minimums. Key trade-offs include multi-year illiquidity and accredited-investor requirements due to complexity and scale. A prudent approach is to define goals first, then build a gradual allocation—ideally with advisor guidance—to complement a traditional portfolio. You’ve heard the ‘eggs in one basket’ rule, but what if all your baskets are on the same shaky cart? The real goal is owning a completely separate asset—like a basket of fruit (think real estate) next to your basket of eggs (stocks). If one is dropped, the other is safe. These are ‘uncorrelated assets,’ and their performance isn’t tied to the public markets. This mindset sits at the heart of high net worth strategies for resilience. This is the strategy used by large endowments like Yale’s, which have famously allocated over half their funds to alternatives. Their objective is to provide a powerful cushion by generating alpha through uncorrelated assets. The result is smoother long-term returns and a way of hedging inflation with hard assets, providing stability regardless of market news. It also mirrors high net worth investment strategies that seek consistent, inflation-aware growth. ## The 3 Simple Buckets of Alternative Investments The term “alternative investments” can seem complicated, but most fall into three main categories. Instead of getting lost in jargon, just think of it this way: you’re either buying into a company, lending to one, or owning something tangible. This simple framework makes the landscape much easier to navigate. These pillars often anchor high net worth individuals investment strategies without overcomplicating decisions. - **Investing in Private Companies:** (Private Equity & Venture Capital) - **Lending Money Privately:** (Private Credit) - **Owning Tangible Things:** (Real Assets) This first bucket involves investing in companies not listed on the stock market. **Private Equity** is like “business flipping”—a fund buys a company, works to improve it, and aims to sell it later for a profit. Its higher-risk cousin, **Venture Capital**, does the same but for brand-new startups, hoping to fund the “next big thing” before anyone else. Rather than owning a business, you could simply lend to one. This is the world of **Private Credit** , where investment funds act like a specialized bank, providing loans directly to companies for growth or specific projects. The final bucket, **Real Assets**, is perhaps the most intuitive: it’s an investment in physical things you can see and touch. This includes everything from commercial real estate to essential infrastructure projects like airports and bridges that can generate steady income. Each path defines your role as an investor: an owner (equity), a lender (credit), or a landlord (real assets). While they all operate away from the daily swings of the stock market, this unique access comes with important trade-offs, which are critical to understand. ### What's the Catch? Understanding Illiquidity and "Accredited Investor" Rules These investments offer a different path to growth, but they also come with a different set of rules. The most significant trade-off is that you can’t access your money on demand. Unlike a stock you can sell in minutes, capital in an alternative fund is often committed for a **lock-up period** of five, seven, or even ten years. This condition, known as **illiquidity**, isn’t a flaw; it’s a feature. Fund managers need that long-term certainty to execute their strategy, whether it’s improving a company or completing a major construction project. The potential for higher returns is, in part, the reward for this patience. That long-term risk and complexity bring another important rule into play. Most of these funds are only available to what regulators call an **accredited investor**—an individual who meets a specific income or net worth threshold. This isn’t about creating an exclusive club; it’s a consumer protection measure. Because these investments are complex and illiquid, regulations are designed to ensure participants have the financial resources to bear the potential risks and the sophistication to understand the strategy, often with the help of an advisor. Finally, the sheer scale of these deals explains the high barrier to entry. Private equity funds aren’t buying a few shares; they are buying entire companies. This requires enormous pools of capital, leading to minimum investments that can easily be hundreds of thousands of dollars or more. The intensive research and hands-on management required for these private deals are worlds away from simply clicking “buy” on a stock. Because of these significant hurdles, accessing alternatives requires a very different approach than building a traditional portfolio. ## How to Think About Your First Steps Into Alternative Investing Given the high barriers, where do you start? The answer isn’t about picking a specific fund, but defining your objective. Are you seeking returns that aren’t tied to the stock market’s daily swings, or perhaps a powerful hedge against inflation? Thinking through your “why” is the essential first step in building an alternative investment portfolio strategy, long before you consider any specific product. This strategic mindset transforms conversations with a financial advisor. Instead of asking what to buy, you can pose a more powerful question: “Based on my goals for stability and growth, how might an allocation to private market opportunities complement my existing portfolio?” This opens a dialogue focused squarely on your needs, not a sales pitch for a product. The journey from there is gradual. Most investors don’t dive into the deep end; they start with a small, strategic allocation to learn the ropes. As comfort grows over years, more sophisticated options might become relevant, like accessing exclusive co-investment opportunities—common in ultra high net worth investing. The goal isn’t to master everything at once, but to take a single, informed step forward. ## A Clearer Path to Portfolio Stability The world of alternative assets is no longer an inaccessible mystery. Private equity, private credit, and real assets are simply different tools for building a more stable portfolio, separate from the daily swings of the stock market. By understanding the core purpose behind these strategies, you can look beyond the jargon. This foundational knowledge equips you to follow financial news with new clarity and ask smarter questions about long-term wealth. With this framework, a once-complex topic becomes an understandable landscape of opportunity for achieving portfolio resilience. Consult financial advisors to optimize your plan. With their guidance, tailor your 401k contributions to suit your needs. A well-thought-out plan secures financial peace in your golden years. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Alternatives, Other **Tags:** high net worth individuals investment strategies, high net worth investment strategies, high net worth strategies, ultra high net worth investing --- ### [Tax Deductions Every Doctor Should Know](https://25financial.com/tax-deductions-every-doctor-should-know/) **Published:** March 26, 2026 **Author:** Pavin White **Content:** Your tax bill often feels like a diagnosis you can’t treat. The good news is, you’re likely sitting on a wealth of professional deductions that could save you thousands—and this guide to Tax Deductions Every Doctor Should Know is your treatment plan for tax planning for doctors and practice owners. It’s designed to empower you with the financial knowledge your medical training never covered. First, we must determine your employment status. Do you receive a W-2 from a hospital, or a 1099 for locum tenens or consulting work? The answer changes everything, as the IRS views a W-2 employee and a 1099 independent contractor completely differently. This W-2 vs. 1099 distinction is critical to understanding your options in doctor tax strategy and tax planning for physicians. A major 2017 tax law change eliminated most deductions for unreimbursed employee expenses—a detail many medical professionals overlook. This means that if you’re an independent contractor, you have significantly more opportunities to lower your tax bill with tax deductions for doctors available to business owners. Common question: do doctor pay tax? Yes—like all professionals, physicians are subject to income and payroll taxes, but thoughtful planning can reduce what you owe. ## Summary Your tax-savings strategy hinges on whether you’re a W-2 employee or a 1099 contractor, since the 2017 law largely eliminated unreimbursed employee expense deductions while leaving broad business write-offs for independent contractors and practice owners. Core deductions include CME (with related travel), licensing and professional dues, journals/subscriptions, required uniforms and cleaning, malpractice premiums, and work-related supplies. Business meals (generally 50%), conference travel that meets the “primary purpose” test, and driving between work sites are deductible when backed by clear contemporaneous documentation, including a mileage log. Turn knowledge into savings by tracking expenses and miles in real time and meeting with a CPA to choose optimal methods (e.g., standard vs. actual auto costs) and explore advanced items like a home office or QBI. These physician tax deductions deliver meaningful tax benefits for doctors when properly documented. ## "Easy Wins": Deducting Your Licensing, Dues, and Education The cost of staying current is significant, but so are the tax benefits. As an independent contractor or practice owner, you can deduct expenses for Continuing Medical Education (CME). This isn’t just the course fee; it includes related travel and lodging. The IRS considers these “ordinary and necessary” business expenses—costs that are common and helpful for you to do your job and classic deductions for doctors. Beyond education, the mandatory fees required to practice are also deductible. Think of the checks you write each year just to maintain your credentials. These are all valid write-offs, often called tax write offs for doctors, including: - State Medical License and Board Certification Fees - DEA Registration Fees - Dues for professional organizations (AMA, ACEP, etc.) - Subscriptions to journals (NEJM, JAMA) or resources (UpToDate) Each of these items represents a clear, deductible business expense. The key is simply to track them throughout the year. ## Your Daily Work: Deducting Scrubs, Malpractice Insurance, and Supplies Those scrubs and lab coats you live in are more than just a uniform; they’re a tax deduction. Because this attire is required for work and isn’t suitable for everyday personal wear, both the purchase price and the cost of dry cleaning or laundering are deductible. This turns a routine cost into a financial benefit. Beyond your daily uniform, one of the most significant write-offs is your malpractice insurance. If you are a 1099 physician or practice owner paying for your own coverage, the entire annual premium is a fully deductible business expense. Given the high cost of this protection, the malpractice insurance tax deduction provides substantial savings. The same logic applies to the tools of your trade. Any smaller equipment you buy for work—from a new high-end stethoscope to an otoscope or reflex hammer—qualifies as a necessary business expense. While these costs add up, they also reduce your taxable income. Together, these purchases function as tax write offs for physicians when incurred for your business. ### The Physician's Guide to Business Travel and Meals Taking a referring physician to lunch to discuss a complex case is a perfect example of a tax write-off. You can generally deduct 50% of these business meals, as long as they aren’t lavish. The key is proving its purpose. On the receipt, simply note who you met and what you discussed. Without that simple documentation, it’s just a personal lunch in the eyes of the IRS. This same principle extends to professional travel. Attending a medical conference is a classic deductible expense, but the trip must pass the IRS’s “Primary Purpose Test.” This just means the main reason for your trip must be business. If you attend a three-day conference and add one personal day for sightseeing, your flight and conference-related lodging are typically fully deductible. Whether it’s a meal or a flight, clear documentation is what separates a valid deduction from a risky guess. None of this is about clever tax loopholes for doctors; it’s about applying established IRS rules with solid records. ## Demystifying Vehicle Deductions: Commuting vs. Business Miles Your daily drive to a primary hospital or clinic is a personal commute and isn’t deductible. The crucial exception for physicians, however, is driving *between* work locations. That trip from the hospital to your outpatient clinic for afternoon appointments, or to a second hospital where you have privileges, is considered deductible business mileage. This distinction transforms your car from a personal vehicle into a valuable business asset for tax purposes. You can deduct these expenses using one of two methods. The **Standard Mileage Rate** is the simplest, allowing a set deduction per business mile. Alternatively, the **Actual Expense Method** is more involved, letting you deduct a percentage of all your car costs, from gas and insurance to depreciation. Your CPA can help determine which method yields a greater deduction for you. Whichever path you choose, the IRS requires a contemporaneous mileage log. This means consistently using an app or a simple notebook to record the date, miles, and business purpose for each trip. Without this documentation, this common deduction becomes a significant audit risk, so diligent tracking is non-negotiable. ## Your Final Action Plan: From Knowledge to Tax Savings You no longer have to view your finances as a confusing diagnosis. You now possess the framework to identify the professional expenses that can significantly lower your tax bill. Remember, your expense records are like a patient’s chart; without proper documentation, a deduction is just a guess, but with it, you have a defensible position. Here is your treatment plan—simple year-end tax planning strategies for doctors: 1. **Choose a System:** Download an expense and mileage tracking app today. 2. **Track Everything:** Log expenses in real-time, not months later. 3. **Schedule a Review:** Book a meeting with your CPA, armed with organized records. This discipline transforms your CPA meeting from a reactive task into a proactive strategy session, preparing you to discuss advanced topics like the home office or understanding the QBI deduction with confidence. You manage complex cases daily; now you can manage your financial health with that same professional authority. Consult financial advisors to optimize your plan. With their guidance, tailor your 401k contributions to suit your needs. A well-thought-out plan secures financial peace in your golden years. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other, PHYSICIANS, Tax Information **Tags:** deductions for doctors, do doctor pay tax, doctor tax, physician tax deductions, tax benefits for doctors, tax deductions for doctors, tax loopholes for doctors, tax planning for doctors, tax planning for physicians, tax write offs for doctors, tax write offs for physicians --- ### [Choosing the Right Wealth Management Firm](https://25financial.com/choosing-the-right-wealth-management-firm/) **Published:** March 26, 2026 **Author:** Pavin White **Content:** You’ve worked hard and built something significant, but now managing your money feels like a second job. Your simple savings and retirement accounts don’t seem to cover the new questions you’re facing about taxes, inheritance, and making your wealth last for a lifetime. If you’re wondering what comes next, you’re not alone. For those navigating wealth management for high net worth individuals, this is often when you begin Choosing the Right Wealth Management Firm. This feeling is the tipping point where professional help becomes necessary. The surprising truth is that the goal isn’t finding the “best” investment picker; it’s about finding a trustworthy partner for the journey ahead. Rather than chasing the best wealth advisors, the top wealth managers, or the biggest wealth managers, prioritize alignment, transparency, and fit. The focus shifts from simply growing money to protecting and coordinating it. This guide offers a clear path to finding a qualified advisor, understanding the most important questions to ask, and gaining true financial confidence. ## Key Takeaways Professional wealth management becomes essential when your finances grow complex—after a liquidity event, larger portfolios, or the need to integrate investments, taxes, and estate plans. Prioritize a true fiduciary who is fee-only, ideally an RIA, to minimize conflicts and ensure your interests come first. Seek holistic planning that coordinates investing with tax and estate strategies, and use the seven-question checklist to vet advisors. Start with the CFP Board or NAPFA to find vetted professionals and move toward financial confidence and peace of mind. If you need high net worth wealth management or ultra high net worth wealth management, focus on high net worth services delivered by a fiduciary team. ## Summary This guide explains when a wealth manager becomes essential and how to choose the right one. Prioritize a true fiduciary—ideally a fee-only RIA—to avoid conflicts of interest and ensure your goals come first. Look for holistic planning that integrates investments, taxes, and estate strategies, and use the seven-question checklist to vet candidates. Begin your search via the CFP Board or NAPFA to find vetted professionals and move toward financial peace of mind. The same guidance applies whether you are evaluating high net worth advisors or a financial advisor high net worth clients rely on, and it is equally relevant when comparing wealth advisors for high net worth families. ## Is a Wealth Manager Actually Right for You? While robo-advisors and your 401(k) are excellent tools for building wealth, they aren’t designed to handle significant complexity. They’re like a great family doctor, but now you might need a team of specialists coordinating your care. If your circumstances require high net worth asset management, hnw wealth management, or other specialized high net worth management, the need for coordinated expertise becomes clear. A wealth manager often becomes essential when your finances have multiple moving parts, which typically happens after specific events: - A major liquidity event, such as managing a large inheritance or selling a business. - Your portfolio grows large enough that a single mistake could seriously impact your retirement. - You need to coordinate tax strategies, estate plans, and investment goals all at once. Ultimately, a robo-advisor manages your investments, but a wealth manager quarterbacks your entire financial life—one of the key robo-advisor alternatives. They look at the complete picture, which makes choosing the right partner critical. For larger or more complex portfolios, high net worth investment management often warrants high net worth advisors; ultra high net worth advisors or an ultra high net worth financial advisor may be appropriate for multi-generational or multi-entity structures. Many financial advisors for high networth individuals operate within top private wealth managers, but independent boutiques can be just as capable. ### The Single Most Important Factor: Finding a True Fiduciary When you’re entrusting someone with your life savings, trust can’t just be a feeling—it must be a legal standard. This is where the term fiduciary comes in. A fiduciary is a professional who is legally obligated to put your best financial interests first, always. It’s the absolute bedrock of a healthy client-advisor relationship. Think of it like the relationship you have with your doctor. You expect them to recommend the treatment that’s best for your health, not the one that pays them the biggest bonus. A fiduciary advisor has that same ethical and legal obligation to your financial health, making them a truly trustworthy financial advisor. This duty is your primary shield against conflicted advice. It means an advisor is prevented from pushing an investment product simply because it pays them a higher commission. Instead, their recommendations must be tailored exclusively to achieving your goals. Firms that operate this way are often called Registered Investment Advisor (RIA) firms. Before meeting a potential advisor, you can—and should—verify their status on the SEC’s free Investment Adviser Public Disclosure website. For UHNW families, working with a uhnw financial advisor who is a fiduciary adds another layer of protection. ## How to Decode the Price Tag: Fee-Only vs. Fee-Based Advisors Even a fiduciary gets paid, and how they are paid is critical. You’ll encounter two models that sound similar but are worlds apart: Fee-Only and Fee-Based. A Fee-Only advisor is paid directly and only by you. In contrast, a Fee-Based advisor can also earn commissions for selling you products, which creates a potential conflict of interest. Most Fee-Only advisors charge a percentage of your Assets Under Management (AUM). For a $1 million portfolio, a 1% annual AUM fee is $10,000. This model aligns your interests: the advisor makes more money only if your portfolio grows, tying their success directly to yours. It’s a transparent partnership designed for long-term growth. High net worth investment advisors at the largest wealth managers and the largest wealth management companies may use tiered schedules or performance fees; compare these carefully with boutiques and the best investment firms for high net worth to ensure value. Commissions create a risk that advice might be influenced by an advisor’s payout. To protect yourself, ask one simple question: “Are you Fee-Only?” An unwavering “yes” ensures their recommendations are focused solely on you. ## Beyond Stocks and Bonds: What "Holistic Planning" Actually Means Thinking beyond stocks and bonds is where great wealth management truly begins. The best firms don’t just manage your portfolio; they provide holistic financial planning services. This means your investment strategy, tax planning, and estate plan are viewed as interconnected parts of a single financial picture. For example, an investment that boosts your retirement fund shouldn’t create a huge tax bill for your heirs. The best wealth management firms for families coordinate these moving parts. They ensure investment choices support your long-term estate plan, preventing costly conflicts and creating a seamless strategy across generations. Some firms act as wealth management consultants for high net worth clients, coordinating with your CPA and estate attorney to deliver truly integrated high net worth services. This approach leads to customized investment strategy development—a financial roadmap built for your life, not a generic template. Finding an advisor who delivers this level of personalized service is crucial, and it starts with asking the right questions. ## Your Interview Checklist: 7 Essential Questions to Ask Any Potential Advisor Walking into a meeting prepared with the right questions is the single best way to determine if an advisor is a good fit. It moves the conversation beyond a sales pitch and helps you evaluate their expertise, transparency, and alignment with your goals. Use these seven questions to guide your conversation: 1. Are you a fiduciary at all times? (The only acceptable answer is a simple “yes.”) 2. How are you compensated? (Look for a clear explanation of their fee-only structure.) 3. What are your qualifications? (Listen for top professional certifications like CFP® or CFA®.) 4. Who is your typical client? (This helps ensure they have experience with situations like yours.) 5. What is your investment philosophy? 6. Who is the custodian for my assets? (A custodian is the separate, independent firm that holds your money for safekeeping.) 7. How often will we communicate? Do a bit of independent research, too: review wealth management firm rankings, wealth management company rankings, and lists like the top 100 wealth management firms to see how candidates compare among the top wealth management firms and top private wealth managers. Rankings are useful context, but they shouldn’t outweigh fiduciary duty, planning depth, and cultural fit. ## How to Take the First Step Toward Financial Peace of Mind You no longer have to hope to find a good advisor; you now know exactly what to look for. Armed with the three pillars—Fiduciary duty, a Fee-Only structure, and a holistic plan—you can confidently screen potential partners and build a team that truly has your back. Your first step is clear. Visit the official CFP Board or NAPFA websites to connect with vetted professionals. This begins the client onboarding process on your terms, with you in control from the start. To round out your due diligence, you can skim shortlists of top wealth management firms, the biggest wealth management firms, and profiles of high net worth financial advisors and high net worth investment advisors. Use these as starting points rather than endpoints; the largest wealth managers are not automatically the right choice for your goals. This decision is about more than just managing money; it’s about reclaiming your time and energy. By taking this action, you are stepping away from financial stress and toward true peace of mind, secure that your future is in capable hands. Consult financial advisors to optimize your plan. With their guidance, tailor your 401k contributions to suit your needs. A well-thought-out plan secures financial peace in your golden years. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared, Other **Tags:** best investment firms for high net worth, best wealth advisors, biggest wealth management firms, biggest wealth managers, financial advisor high net worth clients, financial advisors for high networth individuals, high net worth advisors, high net worth asset management, high net worth financial advisors, high net worth investment advisors, high net worth investment management, high net worth management, high net worth services, high net worth wealth management, hnw wealth management, largest wealth management companies, largest wealth managers, top 100 wealth management firms, top private wealth managers, top wealth management firms, top wealth managers, uhnw financial advisor, ultra high net worth advisors, ultra high net worth financial advisor, ultra high net worth wealth management, wealth advisors for high net worth families, wealth management company rankings, wealth management consultants for high net worth clients, wealth management firm rankings, wealth management for high net worth individuals --- ### [Strategies for Managing a Maxed Out 401k](https://25financial.com/strategies-for-managing-a-maxed-out-401k/) **Published:** March 26, 2026 **Author:** Pavin White **Content:** # Strategies for Managing a Maxed Out 401k Maxing out your 401k is a significant milestone in your financial journey. It reflects a commitment to securing your future. But what happens next? For high-income professionals, reaching the 401k contribution limit is just the beginning. It’s crucial to explore additional strategies for financial growth. Diversifying your investment portfolio is key. This ensures long-term wealth and mitigates risks associated with market volatility. Tax-efficient strategies can further enhance your financial position. They help in minimizing liabilities and maximizing returns. In this article, we will explore various strategies to manage a maxed out 401k. These insights will guide you toward a comprehensive wealth strategy. ## Understanding 401k Contribution Limits and the Benefits of Maxing Out Knowing the 401k contribution limits is vital for effective planning. In 2023, the limit is $22,500 for employees under 50. Those over 50 can contribute an additional $7,500 through catch-up contributions. Maxing out your 401k offers numerous advantages. One primary benefit is the tax deferral on contributions. This can significantly reduce your taxable income each year. Moreover, many employers offer matching contributions. This is essentially free money added to your retirement savings. Thus, fully utilizing this benefit is crucial for optimal growth. By contributing the maximum allowed amount, you: - Reduce current taxable income - Maximize employer matching funds - Increase potential retirement savings These benefits underscore the importance of making the most of your 401k. They lay the groundwork for a secure financial future. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-401k-Contributions-Limits.png "Picture - 401k Contributions Limits - 25 Financial - 25 Financial") ## What to Do After You Max 401k Contributions Reaching your 401k contribution limit opens up new financial opportunities. With the 401k maxed out, it’s time to explore other investment strategies. Diversification is key to maintaining long-term growth. Start by contributing to an Individual Retirement Account (IRA). Whether traditional or Roth, IRAs provide additional avenues for tax-advantaged savings. They complement your 401k, enhancing your retirement strategy. Additionally, consider taxable investment accounts for more flexibility. These accounts allow access to a wide array of investment options without penalties for early withdrawals. They can provide liquidity and diversification beyond retirement accounts. When you’ve maxed out your 401k: - Contribute to IRAs - Explore taxable investment accounts - Review other tax-advantaged options These steps ensure that your financial plan remains robust, even after reaching 401k limits. Expanding beyond the 401k helps build a comprehensive and resilient financial strategy. ## Exploring Additional Retirement Accounts: IRAs and Backdoor Roth Strategies Once you’ve maxed out your 401k, consider Individual Retirement Accounts (IRAs) as your next move. Both Traditional and Roth IRAs offer unique tax benefits. These accounts help in creating a well-rounded retirement portfolio. Traditional IRAs allow tax-deferred growth, meaning you pay taxes upon withdrawal. Contributions may be tax-deductible, reducing your taxable income. This can be beneficial for those expecting to fall into a lower tax bracket during retirement. Roth IRAs, conversely, are funded with after-tax dollars. Earnings grow tax-free, and withdrawals in retirement are also tax-free. Roths are ideal if you anticipate higher taxes in the future. High earners can also explore backdoor Roth IRA conversions. Even with income limits, this strategy involves contributing to a Traditional IRA and then converting to a Roth IRA. This allows tax-free growth and withdrawals with income flexibility. Key actions include: - Opening a Traditional IRA - Considering Roth IRA benefits - Executing a backdoor Roth strategy Each of these accounts plays a strategic role in reducing tax burdens and boosting retirement funds. By leveraging IRAs and the backdoor Roth strategy, you diversify your retirement savings and optimize tax efficiency. This proactive approach strengthens your financial future beyond a maxed-out 401k. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Variety-Of-Retirement-Account-Options.png "Picture - Variety Of Retirement Account Options - 25 Financial - 25 Financial") ## Tax-Efficient Investment Strategies Beyond the 401k After maximizing your 401k, exploring tax-efficient investments becomes crucial. Strategies like Health Savings Accounts (HSAs) and 529 plans offer substantial benefits. These strategies minimize tax liabilities while promoting wealth growth. HSAs provide triple tax advantages: contributions are tax-deductible, earnings grow tax-free, and withdrawals for qualified medical expenses are non-taxable. This makes HSAs a powerful tool for those with high-deductible health plans. 529 plans focus on education savings, offering tax-free growth for education expenses. Contributions are made with after-tax dollars, but the tax-free growth and withdrawals make them appealing for those with children or grandchildren. Consider these strategies: - Utilize HSAs for medical expenses - Invest in 529 plans for education - Focus on tax-loss harvesting Tax-loss harvesting is another method to lower taxable income. By selling investments at a loss to offset gains, you effectively reduce your tax burden. These strategies collectively allow smart management of finances, ensuring continued wealth accumulation despite 401k limits. ## Leveraging Health Savings Accounts (HSAs) and 529 Plans Health Savings Accounts (HSAs) provide unique tax perks for high-income professionals. Contributions, growth, and withdrawals are all tax-advantaged for medical expenses. HSAs serve as a back-up retirement fund in case of future medical costs. Similarly, 529 plans offer a tax-efficient pathway for education savings. While contributions are made after-tax, the earnings grow tax-free. Withdrawals for qualifying education expenses escape taxation, an appealing feature for planning your family’s educational future. Consider these advantages: - Tax-deductible contributions to HSAs - Tax-free growth and withdrawals for 529 plans - Dual-purpose financial tools for medical and educational expenses Strategically utilizing both HSAs and 529 plans enhances financial planning. These accounts offer security and growth. They effectively address medical and educational expenses, thus streamlining your broader wealth strategy. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Money-Ribbon.jpg "Picture - Money Ribbon - 25 Financial - 25 Financial") Igor Omilaev () ## Building a Diversified Investment Portfolio A diversified investment portfolio is fundamental for long-term financial success. It buffers your wealth against market fluctuations and reduces risk. High-income earners often benefit from spreading investments across various asset classes. Inclusion of equities, bonds, and alternative investments is key. This combination balances potential returns with risk. Diversification can enhance stability, offering protection in volatile markets. Consider the following asset options: - Domestic and international stocks - Fixed income securities like bonds - Real estate and commodities Revisit and adjust your portfolio as goals evolve over time. Regular reviews ensure alignment with your risk tolerance and market changes. A well-rounded portfolio supports consistent growth, safeguarding your financial future. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Graph3.jpg "Picture - Graph3 - 25 Financial - 25 Financial") Joachim Schnürle () ## Real Estate and Alternative Investments for High-Income Earners Real estate can significantly enhance your investment strategy. It offers a tangible asset with potential for income and appreciation. Rental properties or commercial real estate provide steady cash flow streams. Alternative investments broaden your financial landscape. These include private equity, venture capital, and hedge funds. They typically offer high returns, albeit with greater risk. Consider these alternative options: - Private equity investments - Venture capital initiatives - Hedge funds and commodities Investing beyond traditional options diversifies income sources and maximizes potential returns. Each choice carries unique risks and rewards, so understanding these is crucial. Proper evaluation helps in selecting investments aligning with your financial goals. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Money-House.jpg "Picture - Money House - 25 Financial - 25 Financial") Kostiantyn Li () ## Managing Tax Liabilities and Charitable Giving As a high-income earner, managing tax liabilities can be complex. Effective tax strategies are crucial for financial health. Deductions, tax credits, and efficient investment choices can aid in reducing tax burdens. Charitable giving benefits both the community and your tax plan. Contributions can qualify for deductions, lowering taxable income. Consider these methods: - Donor-Advised Funds (DAFs) - Direct cash donations - Appreciated securities contributions Each avenue presents unique benefits. Balancing tax strategies with philanthropic goals can optimize financial and personal fulfillment. Thoughtful planning ensures both tax efficiency and impactful giving. ### Protecting Your Wealth: Estate Planning and Insurance Estate planning is essential for safeguarding assets and ensuring financial security for loved ones. A well-crafted plan outlines the distribution of wealth according to your wishes. Without this, state laws dictate asset distribution, which may not align with your goals. Insurance acts as a financial safety net against unexpected events. It can protect assets and provide liquidity. Consider incorporating these elements into your strategy: - Wills and trusts - Life insurance policies - Long-term care coverage Each component secures different aspects of wealth, offering comprehensive protection. By planning ahead, you ensure peace of mind and financial stability for your family. ## The Importance of Regular Financial Reviews and Professional Guidance Regular financial reviews are critical to staying on track with your goals. As circumstances change, adjustments are often necessary to optimize your strategy. This is especially true for high-income earners with complex financial needs. Professional guidance can offer invaluable insights and tailored advice. A financial advisor helps ensure your strategy remains aligned with evolving goals. Consider these advantages of professional advice: - Identifying new investment opportunities - Adjusting plans for tax law changes - Customizing strategies to suit personal needs Engaging with an expert provides the confidence and clarity needed to navigate your financial journey successfully. ## Conclusion: Creating a Comprehensive Wealth Strategy After a Maxed Out 401k Maxing out your 401k is an important milestone. It signifies dedication to securing your financial future. But reaching the limit is not the end; it’s a beginning. With strategic planning, additional opportunities abound. Explore diverse investments, optimize taxes, and ensure your strategy adapts. Each element plays a vital role in overall financial health. A comprehensive wealth strategy demands more than funding a single account. It requires an ongoing commitment to growth and protection. With thoughtful planning, your financial journey can be both rewarding and secure. Consult financial advisors to optimize your plan. With their guidance, tailor your 401k contributions to suit your needs. A well-thought-out plan secures financial peace in your golden years. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Finance, Other **Tags:** Maxed out your 401k? Discover strategies to diversify investments, reduce tax liabilities --- ### [Break The Golden Handcuffs On Your Hospital Salary](https://25financial.com/break-the-golden-handcuffs-on-your-hospital-salary/) **Published:** March 26, 2026 **Author:** Pavin White **Content:** # Break The Golden Handcuffs On Your Hospital Salary Golden handcuffs can bind even the most successful healthcare professionals. These financial incentives often keep high-income earners tied to their hospital roles. While the salary and benefits are attractive, they can create a sense of dependency. Many healthcare professionals feel trapped by these golden handcuffs. The allure of job benefits can overshadow personal and professional growth. This dependency can hinder financial independence and limit career flexibility. Breaking free requires a strategic approach. It involves understanding the true cost of these benefits and their impact on your life. Financial independence is achievable with the right strategies. Diversifying income streams is a key step. It reduces reliance on a single salary and enhances financial security. Tax optimization and wealth management are also crucial for high earners. Retirement planning ensures a comfortable future without relying solely on a hospital salary. Engaging with a financial advisor can provide tailored advice. Taking action now can lead to financial freedom and a more fulfilling life. ## Understanding Golden Handcuffs in Healthcare Golden handcuffs are financial incentives designed to keep professionals at their jobs. In healthcare, these often include competitive salaries and robust benefit packages. However, they can also result in financial confinement. These incentives may seem irresistible at first. For high-income healthcare workers, they often come in the form of generous retirement contributions and comprehensive insurance packages. But there’s a catch—these perks can make leaving difficult. Professionals may worry about losing these financial benefits if they change jobs. Leaving a secure position for new opportunities may seem daunting. This is the nature of golden handcuffs, subtly tying you to one employer. Understanding these handcuffs is crucial for long-term financial health. You should assess how they align with your goals. Consider whether the benefits outweigh the limitations they impose. Here’s why you might feel bound: - High salaries with bonuses - Comprehensive health and life insurance - Lucrative retirement plans - Tuition and education reimbursements Assess the true cost of these offerings against personal values and aspirations. This understanding is the first step toward financial independence. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Handcuffs.png "Picture Handcuffs - 25 Financial - 25 Financial") ## The Allure and Risks of Hospital Salary Job Benefits Hospital salary benefits offer tremendous appeal to healthcare professionals. They often include hefty signing bonuses, ample paid time off, and comprehensive healthcare packages. These benefits provide security and predictability. However, they also come with inherent risks. One major concern is the complacency they might foster. Reliance on these benefits can make career mobility and growth feel threatening. Moreover, benefits may limit your financial agility. They tie significant portions of your compensation to staying with one employer. This limits your flexibility in exploring new career paths or entrepreneurial ventures. Understanding both the allure and the drawbacks is crucial. Consider the following key points: - Benefits may mask inadequate salary increases. - Enticing bonuses might have lengthy vesting periods. - Employee stock options could have limited liquidity. - Continuing education perks may not align with personal goals. These elements can create a false sense of security, making it challenging to recognize better opportunities. Recognizing these risks can empower you to make informed financial decisions. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Balance.png "Picture - Balance - 25 Financial - 25 Financial") ## Why High-Income Professionals Feel Trapped High-income professionals often find themselves ensnared by their salaries. The comfortable lifestyle enabled by significant earnings can become a golden cage. This financial reliance can make the prospect of change daunting. The fear of losing valuable job benefits also plays a major role. Leaving a secure position often means saying goodbye to perks like extensive retirement plans or generous healthcare options. This makes the idea of breaking free less appealing. Additionally, the high expectations that come with substantial incomes add pressure. Professionals feel obliged to maintain a certain standard of living, which can limit financial flexibility. Concerns about lifestyle inflation and its long-term impact add another layer of stress. Several factors contribute to these feelings of being trapped: - Dependence on job-related perks - High lifestyle maintenance costs - Fear of reduced income security - Limited time for personal finances Recognizing these issues is the first step toward financial independence. ## The True Cost of Golden Handcuffs: Financial and Emotional Golden handcuffs can lead to significant hidden costs. Financially, they may restrict professionals from exploring better investment opportunities. The allure of job benefits often overshadows potential long-term gains elsewhere. Emotionally, the cost is equally steep. A sense of being stuck in a job for the perks can lead to dissatisfaction. The lack of career fulfillment can impact mental health and overall well-being. Financial stagnation is another repercussion. By clinging to job benefits, high-income earners might miss out on diverse income opportunities. Moreover, constant worry about job security can be emotionally draining. The effects of golden handcuffs include: - Limited financial growth - Career dissatisfaction - Emotional stress - Stifled innovation and creativity Understanding these costs underscores the need for change. It’s essential to weigh current benefits against future possibilities for a more fulfilling career and life. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Buckles.jpg "Picture - Buckles - 25 Financial - 25 Financial") The New York Public Library (https://unsplash.com/@nypl) ## Strategies to Break Free: Building Financial Independence Breaking free from golden handcuffs requires strategic planning. It starts with setting clear financial goals to guide decisions. Identifying what’s most important helps in prioritizing effectively. Begin by assessing your current financial situation. Understand your income sources, expenditures, and investments. This assessment lays the groundwork for a robust financial plan. Diversifying income is crucial. Explore options like real estate, stock investments, or side businesses. Multiple income streams reduce reliance on a single salary. Consider these income diversification strategies: - Invest in rental properties - Explore stock market opportunities - Start a side business aligned with your skills Tax optimization plays a pivotal role. High earners can minimize liabilities through strategic tax planning. Consulting with experts can unlock potential savings. Regular financial reviews are essential. Adjust your strategies as goals and circumstances change. Keeping a flexible approach ensures plans remain relevant. Additional considerations for financial freedom: - Create a detailed budget to monitor spending - Build an emergency fund for unexpected events - Regularly revisit and refine your financial goals Breaking the golden handcuffs fosters empowerment and creativity. By taking charge, you unlock greater freedom and satisfaction, both professionally and personally. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Charts.jpg "Picture - Charts - 25 Financial - 25 Financial") Markus Spiske (https://unsplash.com/@markusspiske) ## Diversifying Income Streams Beyond Your Hospital Salary Relying solely on a hospital salary can feel limiting. Expanding your income streams offers greater financial security. It also opens doors to new opportunities. Begin by exploring investment avenues that align with your interests. Consider options like real estate, mutual funds, or consulting work. These can supplement your primary income effectively. Here are potential avenues to consider: - Real estate investments - Stock market ventures - Consulting or teaching opportunities Each of these options comes with its own risks and rewards. Investigate thoroughly and consult experts when needed. This ensures you make informed decisions. Developing multiple income streams reduces reliance on a single employer. This diversification not only boosts financial health but also enhances professional satisfaction. It offers a chance to leverage skills in diverse fields and potentially pursue passions. Taking this step can lead to a more balanced and fulfilling financial life. ![](https://25financial.com/wp-content/uploads/2026/03/Picture-Help-for-the-workers.jpg "Picture - Help for the workers - 25 Financial - 25 Financial") LSE Library (https://unsplash.com/@londonschoolofeconomics) ## Tax Optimization and Wealth Management for High Earners High earners face significant tax liabilities. Strategic tax planning is essential to minimize these burdens. It allows you to preserve more of your hard-earned income. Effective tax optimization involves utilizing deductions and credits. Structuring your investment portfolio wisely can also reduce taxable income. This careful planning can lead to substantial savings. Consider these tax optimization strategies: - Maximize retirement contributions - Utilize health savings accounts - Explore charitable donations for tax benefits Wealth management is equally important for high-income professionals. It involves creating a comprehensive financial plan that balances risk with growth potential. A diversified portfolio helps manage market fluctuations and enhances long-term stability. Engaging with a seasoned financial advisor can provide valuable insights into both tax strategies and wealth management. They can tailor approaches to fit your unique circumstances. This personalized guidance supports sustainable financial growth, ensuring your wealth works effectively for you. ## Retirement Planning: Securing Your Future Without Dependence Planning for retirement is crucial for breaking free from golden handcuffs. High-income professionals must ensure that their future is secured. Relying solely on hospital salaries can lead to dependency. A diversified retirement plan includes various income sources. Consider investments in stocks, bonds, and real estate to build wealth over time. Diversification can provide stability amid economic changes. Here are essential steps for effective retirement planning: - Assess your retirement needs and goals - Increase contributions to retirement accounts regularly - Explore annuities for guaranteed income streams By implementing these strategies, you can reduce reliance on a single income source. This fosters financial independence and peace of mind during your retirement years. ## The Role of Financial Advisors and Ongoing Education Engaging with a financial advisor can significantly impact your financial journey. Advisors offer tailored strategies to navigate complexities and build wealth. They understand the unique challenges faced by high-income earners. Continued financial education empowers you to make informed decisions. Understanding investment options and tax regulations is vital. This knowledge enhances your ability to manage finances independently. Consider these benefits of working with a financial advisor: - Personalized financial guidance - Access to exclusive investment opportunities - Support in achieving long-term financial goals With ongoing education and expert advice, you can foster financial resilience. This approach nurtures growth and secures financial freedom. ## Taking Action: Steps Toward Financial Freedom Achieving financial freedom requires taking deliberate steps. First, assess your current financial situation. Understanding your finances helps in setting realistic goals. Next, focus on reducing high-interest debts. This step is crucial for improving cash flow. Redirect those funds towards investments and savings. Consider these actionable steps: - Create a detailed budget - Build an emergency fund - Invest in diverse assets It’s also important to regularly review your financial plan. Adjustments may be necessary as your life circumstances change. Flexibility ensures your strategy remains effective. Implement these strategies to fortify your financial position: - Schedule annual financial reviews - Stay informed about economic trends - Reevaluate investment portfolios By taking these steps, you move closer to breaking free from golden handcuffs. Financial independence offers the freedom to explore new opportunities without financial anxiety. Consult financial advisors to optimize your plan. With their guidance, tailor your 401k contributions to suit your needs. A well-thought-out plan secures financial peace in your golden years. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosures:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other, PHYSICIANS **Tags:** Break free from golden handcuffs on your hospital salary. Discover strategies for financial independence, diversifying income --- ### [Strategies to Effectively Lower Your Taxable Income](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) **Published:** December 1, 2025 **Author:** Pavin White **Content:** # Strategies to Effectively Lower Your Taxable Income Reducing taxable income is a smart financial move. It can lead to significant tax savings. Many people wonder how to reduce their taxable income effectively. There are numerous strategies available. Each can help lower your taxable income. Understanding these strategies is crucial. It can make a big difference in your financial health. From retirement contributions to tax credits, options abound. Each offers unique benefits. Tax optimization strategies can be complex. But they are worth exploring. This guide will walk you through various methods. You’ll learn how to reduce your taxable income. By the end, you’ll be equipped with practical tips. These can help you optimize your tax situation. [ Maximize Retirement Contributions ](#maximize) [ Health and Flexible Spending Accounts ](#hsa) [ Utilize Tax Credits ](#utilize) [ Itemize Deductions ](#itemize) [ Make Charitable Contributions ](#charitable) [ Deduct Mortgage Interest ](#deduct) [ Optimize Education-Related Tax Benefits ](#optimize) [ Reduce Taxable Income ](#income) [ Deduct Business Expenses ](#biz) [ Adjust Your Withholding ](#adjust) [ Plan for State and Local Tax Deductions ](#plan) [ Special Situations ](#special) ## Understanding Taxable Income and Why It Matters Taxable income is the portion of your income subject to taxes. It’s not just your salary or wages. It includes income from dividends, interest, and other sources. Knowing how taxable income is determined is essential. This knowledge is the key to managing your taxes effectively. The more you understand, the better you can plan. Reducing taxable income doesn’t just lower taxes today. It can improve overall financial health. Critical components to remember include: - Wages and salaries - Investment income - Business profits These factors play a role in calculating taxable income. Comprehending them ensures you optimize your taxes. ## Maximize Retirement Contributions Contributing to retirement accounts is a smart way to reduce taxable income. Funds directed into 401(k)s and IRAs aren’t taxed until withdrawal. This deferral lowers your taxable income now. Maximizing retirement contributions not only saves taxes today but prepares you for the future. Both employer-sponsored plans and individual plans offer benefits. The more you contribute, the more you can save. Different retirement accounts come with distinct benefits. Knowing these can help choose the right plan. Here’s a quick list: - Traditional 401(k) and IRA contributions are tax-deductible. - Roth IRA contributions are not deductible, but withdrawals in retirement are tax-free. - Matching contributions from employers boost your savings. Retirement planning shouldn’t be an afterthought. Yearly contributions should factor into your financial strategy. Planning ahead ensures you optimize tax savings. Start maximizing contributions now for future benefits. ## Take Advantage of Health and Flexible Spending Accounts Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are excellent tools for reducing taxable income. Contributions made to these accounts are tax-deductible, which means they lower your taxable income for the year. Furthermore, the funds in these accounts can be used tax-free for eligible medical expenses. HSAs are available to those with high-deductible health plans. They allow contributions, earnings, and withdrawals to be tax-free if used for qualified medical expenses. FSAs, on the other hand, also help pay for medical expenses but have annual contribution limits and funds must be used by the year’s end. Consider setting aside funds in an HSA or FSA to benefit from tax savings. Here’s what you should know: - HSAs are portable and funds roll over each year. - FSAs are generally “use-it-or-lose-it” accounts. - Both accounts can ease the burden of healthcare costs. By strategically using these accounts, you not only prepare for medical expenses but also effectively reduce taxable income. Planning these contributions as part of your annual budget maximizes their benefits and boosts your tax efficiency. ## Utilize Tax Credits to Lower Your Tax Bill Tax credits are a powerful way to lower taxable income and reduce your tax liability. Unlike deductions, which decrease your taxable income, tax credits directly reduce the amount of tax you owe. This makes them exceptionally valuable. There are various tax credits available that can significantly lower your tax bill. For example, the Earned Income Tax Credit (EITC) is designed to help low- to moderate-income working individuals and families. Other notable credits include the Child Tax Credit and the American Opportunity Credit for education expenses. To make the most of tax credits, ensure you qualify and apply for them when filing your taxes. Here’s a quick overview of some credits: - Earned Income Tax Credit - Child Tax Credit - American Opportunity Credit - Lifetime Learning Credit Be aware that some credits are refundable, meaning they could result in a refund even if you owe no taxes. Carefully reviewing available credits and their requirements each tax year can optimize your tax savings. By understanding and leveraging these credits, you can keep more money in your pocket during tax season. ## Itemize Deductions for Greater Savings Itemizing deductions can sometimes lead to lower taxable income than taking the standard deduction. This approach allows you to deduct specific expenses from your taxable income, potentially resulting in significant tax savings. However, itemizing is beneficial if your eligible expenses exceed the standard deduction amount. Some common deductions that you might consider itemizing include medical expenses, state and local taxes, and mortgage interest. Donations to charity and unreimbursed employee expenses can also be included. It’s crucial to keep detailed records of these expenses to ensure they’re deductible. Here’s a short list of potentially deductible expenses: - Medical expenses - State and local taxes - Mortgage interest - Charitable contributions Deciding whether to itemize or take the standard deduction depends on your financial situation. For some, the convenience of the standard deduction is preferable. Others benefit significantly from the potential to reduce taxable income through itemization. Carefully evaluate your expenses and consult with a tax professional if needed. ## Make Charitable Contributions Making charitable contributions is a generous way to lower your taxable income. Donations to qualified organizations can reduce the amount of income subject to tax, providing tangible benefits for both you and the receiving charity. It’s a win-win situation that encourages philanthropy and tax savings alike. To maximize these benefits, ensure donations are made to IRS-approved organizations. This can include cash contributions, non-cash items like clothing or household goods, and even volunteer expenses. Be sure to obtain receipts or acknowledgment letters for all donations to substantiate your deductions if needed. Here’s a quick list of donation types you can deduct: - Cash donations - Non-cash goods donations - Out-of-pocket volunteer expenses These contributions do more than just reduce taxable income. They also advance worthy causes and enhance community well-being. Keep records of your contributions throughout the year to make the process smoother come tax time. ## Deduct Mortgage Interest, Property Taxes, and Other Major Expenses Owning a home comes with significant tax-saving benefits. You can deduct mortgage interest, which can substantially lower your taxable income. This is especially beneficial in the early years of your mortgage when interest payments are highest. In addition to mortgage interest, you can deduct property taxes. These deductions reduce your taxable income and help offset the costs of homeownership. Being aware of these benefits can lead to considerable savings at tax time. Here’s a list of expenses you may be able to deduct: - Mortgage interest - Property taxes - Certain home equity loan interest These deductions can be a big help if you itemize rather than take the standard deduction. Consider all your major expenses and consult a tax professional to ensure you’re maximizing available deductions. ## Optimize Education-Related Tax Benefits Education expenses can contribute to a lower taxable income. If you’re paying for college or other educational costs, explore available tax credits and deductions. Both students and parents can benefit from these options. Tax credits like the American Opportunity Credit provide substantial savings. Deductions for student loan interest can also reduce taxable income. It’s important to understand eligibility and restrictions to maximize benefits. Consider these education-related tax benefits: - American Opportunity Credit - Lifetime Learning Credit - Student loan interest deduction Understanding and utilizing these benefits can lead to significant tax relief. They provide a way to offset the financial burden of education while reducing your taxable income. ## Reduce Taxable Income Through Investment Strategies Investments can play a crucial role in lowering your taxable income. By adopting smart strategies, you can minimize the taxes you owe. It’s important to plan your investment activities throughout the year. Tax-loss harvesting is a potent tool. Sell investments at a loss to offset capital gains elsewhere in your portfolio. This strategy works best when tailored to your individual financial goals. Other beneficial strategies include: - Investing in municipal bonds for tax-free interest - Using Roth IRA conversions strategically - Timing sales of investments to manage tax impact Reassessing and tweaking your investment portfolio regularly can yield significant tax savings. Consider consulting with financial or tax professionals to fine-tune your strategy. They can help ensure you capitalize on opportunities to reduce your taxable income effectively. ## Business Owners and Freelancers: Deduct Business Expenses Small business owners and freelancers can significantly reduce their taxable income. This is possible by deducting eligible business expenses. These deductions can transform your tax bill. Common deductible business expenses include office supplies, travel costs, and software subscriptions. Even some home office expenses can qualify. By thoroughly understanding deductible expenses, you maximize your savings. Here’s a list of deductible expenses for business owners and freelancers: - Office supplies and equipment - Business travel expenses - Marketing and advertising costs - Home office deductions - Professional fees (e.g., legal and accounting) Being diligent with record-keeping ensures you capitalize on these deductions. Keep track of receipts and document all relevant expenses. Consult a tax professional if you’re unsure about particular deductions. Accurate deductions can save you money and lower your taxable income significantly. ## Adjust Your Withholding and Filing Status Adjusting your tax withholding can be a proactive way to manage your taxable income. If you withhold too much, you lend money to the government interest-free. Too little and you might face a large bill at tax time. Review your W-4 form regularly. Make sure it reflects your current life situation. Changes like marriage, having kids, or a new job can affect tax withholding. Consider your filing status too. The right status can optimize your tax rate and exemptions. Common filing statuses include: - Single - Married filing jointly - Married filing separately - Head of household Choose the status that offers the best benefits for your situation. ## Plan for State and Local Tax Deductions State and local tax deductions can significantly influence your federal taxable income. Understanding eligible deductions in your state is crucial. This helps in planning and maximizing potential savings. Investigate which deductions apply to your situation, such as: - Property taxes - State income taxes - Local sales taxes Staying informed about local tax rules helps in making strategic financial decisions. Regularly revisiting tax obligations ensures you’re claiming all possible deductions. This proactive approach to state and local tax planning can provide considerable tax savings. ## Special Situations: Families, Homeowners, and More Certain tax strategies are especially beneficial for families, homeowners, and those in unique situations. Families can leverage credits and deductions designed for dependents, while homeowners can explore benefits tied to property ownership. Consider focusing on these options: - Child and dependent care credits - Adoption tax credits and deductions - Energy-efficient home improvement credits Tailor your tax optimization strategies to your personal circumstances. By doing so, you can lower your taxable income more effectively. Understanding these special situations can make a significant difference in your overall tax liability. ## Year-Round Tax Planning and Professional Help Proactive tax planning throughout the year can yield significant savings. By periodically reviewing your finances, you can adapt to changes in tax laws and regulations. Consulting a tax professional or using tax software can identify opportunities you might miss on your own. To maintain tax efficiency: - Schedule regular financial check-ins - Stay informed about tax law updates - Seek professional advice when needed This approach ensures you maximize deductions and credits, aligning your financial strategy with current tax rules. Professional guidance can uncover hidden savings opportunities. ## Key Takeaways: How to Lower Your Taxable Income Efficiently reducing your taxable income requires a mix of strategies tailored to your financial situation. Strategic planning, smart investments, and understanding available deductions and credits can make a substantial difference. To summarize effective strategies: - Contribute to retirement accounts - Utilize tax credits and deductions - Review investment portfolios for tax efficiency Adopting these practices can help minimize your taxable income and optimize your overall financial health. Continual education and professional advice are crucial for staying ahead of tax obligations. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) [](#_ftnref1) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Alternatives, NEW, Other, Tax Information **Tags:** How to Reduce Taxable Income: Top Strategies Explained --- ### [401k vs 403b vs 457](https://25financial.com/401k-vs-403b-vs-457/) **Published:** December 1, 2025 **Author:** Pavin White **Content:** # 401k vs 403b vs 457 Navigating retirement savings can be daunting, especially for high-income professionals. Understanding the differences between 401k, 403b, and 457 plans is crucial. Each plan offers unique benefits and opportunities for growth. These tax-advantaged accounts are designed to help you maximize retirement savings. They cater to different employment sectors, offering tailored solutions. Healthcare professionals often have access to multiple plans, allowing strategic allocation. This flexibility can significantly enhance retirement fund growth. Knowing the contribution limits and withdrawal rules is essential. It helps in crafting effective retirement account strategies. Tax implications also play a vital role in decision-making. Choosing the right plan can minimize liabilities and maximize returns. Our guide will explore these plans in detail, providing insights for a secure financial future. [ Eligibility and Who Can Contribute ](#eligibility) [ Contribution Limits and Catch-Up Provisions​ ](#Fees) [ Key Differences ](#differences) [ Strategies to Maximize 401k, 403b, and 457 Contributions​ ](#Strategies) [ Tax Implications and Roth Options ](#implications) [ Investment Choices and Retirement Fund Growth ](#choices) [ Managing Multiple Retirement Accounts ](#managing) [ Common Pitfalls and How to Avoid Them ](#pitfalls) [ Tailoring Retirement Account Strategies for Healthcare Professionals ](#tailoring) ## Understanding 401k, 403b, and 457 Plans: The Basics Understanding the basics of 401k, 403b, and 457 plans is key for financial planning. Each plan offers distinct benefits tailored to specific employment sectors. A 401k plan is typically provided by private sector employers. It allows employees to defer part of their salary into long-term savings. 403b plans are designed for public school employees and some non-profits. They offer tax-deferred growth similar to 401k plans. ![](https://25financial.com/wp-content/uploads/2025/11/Picture1.png "Picture1 - 25 Financial - 25 Financial") The 457 plan primarily serves state and local government employees. It provides unique flexibility in withdrawal options. Each plan offers tax advantages: - Tax-deferred growth - Potential employer matching - Deductible contributions Knowing the eligibility for these plans helps in making informed decisions. Assessing which plan aligns with your employment can enhance retirement fund growth. Understanding these basics is the first step in maximizing your retirement savings. Properly selecting a plan can provide security and financial peace of mind in the long run. ## Eligibility and Who Can Contribute Eligibility criteria for 401k, 403b, and 457 plans vary. Understanding these differences is essential for effective retirement planning. 401k plans are often available to employees of private companies. Most employers offer these as a standard benefit in their compensation packages. 403b plans are exclusive to public school staff and certain non-profit employees. These plans cater to educational and charitable sectors. 457 plans cater to employees of state and local governments. Some non-profit organizations also offer this plan. Here’s a quick eligibility summary: - **401k:** Private sector employees - **403b:** Public schools, tax-exempt organizations - **457:** Government and select non-profits Identifying which plan fits your employment is crucial. This decision helps optimize retirement strategies and savings growth. ## Contribution Limits and Catch-Up Provisions Contribution limits for retirement accounts are set by the IRS. These limits can significantly impact your retirement savings strategy. For 401k and 403b plans, the annual contribution limit is the same. Currently, this limit is $22,500. Both plans also offer a catch-up provision for those aged 50 and above. The catch-up contribution allows an additional $7,500 annually. This provision helps older workers boost their retirement savings. 457 plans have separate contribution limits, adding flexibility. The total contribution limit for a 457 plan also stands at $22,500. However, if you’re over 50, the catch-up contribution can match the 401k and 403b or even double under certain conditions. Here’s a concise breakdown of limits: - **401k/403b:** $22,500 + $7,500 catch-up (50+) - **457:** $22,500 + $7,500 catch-up (50+) or more ![Contribution limits comparison chart](https://static.semrush.com/contentshake/articles/ai-images/32e1190d-f1a6-4a2e-a99f-89bc3ea5ae0e/69cf9126-1224-4ebe-aa83-fca6f92c767b) Understanding these limits empowers you to maximize retirement savings. Make informed decisions to leverage these provisions effectively. ## Key Differences: Withdrawal Rules, Penalties, and Flexibility Understanding withdrawal rules is critical for retirement planning. The flexibility of each plan can greatly impact your financial strategy. 401k and 403b plans typically impose an early withdrawal penalty. This penalty is 10% if you withdraw before age 59½. Exceptions exist for specific situations like disability or substantial medical bills. 457 plans offer more flexibility. These plans allow penalty-free withdrawals at any age upon separation from service. This feature can be valuable for those planning early retirement. Each plan has different required minimum distributions (RMDs) rules. RMDs kick in at age 72 for all three plans, yet rules about aggregation differ. The aggregation rules for RMDs are often more flexible in 403b plans. Here are the main points: - **401k/403b:** 10% penalty before 59½ - **457:** Penalty-free at any age after leaving service - **RMDs:** Start at 72, varying aggregation ![Comparison of withdrawal rules and penalties](https://images.unsplash.com/photo-1684707878951-27ff31c7a67f?crop=entropy&cs=srgb&fm=jpg&ixid=M3wzMjkxMTJ8MHwxfHNlYXJjaHwyfHxDb21wYXJpc29uJTIwb2YlMjB3aXRoZHJhd2FsJTIwcnVsZXMlMjBhbmQlMjBwZW5hbHRpZXN8ZW58MHx8fHwxNzY0MDkzMzI4fDA&ixlib=rb-4.1.0&q=85) by Mario Verduzco (https://unsplash.com/@mario) Choosing the right plan requires understanding these details. Strategic withdrawals can minimize taxes and penalties, optimizing your retirement funds. ## 457 Plan Advantages for High-Income Professionals 457 plans provide unique benefits, especially for high-income earners like surgeons and practice owners. One distinct advantage is the lack of an early withdrawal penalty. This feature is crucial for those considering early retirement. Unlike 401k and 403b plans, 457 plans allow separate contribution limits. This means you can contribute the maximum to a 401k or 403b and still contribute to a 457 plan. This capability significantly boosts your retirement savings potential. Professionals often face unpredictable financial situations. The flexibility of 457 plans can be a safety net. It allows access to funds without the steep penalties other plans might impose. Here are key advantages of 457 plans: - **No Early Withdrawal Penalty**: Access funds early without penalty. - **Separate Contribution Limits**: Maximize contributions across multiple plans. - **Flexibility**: Adapt to financial changes with ease. ![Advantages of 457 plans for high-income professionals](https://images.unsplash.com/photo-1611125832047-1d7ad1e8e48f?crop=entropy&cs=srgb&fm=jpg&ixid=M3wzMjkxMTJ8MHwxfHNlYXJjaHwzfHxBZHZhbnRhZ2VzJTIwb2YlMjA0NTclMjBwbGFucyUyMGZvciUyMGhpZ2gtaW5jb21lJTIwcHJvZmVzc2lvbmFsc3xlbnwwfHx8fDE3NjQwOTMzMjh8MA&ixlib=rb-4.1.0&q=85) by Recha Oktaviani (https://unsplash.com/@rechaoktaviani) Understanding these benefits helps optimize retirement planning. The 457 plan offers adaptable and strategic options for securing a robust financial future. ## Strategies to Maximize 401k, 403b, and 457 Contributions Boosting contributions to 401k, 403b, and 457 plans can significantly enhance your retirement savings. Start by understanding employer matching. Ensure you contribute enough to get the full match. It’s essentially free money. Automate your contributions to avoid missing deposits. Consider increasing your savings rate annually. This method harnesses incremental growth without major lifestyle adjustments. Catch-up contributions offer another potent strategy, especially for those over 50. This option allows for enhanced savings when retirement feels near. Here’s how to effectively maximize your contributions: - **Employer Match**: Always meet the employer matching threshold. - **Automate Savings**: Schedule regular, automatic contributions. Tax planning is essential. Each plan offers distinct tax advantages. For instance, evaluating Roth options can provide tax-free growth and withdrawals. Diversify your investments to align with your risk tolerance and retirement goals. This diversification can mitigate risks and support growth over time. Consider the following diversifying tactics: - **Multiple Investment Types**: Balancing stocks, bonds, and funds. - **Risk Assessment**: Choose investments fitting your risk comfort zone. ![Visual representation of maximizing retirement contributions](https://images.unsplash.com/photo-1678924448210-1010a6ec3afc?crop=entropy&cs=srgb&fm=jpg&ixid=M3wzMjkxMTJ8MHwxfHNlYXJjaHwzfHxWaXN1YWwlMjByZXByZXNlbnRhdGlvbiUyMG9mJTIwbWF4aW1pemluZyUyMHJldGlyZW1lbnQlMjBjb250cmlidXRpb25zfGVufDB8fHx8MTc2NDA5MzMyOHww&ixlib=rb-4.1.0&q=85) by elisadventure (https://unsplash.com/@elisadventure\_photo) Implement these strategies to secure a robust retirement nest egg. The key lies in proactive planning and regular evaluation. ## Tax Implications and Roth Options Understanding tax implications is crucial when managing retirement accounts. Traditional 401k, 403b, and 457 plans offer tax-deferred growth. This means contributions reduce your taxable income now, but you’ll pay taxes upon withdrawal. Roth options, on the other hand, present a different strategy. With Roth 401k and Roth 403b, you pay taxes upfront. However, future withdrawals are tax-free, allowing for potentially significant savings in retirement. Choosing between traditional and Roth accounts involves considering your current versus future tax bracket. Evaluating this can optimize your tax strategy over time. Consider these factors when assessing Roth accounts: - **Current vs. Future Taxes**: Analyze how your tax bracket might change. - **Retirement Needs**: Decide if tax-free withdrawals align with your retirement goals. ![Tax advantages of traditional vs. Roth accounts](https://images.unsplash.com/photo-1609348820810-b2b6d5eb4849?crop=entropy&cs=srgb&fm=jpg&ixid=M3wzMjkxMTJ8MHwxfHNlYXJjaHw0fHxUYXglMjBhZHZhbnRhZ2VzJTIwb2YlMjB0cmFkaXRpb25hbCUyMHZzLiUyMFJvdGglMjBhY2NvdW50c3xlbnwwfHx8fDE3NjQwOTMzMjh8MA&ixlib=rb-4.1.0&q=85) by Jon Tyson (https://unsplash.com/@jontyson) Understanding these tax implications can ensure a smart, tax-efficient retirement plan. Balancing both types may provide flexibility and broader financial benefits. ## Investment Choices and Retirement Fund Growth Investment options vary across 401k, 403b, and 457 plans. Each offers different fund choices based on your plan provider. It’s vital to understand these options to align with your risk tolerance and growth goals. Diversification is key to managing risk and enhancing retirement fund growth. Allocating funds across different asset classes—such as stocks, bonds, and mutual funds—can help achieve a balanced portfolio. When assessing investment options, consider: - **Risk Tolerance**: Match investments to your comfort with potential losses. - **Growth Potential**: Focus on long-term growth opportunities. - **Plan Fees**: Evaluate fees to ensure cost-effective growth. ![Diversified investment portfolio](https://images.unsplash.com/photo-1618044733300-9472054094ee?crop=entropy&cs=srgb&fm=jpg&ixid=M3wzMjkxMTJ8MHwxfHNlYXJjaHw2fHxEaXZlcnNpZmllZCUyMGludmVzdG1lbnQlMjBwb3J0Zm9saW98ZW58MHx8fHwxNzY0MDkzMzI3fDA&ixlib=rb-4.1.0&q=85) by Markus Spiske (https://unsplash.com/@markusspiske) By carefully selecting and regularly reviewing your investments, you can better position yourself for steady retirement fund growth. This proactive approach aids in navigating market changes and securing future financial well-being. ## Managing Multiple Retirement Accounts: Coordination and Portability Having multiple retirement accounts can offer flexibility. However, proper coordination is essential for effective management. Ensuring that your 401k, 403b, and 457 plans work together can optimize your savings and growth. Portability is an important consideration when changing jobs. Understanding how to roll over or consolidate accounts can simplify financial management and potentially reduce fees. Consider these steps for effective management: - **Review Account Options**: Assess available plans for benefits and features. - **Consolidate Wisely**: Roll over old accounts when beneficial. - **Monitor Performance**: Regularly evaluate and adjust investments. By maintaining a strategic approach, you can maximize the advantages of having multiple accounts while keeping your retirement plan on track. ## Common Pitfalls and How to Avoid Them When managing retirement accounts, certain errors can hinder your progress. Avoiding these common pitfalls can significantly improve your financial outcome. Here are key mistakes to watch for and how to address them: - **Ignoring Contributions**: Failing to maximize employer matches. - **Withdrawal Missteps**: Incurring unnecessary penalties. - **Overlooking Fees**: Not reviewing plan expenses. By staying informed and proactive, you can steer clear of these challenges and protect your retirement savings from common financial missteps. ## Tailoring Retirement Account Strategies for Healthcare Professionals Healthcare professionals often juggle busy schedules with complex financial needs. Tailoring your retirement strategies can align better with your unique circumstances. Understanding each account’s benefits allows for optimized savings. Consider these strategies: - **Maximize Contributions**: Take advantage of higher income for more savings. - **Diverse Account Usage**: Utilize multiple accounts for flexibility. - **Plan for Early Retirement**: Use 457 plans for their withdrawal flexibility. By structuring your plans effectively, you can secure a substantial nest egg for a comfortable retirement. ![Healthcare professionals discussing financial strategies](https://images.unsplash.com/photo-1650821289306-ab3a7e5dbb84?crop=entropy&cs=srgb&fm=jpg&ixid=M3wzMjkxMTJ8MHwxfHNlYXJjaHw5fHxIZWFsdGhjYXJlJTIwcHJvZmVzc2lvbmFscyUyMGRpc2N1c3NpbmclMjBmaW5hbmNpYWwlMjBzdHJhdGVnaWVzfGVufDB8fHx8MTc2NDA5MzMyOHww&ixlib=rb-4.1.0&q=85) by Frugal Flyer (https://unsplash.com/@frugalflyer) ## Conclusion: Building a Secure Retirement with Tax-Advantaged Accounts Maximizing your 401k, 403b, and 457 plans plays a crucial role in securing your financial future. By leveraging the distinct benefits of each, you optimize tax savings and growth potential. Being proactive with your retirement strategies ensures a more comfortable and stable retirement. Evaluate your options regularly and adjust your approach as needed to maintain alignment with your goals. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) [](#_ftnref1) ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** BASICS, NEW, Other **Tags:** Maximize 401k 403b 457: Retirement Saving Tips --- ### [The Top 3 Estate Planning Mistakes Doctors Make](https://25financial.com/the-top-3-estate-planning-mistakes-doctors-make/) **Published:** September 13, 2018 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** Physicians are faced with challenges that require a different perspective on estate planning—there are no two ways around it. Sometimes just thinking about the estate planning process can be daunting enough—let’s not even talk implementation and keeping up with updates life or asset changes call for. With the right professional, the estate planning process doesn’t have to be that way. Here is a list of the top three estate planning mistakes we see doctors make… ##### 1. NOT HAVING A PLAN! The first of the top estate planning mistakes is the single greatest issue we see with a physician client’s overall life and financial planning – not having a plan. It is not that they think it is not important. It is simply that they have not gotten around to it or they don’t know where to start. As if residency, fellowship and early years in practice are not grueling enough, there are many questions that stall the process before it begins: “What do I even need to have in place?,” “How much will it cost?,” “How long will the entire process take?,” “Do I need an attorney or can I do it on my own?” and “Who will take our kids if we both die?” If you fall in this category, here are some questions to ask yourself: How do you feel about your state court deciding who will be the guardian of your minor children in the event of your premature death? Are you comfortable with your children receiving millions (from life insurance) at age 18 years old? How do you feel about your spouse remarrying and the new spouse having access to and discretion over your current marital assets? Experienced estate planning attorneys can help navigate these questions and more so there is clear direction when the time comes. ##### 2. THE OUTDATED AND/OR “UNFUNDED” ESTATE PLAN A few years ago, I sat down with a 53 year old anesthesiologist with 3 children between the ages of 14 and 19. When I asked him if he had an estate plan, he very proudly replied, “Yes!” I said, “That’s great!” and probed a little further. It turned out that the very basic plan was 10 years old and hadn’t been looked at since. Many of the terms and strategies in the plan no longer even accomplished his tax and family objectives. More importantly, after looking over his 20+ investment accounts, I asked him how it had been going keeping up with re-titling all of his accounts into his revocable trust over the last 10 years. He asked, “Re-what?” I soon discovered that he had never funded his trust (put his assets in the name of the trust). He was surprised to hear that his revocable trust was virtually useless to avoid probate and legal complications after death as it would only apply to assets owned by the trust—currently nothing. Your estate plan needs ongoing attention no different than other assets like your car or investment portfolio. Cars need tune-ups, tire re-alignments and oil changes and investment portfolios need to be consistently rebalanced to remain diversified. Likewise, with tax, family and net worth changes, your estate plan needs to be continually funded and updated. If it has been 3 years since you have looked at your estate plan, it would be a good idea to have it reviewed. ##### 3. THE “ONE-SIZE-FITS-ALL” PLAN For this small percentage of doctors who have properly executed their plan, there is still another hurdle. The plan is usually generic. For example, the assets are often distributed to the children 1/3 at 21, 1/3 at 25 and 1/3 at 30 (or something like that). To illustrate how this one of the top estate planning mistakes, I recently met with a doctor couple in San Francisco, CA with this distribution pattern. They would have an 8 million dollar (with life insurance) estate if they died today. Fortunately, they had just met with an attorney to draft their estate plan with the intent to take care of their 2 minor children. Unfortunately, the plan will likely do more harm than good to their children. I asked them how they felt about the possibility of their son getting over 1.5 million dollars automatically on his 21st birthday. It did not take long for them to consider the effects on their son (no matter how good of a young man he turns out to be) that a seven-figure automatic distribution could have. This, among other deficiencies in their generic plan, caused them to seek out a more tailored strategy that flowed from a more thoughtful and customized approach to estate planning. Doctors are not like the rest of the country. Higher incomes necessitate larger death benefits in the early years and higher net worth in later years. Either way, more money, more problems. A plan that might work for the rest of the country could actually do more harm to the physician family. Fore more, read this [Forbes article](https://www.forbes.com/sites/bobcarlson/2018/04/20/avoiding-7-deadly-estate-planning-mistakes/#d2c84b461602) on Avoiding 7 Deadly Top Estate Planning Mistakes --- *[Randy](https://25financial.com/meet-team-25/#randylarson) is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare private equity opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists.* ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other, PHYSICIANS **Tags:** Estate Planning, Top 3 Estate Planning Mistakes --- ### [Advantages and Drawbacks of Being an Independent Contractor](https://25financial.com/advantages-and-drawbacks-of-being-an-independent-contractor/) **Published:** September 14, 2018 **Author:** Randy Larson **Content:** What are the advantages of being an Independent Contractor with income reported on a 1099 versus an employee with income reported on a W-2? What, if any, are the benefits and drawbacks of being an independent contractor? Independent contractors will have to pay more in Federal Insurance Contributions Act (FICA) taxes but can deduct business expenses without the 2% of Adjusted Gross Income (AGI) limitation imposed on W-2 employees. Additionally, they will have to purchase their own health and disability insurances as they cannot participate in the employer’s group benefits. Finally, employees are limited by the IRS and business when contributing to pre-tax savings vehicles such as a 401(k), whereas independent contractors have fewer limitations allowing for better fund investment options and potentially larger pre-tax contributions thus pulling back their taxable incomes back. The determination of whether a worker is an employee or independent contractor is elucidated by applying a multi-factor approach to determine if the employee is economically dependent on the business, including the control the worker has, permanency of employment and the specialization of work the individual brings to the business. This brief assumes this determination has been made and focuses instead on the differences, drawbacks, and benefits of being an independent contractor. **There are three major categories of differences between independent contractors and employees outlined below.** **The categories are: taxes, insurance, and retirement plans.** There are two key differences between independent contractors and employees in the area of taxes. The first difference is what independent contractors are required to pay in Social Security and Medicare tax under FICA. The second regards the ability to deduct business expenses as an independent contractor. The first is a drawback to the independent contractor and the second is a benefit. The first difference between employees and independent contractors is how much they pay in FICA taxes. When you are an employee, your employer is required to withhold your portion of Social Security and Medicare tax (FICA taxes). Under FICA, 12.4% (2017 rate) of earned income up to an annual limit ($127,200 for 2017) must be paid into Social Security, and an additional 2.9% (on all earnings) must be paid into Medicare. As an employee, you are only responsible for one-half of these Social Security and Medicare taxes. Your employer pays the other one-half of these taxes. As an independent contractor, the contracting business may be required to give you Form 1099-MISC to report what it has paid to you. Independent contractors are responsible for paying their own income tax and may be required to make estimated tax payments throughout the year. Also, in contrast to employees, independent contractors must pay for both the employer’s portion and the employee’s portion of the Social Security and Medicare taxes. In other words, the employee pays 7.65% in FICA taxes (using 2017 rates) on his first $127,200 of earned income and then 1.45% on income above that. In contrast, the independent contractor must pay 15.3% in FICA taxes on his first $127,200 of earned income and then 2.9% on all income above that. For example, consider $200,000 of earned income for 2017. An employee would pay $15,300 in FICA taxes on the first $127,200 (7.65% of $127,200) and then $1,055.60 (1.45% of 72,800) on the remaining $72,800 ($200,000 – $127,200). This is a total of $16,355.60 in FICA taxes as an employee. An independent contractor, on the other hand, would pay $19,431.00 (15.3% of $127,200) in FICA taxes on the first $127,200 and then $2,111.20 (2.9% of 72,800) on the remaining $72,800. This is a total of $21,542.20 in FICA taxes for the independent contractor. This is $5,186.6 more than the employee will pay. There is a strategy that many accountants and attorneys employ to mitigate this FICA tax. Instead of the 1099 income coming directly to the independent contractor, the income goes to a business entity (Limited Liability Company (LLC), Professional Corporation (PC), etc…) that is owned by the independent contractor. Then the independent contractor will take a W-2 salary from their own business entity. The IRS requires this salary be “reasonable.” The contractor will only pay the FICA taxes on the salary that comes from the business entity. Any money left in the company after the salary can be distributed to the contractor as a K-1 distribution and does not result in any FICA tax. Please contact your tax advisor for more information on this strategy. As an aside, the Affordable Care Act contains a provision that institutes an additional 0.9% Medicare tax on higher income earners over certain thresholds beginning in 2013. The threshold is $200,000 ($250,000 for married taxpayers who file jointly). This 0.9% tax is the same whether you are an independent contractor or an employee. The second difference between employees and independent contractors is in their ability to deduct business expenses on their taxes. Employees may deduct unreimbursed business expenses on Schedule A of their income tax returns, but only if they itemize deductions and only if their unreimbursed business expenses exceed two percent of the their AGI. In contrast, independent contractors may deduct all qualifying business expenses on Schedule C of their tax returns and receive a dollar for dollar deduction for these expenses from the very first dollar. Consider the example of $200,000 earned income. An employee would have to spend $4,001 in business expenses to get a $1 deduction. In contrast, every dollar that the independent contractor spends in qualifying business expenses is deductible. Employees are often protected from liability for acts done within the scope of employment by an insurance policy held by the employer or are otherwise indemnified by the employer. An independent contractor must purchase his own liability insurance. Given the size of the business, employers often offer their employees discounted life, health, and disability insurance as a part of a group plan of benefits offered by the employer. An independent contractor will be required to purchase his own life, health, and disability insurance, which may be more expensive since the independent contractor is not part of a larger group. Employers are required to pay unemployment (FUTA) taxes on their employees’ wages and maintain worker’s compensation coverage for their employees. Independent contractors are not provided these benefits and will not be entitled to unemployment compensation during periods of unemployment or compensation for disabilities incurred while performing their contracted duties. Employers often offer employees a retirement benefits package that includes a fully or partially funded retirement plan or 401(k) plan. Often, employers will match employee contributions up to a certain level of elective deferrals. Access to the plan offered by the employer may limit an employee’s ability to utilize other potential retirement savings and investment plans. Independent contractors must set up and fully fund their own retirement accounts. The benefit for employees is that they can potentially get an employer match, but employees are limited to thresholds such as $18,000 (in 2017) per year for 401(k) and 457(b) contributions. Furthermore, they are limited to the employer’s plan provisions including vesting schedules, eligibility requirements, and limited investment options. It is not unheard of for some solo or small physician practices to have a 1-2 year waiting period before the employee can contribute at all. Or worse yet, the solo or small practice does not offer a pre-tax savings option at all. In contrast, an independent contractor can implement any or a combination of several types of retirement plans including an individual 401(k), SEP (Simplified Employee Pension), Defined Benefit Pension Plan, and Money Purchase Plan. Not only are there no limitations from the employer (vesting, fund options, etc…), but the IRS also allows the employee to put more money away pre-tax in these plans. For example, the employee can put away up to $54,000 pre-tax in their SEP in addition to $18,000 in their Individual 401 (k). Although independent contractors will pay more in FICA taxes and be required to procure their own health and disability benefits, they do not have to meet a 2% threshold in order to take their first dollar of business expenses as a deduction and they can potentially put more money away in their pre-tax savings plan thus pulling back their taxable income. **TERMS OF USE** The information contained in this memorandum is for general information purposes only. It does not constitute legal advice and should not be used or relied upon as such. Any liability that might arise from any use or reliance on the contents of this document is expressly disclaimed. Nothing contained herein should be construed as creating or intending to create an attorney-client relationship or as legal advice. Until a formal attorney-client contract/retainer agreement is signed by both you and the firm, no statement contained herein should be construed as legal advice and we will not take any action to protect your rights. **IRS CIRCULAR 230 NOTICE:** To comply with the U.S. Treasury regulations, we must inform you that (i) any U.S. federal tax advice contained in this memorandum was not intended or written to be used, and cannot be used, by any person for the purpose of avoiding U.S. federal tax penalties that may be imposed on such person and (ii) each taxpayer should seek advice from their tax adviser based on the taxpayer’s particular circumstances. --- *Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare private equity opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists.* ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** BASICS, Other, PHYSICIANS **Tags:** Advantages and Drawbacks of Being an Independent Contractor --- ### [5 Factors Physicians and Other High Net Worth Investors Should Consider Before Investing in Alternative Investments](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) **Published:** April 13, 2020 **Author:** Jeff Larson **Content:** Written by: Jeff Larson, Managing Partner, Advisor Alternative Investments are [investment opportunities](https://www.investopedia.com/terms/a/alternative_investment.asp) that do not fall in the traditional categories of stocks, bonds or cash. Some examples may be private equity, hedge funds, limited partnerships and commodities. Our industry might call these “racehorse” investments as their intention is to out-perform traditional stock and bond investments (the “workhorse”). We believe that both the racehorse and workhorse investments are important to a well-diversified portfolio. Alternatives are not directly correlated to the public markets, and as a result, they can offer more diversification to high net worth individuals during times of volatility. Keep in mind that investors must meet the SEC’s definition of an accredited investor in order to participate in the majority of alternative investments. These investments carry more risk as they are not liquid and do not have the same regulation oversight as the traditional market. Investors should consult with their advisor or they can contact a 25 advisor to determine if they are eligible to participate. Simply knowing that alternative investments are important in a portfolio is not enough. In fact, these investments can be detrimental to a portfolio without proper due diligence and compliance oversight. In addition to a scrupulous due diligence review of each investment, there are some general considerations that will help investors weed out the “bad apples.” We have listed 5 key topics accredited investors should inquire of any alternative investment before further consideration of investing their hard-earned money. None of the following 5 factors are necessary nor sufficient on their own. But collectively, they will help guide investors to a better decision. The following 5 points are intended to educate accredited investors as they explore which alternative investments are best suited for their portfolio. ## Full Cycle In the words of “Mr. Wonderful” on Shark Tank: “Are you an Entrepreneur or ‘Wantrepreneur’”? With alternative investments, this happens when a fund “fully cycles” meaning the entire fund has been purchased and liquidated and all capital and appreciation has been returned back to investors. Investors should look for the purchase price, purchase date, sale price, and sale date of each asset in the fund to determine the internal rate of return of the fund. Do not confuse fund with asset. A fund is generally made up of several assets which adds more diversification. Investors invest in the fund and an asset is simply one investment in the fund. Some companies like to highlight a specific asset going full cycle but this is not usually their black eye. One or two winners might not make up for the four assets that failed. If a company is asking for investor capital but has not proven that they can deliver results, they might still be “wantrepreneurs” and investors should proceed with caution. ## Whose Money “Put your money where your mouth is” before asking for mine. What dollar amount and percent of the fund is made up of internal dollars (meaning, the Company, CEO, Owner, Principal, or any other relevant title)? The investor should be one of the last to put their money into a fund. Let the sponsoring Company invest their dollars first, purchase a few assets, generate some cash flow, and then investors know they are not the only ones with “skin in the game.” ## Proprietary “If all that you have is a hammer, everything is a nail.” Some investors will be approached by their financial advisor to invest in their company’s fund as the only option. Not only does this possibly give rise to a conflict of interest (especially if the advisor also has ownership in the fund directly or indirectly through ownership of the financial firm that owns the fund) but it is also unlikely that the Company’s one option fits all investors. Also, diversification among alternative investments is helpful to reduce risk and impossible when there is only one option from which to choose. Investors would do well to ask their advisor if there are funds available that are not owned by the advisor’s company. ## Cash on Cash Return “Show me the money!” If $50,000 left your bank account as your initial investment, what dollar amount is expected to go back into your account and in what timeframe? This can be confusing, don’t let it be. Some “companies” at this point may talk faster, connect dots that don’t exist and explain details like depreciation that do not make sense. Each company runs accounting differently. It is the companies’ responsibility to explain and not the investors’ to understand. Do not let up on this point – “I invested $50,000 and I only see $30,000 returned to my account in 3 years. When can I expect the remaining $20,000 and how much (and when) will the remaining appreciation beyond the $50,000 be paid to my account?” ## Leverage This final point is very important to understand, especially in the midst of our Covid-19 pandemic. The more debt a fund has, the greater the risk. Some companies increase the leverage (debt) of the fund in order to boost returns. But during a market downturn where assets lose value, banks may require an infusion of cash to keep the loan to value ratio in range. If the payment is not made, the bank may foreclose resulting in a loss of investor capital. If the fund has minimal debt, the values have more room to drop before triggering the potential bank loan call. Also, interest rates may increase which of course apply pressure for the fund to perform profits or even remain sustainable. Debt policy and how well capitalized the company in the event of a downturn or interest rate hikes are very important to understand. ## Summary Alternative investments can be a very powerful part of diversifying a portfolio and may minimize market risk. These five simple takeaways will help lay groundwork as a guide to becoming more knowledgeable of opportunities in the alternative investment world. **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Great Point Capital, LLC are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation* *Securities offered through Great Point Capital, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through 25, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/3ce26b189a654243b1ef63bdcf259b0db08761636bdaa0b795132d2dd26e8611?s=300&d=mm&r=g) Jeff Larson [See Full Bio](https://25financial.com/author/jeff-larson25financial-com/) [ ](https://25financial.com/author/jeff-larson25financial-com/) **Categories:** Alternatives, Home Page, Other, PHYSICIANS, TOP **Tags:** Alternative Investments, Featured --- ### [4 Reasons Physicians And High Net Worth Investors Should Consider Alternative Investment Funds in Their Portfolio](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) **Published:** April 23, 2020 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** With recent market events, many Doctors are asking, “Should I consider alternative investment funds in my financial portfolio?” In 2008-09, Physicians in even moderate stock and bond portfolios lost a quarter of their investable net worth in a matter of months.1 In 2020, that loss took only a few weeks. Even with a steep market rebound, it can take years for a portfolio to reach the prior-to-downturn values.2 The financial and emotional toll this dramatic loss of hard-earned dollars elicits is hard to calculate especially when Doctors are nearing retirement while simultaneously losing a portion or all of their income due to Covid-19. At this point, [disciplined investing](https://25financial.com/outrun-investors-with-disciplined-investing/) goes out the window and the “buy gold” commercials begin to look appealing! Some Physicians and Dentists even consider the cumbersome and risky prospects of buying real estate and becoming landlords. Of course, most Doctors will get busy again, suffer paralysis from analysis, and do nothing. The result is a stockpiling of hundreds of thousands and millions in CDs, money markets and savings accounts (all currently earning less than the rate of inflation). But anything is better than watching your worst financial nightmare unfold in a matter of weeks, beholden solely to the stock and bond market. Is there another way? Figure 1 illustrates that many Ultrahigh Net Worth3 investors and Trustees of Endowments and Foundations seem to think so. In fact, many Foundations and Endowments have allocated over half of their assets outside of the traditional stock and bond market into “alternative investment funds” the since the 1980s with retail investors catching on around 20 years ago.4 ![Where investors put their money - financial planning for doctors. Alternative Investment Funds](https://25financial.com/wp-content/uploads/2020/04/where-investors-put-their-money-scaled-e1587650290596.jpg "where investors put their money - 25 Financial - 25 Financial") Figure 1 What Is An Alternative Investment? Alternative investments can be defined as investments that do not fall in the traditional categories of stocks, bonds or cash. Some common examples are private equity5 or venture capital6, hedge funds7, limited partnerships, commodities and real estate. Most alternatives are illiquid, not regulated by the SEC and only accessible to accredited investors as defined in figure 2. For these reasons, [alternative investment funds may carry more risk and should be vetted carefully](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) before investing. Investors should partner with an [experienced due diligence and compliance team](https://25financial.com/) before participating in alternative investment funds. ![Who is an accredited investor? Alternative Investment Funds](https://25financial.com/wp-content/uploads/2020/04/who-is-an-accredited-investor-293x300.jpg "who-is-an-accredited-investor - 25 Financial - 25 Financial") Figure 2 ## 4 Reasons to Consider Alternative Investment Funds ## Dwindling Public Market vs Growing Private Market There are far fewer publicly listed companies in the U.S. today than there were in the mid-1970’s8, despite the fact that the GDP is three times larger now than it was then.9 This is in large part due to the 50% drop in publicly listed companies in the U.S. from 1996 to 2016 as shown in figure 3a. This drop is a result of an increase in mergers and acquisitions and decrease of IPOs over the last 20 years. Companies are also choosing to stay private for many reasons including the compliance and regulatory costs of being public. As indicated in figure 3b, this results in a much more crowded space for investors who, for example, rushed to invest close to $8 trillion in the S&P index alone in 2017.10 In contrast, there are millions of private companies and yet only $2.8 trillion under management in the entire private equity industry in the same year.11 In fact, as figure 4 indicates, only a fraction of the largest 185,000 companies in the U.S. are public companies.12 In light of the vast number of private companies, and the increased funding towards a dwindling number of U.S. public companies, the principles of diversification would suggest considering allocating at least a portion of an accredited investor’s portfolio toward private companies. And yet, according to one study, alternative investments only account for 7.2% of wealth manager’s assets under management in 2017.13 This is in part because, unlike Physicians, only around 10% of U.S. investors are accredited and do not have access to most alternative investments. Many wealth management companies cannot allocate adequate resources to build the necessary due diligence platform for such a small fraction of their client base and therefore choose to avoid alternative investments altogether. The result is that their clients cannot exit the volatile and competitive “red ocean” of stocks and bonds and explore the “blue ocean” of alternative investments *alongside* low cost index funds. ![Dwindling public market vs growing private market for alternative investment funds](https://25financial.com/wp-content/uploads/2020/04/listed-companies-in-market-1024x535.png "listed companies in market - 25 Financial - 25 Financial") Figure 3a and 3b ![Largest companies in the US - private companies vs. public companies, Alternative Investment Funds](https://25financial.com/wp-content/uploads/2020/04/largest-companies-in-the-US.png "largest companies in the US - 25 Financial - 25 Financial") Figure 4 ## Diversification Through Non-Correlation The goal of diversification is to reduce volatility over time and therefore increase the investors’ potential return. A common strategy to decrease volatility in a portfolio is investing in non-correlated assets. Non-correlated or negatively correlated assets do not move in tandem with each other and might move in opposite directions under a variety of market conditions. Holding non-correlated assets reduces volatility in a portfolio as an asset on the rise may offset another asset’s declining returns. Many investors hold bonds in hopes that they will be negatively correlated to their stocks. But as figure 5 illustrates, there are decades with high correlation between stocks and bonds resulting in less diversification and greater volatility in a stock and bond portfolio. Alternative investments, on the other hand, are consistently non-correlated with stocks and bonds. When the Dow Jones declined by 28% in 4 weeks this year,14 it does not predict what will happen to non-correlated alternative investments in that same timeframe. Diversifying into non-correlated alternative investment asset classes can at the least shelter a portion of your portfolio from market crashes and might even offset losses with gains. ![Long term bond vs. Equity Correlation, Alternative Investment Funds](https://25financial.com/wp-content/uploads/2020/04/Bondsequities1.png "Long term bond vs. Equity Correlation - 25 Financial - 25 Financial") Figure 5 ## Out-Performance Physicians often do not have the luxury of investing in lower performing portfolios if they want to reach their goals. Unlike other professionals, Physicians usually do not begin to invest until their mid-30’s and also need larger retirement incomes to keep pace with their in-practice lifestyles. This requires “racehorses” alongside “workhorses” in their portfolios. But, as figure 6 indicates, the smaller the allocation towards alternative investments fund, the higher the return will have to be to achieve your target portfolio return. As figure 7 indicates, private market performance has the potential to outpace public markets over time. One fundamental reason is the legal use of “insider information.” Public companies are well researched, stock prices quickly reflect new data that is accessible to everyone and news spreads in seconds. This is not the case with private companies. Consider a hypothetical real estate opportunity in the expanding downtown Phoenix, AZ market. Of the six high-rise luxury condominiums being built, you discover that one has been awarded a $4M tax credit. This is a factor that is not well-publicized but would be “insider information” that is important in your decision to invest. There are hundreds of [factors to consider when considering private investments](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) and unlikely that you will obtain and stay apprised of the necessary information to make well-informed decisions. It is important to have an experienced due diligence, compliance, and advisory team to help vet companies that have a proven track record and access to more information in their sector than the general public. Beware of advisors that solicit money from clients to invest in their *own* company’s alternative investments. There can be hidden fees and significant conflicts of interest. Choose a due diligence and advisory team that demands and displays transparency of fees from all parties. The level of due diligence required is beyond the expertise and time that most physicians and high net worth investors can offer. In fact, even fund managers have a varying degree of success. As Figure 8 indicates, the spread between top and bottom managers in private equity, for example, is massive. Investing in private markets without a high-quality due diligence and compliance team can be detrimental. On the other hand, with an experienced team, physicians and high net-worth investors can reach their goals more efficiently and with potentially less overall risk. ![Allocation to Alternatives investment funds for target portfolio return - financial planning for physicians](https://25financial.com/wp-content/uploads/2020/04/25-Alternative-Invesments-Allocation-v3-scaled-e1587650336491-1024x312.jpg "25-Alternative-Invesments-Allocation-v3 - 25 Financial - 25 Financial") Figure 6 ![Private equity returns vs public market - financial planning for physicians, Alternative Investment Funds](https://25financial.com/wp-content/uploads/2020/04/private-equity-returns-vs.-public-markets.png "private equity returns vs. public markets - 25 Financial - 25 Financial") Figure 7 ![Private Equity Interquartile Spreads - wealth management for doctors, Alternative Investment Funds](https://25financial.com/wp-content/uploads/2020/04/private-equity-interquartile-spreads.png "private equity interquartile spreads - 25 Financial - 25 Financial") Figure 8 ## Tax Strategies Physicians are always on the prowl for creative ways to decrease their tax liability. Alternative investment funds can offer many solutions including the Intangible Drilling Cost (IDC) deduction under IRC Section 263(c). Investors in oil or natural gas drilling partnerships are able to expense in the first year of drilling, any costs that do not have salvage value (like fuel and rig rentals, drilling crews, etc…). Some companies offer a deduction of 80% of the original investment in the first year. IDC deductions are “above the line” and therefore reductions of the Physicians’ active income. For example, if a Physician invests $100k in a natural gas limited partnership with 80% IDC deductions, they will receive a K-1 from the partnership showing an $80k above the line loss in the year of investment. If the Doctor makes $600,000 total income, they will be taxed as if they only made $520,000. At a 40% effective tax rate, this will save 32k in taxes that year. These strategies are particularly powerful when a Physician sells their practice and incurs large gains in the year of sale. 1 “Investors in a 60/40 portfolio lost 20% on a monthly basis only four times in the last 75 years including 2020. These were all within months of the trough of major bear markets, where a low was yet to come. The other three instances were in 1974, 2002, and 2009 and it took between 10-20 months for a 60/40 portfolio to recover.” < 2 For example, the once 1M portfolio is now worth 750k and a 250k gain (to reach 1M) is much more difficult to reach from 750k than starting from 1M. 3 The high-net-worth club is usually around $1 million in liquid financial assets. The upper end of HNWI is around $5 million, at which point the client is then referred to as “very HNWI.” More than $30 million in wealth classifies a person as “ultra HNWI.” 4 “Since 2000 private equity, private credit, and hedge funds have surged from just a trillion dollars combined to $8.3 trillion, compounding assets at roughly 11 percent per annum. And by 2023, Preqin forecasts that alternatives will hit $14 trillion in total.” 5 Private equity is generally comprised of a combination of investors and funds that make investments into private companies to fund new technology or products, expand product suites within an owned company, make acquisitions or to buy out public companies (converting them to privately held companies). 6 Venture capital is a subset of private equity that specializes in investing in the early, or growth phase, of a company. These investments tend to be more risky. 7 Hedge funds are privately offered investment funds created by combining the capital of multiple investors to invest in securities and other financial assets. Hedge funds often employ hedging and techniques using long and short positions, leverage and derivatives and investments in multiple foreign and domestic markets, with the goal of generating high returns. 8 When the Wilshire 5000 Total Market Index was established to capture the 5,000 or so stocks with readily available price data. 9 Interestingly, listings in other developed countries rose 50% in the same time period. [https://research-doc.credit-suisse.com/docView?language=ENG&format=PDF&sourceid=em&document\_id=1072753661&serialid=h%2B%2FwLdU%2FTIaitAx1rnamfYsPRAuTFRGdTSF4HZIvTkA%3D](https://research-doc.credit-suisse.com/docView?language=ENG&format=PDF&sourceid=em&document_id=1072753661&serialid=h%2B%2FwLdU%2FTIaitAx1rnamfYsPRAuTFRGdTSF4HZIvTkA%3D) 10 S&P Dow Jones Indices, February 28, 2018 11 2018 Preqin Global Private Equity and Venture Capital Report 12 In response, some analysts focus on the value or market concentration of publicly listed companies (rather than the number of listed U.S. companies) arguing that public market investors can still participate in the growth of the U.S. economy. But this does not negate that accredited investors should consider both private and public companies to remain diversified. Sources: ; 13 [https://www.fa-mag.com/news/nearly-40–of-u-s–advisors-use-alt-investments–study-says-41078.html](https://www.fa-mag.com/news/nearly-40--of-u-s--advisors-use-alt-investments--study-says-41078.html) 14 **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Great Point Capital, LLC are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation* *Securities offered through Great Point Capital, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through 25, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Alternatives, Home Page, Other, PHYSICIANS, TOP **Tags:** alternative investment funds, Alternative Investments, Featured, Physician Financial Planning --- ### [Top 5 Financial Mistakes Residents Make](https://25financial.com/top-5-financial-mistakes-residents-make/) **Published:** January 22, 2021 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** As a resident, you have worked hard and risked much to get this far in your career. Your time is absorbed by long and draining days at the hospital and whatever fumes you have left are reserved for your families and personal lives. [Financial Mistakes Residents Make Blog Post](https://25financial.com/wp-content/uploads/2021/01/Financial-Mistakes-Residents-Make-Blog-Post-1.pdf) ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other, PHYSICIANS **Tags:** Top 5 Financial Mistakes Residents Make --- ### [The WHAT and the WHY](https://25financial.com/the-what-and-the-why/) **Published:** April 21, 2023 **Author:** Terry Tsue, MD FACS **Content:** **Written by: Terry Tsue, MD FACS\*** **We at 25 Financial are thrilled to announce Terry Tsue, MC FACS, as a guest contributor to the 25 Financial Blog.** As a Head and Neck surgeon, and the former Vice President and Physician in Chief of the University of Kansas Cancer Center and Vice President of Physician Services for the University of Kansas Health System, Dr. Tsue has a wealth of knowledge, experience, and credibility in the area of physician lifestyle and culture. This, coupled with his passion to share his experience with the next generation of physicians, makes Dr. Tsue an incredible resource for those we serve. We are confident that these regular contributions will greatly benefit you as you partner with us to live your life to its fullest potential. ## **The *“WHAT”* and the *“WHY”* – Terry Tsue, MD FACS** Congratulations on taking time away from your everyday, every-minute commitments to pause and think about where you are, where you are going, and where you want to be. As we get to know each other, let’s start by asking these questions of ourselves: *“What is my what?”* and “*What is my why?”* While both the *what* and *why* of life are important, we need to know the difference between the two so that we can give the appropriate amount of attention to each. **Your *“WHAT”*** What is my *what*? For most, the *what* is found in material things. Money is a classic example of a lowest common denominator *what*, but other things fall into the category, as well. Possessions, appearances, strength, power – each are significant. However, it is vital to understand that the *what*, no matter how appealing it can be, is only a means to get to your *why.* There are a lot of sources and recommendations to help us accumulate the *what*, and though some accumulate better than others, we all get pretty good at it. In fact, it’s probably one of the easiest things we do- getting paid to do what we love. While we will spend some time together in the future learning to get better at the *what*, we must first define the *why* that we are working so hard to achieve. **Your *“WHY”*** What is my *why*? The *why* is something you learn more about as life goes on. Unlike your *what’s*, *why’s* aren’t very quantifiable, but once you’ve experienced a *why*, you won’t ever lose that memory. Try to remember instances and experiences that you just sat there and uncontrollably smiled, laughed ’til you fell on the ground or temporarily forgot all the stress of your daily life. Remember those experiences that gave you a full sense of joy, happiness, contentment, fulfillment, accomplishment, gratitude, excitement, anticipation, calm, gratification, love, grace, or relief. Those experiences point to your *why.* Unlike the *what*, we aren’t very good at defining, preparing for, or achieving our *why*. Each of us have seen those who have plenty of *what* but not enough *why*. Even worse, some spend their whole life building the *what* kingdom but are cut short from experiencing their *why* because of one CT scan result or icy road stoplight. Let’s not do that. Instead, let’s find the way to utilize our *what* to achieve our *why*. **Connecting the *“WHAT”* and the *“WHY”*** Once you understand and are intentional about your *why*, having enough *what* to provide for your *why* is important. Recent research (2023) by *Killingsworth et al.*1 has shown an overall “linear-log” relationship between happiness and income. The research also showed “for higher incomes, …very happy people gain much more from increased income than unhappy people do. The upper part of the happiness distribution rises with log(income) at an accelerated rate in that range…”. In other words, the better you are at your *why*, the more *why* you gain from your *what* investment. The goal of this contribution is to encourage you to discover your *why* while teaching you to build your *what*, giving you the freedom to experience life at its fullest potential. So, let’s get at it and learn from each other. I look forward to our journey together. \*Terance Tsue MD FACS, as Manager of TTTsue LLC 1 Killingsworth, M.A., Kahneman, D., Mellers, B.: “Income and emotional well-being: A conflict resolved”, Proc Natl Acad Sci USA 120(10) e2208661120 (2023) **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Arete Wealth Management are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* *Securities offered through Arete Wealth Management, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through 25 Financial, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/4964572f93104de71ed32211ec2562992638a5fbb0938d3947480971a5876c95?s=300&d=mm&r=g) Terry Tsue, MD FACS [See Full Bio](https://25financial.com/author/terrytsue/) [ ](https://25financial.com/author/terrytsue/) **Categories:** Other --- ### [Flip the Switch](https://25financial.com/flip-the-switch/) **Published:** June 23, 2023 **Author:** Terry Tsue, MD FACS **Content:** **Written by: Terry Tsue, MD FACS\*** ### **The Multi-tasking Myth** I missed 27 years of a beautiful Japanese maple tree blooming right under my nose. (Read the full story in my last post.) Somehow, though I drove in and out of my driveway at least six times a day, that annual vivid red eluded my view. After asking myself, “What else have I missed?”, I wanted to get to the bottom of my next question – “How did I miss that?” ![](https://25financial.com/wp-content/uploads/2023/06/Screen-Shot-2023-06-23-at-12.26.10-PM.png) In my determination to learn to see and experience the life around me, my eyes were opened to two important life lessons: (1) See the why and (2) Grow the what. For today, let’s focus on seeing the why. I realized in my Japanese Maple experience that I had a classic case of “change blindness”. Simply put, attention is needed to see changes. Cognitive research shows a phenomenon called “change simultagnosia” whereby “although attention can be distributed to 4–5 items at a time, only a single change can be seen at any moment”.1 This insinuates that our attention information gets pooled into a single collection nexus – an attention center. I missed the tree because I was continuously and consistently overwhelming my attention center. I was focused on chasing the what, leaving no room to see the why. I was always attempting to multi-task – performing a procedure while listening to the pulse-oximeter, telling a joke, AND checking the strike price of a call option (I can neither confirm nor deny that allegation). Despite science showing pervasive performance costs when multitasking, 2 I can see why it’s so tempting to believe we are the exception. When we have two, three or four things going on, we can somewhat keep progress going in parallel areas when our full physical attention and focus aren’t required. While I can understand the necessity of multi-tasking in the workplace (especially in medicine), my question was this – do we need to multitask life? It was time for a change. I didn’t want to miss anymore “trees.” ### **Being Present for the Present** They say the hardest part of change is realizing a change needs to be made, but inertia is a difficult force. It feels safer to keep our pattern than it does to change the seemingly successful algorithm of what we already do for a majority of the week. Think about work at work, think about work at home. Multitasking. I called it being always “on”. The consequences of keeping this pattern can be high. Try not being fully present at your anniversary dinner with your spouse or lunch with a friend. It’ll get lonely pretty quickly. I realized that being always “on” not only was causing me to miss many “tree” experiences, but it was also cutting into my ability to remember the few meaningful things I did experience. ### **Flip the Switch** I had to find my switch to turn my “on” off. I also needed to recognize when to flip that switch. Believe me, it’s a process. My journey felt a bit like participating in A.A., with 12-something steps and frequent falling off the wagon. But today, I am finally able to appreciate life experiences with “Tourist Eyes”, allowing me to see things just like I was experiencing them for the first time! The key for me was to learn to intentionally turn the switch “off” for moments every day (not just on vacation). My encouragement and hope for you is that you find your switch. Learn to use it wisely and dive deep into more than just your work – stop and appreciate your Japanese Maple. Now go outside, get some vitamin D, and open those tourist eyes. Talk soon. \*Terance Tsue MD FACS, as Manager of TTTsue LLC 1 Simons, D.J. & Rensink, R.A.: “Change blindness: past, present, and future” Trends in cognitive Sciences, 2005 9(1):16- 20 ![author avatar](https://secure.gravatar.com/avatar/4964572f93104de71ed32211ec2562992638a5fbb0938d3947480971a5876c95?s=300&d=mm&r=g) Terry Tsue, MD FACS [See Full Bio](https://25financial.com/author/terrytsue/) [ ](https://25financial.com/author/terrytsue/) **Categories:** Other --- ### [Oasis, International](https://25financial.com/oasis-international/) **Published:** July 10, 2023 **Author:** Randy Larson **Content:** ![](https://25financial.com/wp-content/uploads/2023/07/oasis_mark-1024x576.jpg "oasis_mark - 25 Financial - 25 Financial") **Written by: Randy Larson, J.D., LL.M.** ### **Oasis International Ministries** What a great opportunity St. Louis to help Afghan men who served next to our U.S. military, being their translators, drivers, and fellow soldiers! We do our best to honor them and their families as we do our own veterans. One Afghan refugee father told us “I didn’t want my children, especially my girls, to grow up in a war zone, constantly running and hiding from exploding bombs and seeing people killed. I feel like there is a bright future in America. “ Oasis International heart is to be a part of that bright future that so many refugee families are longing for. **The MISSION of Oasis International Ministries,** located in the Bevo Mill area of South St. Louis is “**To love and care for those seeking refuge from a war torn country with the heart of Jesus”.** It is our joy to help the refugee families in practical ways, transforming their house into a home by giving them furniture, household items, small appliances, shoes and clothes. Learning English is a necessity to survive in a new country. Oasis’ English and citizenship classes are provided, with childcare available. Baby showers are hosted for pregnant moms. Monthly BBQ’s are held to promote community and provide a fun time for refugees from around the world. Refugee families have been through the trauma of war, losing family and friends, leaving their home, their jobs and their country. They are so grateful to be in the United States and yet so lonely. They have many needs when they arrive to our city. An immediate need is for a good paying job and transportation to their workplace. Often they must walk, ride a bike or take many busses to get to work. They need money to purchase their own new clothes. Cars are also at the top of their needs’ list. We are also always collecting regular supplies they cannot buy with food stamps such as, toilet paper, paper towels, laundry soap, shampoo and personal hygiene items. We are so grateful to 25 Financial for their heart to make an impact on the lives of the refugee families. Oasis International has been so blessed to get to know Randy and Kim and the staff of 25 Financial. The love and compassion they have for our refugee friends as well as the Kirkwood community is amazing. We know Jesus said to “Welcome the stranger” in our city is to Welcome Him. Monetary donations will be used to purchase clothes, shoes, bicycles and even cars for these new families coming to our city. Tax receipts are available for in kind gifts and cash donations. ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other --- ### [5 Tips for Flipping the Switch](https://25financial.com/5-tips-for-flipping-the-switch/) **Published:** July 26, 2023 **Author:** Terry Tsue, MD FACS **Content:** **Written by: Terry Tsue, MD FACS\*** ### **ON vs. OFF** I learned the hard way that in addition to an “off” and “on” switch, light switches have an “off” and “on” orientation. (My electrician friends, who had to fix several of my DIY installs, are still laughing at my lack of electrician expertise.) The power supply status of the light doesn’t just change when you flip the switch the opposite direction. When installing a light switch, you must make sure it’s not upside down with the subtle imprint on the switch toggle saying FŌ and NO or as you read them “FFO” and “NO” (get it?). Been there, done that. It seems I also learned the hard way that my work has an “off” and “on” switch, and that knowing about the switch was not enough. I had to learn how to *find* the switch, then how and when to turn it off. For decades, my switch was always on- day and night. I was walking through life like a porch light, and sadly, I know I am not the only one who has experienced that perpetual glow. Society influences us, especially in medicine, to OVER self-identify with performance. SATs, MCATs, grades, extracurriculars, letters of recommendation, the “Match,” fellowship interviews, patients/hour per exam room, OR turnover time and the wRVU. Sound familiar? It’s drilled into us from early on, we are what we “do.” I heard in some places, it’s even competitive to get into preschool! I was caught up in this way of life, this miss-the-maple existence.[\[1\]](#_ftn1) Then came the pandemic. You remember as well as I do how the world changed in just a few days. The adrenaline kicked in, the thinking caps tightened and the best of each of us had to show up. Our light had to be brighter and more intense than ever before. Along with the superhero in us, came new fear and the daily, sometimes hourly, helpless exposure to death and the frailty of human life. But, while we watched the world spin into temporary chaos and we worked with an intensity we never knew was possible, something else happened. Something new. Something no one saw coming. We stopped. We stopped running from here to there, swiftly pecking our wives on the cheek to run out the door and beat the traffic. We stopped the crazy hustle and over-filled social schedule and traded them for quiet, slow moments inside the doors of our own homes. So much of our lives had to be forcibly and abruptly turned OFF. Though we were maxed out at work with the constant barrage and need for MacGyver-like creativity[\[2\]](#_ftn2), we were almost completely shuddered outside of work. *We had enough pause to become better attuned to our personal and family’s own needs.* ### **YOU ARE MORE THAN YOUR WORK** Those sit-at-the-dinner-table nights gave us a beautiful gift. Now that the pandemic firestorm has calmed, something’s different, right? **You learned that you have a switch.** Good job! That’s the first step. Now let’s learn to turn the switch off. A side-effect of living through a pandemic is realizing you have to be and *are* more than just your success at work. When you value your successes outside of work, you make it easier for yourself to celebrate all aspects of your life and to become comfortable with turning off your work switch when it’s possible. Here are 5 tips that helped me turn off the switch (and make OFF mean OFF): 1. **I schedule myself** into my calendar. Prioritize you and yours like you do your work. This can be done daily, but it’s especially important in evenings and on weekends. This will not only help you make a more realistic work productivity expectation for yourself, but science shows “ME” breaks can boost productivity through reducing fatigue and potential performance improvement[\[3\]](#_ftn3). The rising tide raises all boats. 2. **I multitask me** so I don’t feel like I am slacking, as my own guilt can ruin my best intentions to keep the switch off. I call this process of multitasking “stacking.” It’s simply putting several complementary tasks on top of a single accommodating task. A classic personal example is my exercise + shopping routine. I fast walk shopping through Costco with bags instead of a cart. Stacking! **(More on this in a later post.)** 3. **I raise the temptation barriers.** We are all now conditioned to respond to the text tone, email ping or pager beep. Your dopamine receptors have been up-regulated. This temptation to always be “on” calls for drastic measures: have a phone drawer for phones at the dinner table, don’t recharge your devices at your bedstand *(Guilty!)*, put the phone in the glovebox or give it to a backseat passenger when driving 4. **I don’t staycation.** Our family vacations tend to be epic and all-encompassing physically and mentally. We do our best to leave no room for work thoughts, just like work doesn’t leave much room for anything else. There will be plenty of time to rest on the plane home! When you’re busy having fun and learning something new, all in an unfamiliar setting, guess what? Work doesn’t creep in (as much). It helps even more if you vacation somewhere with no internet or cellular access.I also do this in smaller doses on a daily basis. I do something that takes all my attention in its own right, something either so exertional or so enjoyable that it’s impossible to do one more thing (e.g., vigorous HIIT exercise, watching a sing along musical movie – ok TMI I know). 5. **I stay consistent.** If you can resist the temptation for these times, there is a halo impact that spreads out. I promise it gets easier and your neurotransmitter receptors change. Remember you are more than how often your light switch is ON. Savor the OFFs. Talk soon. \*Terance Tsue MD FACS, as Manager of TTTsue LLC [\[1\]](#_ftnref1) If you haven’t, yet, you can read about the maple tree [here.](https://25financial.com/what-else-have-i-missed/) [\[2\]](#_ftnref2) For those too young to remember, MacGyver was a favorite TV show from 1985-1992. He was a secret agent with infinite scientific creativity and resourcefulness with ordinary objects to get out of sticky situations. Worth the Paramount Plus subscription. [\[3\]](#_ftnref3) Albulescu, P., Macsinga, I., Rusu, A. *et al.*: “’Give me a break!’ A systematic review and meta-analysis on the efficacy of micro-breaks for increasing well-being and performance” *PLoS One* 2022 Aug 31;17(8) ![author avatar](https://secure.gravatar.com/avatar/4964572f93104de71ed32211ec2562992638a5fbb0938d3947480971a5876c95?s=300&d=mm&r=g) Terry Tsue, MD FACS [See Full Bio](https://25financial.com/author/terrytsue/) [ ](https://25financial.com/author/terrytsue/) **Categories:** Other --- ### [Slow and Steady Growth](https://25financial.com/slow-and-steady-growth/) **Published:** September 22, 2023 **Author:** Terry Tsue, MD FACS **Content:** **Written by: Terry Tsue, MD FACS\*** ### **GROWING THE “WHAT”** You can probably tell by now that my experience with the Japanese Maple tree changed me. [*(Read about it here if you haven’t, yet)*](https://25financial.com/what-else-have-i-missed/) This story will probably rear its head again in a future post, but for now, I have just one more profound lesson from that fateful day- a lesson I learned from the actual tree itself. Over the three decades since it was planted as just a sapling, our Japanese Maple grew relatively unappreciated into a tall, majestic, remarkable tree. It flourished through weather, pests and even disease. Over time, little by little, it *grew.* While the tree grew without *my* attention, it didn’t grow on its own. My now elderly Japanese father intermittently and quietly nurtured this maple during his cross-country visits. Obviously, from my story, I didn’t even know this was going on, but my father’s careful attention involved timely pruning, fertilizing, mulching and even training the trunk and proximal branches with strategically positioned strings and stakes. I guess I should’ve gotten the hint when all my neighbors would ask me for the contact information for our asian gardener! Though I was not the one putting time and effort into our tree, I was able to reap the rewards of that steadfast, patient expert care. This concept was a perfect illustration for me of growing my “what.” If you’ll remember [from my previous post](https://25financial.com/the-what-and-the-why/), your “what” is one of the means to accomplishing your “why.” Growing your “what” is much like the growth of my maple tree – slow and steady under the careful attention of an expert. While arborism is not my superpower, it *was* my dad’s. If you want to grow your “what”, you can follow the model of my Japanese maple: 1. Find and trust an expert. 2. Learn what you don’t know and work with your expert as a team. Then 1+1=3! 3. Don’t worry about your “tree.” Just let it grow. For a moment, let me expound on number three. Don’t worry about your “tree.” One day you’re going to wake up and recognize that your “what“ tree has been growing tall over time. Since before the Great Depression, there has been plenty of “weather,” “pests” and “disease” that could have stifled the growth of the “trees” (21 bear markets). But, if you look at history, even just $1 invested then still grew to $5,929.1 Because of what you have invested in yourself through education, hard work, and an expert team, your tree will be tall- much taller than the average person’s. American median net worth peaks in our late 60’s or early 70’s at $266,400!2 In 2022, 57% of physicians have a net worth of a million dollars or more, and the rate of growth is faster than the average American family growth.3 Your annual income puts you way ahead of the game, especially with the expert “arborist” helping you. So, take that worry off your plate and focus on the blooms, fruit, and nuts your tree bears. Growing the “what” is the easy part. Though harvesting the “why” is the harder part, if you can learn to pair the two – growing and harvesting- *that* will turn you from rich to wealthy. Talk soon. \*Terance Tsue MD FACS, as Manager of TTTsue LLC 1Bhutta, N., Bricker, J., Change, A.C. *Et al*: “Changes in U.S. family finances from 2016-2019: Evidence from the Survey of Consumer Finances” Federal Reserve Bulletin 106(5), September 2020. 2Jakab, S.: “Reasons to be optimistic about stocks”, *Wall Street Journal: Investing Challenge, March 29, 2023.* 3 Medscape Physician Wealth & Debt Report 2022: How Did a Tough Year Add Up? ![author avatar](https://secure.gravatar.com/avatar/4964572f93104de71ed32211ec2562992638a5fbb0938d3947480971a5876c95?s=300&d=mm&r=g) Terry Tsue, MD FACS [See Full Bio](https://25financial.com/author/terrytsue/) [ ](https://25financial.com/author/terrytsue/) **Categories:** Other --- ### [Three Steps to Turn Time into Wealth](https://25financial.com/three-steps-to-turn-time-into-wealth/) **Published:** October 21, 2023 **Author:** Terry Tsue, MD FACS **Content:** ### **3 Steps to Turn Time into Wealth** Through the years, I’ve learned (usually the hard way) that there are two essential elements in life’s periodic table: **Time** and **Health**. While everything is built upon a foundation of both time and health, *time* is the most important of the “importants.” Much like Hydrogen in the periodic table, every element of the periodic table of life is dependent upon **time.** I was reminded of the element of time the other day when I sold and bought some Ethereum (tax loss harvesting maneuver- ask your advisor about it!). I can’t feel it or hold Ethereum, but it is measurable, finite in quantity, can be transactionally used and keeps going 24 hours a day, 365 days a year. Time is like that, except you can’t accumulate it in a blockchain wallet. On its own, time doesn’t make you rich or wealthy, but we need time to accumulate riches, and, more importantly, we need time to discover and enhance our *why* on our way to becoming *wealthy.* I think you would agree that time is essential to our journey of building wealth, however, it is so often taken for granted and under-appreciated by all of us. Time just happens, like it always has, without any effort on our part. So this challenge is before us – we must learn to both *recognize* and *use* the time that we’ve been given! When we do so wisely, we can use that time to build our true wealth. Here are three practical steps to get started: #### **1. Become Aware of Time** When you become aware of your time, you will automatically begin to appreciate your time. Quite frankly, time is a finite blessing. You, your possessions, and your loved ones all have a time limit. While we don’t know exactly what the limit will be, we do know that when the time is gone, it’s gone. And most of the time, it feels like it’s gone too soon. When my mother was in her valiant battle with Stage 4 breast cancer, we all knew, including her, that time was short. Treatments, recurrence, pain, wheelchair, SNF, hospice – you get the picture. During one of our too few and long-overdue bedside conversations, she told me she wanted to visit her college sophomore granddaughter at Princeton to see her at varsity fencing practice. “I’ve never seen an ivy league campus,” she said. My reaction? “Mom, you’re in too much pain. How do we get the wheelchair on the airplane, train and around campus? I have cases booked three months out that can’t wait and my patients will be mad at me. Airfares are really high right now…” We never made it. That haunts me to this day. In my prioritizing time for the *What,* my mother, my daughter *and* I lost out on experiencing one of our greatest *whys*. Regret is a lifelong Why Killer. Don’t learn the hard lessons, learn the easy way. Time is quantity limited and relied upon in every area of life. It should be used wisely and not wasted! When you become aware of that time, you will cherish it, you will be purposeful on how you spend it, and you will recognize the ways you can impact the time of those you love. #### **2. Invest Time into Your Why** If you’ll remember from the previous posts, your *what* is mostly found in material things – money, houses, titles – while your *why* is an accumulation of those things that can’t necessarily be measured – irreplaceable moments with your loved ones, feelings of gratitude, joy and fulfillment. When it comes to investing your time, you can and should invest time to acquire the *what,* but the real magic happens when you invest in the *why.* Here’s why: when you invest your time into the *what*, your yield is directly proportional to your investment- 1.2 patients/exam room-hour, for example. Sound familiar? One patient through and you get a *cha-ching* (that’s a vintage cash register sound for you Gen Z). However, when it comes to investing time into the *why*, the yield is not proportional at all! Even a little time in can have a massive yield. We all have precious memories of experiences that were brief yet incredibly life changing. Let me give you an example. Once while I was hiking along the forest edge in the Grand Tetons, the sun made my glasses transition lenses turn dark. The trail turned and entered into the dense forest, and with my dark lenses, I couldn’t see much at all. About ten seconds into this trail, I heard some crackling branches to my left. I could smell and feel a warm, musty breath (I swear I brushed that morning in the hotel!). Still blinded by my dark glasses, I could barely make out a huge furry head with round ears and large shoulders undulating directly toward me. I turned tail and ran with a grizzly bear in pursuit. (For the fellow novices, this was not the proper and safe response to my situation.) Fortunately for me, this bear got bored after a short chase (or he didn’t have a taste for old sinewy meat that’s eaten too much sushi.) Either way, that thirty seconds is etched in my memory (and in the memories of my haranguing family and friends…) When it comes to your time, you will use less of it and make a bigger impact on your life when you choose to invest it into your *why.* #### **3. Use Your What to Leverage Your Time** The saying is true – you can’t buy time. BUT, you can buy tools! There are countless opportunities around us to use our *what* to leverage our time. We’ll dive into efficiency and value opportunities in the future, but your *what* can buy gear and services that save you time in the present. Would you benefit from a virtual assistant? Could you invest money into a class or a lesson that will improve your efficiency? Time-saving tools are one of the best uses for your *what*. Don’t settle for the status quo and the current way we do things. Your time is valuable and precious. **Use your *what* to leverage your time so that you can use that time to pursue your *why.*** Time continues to move fast. It reminds me of a Japanese Shinkansen bullet train – you have exactly 60 seconds to get on or off the train at every stop, so you better be ready! In the same way, be prepared to use your time wisely. We are headed toward building true *wealth*, and you don’t want to miss the ride! Talk soon. \*Terance Tsue MD FACS, as Manager of TTTsue LLC ![author avatar](https://secure.gravatar.com/avatar/4964572f93104de71ed32211ec2562992638a5fbb0938d3947480971a5876c95?s=300&d=mm&r=g) Terry Tsue, MD FACS [See Full Bio](https://25financial.com/author/terrytsue/) [ ](https://25financial.com/author/terrytsue/) **Categories:** Other --- ### [Rich vs. Wealthy](https://25financial.com/rich-vs-wealthy/) **Published:** October 21, 2023 **Author:** Terry Tsue, MD FACS **Content:** **Written by: Terry Tsue, MD FACS\*** ### **Rich vs. Wealthy** I was born with STEM skills like a lot of us nerds – skills like problem solving, critical thinking, and logic. As skilled as I am on that left side of my brain, I think the right side failed to develop in utero (Can anyone else relate?). This explains why growing up I relied so heavily on tools like that big, red hardcopy of the Merriam-Webster Dictionary with its endless vault of information on tissue paper pages. But, after years of trusting that big red book, I finally found a mistake in the dictionary (I think they pay you for finding those): they have “Riches” and “Wealth” listed as synonyms. While I know many use *rich* and *wealthy* interchangeably, in real life you have to learn the difference between the two and why it matters. My journey is one towards *wealth*, not *riches*. Being *rich* is most often described as having a relative abundance of material possessions, resources and money- essentially more *WHAT* than you need. It’s the essence of materialism, which has become more and more pejorative, and for good reason. Richness is quantitative, measurable and comparable. It’s visible, tangible and essentially central to all transactions. However, no matter how *rich* you become, very few of those valuable resources that define your richness actually appreciate with time. Most erode in value through depreciation, inflation, market preference change or frank decay. Paradoxically, the value of your riches depends on what others perceive. Your perception usually doesn’t matter as much. Ever try to sell your favorite used furniture piece? **Quite simply, where you are today is not where you will be tomorrow unless you continue to accumulate.** Fortunately, as a physician, being *rich* probably won’t be a major concern for you. This may be hard to see now at this point in your career or you may not yet appreciate the trajectory you are already on. In most other people’s eyes, you are already rich, and that richness will grow as you continue to accumulate utilizing your education, hard work and good counsel. Stay on your current path and your riches box will be checked. What is more important than your *riches* box is your *wealth* box. Both your pursuit of riches and wealth are a pursuit of *zeroes.*1 While *riches* are measured in the number of zeroes in your brokerage account, *wealth* depends on much more than that. True *wealth* is measured by a different set of zeroes: zero regrets, zero missed experiences, zero missed learning opportunities, zero bad relationships. I am certain that you have seen an example (if not many) of someone who is undoubtably *rich* but certainly not *wealthy* (or happy, for that matter). I am equally certain that although they are a lot richer than you will ever be, you wouldn’t trade places with them. If you’ll recall, the “why’s” of life are those things that can’t be counted with numbers. They are those things that make you feel alive, fulfilled and connected – the fuel for your joy. Being wealthy is having a life of *WHY* abundance. The truth is, you can be *wealthy* without even being *rich*, though in our American culture of materialism and accumulation, this can be difficult to achieve. Interestingly, in all my travels I have found that the happiest place on earth wasn’t Disneyland. The loudest laughter, the liveliest singing and the widest smiles were found in the villages of west Africa, the poorest continent on earth. I learned a great lesson on true wealth from a whole group of children playing with the simplest of toys- a rolling coffee can lid attached to a stick with a single nail. They didn’t need their Nintendo switch or ipad. They didn’t need to be rich. They had their “why”. So let’s put this lesson into practice – how do we move from being *rich* to being truly *wealthy*? Here are three steps to accomplishing this goal: 1. Build a strong & resilient wealth foundation by learning to ***manage your*** ***Time & Health*** 2. ***Grow your WHAT*** for the sole purpose of facilitating a life of true wealth. 3. Fill your life ***abundantly full of living “why’s”.*** When it comes to these steps, I relate well with the esteemed 21st century philosopher Ted Lasso (season three, yeah!)- I am a work in “progmess.” We weren’t taught any of this in school, college, med school or fellowship. Nope, these lessons come through living, failing forward, and learning from those moments. I know I have a long way to go, but I constantly strive to get 1% better every day at living a life of true wealth. It does seem to get easier as you get richer and older, when the relative value of the WHAT goes down and the relative value of the WHY increases. I believe the key to success in this lesson is to take the above-mentioned steps early enough to avoid living with a weak wealth foundation. As always, being the center spot in Nerd Bingo, my motto is to be ahead of the curve. Looking ahead, we’ll spend some time breaking down these three steps in detail. I’m looking forward to learning from each other. Talk soon. \*Terance Tsue MD FACS, as Manager of TTTsue LLC 1Andrew Rosen Kiplinger 3/24/23: Being Rich vs being wealthy: what’s the difference ![author avatar](https://secure.gravatar.com/avatar/4964572f93104de71ed32211ec2562992638a5fbb0938d3947480971a5876c95?s=300&d=mm&r=g) Terry Tsue, MD FACS [See Full Bio](https://25financial.com/author/terrytsue/) [ ](https://25financial.com/author/terrytsue/) **Categories:** Other --- ### [The Go-Go Years](https://25financial.com/the-go-go-years/) **Published:** March 4, 2024 **Author:** Terry Tsue, MD FACS **Content:** **Written by: Terry Tsue, MD FACS\*** In my last post, we discussed the fact that there are two essential elements in life’s “periodic table” – **time** and **health**. You need Time to have Health and you need Health to have Time. Without Time and Health, you’re not going to be able to enjoy much of your What or Why. We’ve already discussed some on how to leverage our time, so let’s talk about health. Time to put on the Hoka One One’s – the 21st century answer to sore feet- and get moving! ### The Go-Go Years Time turns into the past at a steady rate. In contrast, health tends to decline at a variable rate, sometimes in boluses. Initially, health declines at a slow, often ignored or denied, rate, but circumstances and neglect can cause a crescendoing. For example, during an annual Colorado CME ski trip, the moguls felt pretty good. That is, until I tried to keep up with my residents and their spouses that grew up in Colorado. Speed, flat light and end-of-day fatigue all played a role in the warm spot I began to experience in my right knee. The pain and swelling didn’t come until the condo, but when it didn’t go away for a week, I called an ortho buddy. Minimally displaced tibial plateau fracture. That was the good news. The concern was why did I get the fracture? Testing revealed a vitamin D level and osteopenia that is usually only seen in rickets patients in developing countries. As it turns out, there’s not much sunshine in the operating room or vitamin D in Taco Bell Chalupas. Plus, once a year bone stress doesn’t do much for the balance between osteoblasts and osteoclasts. While my health crisis revealed itself in bone loss, any of us could easily replace that discovery with a strange sense of chest tightness, or a languishing feeling of emotional exhaustion. The good news is, we can control an element of our health. Unlike time, health is an area in which you can make up for some lost ground. There are ways to reverse the health “decline” into a health “incline”, or at least a “slower” decline. (i.e., eventually returning to baseline cancer and cardiovascular risk in 10-15 years by quitting tobacco). However, “some” is the key word because that opportunity window gets tighter and more difficult as we age. The goal isn’t to be the healthiest, it’s to be you. At the same time, however, your health shouldn’t become your life rate limiter. Let’s keep the go-go years going and defer the slow-go and no-go years as long as possible. How do we accomplish that goal? Remember health involves your body AND mind, and you need both healthy to be at your best health. For me, after an active childhood/adolescence, health and it’s preservation fell off life’s cliff. The excuses were rampant: nothing hurts or is broken. I have no time. Everyone else looks a lot less healthy than I do. At least I don’t smoke! I’m not going to waste any of my heartbeats. It’s a losing battle anyways. I’m already getting up early and staying up late for work. I’ll start next month. Heterochronic parabiosis may eventually work! (better look up that one)1. The list goes on. Since I know that health is an area of great challenge for me, in terms of knowledge deficit, and frankly, being neglectfully years behind, I’ve tried to simplify my ongoing healthiness journey into some simple themes learned. This is what I do, but you need to meet yourself where you are. There’s a lot of misinformation and new research out there too, so my list evolves frequently. Let me know what you think and let’s learn from each other. ## Invest in yourself - For some reason, as healthcare givers, we often neglect ourselves in the very realm that we serve. This may be due to a defense mechanism – arrogance, fear, avoidance, imposter syndrome or a superhero-complex – I don’t know. But what makes matters worse, sometimes we do the same for our family’s health. Guilty as charged. It’s important to realize that you and your loved ones are not immune to any human ailment. In fact, given our lifestyle and stress as healthcare providers, we maybe even more susceptible to certain ailments. Even though we are made up of the same cells, organs and body systems as everyone else, we often treat ourselves with leftovers and after-thoughts. - For example, I didn’t know my mother wasn’t getting routine physicals or mammograms. I never asked despite being in high power medicine for nearly 40 years. How many times could I have asked between her Stage I and Stage IV Cancer? Get preventative care and pursue specialist care when something shows up. - Be a good patient. Don’t be like that patient we always dread on the clinic list. You know how much better care can be if you have good communication within a team. ## You can’t buy health - Health doesn’t come in bottles, ointments, or adhesive abdominal rectus electrodes (I know it’s tempting). You should Google the last picture of Steve Jobs during his battle with cancer. It still haunts me. What a reminder that generally, at least in America, no amount of $’s can make a significant difference in disease treatment. - Use your dollars to invest in prevention. There is a great Time ROI for these investments in your health protection and preservation. Like everything worthwhile, earning health takes time and effort. ## **Start early in life and develop a habitual consistency** - Just like your pre-tax semi-monthly contributions to your profit-sharing plan, when it comes to health, time and compounding are your best friends. If you will make regular, small, habitual investments in your health, they will pay big dividends later and grow the principal. Start early! While you can make up some lost ground as a late starter, you can’t make it all up. - My dad began jogging in his Chuck Taylor Allstars well before Forrest Gump made running cool. Now at 91 years old, he brags about his free veteran’s fitness center membership and does more pushups and squats than I can. ## **Knowledge and “Good” pain are the currency of health** - There is a large amount of good, science backed health knowledge out there for you to discern what works for you. Unfortunately, this stuff isn’t spoon fed, but learning about health is part of the investment in yourself and loved ones that will pay off down the road. While the plethora of information can be a bit overwhelming, there are some common denominators that can serve as a foundation. - For example, “no pain, no gain” really applies. There is no muscle growth gain without micro-trauma of the fibers and soreness. If you notice, the Peloton instructors always raise the intensity and shorten the recovery interval when you are most ready to collapse at the end of an intense Tabata interval (you may regret looking that word up!). Like a lot of things in life, this consistent inuring past your previous limit is what brings steady improvement. ## **Brain health is important** - Brain health refers to your mental health as well as your cognitive health. This is the health where most of us know the least, but the science is evolving rapidly. We do know that mental and cognitive health are as important as physical health, but even more neglected. It’s hard to have a truly healthy body without a healthy mind. One of the greatest irrational stigmas that we still battle in society is that seeking help for our mental health is any different than going to a GI for colitis. - Fortunately, this perspective is improving, so be ahead of the curve and be better than the stigma. There are simple things you and I can do to improve our brain health. For instance, there’s been a big push by the surgeon general on the ill effects of loneliness (especially in our contactless society). Petting your dog stimulates favorable hormone release, and smiles and being outside in nature releases favorable neurotransmitters. Every little bit helps. - Brain health also includes mental fitness – trying to stem the natural cognitive decline we all naturally undergo. I am early in my journey in this area, but I feel it’s important to keep trying to fight the upstream current. - Hartshorne & Germine2 showed that different types of cognition peak at different ages starting after high school, with some types peaking in our 40’s. A lot of memory cognition (fluid intelligence) peaks when we are young, while more crystallized intelligence (i.e., vocabulary, general information, comprehension) peaks at/after middle age. We can think of our brain like a muscle. I am trying to “exercise” those weak declining muscles purposefully. New learning, especially literacy-involving, involves a lot of these cognitive skills and can lower dementia risk by 11%3. - Cognitive challenges like strategy games, puzzles, escape rooms, cold case files, home projects involving math and analytical problem solving also can decrease dementia risk by 9%.3 The list goes on, and is becoming an important component of my non-work hours. Use it or lose it. ## **Protect the “wheels” and get good “tires**“ - My kids first rolled their eyes when they heard this advice, but now they are avid believers. I used to come home from 16-hour days and long microvascular cases with a sore neck, aching back and tired knees, topped with a headache. I just thought, “Don’t everyone’s feet normally hurt after standing that long?” My computer networkspecialist wife simply pointed to my shoes. I always bought cheap shoes on sale and never changed them until they literally fell apart. - A lot of our lifestyle depends on good feet. Think about how being unable to walk would affect you. Bad feet lead to other body problems, as well. This is one of those increasing importance life lessons. What can we do to protect our feet? Invest in good shoes with fit and support that work best for you. All shoes are not created equal. Also, shoes have a lifespan, and it’s much shorter than when they start to visibly fall apart. The inside support fails well before then and they become bad shoes. - Trust me, you’ll notice some good changes once you start wearing good shoes. You’re welcome. ## **Don’t drink your calories** - I used to hate the taste of water, and I lived on “pop” (with caffeine!). I survived med school and residency on mountain dew and air-popped popcorn – sweetness, energy and fiber. Besides, there was no time to pee in the OR - Then one day, my wife bought a filtered ice maker and water machine. Suddenly water tasted phenomenal and I drank and drank. The Soda Stream revolution further transformed me into a water-holic (below water intoxication levels <1l/hr). Filtered water and ice to remove the forever PFOA/PFOS, high setting on the soda stream, and a dehydrated lime or grapefruit wedge packet from Amazon- ahhhh! - Nowadays, I also drink a lot of iced and hot green tea, especially green tea with popped rice (gen mai cha tastes like liquid popcorn). Lots of Matcha too on cool mornings. I enjoy the umami taste, and when you learn how they pamper the camellia sinensis top first leaves before harvest in Uji, Kyoto, you’ll be hooked too. Maybe its sentimental or cultural, but the rich polyphenol antioxidants haven’t failed me yet. Fruits and vegetables are also good sources of hydration (i.e., zucchini and celery are 95% water). - Most importantly, water also best represents one of those great “negative calories” (more in the future on this) that fills the stomach. Starting this habit helped minimize my drinking my calories (caramel ribbon crunch Frappuccino = 470 calories). ## **Zzzzzz** - One thing that helped me understand and prioritize sleep was the increased CSF fluiddy namics seen during non-REM sleep.4 This insinuates that sleep is essential for the removal of brain metabolic waste. It’s no surprise, given what we know about the relationship between adequate sleep and cognition, and it’s imminent decline. - I am trying to improve my sleep quantity and quality. I shoot for at least 7 hours, which is a big improvement over my interrupted 3-5 hours nightly of my competitive exhaustion days. I have a smart watch that tells me quantity and quality (depth & interruptions). - Sleep quality is as important as quantity. Stress, sleep apnea, caffeine-sensitivity, napping practices, nocturia (emphasizing timely hydration and good prostate health) and other disturbances can diminish sleep’s advantages. This includes controllable things such as room temperature, ambient light levels and nighttime alerts/alarms. I still have my cell phone charging upside down at my bedstand, old habits die hard, but at least my sound and screen notifications are off now. Baby steps. - There are also problems with too much sleep and “bed rotting”, so I’m trying to hit where the curves intersect at their highest values. ## **Floss** - In a career full of removing oral cancers, I’ve seen a lot of mouths and throats in bad shape. Pain, bleeding, halitosis, caries, and even alveolar carcinoma. Gingivitis leads to many problems and systemic inflammatory responses. I’m always amazed on how much food debris comes out with flossing. Ever smell a compost bin? A simple 20 second prehab to your brushing routine will prevent some headaches, literally, and save you $ and Time. I also have a professional clean and check my teeth semi-annually because nothings perfect. In your journey toward becoming healthy, progress, not perfection, is the most important. Indulgence, whether the allusion of indulgence or actually falling 10’ off the wagon (Tomahawk ribeye with a slice of 12” carrot cake), is normal, expected and part of the recipe for sustained success. I couldn’t have gotten to where I am, and I don’t expect to make it to where I want to be, with self-denial, strict rules and no Indulgence. I just treat indulgence like a vacation- it’s something we do periodically and we don’t stay too long. Pretty soon we have to go home and back to the routine! More Tsue-isms on health coming. Talk soon. \*Terance Tsue MD FACS, as Manager of TTTsue LLC --- 1Zhang et al. (2023) Multi-omic rejuvenation and life span extension on exposure to youthful circulation. Nature Aging 2Hartshorne, J. K., & Germine, L. T. (2015). When Does Cognitive Functioning Peak? The Asynchronous Rise and Fall of Different Cognitive Abilities Across the Life Span. Psychological Science, 26(4), 433– 443. 3Wu & Wrigglesworth (2023) Lifestyle enrichment in later life and its association with dementia risk. JAMA Netw Open 6(7):e2323690 4Fultz ety al. (2019). Coupled electrophysiological, hemodynamic, and cerebrospinal fluid oscillations in human sleep. Science 366(6465):628-631. 1. ![author avatar](https://secure.gravatar.com/avatar/4964572f93104de71ed32211ec2562992638a5fbb0938d3947480971a5876c95?s=300&d=mm&r=g) Terry Tsue, MD FACS [See Full Bio](https://25financial.com/author/terrytsue/) [ ](https://25financial.com/author/terrytsue/) **Categories:** Other --- ### [Change The Frailty Slope](https://25financial.com/change-the-frailty-slope/) **Published:** March 4, 2024 **Author:** Terry Tsue, MD FACS **Content:** Unlike the Geico commercial where we turn into our parents, recent findings have shown a variable interaction of genetics in determining your longevity. Even luck plays a role, but lifestyle and lifetime experiences have a strong influence on your biological “Time” predisposition.1 Like everything in life, you can only change what you can change. Well before we witness the people around us transition from go-go to slow-go, frailty begins to rear its head. The initial signs can be subtle and the progression is inevitable, but you can influence the frailty slope steepness. Saving the best for last and above all the Health Tsue-isms from the last post, the two most crucial slope-influencing areas are Movement and Nutrition: ## Change the frailty slope I remember having endless energy to play sports well into my 20’s (the Eveready-Bunny-go-go years). Endurance wasn’t the rate limiter, only time and skill were. Subsequent years pitted work productivity against physical fitness. The non-negotiable accelerating natural decline of health becomes manifest daily. Unfortunately, we see daily how the lack of fitness and its ensuing frailty impact the successful treatment of disease. Frailty measures like grip strength and the sit-rise test are directly associated with mortality later in life.2,3 The slow-go and then no-go years come a lot sooner and denser than we expect when we are out of shape. Sometimes you have to hit bottom in order to pull yourself up. I have a lot of ground to make up, and a long way to go to be where I need to be. I’ve been immersing myself in learning what fitness science says for the common man. I’m NOT shooting for the ironman endurance or the Abercrombie & Fitch body, just being “super medium”. Early in my recovery journey, I am trying to focus simply on 3 main areas: 1. **maintaining and building muscle mass**, 2. **cardiorespiratory fitness** and 3. **improving flexibility and mobility**. **A.** Middle-age sarcopenia is normal and occurs at a rate of >0.5% annually. Loss of muscle mass and strength are the major contributor to aging frailty. I used to think it was a waste to spend any ATP on lifting a weight for no functional purpose. What a “dumbbell” I was. Dumbbells are now my best friend. Maintaining or even building some muscle mass also directly predicts future mortality. I use an asynchronous virtual program since I’m a relative novice and bad weightlifting can cause injury. There is a difference between lifting for muscle hypertrophy versus strength, so invest in professional help. My wife and I do this together as a relationship and accountability booster. About 1/4 of people >65 years old have a fall annually. They are the leading cause of injury and injury-related death.4 Being in the sandwich generation, as well as taking care of older cancer patients, I’ve observed two areas of specific frailty vulnerabilities in strength, agility and balance that I want to stave off as long as I can: lateral movements and ground-to-standing elevation. I believe it’s never too late to give extra focus to counter the “increased” gravity we experience as we age. - Standing and walking tend to be mostly anterior-posterior in nature and seem to remain affected the latest. I believe weakness in the less common lateral movements sneaks up and leads to more balance issues. BTW there is a safer way to fall that you should learn if you haven’t (https://www.health.harvard.edu/staying-healthy/how-to-fall-without-injury). I had a high school P.E. teacher that drilled this into us. Practice this so it will become instinctual muscle memory when it happens unexpectedly. Protect the melon. - The first 2 feet off the ground are the hardest. Try it without using your arms and you’ll see how weak you feel compared to the common movement of standing up from a chair. These muscles don’t care if you are sitting up or falling down. One of the central activities of blue zone centenarians in Okinawa is ground level gardening. - In addition to focusing on these two specific physical challenges, we are giving extra attention to strengthening our “core”. It plays a role in absolutely everything, especially in staving off the #1 cause of life disability years: low back pain. - BTW vision AND hearing both impact fall rates as we age, so protect both senses! **B.** Out of eight modifiable lifestyle factors, exercise provides the biggest longevity boost (46% decrease in all-cause mortality).5 Movement improves cardiovascular mortality as well as cancer risk, sleep, weight maintenance and even mood. Sitting is the new smoking. Humans used to average 20,000 steps per day, but nowadays it’s down to less than 5000/day. I use a smart watch pedometer and heart rate monitor whose mobile app tells me how long I am in each CDC heart rate intensity zone. I try to overshoot because of the concern for the smart watch count accuracy. It appears that weekend warrior fitness can be as cardiovascularly effective as more regular exercise activity.6 Even slow running for 5-10min a day is impactful.7 It’s important for you to be you for ultimate success and sustainability. But just remember, no challenge, no change. Most of us already have significant activity incorporated into our daily lives (e.g., running between rooms in clinic, standing in the operating room, etc.). You can step this up another vigorousness level with speed, distance, rucking and elevation (more on this in the future when we talk about N.E.A.T.). Success with this next-level approach doesn’t mean exercising more, just better. No elevator rounding, walking faster between the office and clinic, standing desk table (10-34% boost in calorie burn compared to sitting), parking in the far lot, going cart-less at Costco. Although you may be ahead of the average person, a dedicated self-investment in your cardiopulmonary fitness is the most crucial modifiable factor that you can do to build the strongest health foundation and lengthen your Time. A Jedi mind trick I use on myself to keep things interesting is cardio activity variation. Many different exercises get your heart and breathing rates up. Outside activity when the weather is tolerable, vary the activity (i.e., bike, walk, run), tempo (i.e., long distance, Tabata), scenery (trails, hills, cityscapes) and accompanying entertainment (i.e., podcast, partners, music genre). Varying conversation usually shouldn’t cut it because you should be having difficulty holding a normal conversation if you’re in the right exercise zone. Keep track of your progress with a mobile app because your subjective sense of progress can be discouraging. Objectively you will begin to see it’s harder to get your heart rate up with similar activity and your endurance time increases. Everything (knees, back, attitude/mood, etc.), I mean everything, feels better with improved cardiorespiratory fitness. **C.** The ergonomics in health care are abysmal. Operating at the side of patient looking down and to the side through your loupes, sitting at the exam room computer trying to type and look at the patient behind you. Very little has been designed in our world to safely preserve normal human posture and function. Also, everything we do to accomplish A & B above also wreaks havoc on your flexibility and mobility. Maintaining muscle length (flexibility) and joint ROM (mobility) are crucial to fighting frailty and minimizing injury risk. Like sarcopenia, its an inevitable decrescendo that warrants our attention. I didn’t learn this until later in life, hopefully not too late. I still feel like a steel I-beam, especially in the hips, knees and ankles. I never knew that the specific stretches exercises to address muscle length and joint range are different, and you need to practice both. It’s been like the tin man with an oil can, but I still have a lot of making up to get to super medium. ## You are what you eat Food plays many important roles in my life: **supporting a healthy body journey**, **body weight maintenance**, **fighting off chronic disease**, and **enhancing** **social relationships**. Recommendations for the best things to put into our bodies seems to change monthly, but what my wife has narrowed us down to is best described as a “Californian Asian Mediterranean diet”. This pretty much covers almost every type of food that can be prepared in a healthier fashion, even pizza! **A.** Staying healthy takes caloric energy and building blocks, mostly protein and fats. Make sure you have enough and the right nutrition to grow to where you want to. Your weight may or may not change (a little) as you get in shape, as heavier muscle replaces non-muscle. Guess what, added incentive, muscle burns more calories than fat! **B.** Someone taught me that “my feet can never outrun my mouth”. I was never able to get to my desired body weight (50lbs ago) through exercise alone without good nutritional habits. When I chronically overate, I gained weight despite how much exercise I did. Weight maintenance, like exercise, is a lot easier than trying to trim pounds. BTW research shows that interval exercises suppress appetite better than steady exercise, so I’ve changed my routines. Again, Jedi mind tricks (not rocket science) that work for me: - I try to only eat when I am hungry, and I try to avoid getting over-hungry (gets me in trouble every time) - I eat slow so my brain can catch up to my stomach stretch receptors (I drink a sip of water and put my fork down between bites). Conversation between bites is good too. I’m always the last to one at the table! Chopsticks slow my eating down. Longer chopsticks not only improve food enjoyment and but slows eating (wish I had that NIH grant).8 - Subliminal portion control: My wife only lets me eat off small plates (Remember the size of our parent’s old plates), cuts portions into smaller sizes (artichoke halves and not wholes), and keeps the food dishes away from the eating table (I have to get up to get seconds!). - Protein makes you feel fuller faster and longer, I make sure I eat enough at every meal. Greek yogurt is one of my go-to sources, but nuts are a great source as well. A few hundred calorie nut snack can tie you over if it’s not meal time yet. - Variety (i.e., color, texture, smell, temperature) as well as spice-enhanced flavor (non-salt alternative) help with meal satiation. This variety and spice-derived flavor also helps us avoid any added salt. Appreciating every different bite also slows the eating down. Try eating a Kaiseki meal in Kyoto, banchan spread in Korea or Tapas in Spain. - Seemingly random but healthier/lower calorie substitutions and techniques are common in our kitchen. Amazingly without sacrificing flavor. Replace calorically higher density components with less dense ones (e.g., more protein and less fat). Greek yogurt can replace mayonnaise and sour cream (add some vinegar for some “sour”). Half & Half for full cream if you need the cream flavor, but not the whipping consistency. Olive oil can be used in many recipes in lieu of less healthy oils. I use mustard as a dipping sauce instead of ketchup (D.Y.K., 0 calories in yellow mustard!). Marinading uses less sauce (and thus, less sugar) than adding the sauce on top at serving time. - I drink a lot of water and tea during meals, especially between bites. Again, think gastric stretch receptors. - I stop eating when I am full, and Okinawans (blue zone country) stop when they are 80% full. I don’t have that sensitive of a gastric meter yet, but I do know what it feels like to be full or over full. - I still struggle with the “poor starving kids in Africa” concept. The maximal efficiency drive and minimal “muda” (Japanese term for wastefulness) in me frequently tempts me into overeating by cleaning my plate. I try to decrease that temptation in front of me as much as I can, especially when something is delicious. When food prepping those massive Costco supply portions, my wife breaks them down into small two-person portions. Not only are these easier to cook, but it avoids the guilt-induced overeating of overcooking big portions. This minimizes leftovers in the refrigerator and helps with that variety mentioned above. Hard to do with a houseful of rapidly hypertrophying kids, and definitely simpler for us empty-nesters. Restaurants are the main temptation bastion of large portions, not even considering the all-u-can-eat buffets. To-go containers are common in our refrigerator. In fact, to decrease the chances of inadvertently overeating at a restaurant, I ask for the to go container and fill it BEFORE I even start eating. - I weigh myself nearly every morning to remind me of action and consequences. I used to count and record calories when I was deep in my weight battle. Knowledge has a powerful influence. Realizing that I had to run several miles just to burn off that pre-meal small basket of tortilla chips (10-15kcal/chip) remains eye opening for me and helps with my eating/ordering decisions. **C.** I’m no nutritionist, but it doesn’t make sense to ingest stuff that leads to or exacerbates the most common chronic diseases (i.e., CAD, diabetes, HTN). We try to eat organic (if not unreasonably priced), low/no salt, and more fish and plant-based. Veggies have a lot of fiber to keep the plumbing going, because even constipation has now been linked to cognitive decline.9 We try to moderate red and ultra-processed meats (where the fat is in solid state at room temp) and simple carbohydrates. The fact is most food we eat is processed to variable extent, so drawing the line with what’s ultra-processed is hard for me. We eat out plenty, but try to make good and satisfying choices. **D.** Food is more than just physiologically important or a source of gratification. Meals have also been a pleasurable social event for my whole life. Many of my Why’s revolve around the food meal axis. It’s a neutral safe ground that can bring different parties together, but also deepen current relationships around a common denominator. It’s a two-for-one: enjoyment from the food, but also the experience itself. The experience can start well before the dinner table, with the growing, harvesting and preparing. Digging razor clams in the surging surf, hunting hidden pine forest mushrooms, calling in a wild turkey to your decoy, or fighting the king salmon on light tackle. The meal itself can also be full of novel adventure, like in-table cooking Korean BBQ, eating Ethiopian spicy vegetables with your hands unrolling injera bread, or using a wood mallet on Old-Bay-spiced Maryland blue crabs (plastic bib in place). When you are having to work for your bite, you also eat slower! Even after the last bite, the value of the experience continues. Honestly, some of the best family discussions, and problems solved, have been around Team Tsue dishwashing. We’ve been savoring our newly found *la passeggiata* ritual. An endearing Italian cultural tradition, that we have Americanized to be an outside stroll after dinner. We use it to help decrease our post-prandial glucose and Hg A1c, but the conversation is priceless. You have to take care of yourself to be your best for others. I am learning something everyday to make my tomorrow better. What a journey! Talk soon. \*Terance Tsue MD FACS, as Manager of TTTsue LLC --- 1Caruso *et al.* (2022) How important are genes to achieve longevity? *Int J Mol Sci*May;23(10):5635 2Strand *et al.* (2016). The association of grip strength from midlife onwards with all-cause and cause-specific mortality over 17 years of follow-up in the Tromsø study. *J Epidemiol Community Health* 70:1214-1221. 3Barreto de Brito *et al*. (2014) Ability to sit and rise from the floor as a predictor of all-cause mortality. *Eur J Prev Cardiol* 21(7):892-8. 4Center for Disease Control and Prevention Morbidity and Mortality Weekly Report September 23, 2016. 5Nguyen et al. (2023). Eight modifiable lifestyle factors associated with increased life expectancy among 719,147 U.S. veterans. *American Society for Nutrition Annual Meeting: Nutrition 2023*, Boston, MA, July 24, 2023. 6Khurshid *et al*. (2023) Accelerometer-derived “weekend warrior” physical activity and incident cardiovascular disease. *JAMA* 330(3): 247-252. 7Lee *et al.* (2014) Leisure-time running reduces all-cause and cardiovascular mortality risk. *J Am Coll Cardiol* 64(5):472-481. 8Lin *et al.* (2015) Influence of chopstick size on taste evaluations. *Psychological Reports* 116;2. 9Ma *et al*. (2023) Bowel movement frequency, the gut microbiome, and cognitive function in women and men. Alzheimer’s Association International Conference, Amsterdam, Netherlands, July 19, 2023. ![author avatar](https://secure.gravatar.com/avatar/4964572f93104de71ed32211ec2562992638a5fbb0938d3947480971a5876c95?s=300&d=mm&r=g) Terry Tsue, MD FACS [See Full Bio](https://25financial.com/author/terrytsue/) [ ](https://25financial.com/author/terrytsue/) **Categories:** Other --- ### [Tax Mitigation Strategies for Doctors](https://25financial.com/tax-mitigation-strategies/) **Published:** June 5, 2024 **Author:** Randy Larson **Content:** [ Roth Conversion Strategies​ ](#Roth) [ Direct Indexing​ ](#DI) [ Oil and Gas Investments: Intangible Drilling Tax Credit​ ](#OG) [ S-Corp Elections for 1099 Income​ ](#SCorp) [ Tax-Efficient Portfolio Management​ ](#Tax) [ Opportunity Zones​ ](#OppZones) [ 1031 Exchanges​ ](#1031) > Over and over again courts have said that there is nothing sinister in arranging one’s affairs as to keep taxes as low as possible. Everybody does so, rich or poor…for nobody owes any public duty to pay more than the law demands: taxes are enforced exactions, not voluntary contributions. > > Commissioner v. Newman, 159 F2d 848 (1947)​ Who likes paying taxes? No one. Ever. Especially doctors and high net worth (HNW) individuals who already pay more than their “fair share.” In fact, the[ *Wall Street Journal*](https://www.wsj.com/articles/u-s-income-taxes-top-1-percent-irs-tax-foundation-joe-biden-fair-share-3394355b?mod=mhp) reports that taxpayers with incomes between $253,000 and $682,500 paid 19.9% of all income taxes in 2021. The top 1% of earners, (over $682,500 earned income, placing them in the highest tax bracket) paid a whopping 45.8% tax rate of all income taxes (while their percentage of the 2021 revenue was half that). Here are the seven key tax mitigation strategies 25 Financial advisors utilize for our doctor and other high-income clients. ## 7 Tax Reduction Strategies​ Typical tax-filing practices like skipping standard deductions and itemizing deductions won’t save you money like the following tax-planning strategies. Here are some of the tax deductions and tax-saving strategies our financial planning experts help clients adopt to reduce the amount of money they owe on their tax bills. ### Roth Conversion Strategies​ Many physicians and HNW individuals have done a great job saving during their careers in employer-sponsored plans (401k, 457, 403b, etc.). But when they retire, most of their retirement savings are in qualifying accounts that have never been taxed. Therefore, every dollar that is withdrawn is taxed as ordinary income upon withdrawal during retirement. It is taxed at whatever rates Congress imposes at that time. Participants are also forced to take required minimum distributions (RMDs) at age 73. RMDs can generate multiple hundreds of thousands of dollars of forced taxable income every year during retirement. One powerful tax mitigation strategy is converting traditional IRA retirement plans and other retirement accounts into Roth accounts using a tax-efficient strategy of converting devalued assets within the IRA. To begin, clients invest IRA contributions in one of 25 Financials’ alternative investments, typically a multifamily apartment builder. The multifamily builder will purposefully perform a valuation of the project around month 24 of construction, showing an approximate 25-35% discount in value. When this new value is displayed in their custodial statement, the client can convert that asset to a Roth IRA, paying taxes on the depreciated amount. For example, if a client invests $100,000 of their IRA in a Multifamily alternative investment fund, their statement would display a value around $63,000. Clients that choose to convert to a Roth will pay taxes in the year of conversion on the $63,000 value (not the $100,000). When the investment liquidates, all gains will come back tax-free in the Roth IRA. Most companies will straddle two tax years displaying the depreciated amount, so clients can choose which year to convert. Clients can then eliminate the extra tax incurred by a Roth conversion by investing in an oil/gas partnership, for example (described below). ### Direct Indexing​ 25 Financial also mitigates taxes in clients’ stock and bond portfolios by utilizing a strategy called Direct Indexing. Traditionally, investors will own a basket of securities that track a specific benchmark (S&P 500, Russell 3000, Nasdaq-100, etc.). In contrast, direct indexing investors own the individual stocks that make up their desired index. Unlike a typical ETF, direct indexing allows investors to harvest losses at the security level. Stocks that drop below their purchase price “cost basis” are sold, and correlated stocks that aren’t identical are immediately repurchased. Since direct indexing investors have ownership of the individual stocks in their portfolios, losses can be captured even in a year when the index gains in value. The goal is to harvest more losses by holding individual stocks while also tracking the benchmark index performance (i.e., tax-loss harvesting). ### Oil and Gas Investments: Intangible Drilling Tax Credit​ Oil and gas investments can offer powerful tax mitigation by eliminating up to 80% of all adjusted gross income (including W-2 salary) in the year of investment. The deduction comes from “Intangible Drilling Costs” (IDC) under IRC Section 263(c). IDCs allow investors to deduct a portion of drilling costs associated with exploration and development of new wells. For example, consider a client who earns a $500,000 annual salary and invests $100,000. The client can reduce their gross income in the year of investment by around $80,000. Accordingly, they will pay taxes on $420,000 as opposed to $500,000. ### S-Corp Elections for 1099 Income​ For individuals earning income as independent contractors, electing S-Corp status for their business can offer tax advantages. S-Corps allows for pass-through taxation, meaning that they don’t pay corporate tax. This means that a business that files as an S-Corp does not have to pay federal taxes at the entity level. This can be beneficial for small business owners trying to save money in their early years. Furthermore, independent contractors can elect S-Corp status *and* take a W-2 salary. Owners will only pay self-employment tax on the amount of the salary but not the distributions above and beyond the salary. ### Tax-Efficient Portfolio Management​ There are 3 different tax “buckets.” 1. The first is a qualified bucket that includes pre-tax accounts like a 401k or 403b. All withdrawals after 59 ½ will be taxed as ordinary income. 2. The second bucket is non-qualified investments whose gains will be taxed at capital gains rates. 3. The third bucket is tax-free growth assets like a Roth IRA. The goal is to manage all accounts as one large portfolio. For instance, managing overweight aggressive growth assets in the Roth, where they will grow tax free, while simultaneously holding your bond portion in the 401k (except municipal bonds, which are held in the brokerage account as the gains are tax exempt). Many prospective clients are not properly diversified across all three tax buckets, if at all. Doctors and HNWs are very busy with a lot of accounts to keep track of. Even “do-it-yourselfers” don’t have the time to rebalance 10-20 accounts in a tax-efficient way on a daily basis. This strategy therefore adds[ significant benefits](https://advisors.vanguard.com/insights/article/putting-a-value-on-your-value-quantifying-advisors-alpha) to our clients’ overall performance. ### Opportunity Zones​ Make tax laws and tax codes work in your favor. In the[ 2017 Tax Cuts and Jobs Act](https://www.irs.gov/newsroom/tax-cuts-and-jobs-act-a-comparison-for-businesses), Congress legislated the ability to defer gains from sale of property (appreciated building, a stock, a business, etc.). After the sale, individuals have 180 days to invest the gains in a Qualified Opportunity Zone (QOZ). QOZs are usually new construction real estate in distressed areas designated by Congress. The gains are then deferred until December 31, 2026 (this might be extended to December 31, 2028). Additionally, all the appreciation of the investment in the QOZ is tax-free so long as it is held for at least 10 years. Of course, tax benefits are not enough to justify an investment. 25 Financial has focused due diligence on a handful of opportunities that provide economic upside potential that will be tax-free growth for clients. This strategy is helpful for clients who have a liquidity event (sale of a business, building, appreciated stock, etc.) that produces a large gain. ### 1031 Exchanges​ Individuals can also postpone capital gains tax using the proceeds to buy a similar property. But the rules are tricky. Unlike QOZs, this deferral of tax liability is only for sale of business or investment real estate property. Also, the proceeds must go directly to a “Qualified Intermediary” escrow account with the new property identified within 45 days; the proceeds must then be invested within 180 days. The idea is that the seller is never in possession of the proceeds, and so therefore there cannot be any taxes owed in the year of liquidation. Unlike QOZs, the appreciation in the new investment property is simply deferred (not eliminated). Tax will have to be paid eventually unless the property is held until death and the heirs get a step-up in basis. Tax professionals and 25 Financial can help you determine if a 1031 is right for you. If so, we have a unique process with trusted Qualified Intermediaries and vetted properties ready for investment. *Disclosures: We are not tax professionals, so please consult with your own tax professional before implementing any strategy discussed.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any investment decisions.* **References** 1 Vanguard. (2022, August 12). Putting a value on your value: Quantifying advisor’s alpha.[ https://advisors.vanguard.com/insights/article/putting-a-value-on-your-value-quantifying-advisors-alpha](https://advisors.vanguard.com/insights/article/putting-a-value-on-your-value-quantifying-advisors-alpha) Vanguard. (2024, January 10) What is Direct Indexing [https://advisors.vanguard.com/insights/article/what-is-direct-indexing?cmpgn=FAS:PS:XX:PERSONINDEX:20231005:GG:DM:WhatisDirectIndexing:NOTARG:NONE:XX:XX&gad\_source=1&gclid=Cj0KCQjwlN6wBhCcARIsAKZvD5jI0-S3aSqEe\_5QJLi2gGIOeROA8anSnzf\_MWp7pv8fjIxLLawMPswaAgjUEALw\_wcB&gclsrc=aw.ds](https://advisors.vanguard.com/insights/article/what-is-direct-indexing?cmpgn=FAS:PS:XX:PERSONINDEX:20231005:GG:DM:WhatisDirectIndexing:NOTARG:NONE:XX:XX&gad_source=1&gclid=Cj0KCQjwlN6wBhCcARIsAKZvD5jI0-S3aSqEe_5QJLi2gGIOeROA8anSnzf_MWp7pv8fjIxLLawMPswaAgjUEALw_wcB&gclsrc=aw.ds) ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Home Page, Other, PHYSICIANS, Tax Information **Tags:** Tax Mitigation Strategies for Doctors and Physicians --- ### [What is a Donor Advised Fund?](https://25financial.com/donor-advised-fund/) **Published:** July 8, 2024 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** I just re-watched the historical mini-series, “The Men Who Built America.” It documents the ingenious men who built bridges spanning the Mississippi, mass produced combustion engine cars, created electricity, and more. These men were fiercely competitive and obscenely rich. And happy, right? No. Henry Ford said, “I was happier when doing a mechanic’s job.” John D. Rockefeller said, “I have made many millions, but they have brought me no happiness.” Andrew Carnegie agreed that “millionaires seldom smile.” John Jacob Astor claimed, “I am the most miserable man on Earth.” The secret to happiness? It may just be charitable giving. Avoid the pitfalls of the past and [look toward the future with generosity](https://25financial.com/generosity/). One of the most popular charitable giving vehicles is the donor-advised fund, or DAF. Wondering what a donor-advised fund is and whether it makes sense for you and your organization? Keep reading to learn more. ## Why Give? For thousands of years, literature has cautioned against chasing after riches. King Solomon, the wisest king in recorded history, cautions, “such is the fate of all who are greedy for money; it robs them of life.” He further notes that “whoever loves money never has enough; whoever loves wealth is never satisfied with their income.” He therefore advises listeners to “give freely and become more wealthy,” stating that “the generous will prosper” and “those who refresh others will themselves be refreshed.” At first glance, this advice seems strange. Solomon suggests that if we want to exit the rat race, “be refreshed,” and even become “more wealthy,” we are to be generous and give freely. But really, on closer inspection, this advice isn’t strange at all. Generously giving unlocks the heart to become a joyful giver. In today’s modern world, one way to become a joyful giver is utilizing a donor-advised fund, or DAF. ## How the Donor Advised Fund Works There are a plethora of ways to give. The typical way is to donate cash via credit card or check directly to a charity. With this giving strategy, at the end of the year, the charity sends a tax receipt that you show your accountant for a tax deduction (in the year of the gift). While this method has its benefits, many for-profit and nonprofit organizations alike could benefit from establishing a donor-advised fund, or DAF, to manage their charitable giving. A donor-advised fund (DAF) is a giving account established at a public charity. The 501(c)(3) public charity serves as a “sponsoring organization,” which manages and administers individual DAF accounts. A DAF may sound like it’s for the ultra-rich, but really it is accessible to anyone who is able to itemize their deductions on their taxes and wants to donate to charitable organizations. Here’s how it works. To qualify for a tax benefit, you must itemize your deductions. For 2024, the standard deduction is $14,600 for individuals and $21,900 for married couples filing jointly. In other words, you’ll need to exceed those numbers to be eligible. If you do not exceed those numbers, there is essentially no tax benefit given. Using a DAF, you can pool all your charitable contributions (cash, stock, business interests, etc.) in one account. At your recommendation, you can direct this account to which IRS-qualified charities to donate. This move additionally allows for control over the timing of your income tax deduction. In simple terms, you are setting up a brokerage account. You fund the brokerage account with charitable gifts (cash/cryptocurrency/real estate/life insurance/other complex assets) and receive a tax benefit in that year. Of course, a DAF is not just a charitable giving strategy, but also[ a tax mitigation and investment strategy](https://25financial.com/tax-mitigation-strategies/). If you choose to invest the funds, you can see tax-free growth. For example, if you bought some Nvidia or Bitcoin ten years ago, you may have some large gains that you don’t want to pay taxes on (i.e., capital gains tax). Move them over to your DAF and you get a tax deduction on the entire amount, not just what you initially invested. ## Why Use a Donor-Advised Fund? A donor-advised fund is a great way to not just make charitable donations to your favorite charities and reach your philanthropic goals, but also get some good tax benefits. It’s a win-win for everyone involved when you set up this type of charitable fund. If you are charitably inclined, or you are trying to save on taxes at the end of a big year, the task of finding a charity or tracking down receipts once you’ve found and funded one can be a challenge. A DAF allows you to fund in a tax year and get the immediate tax deduction on the full amount in that tax year *without* having to make big decisions on where to gift in that same year. It essentially allows you to kick the can down the road, if you so choose, and provides some additional flexibility. You also don’t have to keep track of receipts, because everything will be tracked within your portal. ## FAQs What organizations offer donor-advised fund accounts? It’s possible to set up a donor-advised fund or charitable giving account with sponsoring organizations like Fidelity Charitable, Schwab Charitable, National Philanthropic Trust, and American Endowment Foundation. Many religious and/or community foundations like Catholic Charities USA also sponsor these accounts. What if I want to donate to an organization that is not yet IRS-approved? If an organization is not yet approved, you can submit simple documentation to get it approved. Donor-advised fund contributions hit a new high of $86 billion in 2022 because of the flexibility, simplification, and tax benefits that they provide. 10% of all giving now comes directly from donor-advised funds and donor-advised fund giving has increased over 400% over the last decade. Are there any fees associated with a donor-advised fund? Usually, yes, there are annual administrative fees that providers charge to manage a charitable giving account like a donor-advised fund. For example, Fidelity Charitable typically charges less than 1% of the account’s balance and Schwab Charitable charges around 0.60%, although these numbers can change based on factors like the amount of funds in each account. Can I remove assets from a donor-advised fund? Generally, no, you cannot remove assets from a donor-advised fund. Do donor-advised funds allow for grantmaking? Yes, you can usually make grant recommendations to organizations like universities and tax-exempt public charities; charitable distributions are usually not allowed to private foundations. I want to explore a DAF. What are my next steps? If you think a DAF or other investment options may be worth exploring, contact your 25 Financial Advisor today. **References:** [https://www.givesmart.com/blog/the-need-to-know-on-donor-advised-funds/#:~:text=Pros%20and%20Cons%20of%20Donor%2DAdvised%20Funds%20(DAFs)&text=Donors%20get%20immediate%20tax%20benefits,outpacing%20DAFs’%20grant%2Dmaking](https://www.givesmart.com/blog/the-need-to-know-on-donor-advised-funds/#:~:text=Pros%20and%20Cons%20of%20Donor%2DAdvised%20Funds%20(DAFs)&text=Donors%20get%20immediate%20tax%20benefits,outpacing%20DAFs'%20grant%2Dmaking). Disclosure: We are not tax professionals, so please consult with your own tax professional before implementing any strategy discussed. Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any investment decisions. ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** BASICS, Other --- ### [Navigating Market Fluctuations](https://25financial.com/navigating-current-market-fluctuations/) **Published:** August 7, 2024 **Author:** Tim Moore **Content:** Written by Tim Moore, Financial Advisor The markets sold off dramatically on Monday, August 5th on fears of a cooling economy and that the Federal Reserve was being too slow to lower interest rates, risking sending the country into a recession. The CBO Volatility index, known as the VIX, did something it hasn’t done since the Great Financial Crisis of 2008. VIX RatingGeneral market sentiment based on VIX0-15This can indicate a certain amount of optimism in the market as well as very low volatility.15-25This can indicate that there is a certain amount of volatility, but nothing extreme.25-30This can indicate that there is a certain amount of market turbulence and volatility is increasing.30+This can indicate that the market is highly volatile and there may be some extreme swings soon.1Jonathan Krinsky, chief market technician at BTIG2, pointed out that for a brief period, the spread between the spot VIX and its second-month futures contract reached a deeply negative 30 points, exceeding its most recent lows reached during the depths of the COVID-19 selloff. On a closing basis, this would have been the widest level since October 2008, Krinsky said. What does this mean for the market in the near term? To put it simply, no one knows! Some speculate this is the beginning of a deeper selloff, that we are heading into a bear market, a recession, or it’s a massive bubble bursting. Others point to the fact that dramatic spikes in the VIX to these levels often point to the end of a sell-off cycle rather than the beginning, and the recent moves help to make stocks more reasonably priced again. As long-term investors and financial advisors, we are not concerned with the day-to-day fluctuations of the market, but rather use these moments to our advantage by putting new money to work when available. In fact, if you look at the data, you may be surprised how well the market tends to do after dramatic days like this. There have been 9 instances since 19903 when the VIX has moved from a relatively calm level to above 30 like it did on August 5th. We wanted to see what the S&P 500 returned 3 months, 6 months, 1 year, and 3 years later. Here are the results: **Time Period****Instances of Gains****S&P Average Gain****S&P Median Gain****After 3 Months****8 of 9****9%****11%****After 6 Months****8 of 9****15%****22%****After 1 Year****8 of 9****23%****27%****After 3 Years****9 of 9****45%****54%**4What is also interesting to note is the majority of the VIX spikes came in the months of August, September, and October. You can see that seasonality often plays a factor in this not-so-unusual occurrence. Key Takeaway: when the market acts up, zoom out, diversify, and make sure your financial plan accounts for the ride! ![](https://25financial.com/wp-content/uploads/2024/08/Picture155.png "Picture155 - 25 Financial") 1 https://www.td.com/ca/en/investing/direct-investing/articles/understanding-vix 2 A global financial services firm specializing in investment banking, institutional trading, research and related brokerage services. 3 August 1990, October 1997, July 1998, October 2001, September 2002, October 2008, June 2010. September 2011, March 2020 4 ![](https://25financial.com/wp-content/uploads/2024/08/Picture2612.png "Picture2612 - 25 Financial") ![author avatar](https://secure.gravatar.com/avatar/297d97a1ef01ceb4dde0878014023f96687fd610262cbeba5e43fab19b6e18dc?s=300&d=mm&r=g) Tim Moore [See Full Bio](https://25financial.com/author/timmoore/) [ ](https://25financial.com/author/timmoore/) **Categories:** Other --- ### [What is a 1031 Exchange in Real Estate?](https://25financial.com/what-is-a-1031-exchange-in-real-estate/) **Published:** January 3, 2025 **Author:** Pavin White **Content:** # What is a 1031 Exchange in Real Estate? A 1031 exchange, also known as a tax-deferred exchange, is a powerful tool for real estate investors looking to defer capital gains taxes when selling investment properties. Named after Section 1031 of the Internal Revenue Code (IRC), this strategy allows taxpayers to reinvest the proceeds from the sale of one property into a like-kind property of equal or greater value without immediately recognizing capital gains. This process can help real estate investors maximize cash flow, diversify their portfolios, and build long-term wealth. ## How Does a 1031 Exchange Work? At its core, a 1031 exchange enables real estate investors to preserve their profits from the sale of an investment property by rolling them into a new investment. To fully benefit from this tax-deferral strategy, taxpayers must adhere to the specific rules outlined by the IRS tax code. Here’s an overview of the exchange process: Step 1: Sale of the Relinquished Property The first step involves selling a real property—whether it’s a rental property, vacant land, or a multifamily unit. A qualified intermediary must hold the sale proceeds to maintain compliance with IRS regulations. Direct control of the funds by the taxpayer would disqualify the transaction. Step 2: Identification of Replacement Property Within 45 days of the sale, taxpayers must identify one or more potential replacement properties. These must meet the IRS criteria for like-kind exchanges, meaning they must also be used for investment or business purposes, such as a commercial real estate asset or apartment building. Step 3: Acquisition of the Replacement Property The new property must be purchased within 180 days of selling the exchanged property or the due date of the taxpayer’s tax return, whichever comes first. Additionally, the market value of the replacement property must be equal to or greater than that of the relinquished property to avoid triggering capital gains taxes. Step 4: Tax Deferral By completing the exchange process, taxpayers can defer both capital gains taxes and depreciation recapture, reinvesting those savings into their next real estate investment. ![](https://25financial.com/wp-content/uploads/2024/11/jason-dent-w3eFhqXjkZE-unsplash-1300x1300.jpg "jason-dent-w3eFhqXjkZE-unsplash - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/09/pexels-jessica-bryant-592135-1370704-1300x1300.jpg "pexels-jessica-bryant-592135-1370704 - 25 Financial - 25 Financial") ## Types of 1031 Exchanges 1031 exchanges are flexible enough to accommodate a variety of investment scenarios, but the right type of exchange depends on the taxpayer’s specific goals and circumstances. Below are some common types of exchanges: Delayed Exchange The delayed exchange is the most common type, allowing time between selling the relinquished property and acquiring the replacement property. This exchange is ideal for investors who want to carefully select their next investment while benefiting from tax deferral. Reverse Exchange A reverse exchange flips the order of operations, enabling investors to acquire the replacement property before selling the relinquished property. This strategy is particularly useful in competitive real estate markets where securing the ideal new property is critical. Tenant in Common (TIC) Exchange For investors looking to own a fraction of a larger type of property, a TIC exchange provides an opportunity to co-own like-kind property with other investors. Commonly applied to multifamily or commercial real estate, this approach allows for portfolio diversification and shared ownership. Vacation Home Exchange Investors can also exchange vacation properties if they meet the IRS guidelines for business use, ensuring compliance with the exchange rules while maximizing the asset’s potential. ## 4 Main Benefits of a 1031 Exchange A 1031 exchange offers real estate investors a host of benefits beyond just tax deferral. By reinvesting sale proceeds, you can achieve a more robust investment portfolio and secure your financial future. Here’s how: **1. Tax Deferral:** Postponing capital gains tax and depreciation recapture allows investors to reinvest a larger amount into their replacement property, amplifying their buying power. **2. Portfolio Diversification:** Exchanging one personal property for another, perhaps transitioning from a rental property to a multifamily unit, opens the door to greater cash flow and a more balanced investment portfolio. **3. Estate Planning Opportunities:** A 1031 exchange can enhance your estate planning strategy by deferring taxes and creating opportunities for heirs to inherit properties with a stepped-up cost basis, potentially reducing their tax liability. **4. Enhanced Cash Flow:** By reinvesting into properties with higher income potential, investors can enjoy improved cash flow and returns over time. ### Key Considerations and Rules Successfully executing a 1031 exchange requires attention to detail, adherence to IRS exchange rules, and careful planning. Below are some essential considerations: **Strict Time Limits:** The IRS mandates a 45-day timeframe to identify replacement properties and a 180-day window to complete the purchase. Missing these deadlines can disqualify the exchange transaction. **Qualified Intermediary:** A facilitator must manage the exchange funds to comply with IRS regulations. **Like-Kind Property:** The replacement property must be of the same nature as the relinquished property—for example, transitioning from vacant land to a commercial real estate asset qualifies. **Consulting a Tax Advisor:** Working with a CPA or tax advisor ensures your exchange aligns with your overall tax and financial strategy. ## Why Choose 25 Financial for 1031 Exchanges? At 25 Financial, we form partnerships with real estate investors, and help guide them the complexities of the 1031 exchange process. With our deep expertise in estate planning, investment strategy, and tax-efficient financial solutions, we provide tailored strategies to help you achieve your goals. Whether you’re diversifying your portfolio or reinvesting proceeds into higher-yield properties, we’re here to support you every step of the way. ### Contact Us Ready to learn how a 1031 exchange can transform your real estate portfolio? At 25 Financial, we combine expert guidance with a personalized approach to help you secure your financial future. Contact us today to schedule a consultation and discover how to make the most of every investment opportunity. ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* *25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Alternatives, Other --- ### [Physician Contract Negotiations](https://25financial.com/physician-contract-negotation/) **Published:** January 28, 2025 **Author:** Pavin White **Content:** # Physician Contract Negotiations Physicians and other medical professionals are in high demand. That means these professionals have plenty of room to negotiate their own employment contract terms. If you’re a medical professional looking to enter physician contract negotiations, don’t just sign the first offer letter that comes your way. Learn how to successfully negotiate your contract terms to get the best start to a new job or contract renewal. ## Successfully Negotiate Physician Employment Contracts Whether you’re a[ medical school resident](https://25financial.com/who-we-serve/medical-residents/) or[ career physician](https://25financial.com/who-we-serve/physicians/), know your worth and take charge of the negotiation process. Consider the following when reviewing new job offers. Where Can I Learn More About Physician Salaries? You can get a good idea for what your salary range should be by comparing your job offer’s salary to benchmarks from reputable sources of physician compensation data, like[ Medical Group Management Association (MGMA) reports](https://www.mgma.com/datadive/provider-compensation) and[ U.S. Bureau of Labor Statistics](https://www.bls.gov/). What is the Average Physician Salary? In the United States,[ **the average annual wage for physicians was $248,640 in May 2023**](https://www.bls.gov/oes/2023/may/oes291229.htm)**.** Which States Have the Lowest Physician Salary? In May 2023, the following states had the[ lowest average annual salary range, between $172,030 – $225,650](https://www.bls.gov/oes/2023/may/oes291229.htm): - Arizona - Illinois - Arkansas - Michigan - Pennsylvania - New Jersey - Delaware - Maryland - Virginia - North Carolina - Rhode Island Which States Have the Highest Physician Salary? In May 2023, the following states had an[ above-average annual salary range of $302,110 – $351,270](https://www.bls.gov/oes/2023/may/oes291229.htm): - Wyoming - North Dakota - Minnesota - Nebraska - Colorado - New Mexico - Hawai’i - Louisiana - Indiana - Kentucky - South Carolina - New Hampshire - Connecticut The state with the[ highest average annual wage in May 2023 ($351,270) was Montana](https://www.bls.gov/oes/2023/may/oes291229.htm). How Can I Negotiate for a Higher Physician Salary? When you sit at the negotiation table, you can advocate for a higher salary or hourly pay by having the following documented and ready: - Hard data on the average salary range in your area - Proof of all special certifications and training that deserves better compensation - Details about past accomplishments from previous positions With these details ready, you can politely and confidently ask for higher pay with clear points to back up why you think you deserve better compensation. ![](https://25financial.com/wp-content/uploads/2024/09/pexels-n-voitkevich-8927462-650x650.jpg "pexels-n-voitkevich-8927462 - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/08/pexels-kampus-8815875-1300x650.jpg "pexels-kampus-8815875 - 25 Financial - 25 Financial") Call Schedule and Call Coverage No one but you knows your own limits. When reviewing potential call schedules and coverage, make sure they seem reasonable for *you* to avoid burnout. **What’s a Good Call Schedule for Physicians?** The answer to this question will vary based on who’s asking it. That said, many physicians prefer a rotating schedule that offers plenty of flexibility, with no one physician receiving an unfair distribution of hours or duties. Non-Compete Clauses Know the laws and regulations of the area you wish to work in. Non-compete clauses may not always be legal where you’re at, or they may be legal with certain restrictions. Do your due diligence and refer to[ reputable sources like the American Medical Association (AMA)](https://www.ama-assn.org/medical-residents/transition-resident-attending/what-employed-physicians-should-know-about) to learn more about the legality of these clauses in your area. **Which States Ban Non-Compete Agreements?** [The following states have full or nearly complete bans on non-compete employment agreements](https://eig.org/state-noncompete-map/) for most workers: - California - Oklahoma - North Dakota - Minnesota Signing Bonuses Sign-on bonuses aren’t required, but decent ones can show that potential employers value your skillset and are making offers in good faith. **What is a Good Sign-On Bonus for Physicians?** [According to AMN Healthcare’s *2024 Review of Physician and Advanced Practitioner Recruiting Incentives*](https://www.amnhealthcare.com/siteassets/amn-insights/physician/incentive-review-2024-final.pdf), the average signing bonus for physicians was $31,473. Term Length How long is the duration of your contract? Does it line up with your short-term and long-term goals? **How Long are Physician Employment Contracts?** The initial employment contract for physicians[ is typically between one and three years.](https://www.chellelaw.com/how-long-are-most-physician-contracts/) Resignation Requirements While 2 weeks is standard for most resignation notices, standards are different for physicians. Most contracts have a one- to three-month notice requirement for resignations. A significantly longer or shorter resignation requirement might not necessarily be a deal-breaker itself, but it could signal a need to more carefully comb over the details in other parts of the contract. Benefits Packages [Physician job benefits packages](https://25financial.com/employee-benefits/) will vary from location to location, but most employment agreements will typically include most, if not all, of the following: - **Comprehensive health insurance.** Policies can include disability, dental, vision, medical, and mental health coverage. - **Malpractice insurance.** Not every state requires this type of insurance, but it’s always important for physicians to carry a hefty policy in case of litigation. A competitive offer can include a[ robust malpractice insurance policy](https://25financial.com/services/insurance-planning/). - **Generous paid time off.** Vacation time is critical for avoiding burnout.[ According to a 2018 Medscape report](https://www.medscape.com/slideshow/2018-lifestyle-happiness-6009320#14), nearly half (49%) of all physicians took between 3 to 4 weeks of vacation and almost a fifth (18%) took 5 or more weeks off. - **Relocation reimbursements.**[ According to AMN Healthcare, $11,284 was the mean relocation allowance for doctors](https://www.amnhealthcare.com/siteassets/amn-insights/physician/incentive-review-2024-final.pdf). - **Reimbursements for**[ **CME (continuing medical education) credits**](https://www.nih.gov/about-nih/what-cme-credit)**.** AMN Healthcare states that physicians, on average,[ receive $3,969 towards CME](https://www.amnhealthcare.com/siteassets/amn-insights/physician/incentive-review-2024-final.pdf). - **Retirement benefits.** These benefits can include 401(k)s or another[ defined contribution plan for retirement](about:blank). Deal-Breakers The following red flags can signal that a potential employer is not acting in good faith and could be grounds for stepping away from an offer: - The hiring manager is not forthcoming about physician salary. - The offer includes illegal non-compete clauses or other contract terms. - The employer wants to rush you through the physician contract review. - The hiring manager negotiates for a lower base salary than was listed in a letter of intent (LOI). - The writing is vague, unclear, or deliberately misleading. - The contract contains unreasonably long resignation notice requirements. - The contract is missing important information, such as details about benefits. - The hiring team is unresponsive to requests for clarification or otherwise wants to avoid answering questions about the offer. - The employer does not allow for cost-of-living adjustments or merit-based raises. Ultimately, it’s up to you to decide what’s negotiable and what constitutes a deal-breaker. Dos and Don’ts Work smarter, not harder, during the negotiation process. Keep these dos and don’ts in mind for a physician employment agreement: - *Do* discuss if a contract automatically renews or not. - *Don’t* sign a LOI before negotiations. - *Do* have all questions ready before entering negotiations. - *Don’t* rush through the process. - *Do* recognize that negotiations may be harder with offers from large hospital groups compared to small private practices. A Second Set of Eyes When in doubt, get a second opinion from a licensed contract lawyer or a team of registered financial advisers. These professionals can help you navigate complex legalese found in employment contracts and give you an outsider’s opinion on what parts of the contract are worth negotiating over. 25 Financial’s team of [financial planning](https://25financial.com/services/financial-planning/) and investment experts have years of experience working closely with physicians and other high-net-worth medical professionals. We work with our clients at every step of their careers, from[ planning student loans](https://25financial.com/services/student-loans/) to[ managing debt](https://25financial.com/services/debt-management/) to[ retirement planning](https://25financial.com/services/retirement-planning-advisor/). [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) ***Disclosure:** This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* *25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other, PHYSICIANS --- ### [Edward Jones vs Competitors: What Investors Need to Know](https://25financial.com/edward-jones-vs-competitors/) **Published:** July 16, 2025 **Author:** Pavin White **Content:** # Edward Jones vs Competitors: What Investors Need to Know When it comes to choosing a financial advisor, the options can feel endless. Between traditional full-service firms like Edward Jones, investment giants like Vanguard and Fidelity, and DIY apps with robo-advisors, it’s tough to know who truly puts your financial goals first. Each firm offers different services, fee structures, and investment strategies—so how do you know which is right for you? In this post, we’ll explore how Edward Jones compares to competitors like Charles Schwab, Merrill Lynch, and others in terms of financial planning, investment management, access to alternative investments, and overall value, especially for high-net-worth individuals seeking sophisticated wealth management. [ The Access Barrier: Alternative Investments ](#TheAccess) [ Competitor Breakdown ](#Competitor) [ Fee Structures and Fiduciary Standards Matter ](#FeeStructures) [ Why More Investors Are Choosing 25 Financial ](#Whymore) ![](https://25financial.com/wp-content/uploads/2025/07/Edward-Jones-South-106.2-1024x523.jpg "Edward-Jones-South-106.2 - 25 Financial - 25 Financial") ## Edward Jones: A Traditional, In-Person Model Headquartered in St. Louis, Edward Jones is one of the most recognized financial services companies in the U.S., with over $1.9 trillion in assets under management (AUM). Known for its in-person, community-based model, Edward Jones assigns each client a personal financial advisor who typically offers planning services, including retirement accounts, mutual funds, annuities, and insurance. While Edward Jones is beloved by some for its hometown feel and personal touch, critics point to its fee-based structure and reliance on proprietary products, which may come with higher fees and expense ratios. According to many reviews, Edward Jones charges more than some of its competitors while offering fewer tools for tech-savvy investors and limited access to diversified strategies. ## The Access Barrier: Alternative Investments One of the more significant—but often overlooked—differences between large investment firms and independent advisory firms is access to alternative investments. Firms like Edward Jones typically offer a curated menu of pre-approved investment products such as mutual funds, ETFs, and annuities. While these options may be suitable for many investors, they often limit exposure to non-traditional assets like private equity, real estate syndications, or hedge funds—tools that can provide diversification, income, or downside protection. What’s more, Edward Jones currently requires a $10 million minimum to access most alternative investment options. This can create a significant access barrier for many high-net-worth investors who are looking to diversify their portfolio but don’t meet that threshold. By contrast, some independent advisory firms—including 25 Financial—may provide access to similar opportunities at a lower minimum, often around $1 million in assets under management. These firms can evaluate alternative investments using internal due diligence processes and present them when appropriate as part of a broader investment strategy. For investors seeking broader diversification and more flexible investment structures, understanding these access barriers is an important part of comparing financial services providers. ## Competitor Breakdown Let’s look at how Edward Jones compares to some of its biggest competitors in wealth management and investment services: 25 Financial 25 Financial stands apart as an independent, fiduciary-first financial advisory firm. We specialize in helping high-net-worth individuals—including physicians, business owners, and retirees—create tailored wealth-building strategies. Unlike the big firms, we provide: – Fiduciary advice without the same sales incentives – True personalized service—not a one-size-fits-all model – Access to alternative investments like private equity, real estate syndications, and custom strategies not typically offered by larger institutions – Transparent fee structures, with a bias toward maximizing your returns, not product sales Whether you’re seeking complex tax planning, a smarter investment strategy, or legacy-focused estate planning, 25 Financial delivers clarity, independence, and solutions that align with your long-term vision. Vanguard Vanguard is known for low-cost, passive investing, offering index and ETF-based portfolios with rock-bottom fees. They’re ideal for cost-conscious individual investors, but their model relies heavily on automation and self-service tools. Personal advising may come through a robo-advisor or be reserved for those with high AUM. Charles Schwab A hybrid option, Schwab offers financial advisory and DIY investing. Their platform includes apps, a strong online presence, and full-service branches. However, unless you qualify for premium tiers, personalized service may be limited compared to boutique advisory firms. Fidelity Investments Fidelity blends tech-forward tools with personalized service, but like Schwab, much depends on the level of your client assets. They have strong planning services, especially for retirement, but their access to alternative investments and truly custom strategies may be limited. Merrill Lynch Part of Bank of America, Merrill Lynch appeals to higher-net-worth clients with traditional wealth management services. While they offer more hands-on financial planning, they are still beholden to the structure of a large bank and tend to focus on standardized solutions across portfolios. ## Fee Structures and Fiduciary Standards Matter Another major point of comparison is how firms make money and whether they act in your best interest. Edward Jones operates under a fee-based model, which means their financial advisors can earn commissions from selling certain products. That creates the potential for conflicts of interest. By contrast, fiduciary advisors like 25 Financial are legally required to put your interests first. Understanding fee structures, including expense ratios, advisory fees, and sales charges, is essential. Many investors are unaware of how much they’re paying for investment advice, which can quietly erode returns over time. ## Why More Investors Are Choosing 25 Financial At 25 Financial, we take a different approach. We’re an independent, fiduciary firm committed to delivering clear, conflict-free financial advice. Our team of experienced financial planners provides truly personalized service, offering everything from retirement planning and tax strategies to investment management and estate planning. We believe in giving clients access, not just to stocks and bonds, but to a full range of alternative investments that aren’t typically available through firms like Edward Jones. Whether you’re based in New York, St. Louis, or elsewhere in the United States, our personalized, transparent model is built around helping you grow wealth strategically. Our promise? No cookie-cutter portfolios. No hidden fees. No big-bank bias. ## Ready to Talk About Your Financial Future? If you’ve ever wondered whether you’re getting the right advice—or paying too much for too little—now is the time to explore your options. At 25 Financial, we help clients across the country pursue their goals with clarity, confidence, and smart strategy. Let’s make the most of your 24 hours—actually, let’s make it 25. [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* *Securities offered through Great Point Capital, LLC; member FINRA/SIPC/IEX. Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. Great Point Capital, LLC and 25 Financial are separately owned and unaffiliated entities.* ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared --- ### [Real Estate Investing for Physicians](https://25financial.com/real-estate-investing-for-physicians/) **Published:** August 6, 2025 **Author:** Pavin White **Content:** # Real Estate Investing for Physicians ***Guide to Building Wealth and Securing Your Financial Future*** [ Why Physicians Turn to Real Estate Investing ](#WhyPhysicians) [ 5 Common Real Estate Investing Strategies for Physicians ](#5Common) [ Key Considerations Before You Invest ](#KeyConsiderations) [ Real Estate Investing for Physicians FAQs ](#RealEstate) For busy [physicians](https://25financial.com/who-we-serve/physicians/), real estate investing has become an increasingly attractive way to build wealth, generate passive income, and diversify beyond the stock market. Between long hours, high-income potential, and the ever-present risk of burnout, physicians often look for strategies that help secure their financial future without requiring another full-time job. Real estate offers unique benefits for healthcare professionals. From rental property cash flow to the [tax advantages](https://25financial.com/physicians/tax-planning/) of depreciation and [1031 exchanges](https://25financial.com/what-is-a-1031-exchange-in-real-estate/), physician investors can use real estate to create passive income streams, protect their net worth, and work toward financial freedom. ## Why Physicians Turn to Real Estate Investing Real estate investing allows physicians to diversify their investment portfolio beyond traditional asset classes like stocks and bonds. For high-income earners, this can provide: - **Passive income** from rental income or real estate syndications - **Cash flow** that supplements or eventually replaces W-2 income - **Tax benefits,** including depreciation, mortgage interest deductions, and potential tax deferral through 1031 exchanges - **Financial independence** and a pathway to reducing clinical hours or mitigating burnout Whether through direct ownership of rental property, passive real estate investing via syndications, or investing in REITs, medical professionals have multiple paths to real estate success. ## 5 Common Real Estate Investing Strategies for Physicians 1. Rental Property Ownership Many physicians start with single-family rental homes or small multifamily properties. Rental income can create cash flow while tenants effectively pay down the mortgage. Hiring a property management company allows physician investors to remain hands-off while still building a real estate portfolio. 2. Passive Real Estate Investing (Syndications and Crowdfunding) Passive real estate investing is perfect for busy hospitalists or physicians with demanding schedules. By participating in real estate syndications or crowdfunding platforms, you can pool your funds with other real estate investors to acquire larger properties like an apartment complex, commercial properties, or multifamily buildings. This approach provides the benefits of real estate without the day-to-day property management responsibilities. 3. REITs (Real Estate Investment Trusts) REITs allow you to invest in real estate markets through publicly traded shares, offering liquidity and low management requirements. While REITs may not offer the same tax advantages as direct ownership, they are a simple way to diversify your investment portfolio. 4. 1031 Exchanges Physician investors who already own investment property can use a [1031 exchange](https://25financial.com/services/1031-exchange/) to sell a relinquished property and reinvest in a replacement property of greater value, deferring capital gains taxes. This tax-deferred exchange, governed by the IRS and the Internal Revenue Code (IRC), allows real estate investors to scale their portfolio without triggering immediate tax liability. 5. Short-Term and Vacation Rentals Short-term rental properties and vacation homes can generate higher rental income than traditional leases but require more oversight. Partnering with a professional property management company or management service can keep this investment type truly passive. ## Key Considerations Before You Invest - **Due diligence:** Evaluate each potential investment carefully, including market value, cash flow projections, and management fees. - **Liquidity and time commitment:** Real estate is less liquid than the stock market and can require time to manage unless you choose passive real estate investing options. - **Tax planning:** Work with a CPA or tax advisor to understand depreciation, capital gains, and potential deductions. - **Accreditation requirements:** Many real estate syndications and private real estate investment opportunities require accredited investor status. Real estate investing can complement your existing investment strategy, providing diversification, stability, and potential long-term wealth-building opportunities for physicians and other high-income professionals. ## Real Estate Investing for Physicians FAQs What is the easiest way for a physician to start investing in real estate? For busy medical professionals, the simplest way to begin is with passive real estate investing, such as syndications, crowdfunding platforms, or REITs. These allow you to participate in real estate without dealing with property management or tenant issues. Over time, you can consider direct ownership of rental property or commercial properties for potentially higher returns. Are there special tax benefits for physician real estate investors? Yes. Real estate offers unique tax benefits like depreciation to offset rental income and the ability to defer capital gains taxes through 1031 exchanges. High-income earners may also deduct mortgage interest, property taxes, and certain operational costs. A CPA or tax advisor can help ensure you maximize these tax advantages. Do I need to be an accredited investor to invest in real estate syndications? Most real estate syndications require accreditation, which typically means having $1 million in net worth (excluding your primary residence) or earning $200,000 per year individually ($300,000 with a spouse). Accreditation ensures you can handle the potential illiquidity and risk of these investments. Non-accredited options like REITs or crowdfunding can be a starting point. Is real estate investing risky for physicians? Yes. Real estate carries risk related to market conditions, interest rates, and property-specific issues like vacancies or unexpected expenses. Diversification across asset classes and working with a property management company can mitigate risk. Passive real estate investing also reduces hands-on exposure to these challenges. Can real estate help physicians achieve financial freedom? Absolutely. Real estate investing can create passive income streams that reduce reliance on hospital or practice income. With time, a well-structured real estate portfolio can provide financial independence, allowing more flexibility in your career or a gradual transition to part-time work. How do interest rates affect physician real estate investors? Interest rates affect your financing costs and potential cash flow. Higher rates can reduce returns, while lower rates make it easier to generate positive cash flow. Locking in favorable rates and working with an experienced financial advisor can help you manage this variable effectively. What types of real estate investments are best for busy medical professionals? Passive investments like syndications, crowdfunding, and REITs are often the best choice for physicians who lack time for active property management. If you prefer direct ownership, hiring a property management company ensures your rental properties remain a source of passive income rather than an added workload. How does a 1031 exchange fit into physician real estate investing? A 1031 exchange allows you to sell an investment property and reinvest the proceeds into a like-kind property, deferring capital gains tax. This can accelerate portfolio growth for physician investors. It requires a qualified intermediary, strict time limits, and adherence to IRS rules, so expert guidance is essential. Do short-term rentals make sense for physicians? Short-term rentals like Airbnb can offer higher cash flow but require more management. Physicians who want to pursue this route often hire a professional management company. These investments work best in high-demand areas like travel destinations or near medical conference hubs, but must be weighed against liquidity and regulatory factors. ## Achieve More With 25 Financial Real estate investing can be a powerful tool for building wealth, creating passive income, and achieving long-term financial independence. Whether you are a hospitalist exploring passive real estate investing or a high-income earner building a diverse real estate portfolio, 25 Financial can help you align these investments with your broader financial goals. **Let’s make the most of your 24 hours—actually, let’s make it 25.** [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Alternatives, Other, PHYSICIANS --- ### [Financial Planning for Doctors: A Complete Guide to Building Long-Term Wealth](https://25financial.com/financial-planning-for-doctors-a-complete-guide-to-building-long-term-wealth/) **Published:** August 27, 2025 **Author:** Pavin White **Content:** [ Why Financial Planning Matters for Medical Professionals ](#Whyitmatters) [ Managing Student Loans and Debt Repayment ](#ManagingStudentLoans) [ Building a Strong Investment Strategy ](#StrongInvestmentStrategy) [ Protecting What Matters Most: Insurance and Risk Management ](#ProtectingWhatMattersMost) [ Tax Planning and Retirement Strategies ](#TaxPlanning) [ Estate Planning for Physicians ](#EstatePlanning) [ FAQS ](#FAQs) For medical professionals, achieving financial success takes more than earning a high income. Between student loan debt, irregular training timelines, and demanding careers, physicians face unique challenges that make financial planning essential. Developing a clear strategy for managing cash flow, paying down debt, and investing wisely can help doctors secure their financial future and achieve lasting peace of mind. This guide explores the key components of financial planning for doctors, from retirement planning and tax strategies to investment management and insurance planning. While the insights here are designed to educate, working with a fiduciary financial planner who specializes in serving medical professionals, like 25 Financial, can ensure your strategy is personalized to your goals and financial situation. ## Why Financial Planning Matters for Medical Professionals Doctors often spend years in medical school and residency before earning their first full-time paycheck. While income potential is high, so are the financial pressures. Between student loans, delayed savings, and complex tax obligations, many healthcare professionals feel behind on reaching their financial goals. Comprehensive financial planning creates a framework to: - Establish strong cash flow habits while balancing high-income earning potential with long-term financial well-being. - Reduce stress by building clarity around short- and long-term financial decisions. - Align retirement planning, insurance coverage, and investment strategies with personal and professional milestones. By viewing personal finance holistically, doctors can better manage today’s responsibilities while creating a roadmap for future financial independence. ## Managing Student Loans and Debt Repayment Student loan debt is one of the most significant financial challenges young physicians face. Understanding repayment options and refinancing opportunities is critical: **Federal vs. Private Loans**: Evaluate income-driven repayment plans, forgiveness programs, or consolidation before refinancing into private loans. **Refinancing Considerations**: Lowering interest rates through refinancing can reduce long-term costs, but make sure it aligns with your career trajectory and tax strategy. **Balance Debt and Investing**: High-income earners often benefit from simultaneously tackling student loan debt and building retirement accounts to maximize tax efficiency and compounding growth. Working with a financial advisor can help ensure repayment decisions fit seamlessly into your broader financial plan. ## Building a Strong Investment Strategy Investment management is central to building wealth and achieving long-term financial goals. For physicians, creating a diversified investment portfolio requires balancing risk, liquidity, and tax efficiency: **Diversify Across Asset Classes**: Include stocks, bonds, ETFs, index funds, and retirement accounts to manage volatility and maintain growth. **Real Estate and Alternatives**: Accredited investors may consider real estate or other alternative investments for additional diversification and passive income. **Tax-Efficient Investing**: Use strategies like Roth IRAs, 401(k)s, and tax-loss harvesting to optimize after-tax returns. **Avoid Over-Concentration**: Many healthcare professionals hold large employer stock positions, so reviewing allocations regularly is key to reducing risk exposure. Physician investors benefit from personalized financial advice tailored to their unique timelines and goals. ## Protecting What Matters Most: Insurance and Risk Management Medical professionals have unique risks that require careful insurance planning to protect themselves, their families, and their earning potential: - **Disability Insurance**: Protects your income if illness or injury impacts your ability to work. - **Life Insurance**: Supports loved ones and helps cover long-term obligations like mortgages, tuition, or estate taxes. - **Malpractice Insurance**: Essential for safeguarding your financial life from professional liability claims. - **Umbrella Policies**: Add extra layers of protection for high-net-worth earners with significant assets. The right insurance coverage offers peace of mind and ensures your financial success is not derailed by unforeseen events. ## Tax Planning and Retirement Strategies High-income medical professionals face unique tax challenges. Coordinating investment strategies, retirement planning, and tax-efficient withdrawals can maximize lifetime wealth: **Retirement Accounts**: Leverage employer-sponsored plans, Roth IRAs, and backdoor contributions to build tax-advantaged savings. **Tax-Efficient** **Withdrawals**: Plan withdrawals strategically in retirement to minimize tax impact and preserve assets. **1031 Exchanges**: For real estate investors, tax deferral opportunities can enhance portfolio growth. **Charitable Giving**: Philanthropic strategies may offer meaningful tax advantages for physicians looking to give back. Collaborating with a fiduciary financial advisor ensures your financial decisions align with long-term wealth goals. ## Estate Planning for Physicians Estate planning is about more than distributing assets. For doctors, it helps protect your loved ones and ensures your wishes are honored: - **Wills and Trusts**: Establish clarity on how assets are managed and transferred. - **Beneficiary Designations**: Keep retirement accounts and insurance policies up to date to avoid complications. - **Asset Protection**: Shield personal wealth from potential liabilities related to your practice or investments. Integrating estate planning into your broader wealth management strategy can provide both security and financial independence. ## Frequently Asked Questions Why is financial planning different for doctors? Doctors often enter the workforce later and carry significant student loan debt while earning a high income early in their careers. These unique factors create challenges around debt repayment, investing timelines, and tax strategies that require specialized financial planning. Should physicians pay off student loans or invest first? It depends on your interest rates, career stage, and overall financial goals. Some doctors benefit from aggressively paying down high-interest loans, while others prioritize contributing to retirement accounts early to take advantage of compounding growth and tax benefits. How much should physicians save for retirement? Many experts recommend saving at least 20% of your income, but the right amount depends on your lifestyle, financial situation, and long-term goals. A financial advisor can create projections tailored to your earning potential and desired retirement age. What insurance coverage do doctors need most? Disability insurance is often considered the most critical, given the reliance on future earnings. Life insurance, malpractice coverage, and umbrella policies are also essential for protecting your family and personal wealth. Do I need a financial advisor who specializes in healthcare professionals? While it isn’t required, many physicians find value in working with a fiduciary financial planner who understands the unique challenges of medical school debt, tax efficiency, and practice ownership. Firms like 25 Financial specialize in tailoring strategies to physicians’ needs. ## Take Control of Your Financial Future The path to financial success for doctors involves balancing multiple priorities: paying down student loans, managing cash flow, building an investment portfolio, and planning for retirement. Having a clear roadmap can help reduce stress and improve your long-term financial well-being. At 25 Financial, our team of wealth advisors specializes in helping medical professionals create personalized, comprehensive financial planning strategies. Whether you are just starting your career, managing a growing practice, or planning for retirement, we can guide you through every step of your financial journey. **Ready to create your plan?** [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other, PHYSICIANS --- ### [How to Invest in Oil and Gas](https://25financial.com/how-to-invest-in-oil-and-gas/) **Published:** October 15, 2025 **Author:** Pavin White **Content:** [ Why Invest in Oil and Gas? ](#Whyinvest) [ Common Oil and Gas Investment Strategies ](#Commonoil) [ Factors to Consider Before Investing ](#Factors) [ FAQs ](#FAQs) The oil and gas sector has long attracted investors looking for strong cash flow, unique tax benefits, and opportunities to diversify beyond the stock market. For high-income professionals—especially those in medicine, law, or business—this asset class can offer a compelling alternative to traditional investments like mutual funds or real estate. But oil and gas investments also come with complexity, volatility, and risk, making education and due diligence essential. In this guide, we’ll walk through the fundamentals of oil and gas investing, key strategies to consider, the pros and cons, and what to evaluate before taking the next step. ## Why Invest in Oil and Gas? Oil and gas investments can be attractive for several reasons: **Diversification**: The energy sector tends to move independently of traditional markets like real estate or tech stocks. Investing in oil producers, gas exploration companies, or pipelines can help balance an equity-heavy portfolio. **Cash Flow Potential**: Certain oil and gas opportunities—such as direct participation programs—may offer recurring cash flow, especially when linked to producing oil wells or gas wells. **Tax Benefits**: Investors may qualify for significant tax advantages, including deductions for intangible drilling costs, depletion allowances, and favorable treatment on capital gains. **Tangible Exposure to Energy**: While renewable energy is growing, global oil demand continues to play a dominant role. Exposure to oil companies and gas production offers a hedge on energy consumption and inflation. ## Common Oil and Gas Investment Strategies There are many ways to get involved in the energy sector, each with different levels of risk, return, and involvement. Here are the most common approaches: ### 1. Publicly Traded Stocks and ETFs You can invest in oil and gas companies through the stock market, just like any other industry. Examples include: - **Oil and Gas ETFs**: Exchange-traded funds that track the broader energy sector or subsets like pipelines (midstream) or refineries. - **Mutual Funds**: Actively managed options for energy sector exposure. - **Individual Stocks**: Shares in companies like ExxonMobil or Chevron. These are typically the most liquid, accessible, and lower-risk entry points for new investors. ### 2. Oil and Gas Futures Contracts More advanced investors may participate in the commodities market directly by trading oil futures. These contracts allow investors to speculate on the price of crude oil or natural gas at a future date. Futures can be highly volatile and are often used by traders with a short-term horizon. ### 3. Direct Participation Programs (DPPs) A DPP allows investors to own a working interest in one or more oil wells. This often involves: - **Direct ownership of drilling or production operations** - **Cash flow from production (if successful)** - **Significant tax deductions from drilling costs** DPPs can be high risk but offer some of the most powerful tax advantages. ### 4. Mineral Rights and Royalties This approach involves owning the rights to land with producing oil or gas wells. Investors receive royalty payments from energy companies operating on their land but don’t bear the operational risk of drilling. ### 5. Private Partnerships and Crowdfunding High-income and accredited investors may also gain exposure through private syndications or crowdfunding platforms offering equity in oilfield development, midstream infrastructure, or commercial properties linked to the energy sector. ## Factors to Consider Before Investing Investing in oil and gas is not one-size-fits-all. Be sure to evaluate: **Risk Tolerance**: Oil prices and gas prices can swing dramatically based on global events, economic data, and supply-demand shifts. **Liquidity Needs**: Direct participation or private offerings may require multi-year commitments with limited exit options. **Tax Planning**: Make sure your financial planner understands the tax benefits and reporting obligations, especially if you’re deducting intangible drilling costs or leveraging 1031 exchanges from other asset classes. **Minimum Investment Requirements**: Some syndications or private opportunities require substantial upfront capital and accredited investor status. **Due Diligence**: Always understand the management team, projected returns, price of oil assumptions, and how cash flow will be distributed. Thorough analysis is crucial. At 25 Financial, we’ve helped clients evaluate investment opportunities across various asset classes, including select energy-sector offerings that align with their goals, timelines, and risk profiles. ## FAQ on Oil and Gas Investing What are intangible drilling costs? Intangible drilling costs (IDCs) are expenses related to drilling that have no salvage value, such as labor, chemicals, and mud. They are typically 60-80% of the total well cost and can be deducted against ordinary income in the year incurred, offering major tax benefits. How risky is oil and gas investing? Risk depends on the method. Public ETFs and mutual funds tend to be lower risk and more diversified. Direct ownership or working interest in a well carries high risk, including the potential for total capital loss. That’s why it’s critical to align oil and gas exposure with your overall investment objectives and tolerance. Do I need to be accredited to invest in oil and gas? Some opportunities, especially private placements or DPPs, require accredited investor status. This typically means having a net worth over $1 million (excluding primary residence) or an annual income above $200,000 ($300,000 for couples). Can I use oil and gas to generate passive income? Yes. Some investments, such as royalties or producing wells, can generate recurring rental income-style distributions. However, returns are never guaranteed and depend on oil production levels, price fluctuations, and operator performance. Are there ESG or renewable alternatives in the energy space? Yes. While traditional oil and gas dominate the sector, renewable energy projects and ESG-focused energy ETFs are growing in popularity. Many investors now consider balancing both fossil fuel and renewable energy exposure within their portfolios. How are oil prices determined? Oil prices are influenced by global supply and demand, geopolitical tensions, production quotas (like OPEC decisions), and currency strength. They can fluctuate rapidly, impacting the performance of oil investments. How do taxes work for oil investments? Oil and gas investors may benefit from deductions on IDCs, depreciation, depletion allowances, and even exemptions from self-employment tax in certain structures. Always consult a tax advisor or financial advisor before making assumptions about your situation. What is a working interest in an oil well? A working interest means you own a portion of the operation and are responsible for a share of costs and profits. It offers the potential for high returns but also exposes you to direct financial risk. This is not considered a passive investment. ## Contact 25 Financial The oil and gas industry can offer high returns, powerful tax advantages, and strategic diversification. But it’s not for everyone. Successful investing in energy requires patience, a solid understanding of market cycles, and guidance tailored to your financial situation. If you’re a high-income professional looking to explore alternative investment strategies—including oil and gas—25 Financial can help. Our fiduciary wealth advisors offer personalized, tax-efficient financial planning that aligns with your goals and appetite for risk. #### Are there ESG or renewable alternatives in the energy space? Let’s talk about how oil and gas—and other asset classes—fit into your overall strategy. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Alternatives, Other, TOP --- ### [Why Gambling in the Market Hurts](https://25financial.com/why-gambling-in-the-market-hurts/) **Published:** November 6, 2025 **Author:** Pavin White **Content:** [ Global Diversification Matters​ ](#DiversificationMatters) [ The Dangers of Timing and Picking Stocks ](#TheDangers) [ What this means for you ](#Whatthismeans) [ Conclusion ](#Conclusion) When we speak with busy professionals and business owners, one message keeps coming through: success in investing isn’t about clever tweaks or chasing the next headline—it’s about embracing the full opportunity set and staying the course. ##### At 25 Financial, we regularly remind clients of *two critical truths*: ###### 1. Holding both U.S. and international stocks gives you access to more of the world’s growth, and over the past decade our clients who bought international when it was out of favor are now being rewarded. ###### 2. Being in the market matters. Jumping out, trying to pick the next winner, or switching strategies based on fear or stimulus often costs you far more than you gain. ## Global Diversification Matters Think about the world outside the U.S. for a moment. A large portion of global equity value resides abroad—if you remain U.S.-only, you’re leaving half of the performers on the bench. More importantly, the performance of U.S. versus international stocks doesn’t follow a straight line. Some years U.S. leads, some years international leads. Over a full investment lifetime you want both. **Don’t forget the “lost decade”:** From roughly 2000–2009, U.S. stocks were essentially flat—the S&P 500 delivered around **0% total return** for the decade. Over that same period, international developed markets (MSCI EAFE Index) gained roughly **+17% cumulatively**, while emerging markets rose more than **+150%**. Investors who held global exposure through that stretch saw dramatically better results. The key takeaway: staying globally diversified isn’t just theoretical—it plays out in real dollars. ![](https://25financial.com/wp-content/uploads/2025/11/US-vs-Intl-performance-1971-2024.png "US vs Intl performance 1971-2024 - 25 Financial - 25 Financial") ## The Dangers of Timing and Picking Stocks Now let’s consider the other side: trying to time the market or picking the few winning stocks. Both are risky. #### Stock-timing risk: Studies show that missing just a handful of the best market days seriously drags performance. Take a $100,000 portfolio invested in U.S. equities over 30 years at an annualized 10% return: this would have grown to **$2,242,804**. But if the investor missed even 10 of the best days, their cumulative total return drops by ***54%*** and the ending value would have been **$1,027,510**, reducing earnings by over ***$1 million***. ![](https://25financial.com/wp-content/uploads/2025/11/100k-1024x576.jpg "100k - 25 Financial - 25 Financial") #### Stock-picking risk: Research shows that in the U.S. since 1926–2022, just about **3.4%** of companies accounted for *all net wealth creation*. Imagine: you’d need to pick winners in a tiny subset of firms and hold them over decades to match market-level wealth creation. That’s a very high bar. ![](https://25financial.com/wp-content/uploads/2025/11/US-stock-market-wealth-since-1926.jpg "US stock market wealth since 1926 - 25 Financial - 25 Financial") ## What this means for you If you’ve underweighted your international allocation because “U.S. has been king,” consider whether your portfolio is positioned for the next cycle. If you’re tempted to move to cash when markets wobble, remember you might simultaneously abandon the rebound days. If you’re picking individual stocks and hoping to catch the next winner, consider the odds that only ~3% of companies produce nearly all net wealth. By staying invested globally, and resisting timing moves, you’re tilting the odds in your favor. ![](https://25financial.com/wp-content/uploads/2025/11/m-ZzOa5G8hSPI-unsplash-1024x683.jpg "m-ZzOa5G8hSPI-unsplash - 25 Financial - 25 Financial") ## Conclusion You don’t need to be perfect. What you *do* need is global reach, staying the course, and avoiding the traps. At 25 Financial we’ve seen clients benefit from having held international exposure and remained invested—and we’ve seen how timing or picking bets can erode wealth. The market rewards those who stay in the game and stay diversified. If you’d like to review your international sizing, compare your U.S./international split, or stress-test your “what-if I move to cash” scenario—let’s talk. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. Sources: https://www.centerfinplan.com/money-centered/2022/6/7/part-2-are-international-equities-dead ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** NEW, Other --- ### [Tax-Efficient Portfolio Management: Keeping More of What You Earn](https://25financial.com/tax-efficient-portfolio-management/) **Published:** November 20, 2025 **Author:** Pavin White **Content:** # Tax-Efficient Portfolio Management: Keeping More of What You Earn Good investing is not only about what you make—it’s about what you keep. Tax-efficient management seeks to improve after-tax returns through smart allocation, disciplined rebalancing, and strategic use of tax-advantaged accounts. ## Evidence Behind The Approach Research from Morningstar estimates that tax-efficient portfolio design can add **up to 1.1% in after-tax returns [\[1\]](#_ftn1)** annually. Studies on investor behavior also show that unmanaged capital gains distributions can cost investors **30–50 basis points per year [\[2\]](#_ftn2)** in avoidable taxes. ## Our Framework We use asset location (placing high-income assets in tax-advantaged accounts), tax-loss harvesting, low-turnover fund selection, and structured rebalancing to reduce unnecessary tax drag. We also coordinate with your CPA on timing for option exercises, RSU vesting, and business distributions. ## Tax Buckets ![](https://25financial.com/wp-content/uploads/2025/11/Tax-Buckets-1024x415.png "Tax Buckets - 25 Financial - 25 Financial") ## Taxes Matter ![](https://25financial.com/wp-content/uploads/2025/11/Taxes-Matter.png "Taxes Matter - 25 Financial - 25 Financial") ## Tax Structure Matters ![](https://25financial.com/wp-content/uploads/2025/11/Tax-Structure-Matters-1024x542.png "Tax Structure Matters - 25 Financial - 25 Financial") ## Example One client sought to optimize her portfolio across taxable and retirement accounts. Instead of mirroring the same allocation everywhere, we deliberately located her high-growth equities in her Roth IRA and income-generating bonds in her Traditional 401(k). The result: her largest potential gains are shielded from taxes forever, while the bond interest is kept out of her high ordinary-income tax bracket today. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) [\[1\]](#_ftnref1) **Morningstar, “Tax-Efficient Investing: Strategies and Evidence” (2020).** Estimates that strategic asset location, loss harvesting, and low-turnover fund selection can add *0.50%–1.10% in after-tax return* annually. [\[2\]](#_ftnref2) **Capital Group, “Understanding Capital Gains Distributions” (2021).** **Morningstar, “Mind the Gap” datasets (multiple years).** Show that unmanaged or unnecessary realized gains cost investors *30–50 basis points per year* in avoidable tax impact. ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Home Page, Other, Tax Information **Tags:** Tax-Efficient Portfolio Management: Keeping More of What You Earn --- ### [Due Diligence Framework for Private Equity & Real Estate Syndications](https://25financial.com/due-diligence-framework/) **Published:** November 20, 2025 **Author:** Pavin White **Content:** # Due Diligence Framework for Private Equity & Real Estate Syndications This framework is designed to help investors look past the glossy marketing brochures and understand the nuts and bolts of a deal. In private investments, you typically cannot sell your shares easily; you are married to the deal for 3–7 years. Therefore, the goal of this framework is not just to find high returns, but to **protect your principal.** 1. Sponsor Review *Concept:* In private markets, the quality of the operator (the Sponsor/General Partner) is often more important than the asset itself. A bad sponsor can ruin a great building; a great sponsor can salvage a mediocre business plan. **Track Record & Experience** - How many deals has the sponsor completed, and what were the outcomes? - Have they operated successfully across different market cycles—not just bull markets? - Are past investors willing to reinvest **Team & Capabilities** - Who is actually making decisions day-to-day? - Do they have in-house capabilities (asset management, acquisitions, capital markets) or do they outsource everything? - Is the team stable, or is there frequent turnover? **Alignment & Transparency** - How much of their own money are they investing alongside us? - Are their incentives clearly aligned with investor outcomes? - Do they provide clear reporting and forthright updates, both good and bad? **Operational Discipline** - Do they have repeatable processes, risk controls, and real infrastructure—or is it a “hero model”? - Are they realistic in their underwriting or consistently optimistic? 2. The Fee Stack: What Are We Paying For—and Is It Reasonable? *Concept:* Fees are necessary to keep the lights on, but excessive fees create a drag on returns. You need to know if the Sponsor gets rich *with* you or *off* of you. **Upfront Fees** - Acquisition fees, due diligence fees, financing fees. - Are these fees market-standard, or unusually high? **Ongoing Fees** - Asset management fees, property management fees, fund administration fees. Standard: 1% to 2% of revenue or invested equity. - Do they scale reasonably as the portfolio grows? **Back-End Fees & Promote** - Carried interest, performance incentives, refinance fees, disposition fees. - Is the promote structure fair and tied to true outperformance, not mediocre returns? - Standard Structure: Investors get 100% of returns up to a certain point (the “Preferred Return,” usually 6–8%). After that, profits might be split 70/30 or 80/20 (Investors/Sponsor). **Total Cost Burden** - When you add up all fees, how much of the gross return goes to the sponsor vs. investors? - Would the deal still make sense with average—not perfect—execution? 3. Stress Tests (What Could Go Wrong?) *Concept:* The brochure shows the “Base Case” (what they think will happen). You need to look at the “Downside Case” (what happens if the economy tanks). **Downside Scenarios** - What if rent growth or revenue growth is flat? - What if occupancy dips? - What if expenses rise 10–20%? - What if interest rates stay high or increase further? **Valuation Sensitivity** - What happens to investor returns if the exit cap rate is 100 bps higher than projected? - How much of the business case depends on selling at the “perfect” price? **Liquidity & Cash Flow Sensitivity** - Does the deal survive low-cash-flow periods without requiring emergency capital? **Macro Shocks** - If the economy slows down, is there room to absorb the hit? **Exit Assumptions** - Sponsors predict what they will sell the asset for in 5 years. - *The Test:* If they have to sell for *less* than they bought it for, do you lose all your money, or just your profit? - *Cap Rate Check:* Ensure they assume the market will be *worse* when they sell than it is today (this is conservative). If they assume the market will get better, they are gambling. 4. Liquidity Planning (Getting Out) *Concept:* Private syndications are “illiquid.” You cannot click a button and sell your shares like a stock. **Liquidity Profile** - Is this a closed-end fund, open-end fund, or single-asset deal? - Are there any redemption options or secondary markets? **Distribution Expectations** - Is cash yield realistic? Has the sponsor historically hit their distribution projections? - Are distributions dependent on refinancing? **Exit Pathways** - What are the primary exit strategies (sale, refinance, roll-up)? - Is there more than one credible path? **Lockups & Gating** - What are the restrictions on redemptions or liquidity events? - What triggers a pause in liquidity (gates)? 5. Capital-Call Pacing (The Checkbook) *Concept:* Depending on the structure, you might not send all the money on Day 1. **Fund vs. Single Asset** - *Single Asset:* You usually wire 100% of your investment upfront. - *Fund:* You commit an amount (e.g., $100k), but they only “call” (ask for) the money when they find a deal. **Funding Schedule** - Are capital calls front-loaded or paced over time? - What portion of total commitment is typically drawn in the first 12–24 months? **Sponsor Behavior** - Do they over-call early and sit on cash? - Do they under-call and then scramble during tight periods? **Cash Drag vs. Deployment Risk** - Is the fund likely to deploy quickly? - Are we prepared for slower pacing in challenging markets? **Investor Considerations** - Do we have adequate liquidity to meet calls without forcing sales elsewhere? - What notice period is provided? 6. Monitoring Cadence (Watching the Store) *Concept:* Once you wire the money, the communication style changes. You need to know what to expect. **Reporting Quality** - Quarterly reports should include performance metrics, cap-ex updates, leasing/operational updates, financials, and clear “what’s going well vs not.” **Communication Cadence** - Quarterly reporting minimum; monthly or event-driven updates preferred in volatile markets. - Is there a dedicated investor relations contact? **Performance Tracking** - Monitor distribution trends, occupancy, budget-vs-actual, leverage ratios, DSCR, and project timelines. - Compare results to the sponsor’s original underwriting. **Governance & Transparency** - Are material changes disclosed promptly? - Are we able to ask questions and get real answers? 7. Decision Framework Summary: The “Go / No-Go” Test A deal is strong if: - The sponsor is proven, aligned, and transparent. - The fee load is competitive and justified. - Stress tests show durability in normal and adverse markets. - Liquidity risk is understood and acceptable. - Capital-call pacing matches our planning. - Monitoring expectations are clear. If more than one of these pillars raises concerns, the default answer should be **pass**. ## Summary Scorecard CategoryGreen Flag (Good)Red Flag (Warning) SponsorHas sold assets; invests own money.First-time sponsor; 0% co-investment.FeesAcquisition < 2%; Clear hurdle rate.Acquisition > 4%; No hurdle rate.Stress TestCan survive 75% occupancy.Needs 95% occupancy just to pay debt.DebtFixed rate or strict rate cap.Floating rate with no cap.CommunicationQuarterly reports; K-1s early in the next year."We'll update you when there's news." [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Alternatives, Other **Tags:** Due Diligence Framework for Private Equity & Real Estate Syndications --- ### [Holistic Coordination: Aligning All Parts of Your Financial Life](https://25financial.com/holistic-coordination/) **Published:** November 20, 2025 **Author:** Pavin White **Content:** # Holistic Coordination: Aligning All Parts of Your Financial Life High earners and business owners often experience financial complexity not because any single piece is difficult—but because the pieces aren’t coordinated. Holistic management ensures that investments, taxes, workplace benefits, business equity, insurance, and estate planning work together rather than against each other. ## Why coordination matters For affluent families, tax inefficiencies alone can erode **1–2% of annual returns [\[1\]](#_ftn1)**, according to Morningstar and academic studies on investor behavior. Coordinated planning also reduces risk: research from Cerulli shows that households with integrated financial planning are **32% more likely [\[2\]](#_ftn2)** to meet long-term goals. ## What holistic coordination looks like We serve as your financial quarterback—tracking deadlines, synchronizing with your CPA and attorney, and making sure each decision supports the bigger picture. This includes entity selection, compensation structure, benefit elections, debt planning, and wealth-transfer goals. ## Tax Buckets ![](https://25financial.com/wp-content/uploads/2025/11/Tax-Buckets-1024x415.png "Tax Buckets - 25 Financial - 25 Financial") ## Taxes Matter ![](https://25financial.com/wp-content/uploads/2025/11/Taxes-Matter.png "Taxes Matter - 25 Financial - 25 Financial") ## Tax Structure Matters ![](https://25financial.com/wp-content/uploads/2025/11/Tax-Structure-Matters-1024x542.png "Tax Structure Matters - 25 Financial - 25 Financial") ## Example When reviewing a medical group’s new buy-in structure, we coordinated between the client’s CPA, the plan documents, and her long-term retirement plan. By aligning contributions, loan structure, and deferral strategies, we reduced her projected tax bill by several thousand dollars annually—without changing her total savings rate. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) [\[1\]](#_ftnref1) **Morningstar, “Mind the Gap 2023.”** Demonstrates that poor tax management and investor behavior create *1–2 percentage points of annual drag* in real-world portfolios. [\[2\]](#_ftnref2) **Cerulli Associates, “U.S. High-Net-Worth and Ultra-High-Net-Worth Markets 2022.”** Reports that HNW families with integrated planning have significantly higher goal completion and “plan adherence” metrics—32% higher than non-coordinated households. ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared, Other **Tags:** Holistic Coordination: Aligning All Parts of Your Financial Life --- ### [Fiduciary Duty: Putting Your Interests First](https://25financial.com/fiduciary-duty/) **Published:** November 20, 2025 **Author:** Pavin White **Content:** # Fiduciary Duty: Putting Your Interests First At 25 Financial, fiduciary duty is more than a legal standard—it’s the operating system for how we give advice. A fiduciary is obligated to put your interests ahead of their own, avoid conflicts whenever possible, and fully disclose the ones that remain. For busy professionals, this structure matters because it removes guesswork around whether recommendations are driven by incentives or by your actual long-term goals. ## Why it matters A growing body of research shows that fiduciary guidance meaningfully improves investor outcomes. Vanguard’s Advisor Alpha framework finds that a disciplined, fiduciary-aligned advisory process can add about **3% in net returns per year [\[1\]](#_ftn1)**, largely through behavioral coaching and cost-efficient decisions. Independent studies also show that investors working with fiduciaries exhibit **lower portfolio turnover [\[2\]](#_ftn2)**, reducing taxes and trading costs. ## How we implement fiduciary duty Our process emphasizes clarity and alignment. Compensation is transparent. Recommendations are benchmarked to objective alternatives. Every portfolio decision—asset allocation, rebalancing, tax strategy—is documented against the client’s stated objectives. This consistency reduces risk, increases accountability, and reinforces trust. ## Example A physician client preparing for partnership was evaluating a new investment opportunity offered by her employer group. Instead of simply assessing projected returns, we first compared the opportunity against her liquidity needs, tax bracket, concentration risk, and retirement timeline. Because our fiduciary obligation prioritizes her plan—not the product—we ultimately recommended she limit her investment to maintain flexibility during her upcoming practice transition. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) [\[1\]](#_ftnref1) **Vanguard, “Putting a value on your value: Quantifying Advisor’s Alpha.”** (Latest update 2019). Vanguard estimates advisor value at *approximately 3% per year*, largely from behavioral coaching, cost selection, rebalancing, and tax-efficient strategy. [\[2\]](#_ftnref2) **Fiduciary-aligned advisors show lower turnover. Chen, Y., & Qin, N. (2018).** **“Fiduciary Duty and Mutual Fund Performance.” Journal of Banking & Finance.** Finds that fiduciary frameworks reduce “excessive turnover” and improve after-tax performance. ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** BASICS, Other **Tags:** Fiduciary Duty: Putting Your Interests First --- ### [Big Box vs Boutique Shop: What Investors Need to Know](https://25financial.com/big-box-vs-boutique-shop/) **Published:** November 20, 2025 **Author:** Pavin White **Content:** # Big Box vs Boutique Shop: What Investors Need to Know When it comes to choosing a financial advisor, the options can feel endless. Between traditional full-service firms, investment giants, and DIY apps with robo-advisors, it’s tough to know who truly puts your financial goals first. Each firm offers different services, fee structures, and investment strategies—so how do you know which is right for you? In this post, we’ll explore how Big Box advisory firms compare to Boutique Shops in terms of financial planning, investment management, access to alternative investments, and overall value, especially for high-net-worth individuals seeking sophisticated wealth management. ## The Access Barrier: Alternative Investments One of the more significant—but often overlooked—differences between large investment firms and independent advisory firms is access to alternative investments. Big Box firms typically offer a curated menu of pre-approved investment products such as mutual funds, ETFs, and annuities. While these options may be suitable for many investors, they often limit exposure to non-traditional assets like private equity, real estate syndications, or hedge funds—tools that can provide diversification, income, or downside protection. What’s more, most Big Box firms currently requires a $10 million minimum to access most alternative investment options. This can create a significant access barrier for many high-net-worth investors who are looking to diversify their portfolio but don’t meet that threshold. By contrast, some independent advisory firms—including 25 Financial—may provide access to similar opportunities at a lower minimum, often around $1 million in assets under management. These firms can evaluate alternative investments using internal due diligence processes and present them when appropriate as part of a broader investment strategy. For investors seeking broader diversification and more flexible investment structures, understanding these access barriers is an important part of comparing financial services providers. ## Competitor Breakdown Let’s look at how 25 Financial compares to some of its biggest competitors in wealth management and investment services. 25 FinancialThe "Big Box" BrokerageThe "1% AUM" AssemblerThe "Robo" Advisor / DIY The ModelFiduciary Model. We are a Registered Investment Advisor (RIA). Our only job is to advise you. We sit on your side of the table.Distribution Model. Their primary job is to distribute financial products (mutual funds, annuities, loans) from their parent company or partners.Asset Gathering. Their primary goal is to accumulate Assets Under Management (AUM). They often put everyone in the same 60/40 portfolio.Algorithmic. Low-cost, automated rebalancing. Great for small, simple accounts.ConflictsZero Conflict. We are held to a "Fiduciary Standard." We are legally required to act in your best interest. We accept no commissions from third parties.High Conflict. They are held to a "Suitability Standard," meaning they can sell you a product that pays them a higher commission as long as it is "suitable" for you.Fee Drag. If they charge 1% on everything, they are incentivized to tell you not to pay off debt or buy real estate, because that reduces their fee base.Low Conflict. Generally clean, but they often force you into their proprietary ETFs or keep large portions of your account in cash to make money.Client FitSpecialized. Built for Physicians, Residents, and Business Owners. We understand student loan forgiveness, practice buy-ins, and complex tax situations.Mass market. Good for simple needs, but often lacks depth for business owners or physicians with complex liabilities."The Millionaire Next Door." Retirees with simple liquid wealth.The "Accumulator." Early-stage investors with simple W-2 income and no debt issues.Typical FeesValue-Based. Higher than a robot, but the ROI on a single tax strategy or debt decision often covers our fee for the decade.Opaque. Often hidden in "expense ratios," "loads," or "trails." You may pay 1%–2% annually without ever seeing a bill.High Drag. Typically 1.00% to 1.25% of assets, often regardless of portfolio size or complexity.Low (0.25% - 0.40%). You pay for automation, not advice.AlternativesCore Competency. We believe true diversification requires assets that don't move in lockstep with the S&P 500.Limited. Usually restricted to proprietary products or liquid alts that are highly correlated to the stock market. Higher barriers to entry.Rare. Most standard RIAs stick to stocks/bonds (ETFs) because they are easy to trade and bill on.None. You are 100% exposed to public market volatility.Planning DepthDeep. We review contracts, insurance policies, estate docs, and tax returns. We are your personal CFO.Surface Level. often just a "Retirement Calculator" used to justify selling a product.Investment Focused. "Asset Allocation" is their main service. Tax and Estate planning are often outsourced or ignored.Non-Existent. You might get a "goal tracker," but you won't get a human reviewing your malpractice insurance or estate documents. ## Fee Structures and Fiduciary Standards Matter Another major point of comparison is how firms make money and whether they act in your best interest. Most Big Box firms operate under a fee-based model, which means their financial advisors can earn commissions from selling certain products. That creates the potential for conflicts of interest. By contrast, fiduciary advisors like 25 Financial are legally required to put your interests first. Understanding fee structures, including expense ratios, advisory fees, and sales charges, is essential. Many investors are unaware of how much they’re paying for investment advice, which can quietly erode returns over time. ### Why More Investors Are Choosing 25 Financial At 25 Financial, we take a different approach. We’re an independent, fiduciary firm committed to delivering clear, conflict-free financial advice. Our team of experienced financial planners provides truly personalized service, offering everything from retirement planning and tax strategies to investment management and estate planning. We believe in giving clients access, not just to stocks and bonds, but to a full range of alternative investments that aren’t typically available through firms like Big Box firms. Whether you’re based in New York, St. Louis, or elsewhere in the United States, our personalized, transparent model is built around helping you grow wealth strategically. Our promise? No cookie-cutter portfolios. No hidden fees. No big-bank bias. ## Ready to Talk About Your Financial Future? If you’ve ever wondered whether you’re getting the right advice—or paying too much for too little—now is the time to explore your options. At 25 Financial, we help clients across the country pursue their goals with clarity, confidence, and smart strategy. Let’s make the most of your 24 hours—actually, let’s make it 25. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** Big Box vs Boutique Shop: What Investors Need to Know --- ### [401k Contribution Limits and Retirement Planning](https://25financial.com/401k-contribution-limits/) **Published:** November 20, 2025 **Author:** Pavin White **Content:** # 401k Contribution Limits and Retirement Planning Planning for retirement is a crucial step in securing your financial future. Understanding 401k contribution limits is key to maximizing your savings. These limits can change annually, impacting how much you can contribute. In 2025, the contribution limit is $23,500, with an increase scheduled for 2026. Staying informed about these changes helps you make the most of your retirement plan. This guide will explore current and future 401k limits and offer strategies for effective retirement planning. Whether you’re an employee, financial advisor, or just starting your retirement journey, this information is vital. ## Understanding 401k Plans and Their Importance A 401k plan is a popular retirement savings option offered by many employers. It allows employees to save a portion of their paycheck before taxes are taken out. These pre-tax contributions reduce your taxable income, providing immediate tax benefits. There are two main types of 401k plans: traditional and Roth. Traditional contributions are made pre-tax, while Roth contributions are made after tax. This difference affects how withdrawals are taxed during retirement. The importance of a 401k plan lies in its potential for long-term growth. Many employers offer matching contributions, boosting your savings. Here’s why a 401k is crucial: - Tax advantages through pre-tax contributions. - Employer matching for increased savings. - Compound growth over time. Understanding these basics helps you make informed decisions about your retirement planning. Such knowledge can significantly impact your financial security in the future. ## 401k Contribution Limits: The Basics Each year, the IRS sets limits on how much you can contribute to your 401k. These limits are important to understand for effective retirement planning. Staying within these limits ensures compliance and maximizes tax benefits. In 2025, the contribution limit is set at $23,500 for individuals under 50. This amount doesn’t include employer contributions. Knowing this helps you plan your contributions wisely within set boundaries. As the economy fluctuates, the IRS adjusts these limits annually. They consider factors like inflation to ensure fair savings opportunities for everyone. Keeping an eye on these changes is essential. Here’s a quick recap of key points: - Limits are set annually by the IRS. - Individual contribution limit for 2025 is $23,500. - The contribution limit is scheduled to increase in 2026 to $24,500. Understanding these basics allows you to optimize your 401k contributions. Aligning your savings strategy with these limits is crucial for retirement success. ## 401k Contribution Limits for 2025 and 2026 The 401k contribution limits are a crucial component of retirement planning. For 2025, individuals under 50 can contribute up to $23,500. Those contributions directly impact the savings size and tax situation of individuals planning for retirement. Looking ahead, the contribution limits for 2026 are scheduled to rise. Following these updates will help you optimize your savings over time. Here’s what to anticipate regarding contribution limits: - 2023: $22,500 for those under 50 - 2024: $23,000 for those under 50 - 2025: $23,500 for those under 50 - 2026: $24,500 for those under 50 Keeping track of these limits empowers proactive planning. Adjusting contributions accordingly can have significant financial benefits. Setting up automatic increases can also help maintain pace with inflation without the need for constant adjustments. Remaining informed about IRS announcements will ensure compliance and maximize your benefits. Aligning your strategy with updated limits ensures you capitalize on new opportunities and contribute efficiently. ### Catch-Up Contributions for Those 50 and Over Individuals aged 50 and over have a unique advantage. They can make additional catch-up contributions beyond the standard limit. In 2025, this extra amount is set at $7,500. Catch-up contributions are a valuable tool for those closer to retirement. They allow for boosting retirement savings substantially. This is especially beneficial for those who may have started saving later in life. Key catch-up contribution points include: - Available to individuals aged 50 and over - Additional $7,500 contribution in 2025 Understanding and utilizing these catch-up contributions can significantly enhance retirement readiness. It’s an excellent way to make the most of remaining working years and secure a comfortable retirement. ## Employer Contributions and Total Contribution Limits Employer contributions can significantly enhance your 401k savings. These contributions do not affect your personal limit but do count towards the overall cap. Understanding how these work is crucial for effective planning. In 2025, the total contribution limit, including both employee and employer contributions, is $70,000. This limit provides substantial space for growing your retirement fund with employer assistance. Capitalizing on employer matches can significantly benefit your retirement savings. Important aspects of total contribution limits include: - Employee contributions capped at $23,500 in 2025 - Employer contributions can fill the gap up to a $70,000 total - Employer matches do not count towards individual limits Maximizing both personal and employer contributions ensures you get the most from these benefits. Fully utilizing the combined limits boosts retirement security through enhanced savings growth. ## Traditional vs. Roth 401k Contributions Choosing between traditional and Roth 401k options depends on your financial strategy. The primary difference lies in their tax treatment. Understanding this can have long-term tax implications. Traditional 401k contributions are made pre-tax, reducing taxable income now. This provides an immediate tax break, which can be beneficial for high earners. However, withdrawals in retirement will be taxed as regular income. In contrast, Roth 401k contributions are made with after-tax dollars. Although there’s no immediate tax benefit, qualified withdrawals in retirement are tax-free. Key distinctions include: - Traditional 401k: Pre-tax contributions, taxed withdrawals - Roth 401k: After-tax contributions, tax-free withdrawals - Tax impact varies based on future income and rates Selecting the right type depends on your tax bracket now and projected for retirement. A financial advisor can provide personalized guidance. ## Tax Benefits and Saver’s Credit 401k plans offer notable tax benefits. Contributions to a traditional 401k lower your taxable income for the year. This can result in significant tax savings. Additionally, the Saver’s Credit is available for low to moderate-income earners. This credit incentivizes contributions to retirement accounts, reducing tax owed. The credit provides an extra boost in: - Encouraging savings - Offering a tax credit of up to $2,000 for individuals - Enhancing overall tax efficiency This credit helps make retirement savings more accessible. Always verify eligibility, as income limits apply. ## Strategies to Maximize Your 401k Contributions Maximizing your 401k contributions can significantly boost retirement savings. To start, aim to contribute at least enough to receive any employer match. This match is essentially free money, adding immediate value to your savings. Consider automatic contribution increases, especially when you receive a raise or bonus. Gradually increasing contributions can help you reach annual limits without noticing a big change in take-home pay. Over time, these increases can lead to substantial growth. Another effective strategy involves carefully choosing investment options within your 401k. Align your investments with your risk tolerance and long-term goals. A well-diversified portfolio can enhance potential returns and reduce risk. Here are some quick tips to maximize contributions: - Contribute early in the year - Use bonuses to bolster your 401k - Regularly review your plan - Seek professional financial advice By adopting these strategies, you can optimize contributions and build a strong foundation for retirement. ## Reviewing and Adjusting Your 401k Plan Annually Annually reviewing your 401k plan is crucial for staying aligned with financial goals. Changing contribution limits and personal circumstances often require adjustments. This annual check-up ensures you are on track to meet your retirement objectives. During your review, consider the following actions: - Check current contribution limits - Assess investment performance - Update personal information and beneficiaries Adjusting your plan annually helps adapt to life changes and maximizes the benefits of your 401k savings plan. ## Common Mistakes and How to Avoid Them Managing a 401k effectively involves avoiding common pitfalls that can impact your savings. One mistake is not contributing enough to take full advantage of employer matches. This results in lost free money. Another common error is neglecting to diversify investments, which increases risk. It’s important to spread investments across different asset types. To steer clear of these mistakes, consider these strategies: - Contribute enough to receive the full employer match - Regularly review and adjust your investment mix - Stay informed about any fee increases ## 401k Contribution Limits and Retirement Planning: Key Takeaways Understanding 401k contribution limits is essential for maximizing retirement savings. Regularly reviewing your plan can help align your savings with changing financial goals. Adapting to new contribution limits ensures you’re taking full advantage of potential tax benefits. Here are key points to remember: - Keep track of annual IRS updates to contribution limits - Maximize contributions early for compound growth - Use catch-up contributions if you’re 50 or older These strategies can help secure a comfortable retirement and avoid common savings pitfalls. ## Frequently Asked Questions About 401k Contribution Limits Many individuals have questions about 401k contribution limits. Understanding these limits can help you maximize your retirement savings. Here are answers to common inquiries: - **How often do 401k contribution limits change?** Limits are adjusted annually by the IRS. - **Do employer contributions affect individual limits?** No, they don’t count towards your individual limit. - **Can I contribute to both a traditional and Roth 401k?** Yes, but your combined contributions must not exceed the annual limit. These points help clarify some common misconceptions about 401k plans. ## Conclusion: Planning for a Secure Retirement Strategic planning ensures a comfortable retirement. Understanding and leveraging 401k contribution limits is a critical step. It’s about making your savings work harder for you. Stay informed about changes in contribution limits. Regular adjustments can significantly impact your retirement nest egg. This proactive approach will aid in reaching your financial goals. Consult financial advisors to optimize your plan. With their guidance, tailor your 401k contributions to suit your needs. A well-thought-out plan secures financial peace in your golden years. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** BASICS, Other **Tags:** Maximize 401k Contribution Limits for 2025 --- ### [Benefits of Physician Loan Programs Explained](https://25financial.com/benefits-of-physician-loan-programs-explained/) **Published:** November 25, 2025 **Author:** Pavin White **Content:** # Benefits of Physician Loan Programs Explained Navigating the financial landscape as a healthcare professional can be daunting. Physician loan programs offer a tailored solution. These specialized loans cater to the unique needs of doctors, dentists, and other medical professionals. With benefits like low down payments and no private mortgage insurance, they make homeownership more accessible. Understanding physician loan mortgage rates is crucial for making informed financial decisions. These programs recognize the high earning potential of medical professionals, offering flexible terms. They can be a strategic tool for managing debt and planning for the future. In this article, we explore the benefits of physician loan programs and how they can support your financial goals. ## What Are Physician Loan Programs? Physician loan programs are specialized mortgage products crafted for healthcare professionals. These loans recognize the financial challenges faced during residency and early practice years. Their tailored nature can ease the transition into homeownership. Key features often distinguish them from traditional loans. For instance, they generally require low or no down payment and do not need private mortgage insurance (PMI). This aspect can translate into substantial savings, particularly useful for early-career physicians. Here’s a summary of the typical benefits of these loans: - Low or no down payment required - No private mortgage insurance needed - Competitive interest rates - Flexible debt-to-income ratio considerations These characteristics make physician loans uniquely suited for medical professionals, facilitating real estate investments without compromising other financial priorities. ## How Physician Loan Mortgage Rates Work Physician loan mortgage rates differ from conventional mortgage rates in several ways. These rates are designed to account for the financial potential and stability of medical professionals. While they might seem similar at first glance, the underlying calculations set them apart. Typically, physician mortgage rates are competitive, reflecting the low-risk nature of professionals with high earning potential. Lenders often offer favorable terms based on the understanding that physicians’ incomes will increase significantly over time. This makes them appealing, especially to new physicians facing large student loans. Key rate components include: - The borrower’s credit score - Prevailing market interest rates - The loan amount and term - The lender’s policies Understanding these factors helps physicians secure the most advantageous rates. Consulting multiple lenders and comparing physician loan interest rates can yield the best financial outcome. Ultimately, grasping these elements is essential for informed decision-making and optimizing home financing strategies. ## Key Benefits of Physician Home Loans Physician home loans offer numerous advantages tailored to the unique financial needs of medical professionals. One significant benefit is the minimal down payment required, often as low as 0-5%. This feature is crucial for early-career physicians who might not have large cash reserves. Another advantage is that physician loans typically don’t require private mortgage insurance (PMI). By waiving PMI, borrowers can save thousands over the life of the loan, enhancing financial stability. These loans also boast flexible debt-to-income ratios. Lenders recognize the potential of physicians’ future earnings, allowing them to be more lenient with current debt levels, such as student loans. This flexibility eases the transition from residency to practice. Key benefits include: - Low or no down payment - No PMI requirement - Flexible debt-to-income ratio Additionally, physician loans can be used for various homeownership needs. From purchasing a primary residence to refinancing an existing mortgage, these loans provide versatile options. Some physician loan programs even extend to other medical professionals, such as dentists and veterinarians. This broad inclusivity maximizes accessibility to these tailored financial products. Additional benefits comprise: - Versatility in loan usage - Eligibility for various medical professionals Overall, physician home loans offer strategic advantages aligned with healthcare professionals’ career stages and financial priorities. ## Who Qualifies for Physician Loan Programs? Physician loan programs are designed for a range of healthcare professionals. Eligibility typically extends to doctors, dentists, and veterinarians. These programs understand the unique financial profiles of medical professionals, enhancing accessibility. Applicants often need to provide proof of their medical degree or employment within the healthcare field. Lenders may also require a reasonable credit score and evidence of a contract or future employment. Each lender has specific criteria, but common qualifiers include: - Medical degree or employment in healthcare - Acceptable credit score - Employment contract or proof of future income Understanding these qualifications can help streamline the application process, ensuring a smoother path to homeownership. ## Comparing Physician Loan Interest Rates to Conventional Mortgages Physician loan interest rates can differ from those of conventional mortgages. While they might be competitive, various factors such as lender, loan type, and borrower’s credit can influence rates. Conventional mortgages typically require a higher down payment compared to physician home loans. On the other hand, conventional loans usually have slightly lower interest rates due to the increased equity required upfront. Here’s a quick comparison of key differences: - **Down Payment**: Low or zero for physician loans, higher for conventional - **PMI Requirement**: None for physician loans, often required for conventional loans - **Debt-to-Income Flexibility**: Greater with physician loans ![Comparison chart of physician loan vs conventional mortgage](https://static.semrush.com/contentshake/articles/ai-images/7f7651b7-bb8c-4238-b7ef-fa915ddb4fdb/4f19c255-4457-43d7-95bf-fae0fae5a78e) When weighing your options, consider the overall financial benefits versus the monthly costs. A clear understanding of these differences can empower you to make informed financial decisions. ## Physician Loans for Different Career Stages Physician loans are versatile, fitting various career phases, from residency to established practice. Early-career physicians may face unique financial challenges due to high student debts and limited savings. Newly practicing doctors often leverage physician home loans to purchase their first home. These loans help overcome hurdles like limited down payments and conventional mortgage restrictions. Key benefits include: - **Low or No Down Payments**: Essential for those with high debts - **Flexible Qualifications**: Accounts for future earning potential - **PMI Waivers**: Saves on long-term costs For seasoned physicians, these loans can assist with upgrading homes or acquiring second properties. By tailoring solutions, physician loans ensure flexibility and security throughout a medical professional’s career journey. ## Tips for Securing the Best Physician Mortgage Rates Securing competitive physician mortgage rates can significantly impact your financial health. Begin by researching various lenders to understand the range of available options tailored for physicians. It’s essential to review terms and conditions thoroughly. Here are some strategies to help you secure favorable rates: - **Improve Your Credit Score**: Higher scores usually translate to better rates. - **Gather Multiple Quotes**: Compare offers from different lenders. - **Negotiate Terms**: Don’t hesitate to ask for better terms. - **Engage a Financial Advisor**: Leverage their expertise for better deals. Consider these tips to help you achieve the most beneficial mortgage rate possible. ## Integrating Physician Loans into Your Financial Plan Physician loans can be a crucial element in your overall financial strategy. When integrated effectively, they support homeownership without diverting funds from other essential goals, such as retirement savings or debt reduction. Consider these factors to maximize benefits: - **Align with Long-Term Goals**: Ensure the loan supports personal and professional aspirations. - **Monitor Debt Levels**: Balance loans with existing student or practice-related debts. - **Consult Professionals**: Seek advice from wealth management experts to tailor the loan to your needs. Thoughtful planning will enhance your financial trajectory while minimizing stress. ## Conclusion: Making the Most of Physician Loan Programs Physician loan programs offer tailored solutions for healthcare professionals aiming to secure homeownership while balancing complex financial lives. By understanding these programs, you can leverage them to support both immediate housing needs and long-term financial objectives effectively. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) [](#_ftnref1)***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other, PHYSICIANS **Tags:** Physician Loan Mortgage Rates: Key Benefits & Savings --- ### [What are the best resources to learn about backdoor Roth IRAs?](https://25financial.com/what-are-the-best-resources-to-learn-about-backdoor-roth-iras/) **Published:** December 1, 2025 **Author:** Pavin White **Content:** # What are the best resources to learn about backdoor Roth IRAs?​ Navigating the world of retirement savings can be complex. For high-income earners, a backdoor Roth IRA offers a strategic advantage. This method allows contributions to a Roth IRA despite income restrictions. Understanding the backdoor Roth IRA process is crucial for maximizing tax benefits. It involves converting a traditional IRA into a Roth IRA. This guide will explore the best resources to learn about backdoor Roth IRAs. We’ll cover step-by-step guides, tutorials, and expert tips. Whether you’re a seasoned investor or new to retirement planning, this information is invaluable. Discover how to leverage this strategy for tax-free growth and wealth building. ## Understanding the Backdoor Roth IRA: Key Concepts The backdoor Roth IRA is a savvy move for high-income earners. It helps bypass the income limits of direct Roth IRA contributions. You can enjoy Roth benefits without traditional entry barriers. Key concepts to grasp include: - Nondeductible contributions to a traditional IRA - Conversion of those funds to a Roth IRA - Aimed for individuals exceeding direct Roth limits The conversion process is straightforward, but it’s not without its intricacies. Familiarity with the Roth conversion process is essential to minimize unexpected taxes. It’s a legal and IRS-endorsed strategy that supports retirement planning. This method enables tax-free growth, a major draw for many. With strategic planning, it becomes a reliable tool for long-term wealth accumulation. It incorporates traditional IRA tax benefits while maximizing potential returns. ## Step-by-Step Backdoor Roth IRA Guide for 2025 Starting a backdoor Roth IRA in 2025 requires careful planning. The process involves several critical steps to ensure compliance and maximize benefits. Here’s a simplified breakdown of the steps involved. 1. **Contribute** a nondeductible amount to a traditional IRA. 2. **Wait** for a brief period to separate transactions. 3. **Convert** the traditional IRA to a Roth IRA promptly. 4. **Report** all transactions on your tax return correctly. Begin by making a nondeductible contribution to your traditional IRA. This money serves as the foundation for your conversion. Timing your contributions can help reduce complications. After contributing, it’s important to wait before converting. This pause, though brief, helps clarify transactions and minimizes red flags from the IRS. Conversion should then happen without significant delay. Finally, ensure all conversions and contributions are accurately reported. Misreporting can lead to avoidable taxes or penalties. Keep detailed records of all activities to support your tax filings. Utilizing a backdoor Roth IRA can enhance retirement savings plans and set the stage for tax-free growth. ## Top Online Guides and Tutorials Exploring online guides and tutorials can greatly enhance your understanding of backdoor Roth IRAs. These resources provide detailed steps and expert insights. Beginners and seasoned investors can both benefit from these comprehensive materials. Here are some top online resources to consider: - **Investopedia**: Offers detailed explanations and practical tips. - **NerdWallet**: Provides clear, concise strategies tailored to different financial situations. - **Fidelity**: Features a step-by-step process for implementing backdoor Roth IRAs. Each of these guides offers unique insights and strategies. They cover essential topics like understanding contribution limits and navigating tax implications. They also delve into more complex subjects like the pro-rata rule and specific wealth building strategies. These resources demystify the backdoor Roth IRA process, providing clarity and confidence. For a comprehensive financial strategy, exploring these guides is key. ## Fidelity and Vanguard Backdoor Roth IRA Guides Fidelity and Vanguard are renowned for their comprehensive financial guides. Both firms offer specific resources for backdoor Roth IRAs. These guides are excellent for investors seeking clarity. Fidelity’s backdoor Roth IRA guide provides a step-by-step approach. It includes detailed information on the Roth conversion process. Additionally, Fidelity outlines potential tax implications clearly. Vanguard’s resources focus on strategic planning. Their guide emphasizes understanding IRA tax benefits. Vanguard also highlights the importance of staying within IRA contribution limits. Explore these guides for benefits including: - Step-by-step Roth conversion processes - Insights into tax-free growth opportunities - Tips on maximizing tax benefits Both Fidelity and Vanguard provide invaluable tools for retirement planning. Their guides help in effectively executing backdoor Roth IRAs. ## Essential Rules: Contribution Limits, Pro-Rata Rule, and Tax Implications Understanding essential rules is critical for executing a backdoor Roth IRA. Contribution limits set by the IRS can affect your strategy. It’s vital to stay informed about changes, especially for the year 2025. The pro-rata rule is another key factor to consider. This rule impacts how taxes apply to conversions. Failing to consider pre-existing IRA balances can result in unexpected taxes. Here are important rules to note: - Keep track of annual contribution limits - Be aware of the pro-rata rule’s tax effects - Understand potential tax implications of conversions Proper planning can help mitigate tax liabilities. By understanding these rules, you can optimize your backdoor Roth IRA strategy for better savings and investments. ## Wealth Building Strategies Using the Backdoor Roth IRA Incorporating a backdoor Roth IRA into your portfolio can enhance wealth building. This strategy is especially valuable for high-income earners. It allows them to bypass income restrictions on Roth IRA contributions. Using this method can lead to significant tax advantages. Investments grow tax-free, and qualified withdrawals are tax-free in retirement. This potential for tax-free growth makes it a powerful part of retirement planning. Key strategies include: - Maximizing contributions annually - Converting smartly to minimize tax impact - Integrating with other retirement savings plans Implementing these strategies requires careful planning. Consulting with a financial advisor can further optimize your approach. With the right strategy, a backdoor Roth IRA can significantly boost your retirement savings. ## Frequently Asked Questions and Expert Tips Many people have questions about implementing a backdoor Roth IRA. Here are some common inquiries and tips from experts to consider before proceeding. Understanding these can help avoid common pitfalls and optimize your retirement strategy. Key questions include: - What are the current IRA contribution limits? - How does the pro-rata rule affect conversions? - What are the best practices for record keeping? Experts recommend staying updated with tax law changes that affect Roth IRAs. They also suggest working closely with a financial advisor to tailor strategies to individual circumstances. Staying informed helps ensure you’re leveraging the backdoor Roth IRA to its fullest potential. ## Conclusion: Choosing the Right Resource for Your Roth IRA Strategy Selecting the right resources is crucial for effectively implementing a backdoor Roth IRA strategy. Online guides, such as those from Fidelity and Vanguard, offer valuable instructions and tips to get started. Consulting these can clarify complex processes and enhance your understanding. Additionally, consider seeking advice from financial advisors who can provide tailored advice based on your unique financial goals. Prioritize resources that are up-to-date and align with your personal retirement objectives. With the right guidance, a backdoor Roth IRA can significantly boost your retirement savings plan and wealth-building efforts. [ Schedule a Consultation with 25 Financial ](https://25financial.com/contact/) ***Disclaimers:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Alternatives, Other **Tags:** Backdoor Roth IRA Guide: Top Resources & Step-by-Step 2025 --- ### [Ameriprise Financial vs 25 Financial: the Fee-Based Advisor Conflict](https://25financial.com/ameriprise-vs-competitors/) **Published:** December 15, 2025 **Author:** Pavin White **Content:** # Ameriprise vs. 25 Financial for Fee Transparency FeatureAmeriprise Financial25 Financial (Fee-Only Fiduciary) Legal StandardFee-Based (Dual Registration: Broker-Dealer & RIA)Fee-Only FiduciaryCompensation StructureAdvisor can earn AUM fees + commissions on products (insurance, annuities, mutual funds)Advisor is paid only by the client (AUM fee)Fee ClarityComplex and often opaque fee layers (AUM, planning fees, commissions)Simple, transparent AUM feeProduct PushPotential pressure to use proprietary Ameriprise funds and high-commission insurance/annuity products100% Open-Architecture—no proprietary products, leading to lower-cost, optimal selection [ Fee-Based vs. Fee-Only ](#fee) [ Proprietary Products ](#Proprietary) [ Service vs. Sales ](#Service) [ FAQs ](#FAQs) ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## The Ameriprise Model: Suitability and the Conflict of Commission Ameriprise Financial maintains a large national footprint and offers a wide array of services, including insurance and investment products.1 The critical difference from an independent RIA lies in their **Fee-Based** structure, which can introduce significant conflicts of interest.2 ## 1. Fee-Based vs. Fee-Only: The Core of the Fiduciary Debate The subtle difference in terminology is where clients often lose transparency and trust. **The Ameriprise Fee-Based Conflict:** An Ameriprise advisor can wear two hats: as a **fiduciary** for advisory accounts, and as a **commissioned salesperson** (under the lower *suitability* standard) for products like annuities, insurance, and specific mutual funds. The incentive to sell a high-commission product over a lower-cost, better-suited alternative is structurally embedded.3 **The 25 Financial Fee-Only Guarantee:** We are strictly **Fee-Only**. We cannot accept commissions, sales loads, or kickbacks from any source. This commitment is the highest legal and ethical standard in finance.4 **Our success is directly tied to your portfolio growth, not to the sale of a product.5** ## 2. Proprietary Products and Investment Selection A large firm’s in-house fund selection can limit client opportunity and increase costs. **Ameriprise’s Proprietary Focus:** Advisors may be guided to utilize Ameriprise’s proprietary funds, which may carry higher expense ratios than comparable outside funds. This **limits open-architecture investment** and can be detrimental to long-term returns. **25 Financial’s Unrestricted Access:** We have no in-house funds. Our **open-architecture platform** allows us to choose from the entire universe of low-cost ETFs, institutional funds, and third-party managers to build the truly optimal portfolio for you. We prioritize cost-efficiency and performance above all else. ## 3. Service vs. Sales Culture For many, the experience with a large broker-dealer can feel like a transactional relationship focused on selling product. **Ameriprise’s Sales Environment:** Reports from past clients often point to pressure to purchase additional products to meet an advisor’s sales goals.6 **25 Financial’s Advice Environment:** We are a **service-first firm**. Our team is focused solely on integrated financial planning, tax analysis, and sophisticated investment strategy for a specialized HNW client base (e.g., physicians, entrepreneurs). Your financial plan is the product, and your success is the goal. ## Frequently Asked Questions (FAQ) #### Is Ameriprise a fiduciary at all times? No. Ameriprise is a “fee-based” firm.7 Their advisors are generally fiduciaries for certain advisory accounts but operate under the less strict “suitability” standard when selling commission-based products like annuities. **25 Financial is a Fee-Only Fiduciary at all times.** #### How do Ameriprise's fees compare to a Fee-Only RIA? Ameriprise fees can be complex, often layering an AUM fee with annual planning fees and potential commissions on products.8 This can make the *all-in cost* difficult to calculate and often higher than the transparent, single **AUM fee** charged by 25 Financial, which covers all planning. ## Ready to Talk About Your Financial Future? If you demand complete transparency and an advisor whose success depends entirely on yours, you need a Fee-Only Fiduciary. **Contact 25 Financial today for a confidential review of your current plan and to explore the unconflicted path.** [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) ***Disclosures:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. 1. Ameriprise Financial. *Understanding Our Advice and Brokerage Services.* Ameriprise official disclosures on fiduciary vs. suitability standards. 2. FINRA. *Broker-Dealer and RIA Dual Registration Rules.* Regulatory overview of fee-based vs. fee-only structures. 3. SEC. *Investment Adviser Fiduciary Duty Guidance.* Clarifies obligations for RIAs under fiduciary law. 4. CFP Board. *Fee-Only vs. Fee-Based: Definitions and Standards.* Professional standards for compensation models. 5. Ameriprise Client Reviews. *Consumer Reports and BBB Feedback.* Summaries of client experiences regarding product sales pressure. 6. Morningstar. *Proprietary Fund Analysis.* Cost comparison of proprietary funds vs. open-architecture alternatives. 7. XY Planning Network. *Fee Transparency in Financial Planning.* Best practices for clear, all-inclusive AUM pricing. 8. Investopedia. *Open Architecture in Wealth Management.* Advantages of unrestricted fund access for RIAs. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** Ameriprise Financial vs. 25 Financial | Fee‑Only vs. Fee‑Based Advisor Comparison --- ### [25 Financial vs Large, Traditional Broker-Dealers](https://25financial.com/traditional-broker-dealers/) **Published:** December 16, 2025 **Author:** Pavin White **Content:** # 25 Financial vs. Large, Traditional Broker-Dealers (Ameriprise, Wells Fargo Advisors, Morgan Stanley, Merrill Lynch): Independence, Personalization, and Alternatives Compared Large, traditional broker-dealers—such as Ameriprise, Wells Fargo Advisors, Morgan Stanley, and Merrill Lynch—offer scale, brand recognition, and broad platform access. Boutique fiduciary firms like 25 Financial differentiate on independence, client-first advice, personalization, and curated access to alternative investments. This comparison helps investors decide which model aligns best with their goals, complexity, and desired level of service. [ The Broker-Dealer Model ](#BD) [ What Sets 25 Financial Apart ](#25) [ Fees and Incentives ](#Fees) [ Access to Alternatives ](#Access) [ Who Benefits From Each Model? ](#Benefits) [ FAQs ](#FAQs) ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## The Broker-Dealer Model: Strengths and Trade-Offs **What they do well:** national footprint, established brands, and comprehensive product menus with planning and advisory capabilities. Many investors appreciate the perceived safety and resources of a large institution. **Where trade-offs appear:** standardized processes, potential proprietary product influence, and commission- or production-based incentives in some relationships. Personalization may be constrained by platform rules, product shelves, and corporate policies. ## What Sets 25 Financial Apart **Independent, fiduciary-first advice:** no internal product bias; recommendations aligned strictly to client objectives and constraints. **Personalized wealth strategies:** tailored portfolios, tax-aware asset location, and proactive planning across retirement, estate, liquidity, and risk. **Access to alternatives:** curated exposure to private equity, private credit, and real estate syndications (subject to eligibility and due diligence). **Transparent pricing:** clear fees designed around total value—strategy design, tax efficiency, and implementation—rather than production targets. [ Learn More About Our Fiduciary Standards ](https://www.25financial.com/fiduciary-standards) [ Learn More About Cash-Smart Investing ](https://www.25financial.com/tax-smart-investing) [ Learn More About Alternative Investments ](https://www.25financial.com/alternative-investments) ## Fees and Incentives: Commission vs. Transparent Pricing Large broker-dealers may combine advisory accounts with commission-based brokerage relationships, where incentives can vary by product type and production goals. Boutique fiduciary firms emphasize transparent, planning-inclusive fees and conflict-minimized recommendations—keeping the focus on outcomes, after-tax returns, and risk alignment. ## Access to Alternatives: Broadening the Opportunity Set Wirehouses primarily center on public markets and select alternative platforms with higher eligibility thresholds. Boutique firms may provide curated access to private equity, private credit, real estate syndications, and other alternatives—clearly disclosing liquidity, risk, and due diligence requirements. ## Who Benefits From Each Model? **Large Broker-Dealers:** best for investors who value brand, branch access, and standardized processes backed by institutional resources. **Boutique Fiduciary Firms:** best for investors who prioritize independence, customized strategies, complex tax and estate planning, and curated alternatives. **Category** **25 Financial** **Ameriprise** **Wells Fargo Advisors** **Morgan Stanley** **Merrill Lynch** **Best Fit** Clients seeking independence & alternatives Investors valuing insurance + planning Bank-loyal clients seeking convenience UHNW clients; global diversification UHNW clients; banking integration **Service Model** Independent RIA; fiduciary-first Broker-dealer with advisory programs; strong insurance integration Bank-affiliated; advisory + brokerage Wirehouse; global research access Wirehouse (Bank of America); private banking for UHNW **Personalization** Fully customized portfolios; tax-aware Goal-based planning; proprietary tools Standardized with advisor discretion Personalized via Next Best Action AI Tiered service; UHNW concierge **Access to Alternatives** Private equity, credit, real estate syndications (eligibility applies) Structured products; limited private funds Select hedge funds & private equity via Wells Fargo Private Bank Private Equity Access Fund; hedge funds; real estate Hedge funds, private equity via Merrill PBIG **Minimum Investment** Flexible; often $1M+ for alternatives $100K–$250K for alt programs $250K+ for private banking access $100K–$500K for alternatives $250K+ for PBIG **Fees & Incentives** Transparent, planning-inclusive Advisory fees + commissions; insurance incentives Advisory fees + commissions Advisory fees; lending incentives Advisory fees; banking product incentives **Technology & UX** Advisor-led insights; custom reporting Goal-Based Advice platform Wells Fargo Online + Envision planning Advanced AI tools; robust digital portal Merrill Edge + Private Banking tech **Tax & Estate Planning Depth** Integrated, proactive strategies Moderate; insurance-driven Moderate; bank trust services Deep for UHNW; family office resources Extensive for UHNW; trust & estate specialists ## FAQs Q: How does fiduciary duty differ from broker-dealer obligations? A: Fiduciary advisors must put client interests first across advice and implementation; broker-dealer obligations can vary by account type (advisory vs brokerage) and product rules. Q: Do large broker-dealers offer alternative investments? A: Access can be program-dependent with higher eligibility thresholds; boutiques may provide curated options with detailed due diligence and disclosures. Q: Which model is better for complex tax and estate planning? A: Boutique fiduciary firms often integrate tax-aware design and estate strategies more deeply; wirehouses may offer planning resources but within standardized frameworks. Q: What if I prefer bank-affiliated convenience and branches? A: Large broker-dealers excel at brand and branch access. If independence and customization rank higher, boutiques like 25 Financial may fit better. ## Ready to Choose Independence Over Complexity? **Book your consultation now through our secure calendar:** [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) ***Disclosures:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** 25 Financial vs. Large Broker‑Dealers: Independence, Fees & Alternatives --- ### [25 Financial vs Major RIA Aggregators](https://25financial.com/major-ria-aggregators/) **Published:** December 15, 2025 **Author:** Pavin White **Content:** # 25 Financial vs. Major RIA Aggregators: A Comprehensive Comparison **Key Takeaways** - Aggregators centralize platforms and operations; boutique fiduciaries emphasize customization and direct advisor relationships. - Alternative investments (private equity, private credit, real estate) are now mainstream, but access and minimums vary by firm and investor qualification. - Minimums and fees differ widely across firms; always verify the firm’s Form ADV and current disclosures before making decisions. [ What Is an RIA Aggregator? ](#Aggregator) [ Boutique Fiduciary vs. Aggregator ](#Boutique) [ Access to Alternatives ](#Access) [ Fees & Minimums ](#Fees) [ Comparison Table ](#Comp) [ FAQs ](#FAQs) ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## What Is an RIA Aggregator? An RIA aggregator acquires or affiliates with independent advisory firms to create scaled platforms, centralizing compliance, technology, investment research, and back office while varying the autonomy of local teams. Models range from integrators (full centralization) to pure aggregators (more autonomy) and hybrids. ## Boutique Fiduciary vs. Aggregator: Core Differences - Advice model: Boutique firms prioritize fiduciary‑first, product‑neutral advice; aggregators often leverage firm‑level models or research teams. - Personalization: Boutique firms typically design tailored strategies for complex goals (e.g., business owners, concentrated positions, multi‑entity tax planning). Aggregators deliver consistency and efficiency via standardized portfolios with customization bands. - Access to alternatives: Availability and minimums differ; many firms now offer curated private market access to qualified investors, but program scope and vehicles vary. ## Access to Alternatives: Private Equity, Private Credit, Real Estate Today’s reality: Alternatives are a core allocation for many advisors, with growing use of evergreen vehicles and platform technology. Suitability and accreditation still apply. What to ask: - Minimums & qualifications (accredited investor status, vehicle structure). - Due diligence process (committee review, third‑party diligence, reporting). - Fees & liquidity (carry/performance fees, lock‑ups, K‑1 timing). [ Ask us how we evaluate private market opportunities for accredited clients ](https://25financial.com/due-diligence-framework/) ## Fees & Minimums: What Investors Actually Pay Fisher Investments: Many independent reviews note $1M typical minimum; some cite $500k for private clients, with tiered AUM fees roughly 1.00%–1.50%, varying by strategy and balance. Always confirm directly with Fisher. Mercer Advisors: Reviews indicate tiered AUM fees ~0.5%–1.1% and varying minimums by service; firm‑level details may differ. Check Mercer’s current disclosures. Mariner Wealth Advisors: No firm‑wide minimum; a quarterly minimum fee may apply for smaller balances. AUM fees ~0.60%–1.25% on the first $1M. ## Comparison Table: 25 Financial vs Fisher, Mercer, Mariner **Category** **25 Financial** **Fisher Investments** **Mercer Advisors** **Mariner Wealth Advisors** **Service Model** Boutique, fiduciary‑first National RIA focused on personalized portfolio management for HNW clients Integrator with unified in‑house planning and investment team Holistic planning with open‑architecture portfolios **Personalization** Highly customized strategies, tax & estate‑integrated Personalized asset allocation with active management; firm‑level macro views Dedicated advisor + specialists; customization within firm portfolios Team‑based planning; customized portfolios using in‑house & third‑party managers **Access to Alternatives** Private equity, private credit, real estate (for qualified investors) Primarily public markets focus for typical private clients Alternatives available for qualified/accredited investors Robust Private Investments platform across PE, private credit, real assets, VC **Minimum Investment** Flexible (case‑by‑case) $500k–$1M (program dependent); verify with firm Varies by service; tiered minimums; verify with firm No firm‑wide minimum; quarterly minimum fee may apply **Typical Fees (bps)** Transparent; personalized ~100–150 bps tiered AUM fees (strategy & balance dependent) ~50–110 bps tiered AUM fees (varies) ~60–125 bps tiered AUM fees; quarterly minimum applies **Planning Depth** Tax, estate, charitable, business succession Investment‑led with planning services Integrated planning (tax, estate, insurance) Integrated planning (tax, estate, insurance) **Custodians** Multiple (as applicable) Varies Varies Allows assets at Fidelity, Schwab, Pershing **Investment Approach** Open architecture + due‑diligenced alternatives Active, macro‑driven equity/bond portfolios Institutional‑grade portfolios; factor‑aware; customization Diversified portfolios (individual securities, ETFs, SMAs, LPs) **Source (links)** — WSJ Buy Side review; firm site FAQ (general) Mercer site + independent review Mariner site + independent review [ Request a personalized fee projection and planning scope. ](https://25financial.com/contact/) ## Who Should Choose a Boutique Firm? Best fit: Investors with complex tax situations, concentrated stock, business‑owner needs, multi‑entity estate structures, or interest in curated private markets with hands‑on due diligence. **How to Evaluate Advisors (5 steps)** 1. Clarify goals & constraints (timeline, liquidity, taxes, estate). 2. Confirm fiduciary & conflicts (fee‑only, product neutrality). 3. Compare planning depth (tax, estate, charitable integration). 4. Assess alternatives access (qualification, minimums, diligence process). 5. Validate fees & minimums in the firm’s ADV Part 2A and current disclosures; don’t rely solely on reviews. ## Frequently Asked Questions (FAQ) #### What is an RIA aggregator and how is it different from a boutique fiduciary? An RIA aggregator acquires/affiliates RIAs to centralize platforms and operations; boutique fiduciaries emphasize independence and customization. #### Do major RIAs offer access to private equity or real estate? Many large RIAs offer curated private investments for qualified investors; access, minimums, and vehicles vary by firm. #### What are typical minimums and fees for Fisher, Mercer, and Mariner? Fisher commonly targets $500k–$1M with ~1.00%–1.50% AUM; Mercer ~0.5%–1.1% with varying minimums; Mariner has no firm‑wide minimum and ~0.60%–1.25% AUM with a quarterly minimum. [ Schedule a 20‑minute consult ](https://25financial.com/contact/) ## Ready for the Independent Difference? If your wealth requires specialized attention and unconflicted advice, choose a firm where the advisor is an entrepreneur, not an employee. **Contact 25 Financial today for a confidential review of your current plan and to explore the unconflicted path.** [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) ***Disclosures:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. **Mini Glossary** - AUM (Assets Under Management): The value of assets an advisor manages for clients. - Accredited investor: Meets income/net‑worth thresholds for certain private offerings. - Evergreen vehicle: Continuously offered fund with periodic liquidity vs. closed‑end drawdown fund. **Sources** Independent references used: - WSJ Buy Side review of Fisher Investments (Dec 2025); - NerdWallet review of Mariner Wealth Advisors (Dec 2025); - Mercer site (Investment Management & firm overview); - Mariner site (Private Investments overview). ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** 25 Financial vs Major RIA Aggregators (Fisher, Mariner) – Full 2025 Comparison, Mercer --- ### [25 Financial vs Digital & Hybrid Giants](https://25financial.com/digital-and-hybrid-giants/) **Published:** December 15, 2025 **Author:** Pavin White **Content:** # 25 Financial vs. Digital & Hybrid Giants (Schwab, Fidelity, Vanguard): Which Wealth Management Model Wins? Digital and hybrid wealth platforms—led by Charles Schwab, Fidelity Investments, and Vanguard—deliver powerful technology, broad access, and low-cost portfolios. Boutique fiduciary firms like 25 Financial, however, compete on personalization, tax-aware planning, and access to alternative investments. This comparison helps investors decide which model best aligns with their goals, complexity, and desired level of service. [ Digital/Hybrid Platforms ](#Digital) [ What Sets 25 Financial Apart ](#25) [ Fees and Value ](#Fees) [ Access to Alternatives ](#Access) [ Who Benefits From Each Model? ](#benefits) [ FAQs ](#FAQs) ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## The Rise of Digital/Hybrid Platforms **What they do well:** scale, convenience, and low-cost investing via automated portfolios (robo-advisors) paired with human guidance. Portals, dashboards, and mobile apps make it easy to open accounts, monitor performance, and rebalance. For many investors, this is a simple, efficient way to stay invested at a competitive price. **Where trade-offs appear:** standardization can limit deep customization, creative tax strategies, or access to private investments unless you qualify for specialized programs. Planning may be modular or add-on, and advice can be constrained by the platform’s product set and workflows. ## What Sets 25 Financial Apart **Independent, fiduciary-first advice:** no internal product bias; recommendations aligned to client goals and constraints. [ Learn More About Our Fiduciary Standards ](https://25financial.com/fiduciary-duty/) **Personalized wealth strategies:** tailored portfolios, tax-aware asset location, and proactive planning across retirement, estate, liquidity, and risk. [ Explore Options For Tax-Smart Investing ](https://25financial.com/tax-efficient-portfolio-management/) **Access to alternatives:** private equity, real estate syndications, and other non-traditional assets (subject to eligibility and due diligence). [ Learn More About Alternative Investments ](https://25financial.com/alternatives-access/) **Transparent pricing:** clear fees designed to deliver value through comprehensive guidance and implementation. ## Fees and Value: Transparency vs. Low-Cost Models Digital giants often lead with low headline fees and standardized portfolios. Boutique firms emphasize total value—integrating tax-aware design, planning depth, and alternatives—so the discussion moves beyond price alone to outcomes, after-tax returns, and risk alignment. ## Access to Alternatives: A Key Differentiator Large platforms primarily center on public markets. Boutique firms may broaden opportunity sets with private equity, private credit, real estate syndications, and other alternatives. These can diversify return drivers and offer unique risk/return profiles, with eligibility, liquidity, and due diligence considerations clearly disclosed. [ See Examples Of Alternative Investment Options ](https://25financial.com/how-to-invest-in-oil-and-gas/) ## Who Benefits From Each Model? **Digital/Hybrid Giants:** best for cost-sensitive investors seeking efficient market exposure, streamlined onboarding, and standardized guidance. **Boutique Fiduciary Firms:** best for investors who value customized strategies, complex tax and estate planning, and curated access to alternatives. **C*ategory*** ***25 Financial*** ***Charles Schwab*** ***Fidelity Investments*** ***Vanguard*** **Service Model** Boutique, fiduciary-first Hybrid: digital + advisors Hybrid: digital + advisors Hybrid: digital + advisors **Personalization** Highly customized strategies Standardized with some customization Standardized with some customization Standardized with some customization **Access to Alternatives** Private equity, real estate, syndications (eligibility applies) Limited or program-dependent Limited or program-dependent Limited or program-dependent **Minimum Investment** Flexible, accessible Varies by program Varies by program Varies by program **Advisory Fees** Transparent; planning-inclusive Generally low AUM-based; planning may be add-on Generally low AUM-based; planning may be add-on Generally low AUM-based; planning may be add-on **Technology & UX** Personalized reporting and advisor-led insights Advanced digital platform Advanced digital platform Advanced digital platform **Tax & Estate Planning Depth** Proactive, integrated planning Modular or program-dependent Modular or program-dependent Modular or program-dependent **Best Fit** Clients seeking tailored strategies and alternatives Cost-focused investors preferring standardization Cost-focused investors preferring standardization Cost-focused investors preferring standardization ## Frequently Asked Questions (FAQ) #### What is the core difference between boutique firms and digital platforms? Boutique firms optimize for personalization, planning depth, and alternatives; digital platforms optimize for scale, access, and low cost. #### Do boutique firms cost more? Fees and structures vary, but boutiques focus on total value—strategy design, tax efficiency, and implementation—rather than price alone. #### Can I access private equity or real estate through large platforms? Access is typically limited or offered through specialized programs with eligibility and higher minimums; boutiques may provide curated access subject to due diligence. #### Which model is right for high-net-worth investors? It depends on goals and complexity. If you need tax-aware customization, integrated planning, and broader opportunity sets, a boutique may fit best; if you prefer standardized, low-cost public market exposure, digital platforms can be effective. [ Explore More About Tax-Smart Investing ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) ## Ready to Explore Your Options? **Book your consultation now through our secure calendar** [ Reach Out Now! ](https://25financial.com/contact/) ***Disclosures:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** 25 Financial vs Digital Giants | Schwab, Fidelity & Vanguard Comparison --- ### [Charles Schwab vs 25 Financial: Comparing a Mega-Brokerage to an Independent Fiduciary RIA](https://25financial.com/charles-schwab-vs-competitors/) **Published:** December 15, 2025 **Author:** Pavin White **Content:** # Charles Schwab vs. 25 Financial: Comparing a Mega-Brokerage to an Independent Fiduciary RIA FeatureCharles Schwab Wealth Management25 Financial (Fee-Only Fiduciary) Primary Business ModelBank/Brokerage with internal advisory programs.Independent, Fee-Only Registered Investment Advisor (RIA).True Fiduciary StatusFiduciary for advisory accounts; brokerage products are not held to this standard.Fee-Only Fiduciary on all relationships, legally eliminating commission conflicts.Advisor ContinuityPotential for high advisor turnover and high client-to-advisor ratios.Dedicated Partner/Principal Advisor with a low client-to-advisor ratio for white-glove service.Investment AccessPrimarily standard public securities and proprietary Schwab/Vanguard-style funds.Open-Architecture plus specialized access to HNW Alternative Investments. [ The Conflict of a Hybrid ](#conflict) [ Service Depth ](#service) [ Investment Strategy ](#strategy) [ FAQs ](#FAQs) ![](https://25financial.com/wp-content/uploads/2025/12/Ameriprise-2.avif "Ameriprise-2 - 25 Financial - 25 Financial") ## The Charles Schwab Model: Scale vs. Dedicated Service Charles Schwab is a market leader known for its low-cost trading and strong technology platform. However, when evaluating their premium services (like Schwab Wealth Advisory), **scale often conflicts with dedicated personalization** required by high-net-worth individuals. ## 1. The Conflict of a Hybrid: Fiduciary Advice on a Brokerage Platform Schwab acts as a fiduciary within its advisory programs, but the core business is a brokerage. This creates a hybrid environment that can feel confusing to clients. **Schwab’s Inherent Conflict:** Advisors are incentivized to use Schwab’s own investment products (ETFs, mutual funds) and banking services. While convenient, this is an **inherent conflict of interest** where proprietary funds may be favored over a truly superior third-party option. **The 25 Financial Independent Advantage:** As a **Fee-Only Fiduciary RIA**, we use a custodian like Schwab or Fidelity *only* for asset security. Our advice is **100% open-architecture**. We select the absolute best-in-class solutions for you, without any pressure, kickback, or incentive to use an in-house product. ## 2. Service Depth: Schwab Financial Consultant vs. 25 Financial Partner For families and individuals with complex financial lives, the quality and consistency of the advisor relationship is key. **Schwab Financial Consultant:** You are often working with a team where the “Financial Consultant” may be an employee with a high volume of client relationships. This often results in a focus on *reactive service* rather than *proactive planning*. **25 Financial’s Dedicated Advisor:** We limit the number of clients per advisor to ensure you work directly with a senior leader or principal of the firm. Our focus is on **proactive, specialized planning**, integrating advanced tax strategy, estate planning, and business exit strategy into one cohesive plan. ## 3. Investment Strategy: Public Funds vs. Private Alternative Investments Sophisticated HNW portfolios require diversification that goes beyond the public markets. **Schwab’s Investment Breadth:** Schwab’s strength is in low-cost, publicly traded securities. While adequate for standard portfolios, true **HNW diversification** requires more complex assets. **25 Financial’s Alternative Edge:** We specialize in vetting and providing access to **private, alternative investments** for accredited investors (e.g., real estate funds, private equity, private debt). This often provides non-correlated returns unavailable on large, standard brokerage platforms and is a core part of our specialized HNW offering. ## Frequently Asked Questions (FAQ) #### Is Charles Schwab a Fee-Only Fiduciary? No. Charles Schwab is a hybrid. They act as a fiduciary in their paid advisory accounts (like Schwab Wealth Advisory) but operate under the less strict “suitability” standard in their core brokerage services. 25 Financial is a **Fee-Only Fiduciary** across the board. #### Are 25 Financial's fees higher than Schwab's? While Schwab advertises low fees, the *total cost* of their advice can be complex. 25 Financial’s AUM fee is transparent and covers all comprehensive planning, tax analysis, and investment management. You gain specialized access and service depth without hidden fees or product incentives. ## Ready for the Independent Difference? If your wealth requires specialized attention and unconflicted advice, choose a firm where the advisor is an entrepreneur, not an employee. **Contact 25 Financial today for a confidential review of your current plan and to explore the unconflicted path.** [ Get Started and Schedule a Consultation ](https://25financial.com/contact/) ***Disclosures:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Compared **Tags:** Charles Schwab vs. 25 Financial: Independent Fiduciary RIA Comparison for HNW Investors --- ### [Clarity and Alignment: Understanding 25 Financial's Fee-Only Advisory Schedule](https://25financial.com/fee-only-advisory-schedule/) **Published:** December 16, 2025 **Author:** Pavin White **Content:** # Clarity and Alignment: Understanding 25 Financial's Fee-Only Advisory Schedule At **25 Financial**, our commitment is to provide transparent, unbiased advice that always puts your financial interests first. This dedication is defined by our **Fee-Only** compensation model, ensuring the firm’s recommendations are never influenced by commissions or third-party incentives. This article summarizes our competitive fee schedule, as fully detailed in our Form ADV Part 2A Disclosure Brochure. [ Fiduciary Standard ](#FiduciaryStandard) [ Asset Management ](#Asset) [ Financial Planning ](#FinancialPlanning) [ Understanding Other Costs ](#Understanding) ## Why 25 Financial is a Fee-Only Firm (Fiduciary Standard) The term **Fee-Only** is a designation indicating that **25 Financial is compensated solely through advisory fees, and never receives commissions from the sale of investment products.** This model is foundational to our role as a **Registered Investment Advisor (RIA)**, legally bound to the **Fiduciary Standard**. - **No Commissions:** 25 Financial does not earn commissions from selling specific investment products, mutual funds, insurance, or annuities. - **Unbiased Advice:** This structure eliminates inherent conflicts of interest. We ensure complete transparency by **clearly outlining any potential conflicts for clients to review**, removing all ambiguity from their decision-making process. ## Asset Management: Fee-Only, Assets Under Management (AUM) Structure Our core service is discretionary asset management. For this service, 25 Financial’s annual investment advisory fee is a percentage of the total assets the firm manages for the client. This is a common and transparent **fee-only** method known as Assets Under Management (AUM). 25 Financial utilizes a tiered, or “blended,” fee structure, which means the percentage charged decreases as the value of the assets under management increases. **Assets Under Management** **Annual Fee** **Monthly Fee** Up to $250,000 1.50% 0.125% $250,001 to $500,000 1.25% 0.104% $500,001 to $2,000,000 1.00% 0.083% Over $2,000,000 0.90% 0.075% *Note: For complex holdings like alternative investments, the annual fee may be charged at up to 2.00%, as agreed upon in writing. All fees are negotiable.* **Key Billing Details:** - **Billing Frequency:** Fees are billed monthly in arrears. - **Calculation:** Fees are calculated based on the **average daily balance** of the account for the preceding month. - **Negotiability:** The annual fees are negotiable based on factors such as the dollar amount of assets, the historical client relationship, and the type of assets involved. ## Financial Planning: Fixed Fee for Ongoing Services For our ongoing, comprehensive financial planning services, 25 Financial charges a **fixed fee** (a type of fee-only compensation) that reflects the complexity and scope of the work required for the client’s unique financial situation. - **Service Fee:** Financial planning is offered on a fixed fee basis ranging between **$2,000 and $5,000**. - **Implementation Waiver:** 25 Financial reserves the right to waive the financial planning fee if the client elects to implement the plan through the firm. ## Understanding Other Costs 25 Financial’s clients may incur the following costs, which are separate from the core Asset Management and Financial Planning fees: **External Costs** As a fee-only firm, 25 Financial must clarify that certain costs are separate from the advisory fees paid to the firm: - **Custodial Fees:** Clients pay their custodian (the firm that holds their assets) for custody services. **25 Financial does not receive any portion of these fees.** - **Transaction Fees:** Custodians may charge fees on the purchases and sales of securities. **25 Financial does not receive any portion of these fees.** - **Internal Fund Expenses (Expense Ratios):** Mutual funds and Exchange-Traded Funds (ETFs) charge internal operating expenses, which are disclosed in the fund’s prospectus. **25 Financial does not receive any portion of these fees.** **Technology Fees (Paid to 25 Financial)** These fees cover costs associated with technology, data aggregation, and consolidated reporting: - **For each full-service account:** $40/year. - **For each held-away account managed with ByAll:** $80/year. - **For each held-away account managed with 3rd Party Providers:**30%/year, billed monthly on average account value. - **For each Alternative asset master account:** $40/year. - **For all Alternative assets consolidated through 3rd Party Providers:** 0.048% of managed alternative value (ex: a $100,000 investment is billable at $4/month). ***Disclosure:*** For the most comprehensive information, please refer to 25 Financial’s full Form ADV Part 2A Disclosure Brochure. The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances. Securities offered through Great Point Capital, LLC; member FINRA/SIPC/IEX. Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. Great Point Capital, LLC and 25 Financial are separately owned and unaffiliated entities. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other **Tags:** Fee‑Only Financial Advisor Fees | Transparent AUM & Planning Costs --- ### [Financial Planning basics for our Kids and Community](https://25financial.com/financial-planning-basics-for-our-kids-and-community/) **Published:** March 4, 2024 **Author:** Randy Larson **Content:** ### **Financial Planning basics for our Kids and Community** Should I open a Roth for my kids? Can you tell me some investing basics to get them started? Would these principles apply to inexperienced investors in my community as well? Yes, yes and yes! 25 Financials’ Vision is to help you live life to its fullest potential. Helping others is part of living life to the fullest – as the Proverb states, “Refresh others, and you yourself will be refreshed.” Teaching others to create ecosystems of financial health creates compound interest that can be life-changing, even multi-generationally. You can be this life-changing agent in someone’s life. Just last month, I shared the basics outlined below with a young man at my church. Up until that point, he lived paycheck to paycheck. He told me last week that he is now in the habit of saving every week in his investment accounts. It has even become a game for him to see how much he can sock away each month! Let’s look at a few general principles and then practically, how to open accounts. ### **General Principles** My ten-year-old is a big spender – whether buying birthday gifts for siblings or a fish tank for his room. When he asked to tap into his savings account to buy a toy, I knew it was time to have the financial talk. Cravings for more do not subside as we get older – the price tag just goes up! We must modify our behavior to be content. And the longer we wait, the more difficult it becomes to form new habits. I explained to my son that it will never be easier for him to save than right now. After paying for food, housing, taxes, etc…as an adult, there is not much left over to spend! Earning $5/hour now is like earning $25/hr as an adult. We agreed that for every 10 dollars he earns, he will donate 2 dollars to charity, save 2 dollars, then he can spend the other 6 however he wants. Our older 2 children (16 and 15) have saved and donated thousands so far. As importantly, they have learned to be content living on 60% of their income. The day will never come when we feel like we have enough to comfortably give to charity or begin a savings habit. Like most healthy habits in life, this is one where we must act our way into proper feelings and not try to feel our way into proper actions. My ten-year-old son worked an extra job around the house to buy the toy. It only took him a week for his desires and lifestyle to conform to his healthy habits of saving and giving. 55% of Americans live paycheck to paycheck. Imagine if they had developed healthy habits at a young age. Let’s give that opportunity to those around us! ### **Practical Next Steps** There are several custodians you can use to invest. I included steps to open Schwab accounts. This is who I use for my kids. **1.** Go to “Open Account” on Schwab.com. ![](https://25financial.com/wp-content/uploads/2024/03/Schwab-Open-Account.jpg "Schwab-Open-Account - 25 Financial") **2.** Choose and open account. It should take around 10 minutes to open each account. All 5 of my children have Custodial brokerage accounts and my older 3 have Roth IRAs. You must have “earned income” to fund a Roth IRA. My older three children use money from chores around the house and income from small businesses they created (selling chopped wood, chicken eggs, etc…) to fund their Roth IRAs. The primary advantage of a Roth IRA is that all the growth is tax-free. I told my 15-year-old that if he makes a one-time contribution of the maximum Roth limit of $7,000 this year and earns 8% per year in the market, he will have $206,891.80, net of taxes by age 60. Even adjusted for inflation, this is more than most Americans retire with right now – all from just one investment! Of course, Roth IRA rules require him to wait until age 59 ½ to withdraw this money. The brokerage account investments, on the other hand, can be withdrawn anytime without penalty, but you must pay taxes on investment gains. Most will want to open an individual brokerage account if single or a joint brokerage if married. For a child under the age of 19 (or a full-time college student under the age of 24), many will open a “Custodial Account” account where the first $2,600 of a child’s unearned income is tax-free. Click “all accounts” on Schwab.com to see full selection of accounts. **3.** Transfer money into the account. Once each account is open, you can link a checking account to each Schwab account. This will allow you to draft money into the accounts. Most people choose a monthly draft where the funds will be automatically drafted and invested. **4.** Invest inside the account. Many will choose to invest in a [“target date” fund](https://www.schwabassetmanagement.com/products/stir). This is one fund that is a diversified mix of many stocks and bonds. It automatically rebalances itself and becomes more conservative as the target date (of withdrawal) nears. For example, my children’s Roth IRAs are invested in a “2065 target date” fund because it will be withdrawn at their retirement, around 2065. But their brokerage accounts are invested in a “2030 target date” fund because they plan to use that money sooner (downpayment on a house, car, etc…). ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** BASICS, Other --- ### [Health and Wellness in the New Year](https://25financial.com/health-and-wellness-in-the-new-year/) **Published:** January 8, 2024 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** #### Dear 25 Financial Family, Happy New Year! At 25 Financial, our Mission is to create More Time and More Money for our clients. But our Vision bigger. It is to help our clients live life to its fullest potential. What is the point of all the time and money in the world if we are not enjoying it? Team 25 is “taking the plunge” into habits that will sustain overall health and happiness. We invite you to join us and make 2024 your best year yet! We have all heard, “No Pain, No Gain.” But all suffering is not equal. Getting the blood pumping at the gym is painful…but not the same kind of pain caused by obesity and cardiovascular disease. The former is pain with benefits (“redemptive” suffering), whereas the latter is just pain. Engaging in redemptive suffering creates ecosystems of life that produce greater degrees of overall health, happiness and prosperity. Life is hard. We are all tempted to cope with difficulties with unhealthy life practices…including doing nothing at all. It helps to be in a community that encourages healthy living through redemptive suffering. At 25, our team has been engaging in the following disciplines. We invite you to join us and make 2024 your best year yet! ![](https://25financial.com/wp-content/uploads/2024/01/IMG_6045.2-585x650.jpeg "IMG_6045.2 - 25 Financial - 25 Financial") > “The blessing in life is when you find the torture you are comfortable with. That’s marriage, it’s kids, it’s work, it’s exercise. Find the torture you’re comfortable with and you’ll do well. You’ve mastered that, you’ve mastered life.” > > – Jerry Seinfeld ![](https://25financial.com/wp-content/uploads/2024/01/IMG_3271-1300x650.jpg "IMG_3271 - 25 Financial - 25 Financial") ### Cold Water Immersion (Cold Baths) “You are crazy!” “Why would you do that to yourself?!” We have heard it all. Nevertheless, we have had a blast swapping stories of our 3-5 minute, daily ice (32-45 degree) baths. Some choose cold showers, others hunker down in tiny $100 Amazon plunge pools, and still others cut holes in the ice at the vacation lake house! I keep my pool open year-round as my instrument of torture…and even plan “plunge parties” with our Winter house guests. Everyone has different thresholds, but the general goal is about 11 minutes per week. My journey began in 2022 with [research](https://www.hubermanlab.com/newsletter/the-science-and-use-of-cold-exposure-for-health-and-performance) to help call my brain’s bluff that I would die of cold (or stupidity!). I then started with 30-second plunges. I have now acclimated to daily 3-5 minute baths. There are lots of [benefits](https://www.onepeloton.com/blog/cold-plunge-benefits/) from ice bathing, but I particularly love the euphoric feeling afterwards and the laser-focus concentration at work for about 4 hours following (think Bradley Cooper after popping the pill in the movie “Limitless”). I also get deeper sleep, energetically tackle difficult issues with newfound grit, and have developed a “can-do” attitude towards seemingly impossible tasks. I get all of this at the cost of 3 minutes of my day! ### Exercise Jeff (25 Financial Co-Founder) and I began our personal training routines at age 16 and 17, respectively. Since then, we have exercised daily. Our focus is to build muscle mass to help with bone health, posture, etc… and also endurance train at a “Zone 2” (115-140 BPM) heart rate for 3-4 hours/week and 8-12 minutes at Zone 5 (175+ BPM)/week. Our team prioritizes training including using our new 25 building’s full gym or carving out time for a Lifetime Fitness visit when traveling. I like to train (or ice bathe) in the morning or when I hit the end of my brain cycle late afternoon. My mental and emotional battery recharges after each training session. My brain cycle resets afterwards, giving me another 3-4 hours of deep concentration. I am also more energetic, social, happy and intelligent person after training. I used to think I would not have enough time to train. Now, I don’t think I could survive at this level without training! ### Fasting I began my water fasting journey 20 years ago in Seminary. Over the decades, I have periodically abstained from everything but water from Sunday after dinner to Tuesday morning, using mealtimes to pray. Fasting helps me manage stress, enhance my prayer life, gain clarity on a difficult issue, appreciate food and other blessings that I take for granted and silence my stomach’s incessant demands. I feel refreshed and focused for weeks after a fast. There are also [many medical benefits](https://www.nia.nih.gov/news/research-intermittent-fasting-shows-health-benefits) to a water fast. We invite you to start your year by engaging in a water fast with Team 25. We are fasting between Sunday dinner on January 7th through Wednesday dinner January 10th (3 full days). Fast for as long or short as you desire and let us know how it goes! Happy New Year from your 25 Family – Here’s to living life to the fullest! Helpful Links/Sources: ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other **Tags:** Cold Baths, Cold Plunge, Health --- ### [Alternatives Access: Institutional-Grade Opportunities With Discipline](https://25financial.com/alternatives-access/) **Published:** November 20, 2025 **Author:** Pavin White **Content:** # Alternatives Access: Institutional-Grade Opportunities With Discipline Alternative investments—private equity, private credit, real estate, and other non-public strategies—can improve diversification and return potential when used thoughtfully. They can also introduce complexity, fees, and liquidity constraints. Our role is to help clients access quality opportunities while applying consistent due diligence and risk controls. ## Why alternatives matter Over the last two decades, private equity generated approximately **300–500 basis points of annual outperformance [\[1\]](#_ftn1)** over public markets according to major index providers. Private credit has delivered **higher yields and lower volatility [\[2\]](#_ftn2)** than high-yield bonds across multiple cycles. But dispersion between top- and bottom-quartile managers is wide—meaning access and screening matter. ## Our approach We evaluate sponsors, track records, fee structures, stress-test assumptions, and liquidity terms. We favor institutional-grade managers and co-investments where incentives are clearly aligned. Alternatives fit only when they improve the overall portfolio—not when they simply sound attractive. ## Why alternatives matter Over the last two decades, private equity generated approximately **300–500 basis points of annual outperformance [\[1\]](#_ftn1)** over public markets according to major index providers. Private credit has delivered **higher yields and lower volatility [\[2\]](#_ftn2)** than high-yield bonds across multiple cycles. But dispersion between top- and bottom-quartile managers is wide—meaning access and screening matter. ## Oil and Natural Gas Investments ![](https://25financial.com/wp-content/uploads/2025/11/OG-Investment.png "O&G Investment - 25 Financial - 25 Financial") Oil and gas investments can offer unique tax mitigation. Deductions come from Intangible Drilling Costs’ under IRC Section 263(c). Taxes eliminated may decrease marginal tax bracket and taxes saved can be reinvested to increase growth. ## Example A family approaching retirement wanted income but was wary of interest-rate volatility. After reviewing their liquidity budget and tax profile, we allocated a portion of their portfolio to a real estate fund with quarterly distributions. The allocation increased projected portfolio income without compromising risk parameters. [\[1\]](#_ftnref1) **Burgiss, “Private Capital Performance: Latest Update.”** Burgiss data consistently shows private equity outperforming public equities by *300–500 basis points annually* over rolling 10–20 year horizons. **Cambridge Associates Private Equity Index (multiple annual updates).** Confirms long-term private equity returns exceeding public markets by a similar margin. [\[2\]](#_ftnref2) **Cliffwater Direct Lending Index (CDLI).** Demonstrates lower volatility and higher yields for private/direct lending compared to high-yield bonds over multi-cycle periods. **BlackRock, “Private Credit: An Expanding Opportunity Set” (2023).** Shows private credit producing higher income with comparable or lower volatility than public credit strategies. ***Disclosure:*** *This article does not constitute professional advice. Information is accurate at the time of writing but may be subject to change.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* Advisory services are offered through 25 Financial, a Securities and Exchange Commission Registered Investment Advisor. 25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation. ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Alternatives, Other **Tags:** Alternatives Access: Institutional-Grade Opportunities With Discipline --- ### [3 Investment Opportunities From The Coronavirus Related Distribution (CRD) Provision Under CARES Act](https://25financial.com/3-investment-opportunities-from-the-coronavirus-related-distribution-crd-provision-under-cares-act/) **Published:** April 27, 2020 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** ### 25 Executive Summary: Under the [CARES Act](https://25financial.com/cares-act-5-key-takeaways-for-physicians-and-high-net-worth-taxpayers/), all eligible participants can withdraw up to $100k with no 10% penalty or tax withholding from their IRAs and employer-sponsored retirement plans, each called a Coronavirus Related Distribution (CRD). Participants can spread the tax burden from this Coronavirus Related Distribution evenly over 3 years (2020, 2021 and 2022) or elect to be taxed all in 2020 (perhaps if your income is lower given Covid-19). Alternatively, participants can avoid all taxes on the distribution by simply repaying a retirement account incrementally or as a lump sum within 3 years. This repayment will be treated the same as a qualified plan rollover within the 60 day window. ### ![25 strategy recommendation](https://25financial.com/wp-content/uploads/2020/04/25-strategy-lightbulb.jpg "- 25 Financial") ### The Coronavirus Related Distribution offers Three Investment Opportunities for Physicians & High Net Worth Investors **1. Better Investments Options.** Physicians and HNWs can withdraw $100k from their 401k and roll it into a rollover IRA in order to gain access to a broader range of investment options. This might be a good opportunity to invest in [non-correlated alternative investments](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) that are not allowed in most employer-sponsored retirement plans. **2. Generate Tax Deductions.** Physicians and HNWs can withdraw $100k and invest in a tax-favored alternative investment such as an oil and/or natural gas partnership with first-year Intangible Drilling Cost (“IDC”) deductions. Some alternative investment companies offer as much as 80% of the original investment as a deduction in the first year. IDC deductions are “above the line” and therefore reductions of the taxpayer’s gross income under section IRC 263(c). In this case, if an accredited investor invests $100k in a natural gas partnership with 80% IDC deductions, they will reduce their gross income by $80k and enjoy significant tax savings in 2020. **3. Roth Conversion Strategy.** Physicians and HNWs can convert pre-tax IRA money to a Roth and use the 100k distribution to pay the taxes on this conversion. At a 40% tax bracket, $100k can leverage a $250k conversion to grow tax-free. Not only is [this an ideal Roth conversion environment, ](https://25financial.com/cares-act-5-key-takeaways-for-physicians-and-high-net-worth-taxpayers/)there is the added benefit of using the full $100k now but spreading the repayment evenly over 3 years. ### Eligible Plan Types ### Rules and Timeline **Distribution must be made by:** A qualified individual, defined as an individual who is diagnosed with the COVID-19 or SARS CoV-2 (or whose spouse or dependent is diagnosed with the virus) in an approved test. **OR** An individual who experience related adverse financial consequences. ### Impact on Employers - Employers can rely on individuals’ certification that they meet the requirements. - Employers adding a CRD distributable event to their plan will need to amend their plan document by the end of their 2022 plan year to document this change. - Employers are not required to offer the direct rollover option or provide the required 402(f) notice that explains rollover options ### Tax and Rollover Treatment ¹ Individuals who have other coronavirus related distribution events in eligible plans, defined benefit plans, and money purchase pension plans can still take advantage of these tax benefits, even if the employer hasn’t authorized a CRD distributable event. ² Individuals in eligible plans, defined benefit plans, and money purchase pension plans may distribute up to $100,000 (in aggregate) from their vested account balance. **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Arete Wealth Management are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation* *Securities offered through Arete Wealth Management, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through Arete Wealth Advisors, LLC, an SEC Registered Investment Advisor* ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other **Tags:** 401K, CARES Act, Coronavirus, Coronavirus Related Distribution, CRDs --- ### [What is the Paycheck Protection Program (PPP)? Here's Your Simple Guide](https://25financial.com/what-is-the-paycheck-protection-program-ppp-heres-your-simple-guide/) **Published:** April 3, 2020 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** ### 25 Executive Summary Many Physician and Dentist independent contractors and private practices owners are looking for economic relief after the havoc incurred by Covid-19. The CARES Act offers 2 potential benefits for small businesses (under 500 employees) and self-employed individuals: the Economic Injury Disaster Loans / Grants (EIDL) and the Payment Protection Act (PPP). This article is a summary from the Small Business Administration (“SBA”) regarding the PPP with a more in-depth link from SBA attached. Under the PPP, Physician and Dentist private practices and independent contractors may be eligible for an unsecured loan for up to 2.5 times the average monthly payroll expense (capped at 100k total compensation per employee) over the previous year with a $10M maximum loan. Borrowers must make a good faith certification that the loan is necessary to support the business through the environment created by COVID-19 and that funds will be used to retain workers and maintain payroll or make mortgage interest payments, lease payments and utility payments. Borrowers may also be eligible for loan forgiveness for amounts spent during the 8-week period on: (i) rent, (ii) defined payroll costs, (iii) mortgage interest, and (iv) utilities, not to exceed the principal of the loan. The amount of the PPP loan forgiveness may be reduced if the borrower reduces the number of employees or salaries and wages during the 8-week period following the origination of the loan. However, this reduction penalty doesn’t apply to the extent the borrower restores their workforce count and salaries/wages by June 30, 2020. These loans are “first come first served” and so time is of the essence to submit applications. Small businesses can apply beginning April 3, 2020 and independent contractors and self-employed individuals can apply April 10, 2020. The Paycheck Protection Program (“PPP”) is part of the landmark [CARES Act](https://25financial.com/cares-act-5-key-takeaways-for-physicians-and-high-net-worth-taxpayers/) and authorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. ***All loan terms will be the same for everyone.*** The loan amounts will be forgiven as long as: - - The loan proceeds are used to cover payroll costs, and most mortgage interest, rent, and utility costs over the 8 week period after the loan is made; - Employee and compensation levels are maintained. Payroll costs are capped at $100,000 on an annualized basis for each employee. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. Loan payments will be deferred for 6 months. #### When can I apply? - - Starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders. - Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders. - Other regulated lenders will be available to make these loans as soon as they are approved and enrolled in the program. #### Where can I apply? You can apply through any existing SBA lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating. Visit [www.sba.gov](http://www.sba.gov/) for a list of SBA lenders. #### Who can apply? All businesses – including nonprofits, veterans organizations, Tribal business concerns, sole proprietorships, self-employed individuals, and independent contractors – with 500 or fewer employees can apply. Businesses in certain industries can have more than 500 employees if they meet applicable SBA employee-based size standards for those industries (click [HERE](https://www.sba.gov/federal-contracting/contracting-guide/size-standards) for additional detail). For this program, the SBA’s affiliation standards are waived for small businesses (1) in the hotel and food services industries (click [HERE](https://www.census.gov/eos/www/naics/) for NAICS code 72 to confirm); or (2) that are franchises in the SBA’s Franchise Directory (click [HERE](https://www.sba.gov/sba-franchise-directory) to check); or (3) that receive financial assistance from small business investment companies licensed by the SBA. Additional guidance may be released as appropriate. #### What do I need to apply? You will need to complete the Paycheck Protection Program loan application and submit the application with the required documentation to an approved lender that is available to process your application by June 30, 2020. Click [HERE](https://www.sba.gov/funding-programs/loans/paycheck-protection-program) for the application. What other documents will I need to include in my application? You will need to provide your lender with payroll documentation. #### Do I need to first look for other funds before applying to this program? No. We are waiving the usual SBA requirement that you try to obtain some or all of the loan funds from other sources (i.e., we are waiving the Credit Elsewhere requirement). #### How long will this program last? Although the program is open until June 30, 2020, we encourage you to apply as quickly as you can because there is a funding cap and lenders need time to process your loan. #### How many loans can I take out under this program? Only one. #### What can I use these loans for? You should use the proceeds from these loans on your: - - Payroll costs, including benefits; - Interest on mortgage obligations, incurred before February 15, 2020; - Rent, under lease agreements in force before February 15, 2020; and - Utilities, for which service began before February 15, 2020. #### What counts as payroll costs? Payroll costs include: - - Salary, wages, commissions, or tips (capped at $100,000 on an annualized basis for each employee); - Employee benefits including costs for vacation, parental, family, medical, or sick leave; allowance for separation or dismissal; payments required for the provisions of group health care benefits including insurance premiums; and payment of any retirement benefit; - State and local taxes assessed on compensation; and - For a sole proprietor or independent contractor: wages, commissions, income, or net earnings from self-employment, capped at $100,000 on an annualized basis for each employee. #### How large can my loan be? Loans can be for up to two months of your average monthly payroll costs from the last year plus an additional 25% of that amount. That amount is subject to a $10 million cap. If you are a seasonal or new business, you will use different applicable time periods for your calculation. Payroll costs will be capped at $100,000 annualized for each employee. #### How much of my loan will be forgiven? You will owe money when your loan is due if you use the loan amount for anything other than payroll costs, mortgage interest, rent, and utilities payments over the 8 weeks after getting the loan. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. You will also owe money if you do not maintain your staff and payroll. - - **Number of Staff:** Your loan forgiveness will be reduced if you decrease your full-time employee headcount. - **Level of Payroll:** Your loan forgiveness will also be reduced if you decrease salaries and wages by more than 25% for any employee that made less than $100,000 annualized in 2019. - **Re-Hiring:** You have until June 30, 2020 to restore your full-time employment and salary levels for any changes made between February 15, 2020 and April 26, 2020. #### How can I request loan forgiveness? You can submit a request to the lender that is servicing the loan. The request will include documents that verify the number of full-time equivalent employees and pay rates, as well as the payments on eligible mortgage, lease, and utility obligations. You must certify that the documents are true and that you used the forgiveness amount to keep employees and make eligible mortgage interest, rent, and utility payments. The lender must make a decision on the forgiveness within 60 days. #### What is my interest rate? 0.50% fixed rate. #### When do I need to start paying interest on my loan? All payments are deferred for 6 months; however, interest will continue to accrue over this period. #### When is my loan due? In 2 years. #### Can I pay my loan earlier than 2 years? Yes. There are no prepayment penalties or fees. #### Do I need to pledge any collateral for these loans? No. No collateral is required. #### Do I need to personally guarantee this loan? No. There is no personal guarantee requirement. ***However, if the proceeds are used for fraudulent purposes, the U.S. government will pursue criminal charges against you.*** #### What do I need to certify? As part of your application, you need to certify in good faith that: - - Current economic uncertainty makes the loan necessary to support your ongoing operations. - The funds will be used to retain workers and maintain payroll or to make mortgage, lease, and utility payments. - You have not and will not receive another loan under this program. - You will provide to the lender documentation that verifies the number of full-time equivalent employees on payroll and the dollar amounts of payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities for the eight weeks after getting this loan. - Loan forgiveness will be provided for the sum of documented payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. - All the information you provided in your application and in all supporting documents and forms is true and accurate. Knowingly making a false statement to get a loan under this program is punishable by law. - You acknowledge that the lender will calculate the eligible loan amount using the tax documents you submitted. You affirm that the tax documents are identical to those you submitted to the IRS. And you also understand, acknowledge, and agree that the lender can share the tax information with the SBA’s authorized representatives, including authorized representatives of the SBA Office of Inspector General, for the purpose of compliance with SBA Loan Program Requirements and all SBA reviews. **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Arete Wealth Management are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* *Securities offered through Arete Wealth Management, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through Arete Wealth Advisors, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other **Tags:** CARES Act, Paycheck Protection Program --- ### [CARES Act: 5 Key Takeaways for Physicians and High Net Worth Taxpayers](https://25financial.com/cares-act-5-key-takeaways-for-physicians-and-high-net-worth-taxpayers/) **Published:** April 2, 2020 **Author:** Randy Larson **Content:** Written by: [Randy Larson](https://25financial.com/meet-team-25/#randylarson), J.D., LL.M. On March 25, 2020, the Senate unanimously passed (96-0) the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) followed by the House of Representatives who passed the CARES Act by voice vote on March 27, 2020. President Trump signed the bill into law that same day. Here are some key points from this nearly 900-page legislation: ![](https://25financial.com/wp-content/uploads/2020/04/Key-2020-CARES-Act-Provisions-1.png "Key-2020-CARES-Act-Provisions-1 - 25 Financial") The CARES Act provides stimulus to individuals, businesses, and hospitals in response to the economic distress caused by the coronavirus (COVID-19) pandemic. Here is the breakdown: ![](https://25financial.com/wp-content/uploads/2020/04/cares-act-breakdown.png "cares act breakdown - 25 Financial") Perhaps the most popular provision of the CARES Act is the “Recovery Rebate” (checks to individuals) from which (approximately) 90% of Taxpayers will receive at least some cash benefit. This graph helps understand the rebate: ![](https://25financial.com/wp-content/uploads/2020/04/who-is-getting-checks-1024x240.png "who is getting checks - 25 Financial") Many Doctors and other High Net Worth (“HNW”) taxpayers will not be eligible for the recovery rebate and other provisions in the CARES Act. ### 5 Provisions That Should Be Closely Examined by HNW Taxpayers #### 1. No RMDs for 2020 The CARES Act waives Required Minimum Distributions (“RMDs”) for 2020. HNW retirees might consider forgoing this distribution for 2020 for several reasons. To begin, many HNWs do not need this distribution for lifestyle expenses and find RMDs to be a major hindrance to maintaining lower tax brackets during retirement. Furthermore, 2020 RMDs would be based on a December 31, 2019 inflated value (after a decade-long bull run in domestic markets) only to force liquidations at an inopportune time before the markets have time to recover. What if I have already taken my RMD for 2020? If a retirement account owner has already taken their distribution in 2020 and would like to return it, there are 2 options to return the distribution: They can simply send the money back if they are within the 60 days. Or, if they withdrew their RMD longer than 60 days ago, they can send the amount back to the plan if they fall under the liberal “Coronavirus-Related Distribution” requirements listed below. Under these rules, they would have 3 years from the distribution to send the check back to the plan. ![25 strategy recommendation](https://25financial.com/wp-content/uploads/2020/04/25-strategy-lightbulb.jpg "- 25 Financial") Without the RMD increasing tax brackets for 2020, HNW’s might consider Roth conversions from pre-tax accounts of a similar amount as the RMD would have been. The tax burden would be the same as taking the RMD and the conversion would be of discounted stocks that will (presumably) recover but will now grow tax-free in a Roth IRA. #### 2. Coronavirus-Related Distribution (“CVD”) from Qualified Plan All eligible participants can withdraw up to 100k per individual with no 10% penalty or (usually minimum of 20%) Federal withholding from their IRA’s and employer-sponsored retirement plans. You can spread the tax burden from this distribution evenly over 3 years (2020, 2021 and 2022) or elect to be taxed all in 2020 (perhaps if your income is lower given Covid-19 impact on your income). Alternatively, you can avoid this tax by simply repaying a retirement account within 3 years incrementally or as a lump sum. This repayment will be treated the same as a rollover between qualified accounts. In order to be eligible, an individual must have been impacted by the Coronavirus because they: Have been diagnosed with COVID-19; Have a spouse or dependent who has been diagnosed with COVID-19; Experience adverse financial consequences as a result of being quarantined, furloughed, being laid off, or having work hours reduced because of the disease; Are unable to work because they lack childcare as a result of the disease; Own a business that has closed or operate under reduced hours because of the disease; or Meet some other reason that the IRS decides to say is OK. ![25 strategy recommendation](https://25financial.com/wp-content/uploads/2020/04/25-strategy-lightbulb.jpg "- 25 Financial") 1. Eligible participants might consider withdrawing 100k from their 401k and rolling it into a rollover IRA in order to gain access to a broader range of investment options than the limited 401k options. 2. Some professionals have suggested rolling the 100k directly into a Roth IRA. Others have suggested that this will be seen as an excessive contribution (exceeding 6k annual contribution limits to Roth IRAs). Time will tell whether this strategy works. 3. Two alternative options to rolling the 100k directly to a Roth: 1. Simply convert pre-tax IRA money to a Roth and use the 100k distribution to pay the taxes on this conversion and then spread the tax payment of the 100k over 3 years. At a 50% tax bracket, 100k will cover the taxes on a 200k conversion. In addition to the reasons stated above that this is an ideal Roth conversion environment, there is also the benefit of using the full 100k now but spreading the repayment evenly over 3 years. 2. HNWs (Accredited Investors only) can use the 100k towards a tax favored alternative investment such as an oil and/or natural gas limited partnership investment with first-year Intangible Drilling Cost (“IDC”) deductions. Some alternative investment companies offer as much as 80% of the original investment as a deduction in the first year. IDC deductions are “above the line” and therefore reductions of the taxpayer’s gross income. In this case, if an accredited investor invested 100k in an oil/gas limited partnership with 80% IDC deductions, they can pull back their gross income by 80k and therefore save 32k in taxes (at a 40% tax rate) in 2020. Alternatively, they could convert 80k from a rollover IRA to a Roth and eliminate that increase in gross income by investing the 100k CVD in an oil/gas partnership that reduces his gross income by 80k in that same year. #### 3. Student Loans All Federal Student Loan payments will be suspended without the accrual of interest through September 30, 2020. The bill does not affect private loans. When a borrower refinances a federal loan with SoFi, they obtain a private loan, and are no longer a federal loan borrower. This will apply automatically but going to take a few weeks. Additionally, employers may contribute up to $5,250 to employees’ student loans tax-free to the employee through 2020. This was previously taxed as ordinary income. #### 4. Charitable Contributions There are two noteworthy changes to charitable contributions in CARES. First, taxpayers may take an above-the-line tax deduction for charitable cash contributions of up to $300 for the tax year beginning in 2020. This is obviously not a large amount of money, but since it is “above-the-line” deduction, it means that all taxpayers can deduct this amount even if they do not itemize (90% of taxpayers do not itemize but claim the standard deduction). ![25 strategy recommendation](https://25financial.com/wp-content/uploads/2020/04/25-strategy-lightbulb.jpg "- 25 Financial") For highly paid doctors in the 37% tax bracket, this is $111 tax savings. Consider gifting $300 to a favorite charity when they likely need it the most and receive about $100 back on your taxes in 2020. This provision (accidentally?) does not have a sunset provision and so therefore, as written, might be permanent. Keep your eyes open for this strategy for 2021 and beyond. Second, CARES suspends the 60% of your AGI cap for cash charitable contributions. This means you can completely wipe your income out for 2020 by giving away 100% of your income. In fact, you can give away more than your income and carry over the charitable deductions up to 5 years. #### 5. Small Business Benefits Many Physicians and other HNW business owners are looking for temporary relief. CARES act offers 2 programs: the Economic Injury Disaster Loans / Grants (EIDL) and the Payment Protection Act (PPP). Business owners may only participate in one of the two programs. The EIDL is offered exclusively through the SBA (www.SBA.gov). This is loan is up to 2M amortized over 30 years but requires collateral or a personal guarantee. The loan is for 3.75% and includes a grant of 10k within days of approval. The PPP is a unsecured and uncollateralized loan for 2.5x the average total monthly payroll (capped at $100k/person) over the last 12 months (from either March 1st or February 15 2020, borrower’s choice) with under 4% interest rate. Some CPAs claim borrowers may include officer/owner’s salary up to 100k in this calculation. Borrowers must make a good faith certification that: the loan is necessary to support the business through environment created by COVID-19 and that funds will be used to retain workers and maintain payroll or make mortgage interest payments, lease payments and utility payments. A borrower of a PPP loan is eligible for loan forgiveness for amounts spent during the 8-week period (i) rent, (ii) defined payroll costs, (iii) mortgage interest, and (iv) utilities, not to exceed the principal of the loan. The amount of the PPP loan forgiveness may be reduced if the borrower reduces the number of employees or salaries and wages (for employees with annual salaries less than $100,000) during the 8-week period following the origination of the loan. However, this reduction penalty doesn’t apply to the extent the borrower restores their workforce count and salaries/wages by June 30, 2020. Small businesses can apply April 3, 2020 and independent contractors and self-employed individuals can apply April 10, 2020. Check with your SBA approved lender or banker for more details. Additionally, small businesses can defer payroll taxes until end of 2020: Half of this deferred amount would be due on December 31, 2021 and the other half by December 31, 2022. If you have questions about CARES and how it impacts you, [contact one of our advisors.](https://25financial.com/contact/) --- *Important Information:* *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Arete Wealth Management are not tax professional. You should consult with your tax professional before taking actions which affect you tax situation.* *Securities offered through Arete Wealth Management, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through Arete Wealth Advisors, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other **Tags:** CARES Act --- ### [Good News: The LLC and Trump's Proposed Tax Plan](https://25financial.com/good-news-the-llc-and-trumps-proposed-tax-plan/) **Published:** September 20, 2018 **Author:** Randy Larson **Content:** We have all heard that “What happens in Vegas, stays in Vegas.” I often tell my clients that this is how they can understand the legal benefits of a properly structured and maintained business entity such as a Limited Liability Company (“LLC”). The LLC limits the liability of the owner(s) to the assets within the LLC. In other words, LLC’s effectively provide a “wall” that disallows a creditor of the LLC to attach the “outside” assets of the LLC’s owner(s) in a lawsuit. In this way, “What happens in an LLC, stays in an LLC.” However, for this strategy to be effective, the rules of the LLC must be followed and its form respected. Furthermore, [some states differ in the amount of protection](http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0605/Sections/0605.0503.html) [they are willing to offer single-member LLCs](http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0605/Sections/0605.0503.html)—but that is a topic for a different day. The reader will notice that I have chosen the LLC to illustrate my examples throughout this article. Given the many considerations that go into choosing the right business entity for my physician clients, the LLC is my preferred model whenever available—not all states [permit a physician to practice out of this type of structure](https://www.nhpco.org/sites/default/files/public/palliativecare/corporate-practice-of-medicine-50-state-summary.pdf). The LLC provides the asset protection, flexibility, and relatively low maintenance my clients desire [without sacrificing tax benefits corporations currently provide](https://member.wealthcounsel.com/content/course/657911727366813327). ##### ASSET PROTECTION ADVANTAGES OF A LLC To illustrate, we recently had a deck collapse and crush a tenant’s leg outside of one of our Cardiologist client’s rental properties. Fortunately for our client, his rental property is owned by his LLC. His exposure was therefore limited to only the assets owned by that LLC (i.e. equity in the rental property, small cash operating account, etc.). Likewise, the “wall” also protects the assets of the LLC from “outside” creditors. For example, a few years ago, an Anesthesiologist client hit a bicyclist in the crosswalk with his car after a long night of being on call. In this situation, the bicyclist creditor would not have been able to access the assets inside of the client’s various LLCs. The LLCs provided a wall that protected the assets inside the LLCs from the creditor arising from an outside activity. Thus, a properly structured and maintained LLC (and other business entities) provide “inside” and “outside” creditor protection. Many doctors across the country are beginning to understand the importance of establishing business entities as crucial tools to limit their liability for asset protection purposes. Doctors are using them to protect assets ranging from medical practices, including separate LLCs for their medical building and equipment, to rental properties and even certain investment accounts. These days, doctors may not only have asset protection reasons to form business entities, but compelling *tax* reasons as well. ##### TAX ADVANTAGES OF A LLC Recently, the Trump administration announced that Trump’s plan is to lower the corporate tax rates to 15% (from the current 35%). But the real news for doctors across the country is that this 15% tax rate will also apply to pass-through businesses such as LLCs and other partnerships. These businesses’ profits are “passed through” to the owners, who then pay taxes [based on the individual income rates topping out at 39.6%.](https://www.usatoday.com/story/money/2017/04/26/small-businesses-get-hefty-tax-cut-trump-plan/100941120/)Under this plan, a doctor with an LLC would not pay taxes at, say, their 35% personal tax bracket on their income, but instead pay taxes on that income at 15%. Let’s look at an example to illustrate the some of the far-reaching implications of this proposal. Our firm works with dozens of Kaiser Permanente-affiliated doctors on the West Coast. Some are paid as “W-2” employees and others retained as “1099” independent contractors. Imagine two Radiologists performing the same duties and falling within the same 28% tax bracket. One is paid a salary as an employee and the other is paid on a 1099 as an “independent contractor.” The Radiologist paid as a contractor is self-employed in the eyes of the IRS and can therefore set up an LLC in which she is the only member and manager. The benefit of creating an entity is that instead of paying taxes on her Radiologist income at the 28% bracket as an un-incorporated 1099 contractor (and like the W-2 employee must do), she will pay taxes on her doctor income at only the 15 percent bracket The potential to drop taxes from the doctor’s personal tax bracket to the flat 15% bracket would easily justify the relatively simple and comparatively inexpensive [incorporation process of contractors and private practice doctors](https://www.nytimes.com/2017/04/28/upshot/under-the-trump-tax-plan-we-might-all-want-to-become-corporations.html?_r=0). It might even justify doctor employees asking their employers to release them from their employment contracts and rehire their services through a newly-formed business entity. The employers would be all too happy to do this in many circumstances because they would be relieved of providing benefits (401(k) matches, health insurance, etc.) and paying payroll taxes and unemployment insurance. ##### LOOKING AT THE BIG PICTURE Not surprisingly, Republicans and Democrats do not agree on the economic benefits and detriments, timeline or the [likelihood that Trump’s proposal will be signed into law](https://www.nytimes.com/2017/04/25/us/politics/tax-plan-trump.html?_r=0). But if one thing is certain, it is that after November of last year, America is ready to believe anything is possible. It would behoove doctors to be prepared. Staying apprised of the ever-changing tax and legal environment and implementing an effective strategy can dramatically affect their ability to flourish in their medical practice and in life. Business entity planning has perhaps never had greater implications for doctors as it has now. Not only are there asset protection considerations, but under the Trump administration’s new proposal, there are potentially significant tax benefits as well. If the proposal (or anything like it) is signed into law, I think a more appropriate phrase will be “What happens in Vegas stays in Vegas…and while in Vegas, pay half the tax you would if you lived anywhere else.” --- *Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare private equity opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists.* ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other --- ### [Financial Market Lessons from 2020](https://25financial.com/financial-market-lessons-from-2020/) **Published:** February 11, 2021 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** How do you tell someone that you care about deeply, “I told you so?” – Michael Scott [Financial Market Lessons from 2020](https://25financial.com/wp-content/uploads/2021/02/How-do-you-tell-someone-that-you-care-about-deeply-I-told-you-so_-Michael-Scott-1.pdf) ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other --- ### [Financial Planning Basics - Risk Management](https://25financial.com/financial-planning-basics-risk-management/) **Published:** March 31, 2023 **Author:** Randy Larson **Content:** **Written By Nathan Brooks** Building a financial plan is like building a house – you start with the foundation, not the 2nd floor. Over the course of the year, we’ll be covering some basics of financial planning. These items aren’t exciting, but they need to be in place if you want to have a stable platform to build from. Our first major area is called “Risk Management” – or in other words how to “cover your arse” if something goes wrong. ## **1. Disability Insurance** In 2015 I received a call from an OBGYN client that I met while she was in Residency in Chicago. “Hi Nate, do you have a minute?” I sensed some anxiety in her voice, “Yes, of course. What’s up?” I said. “Well, um… I wanted to call you because I was just diagnosed with MS…and it is severe enough already that I am probably going to have to take some time off work. Am I covered for something like this?” I have personally received a few of these calls, and as a firm we have had this conversation dozens of times with clients. My stomach always drops, knowing that someone I care about has just had their life significantly altered. 1 in 4 Americans will be disabled for at least a year before reaching retirement age. Read that again. You are far more likely to be disabled than you are to die before retirement. For physicians, think about the mortgage you have taken out on your brain (student loans), and the time you have spent training that could have been spent making money and saving for retirement in another career. If tomorrow you woke up and could no longer do your specialty, would you be in trouble financially? If the answer is “Yes,” then you need disability insurance. It is important to go with a company that offers true “own occupation” coverage, meaning you receive the full benefit if you cannot do your specialty – even if you can earn an income doing something else. There are only 6 companies that offer this kind of coverage so make sure to read the actual definition of disability. It also helps to obtain coverage through an independent advisor rather than an insurance agent so you can shop out the best policy for you depending on your age, sex, and specialty. We can also help you lock in small, inexpensive policies while you are young and healthy and increase them later without medical underwriting again. ## **2. Life Insurance** Life insurance is a little simpler. If you are married, and/or have any children then you need life insurance. The best option right now is some inexpensive term coverage. You can obtain another policy once you go into practice that will meet your long-term needs. Do not listen to anyone trying to sell you whole life insurance. ## **3. Home, Auto and Umbrella Insurance** Just last week I had a client in Florida call me, very bewildered, and say they had been in an accident that was their fault. No one was hurt, but they were sure a lawsuit was on the way. We’ll see if this materializes, but if it does, they are prepared. Doctors are perceived to have deep pockets and are sued more than average. A simple $1,000,000 umbrella policy will cover you in incidents like these, and costs about $200 per year, so it is well worth it. While you are just starting out, you don’t need much outside of these insurances. Having these items in place ensures that your financial plan is not derailed by something you didn’t see coming. ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** BASICS, Other --- ### [What Is an HSA (Health Savings Account) and Should You Be Utilizing?](https://25financial.com/what-is-an-hsa-health-savings-account-and-should-you-be-utilizing/) **Published:** May 18, 2020 **Author:** 25 Financial **Content:** **Written by: Brad Meyers** HSA’s ([Health Savings Accounts](https://www.healthcare.gov/glossary/health-savings-account-hsa/)) were first enacted in 2003 to help reduce the employer expenses for group health benefits and also make healthcare more affordable for employees. Employee participants have flexibility of investment options for unused contributions that roll over each year as well as flexibility of withdrawals. #### How do you set one up? HSA’s require a high deductible insurance plan, specifically, $1,350 for individuals and $2,700 for families. Typically you’ll set up the insurance through your employer and once you have over $1,000 in your HSA you can open up a separate account where you can manage your investments. The contributions will come directly out of your paycheck and your employer will often contribute to your HSA annually, similar to a match on a 401k. In general, these health savings accounts are more beneficial for a healthy individual/family who will use less of the contributions on an annual basis and allow the funds to stay invested and grow. #### What is the tax benefit? An HSA has a triple tax benefit. First, the contributions (maximum of $3,550 for individuals and $7,100 for families) are deducted from your gross income. Second, once the funds are in the account, they will grow tax deferred. And third, withdrawals that are used for qualified medical expenses are tax free. The contributions remain in your account until you use them and are also portable if you change employers. Those over age 55 will be able to use a catch up contribution of $1,000. After the age of 65, participants may use any unused HSA assets for non-qualified medical expenses without penalty. You will have to pay taxes on the amount withdrawn much like a 401k. The HSA is one of the few opportunities W-2 physician employees have to reduce their taxable income. By investing $7,100 in an HSA, a family can save $2,485 in taxes assuming a 35% tax bracket. Instead of using post tax money from your checking account, you’re able to save money up front with a contribution and then on the back end when used for qualified medical expenses. #### When do I have to take distributions? Unlike IRA’s, there are no required minimum distributions (RMD’s) at age 72. However, it’s usually a good idea for you or your spouse to use the funds for qualified medical expenses during life because beneficiaries will be taxed at the fair market value of the HSA in the year of death. #### How much should I plan to save? According to a Fidelity study, a 65 year old couple retiring in 2019 can expect to spend $285,000 in healthcare and medical expenses throughout retirement. For single retirees, the health care cost estimate is $150,000 for women and $135,000 for men. If you can afford to pay out of pocket on expenses and let the invested funds grow, you have a lot more potential for compound interest to take effect. *Source: Schwab Center for Financial Research. The chart is for illustrative purposes only. Assumes $5,000 in annual after-tax contributions to a taxable account, or $6,750 in annual pre-tax contributions to a 401(k) or HSA account. $6,750 is the maximum contribution allowed for an eligible individual or any other person with family high-deductible health plan coverage combined with an HSA in 2017. The limit for self-only coverage combined with an HSA in 2017 is $3,400, so the numbers in the yellow shaded boxes would be substantially lower. Assumes annual investment growth of 6% in a diversified portfolio that is 60% stocks and 40% bonds and cash, a 15% long-term capital gains tax annually on earnings in the taxable account, a 25% tax on distributions from the 401(k) and no tax on distributions from the HSA account for qualified health care costs. In practice, you shouldn’t invest HSA funds needed to pay for two to three years of potential out-of-pocket healthcare costs. Past performance is no guarantee of future results.* #### Why is it sometimes referred to as a stealth IRA? For higher income earners, you may be phased out of taking tax deductions on IRA contributions if you make over $206,000. There are no income limitations or phase outs on deducting HSA contributions from your gross income! Higher earners should consider this strategy to pull back your taxable income. Some similarities to traditional IRA’s include taking a tax deduction up front (provided you aren’t over the income limitations) and deferring the growth until you are age 59 ½. With IRA’s you are required to take RMD’s at age 72. As mentioned, HSA’s do not require RMD’s. Furthermore, at age 65 there is no longer a hefty 20% penalty to use the funds you’ve accrued on anything you like beyond medical expenses. You’ll just be required to pay the ordinary income taxes that you would have paid with an IRA distribution, but with the idea that you’ll be saving money in taxes in your higher earning years and then taking distributions in your lower earning years in a lower tax bracket. #### Can I roll over funds from an IRA to use for medical expenses? Yes, you can only roll funds from an IRA to an HSA once during your lifetime. The maximum rollover cannot exceed the annual HSA contribution limit for that year. If you have medical expenses piling up and can’t afford to pay out of pocket, this may be a strategy to implement. However, be advised that you will be required during the “testing period” to remain in your high deductible health plan for twelve months following the transfer. Otherwise you’ll need to pay ordinary income taxes on the rollover along with a 10% penalty. Another note to mention, a rollover from a traditional IRA would be much more beneficial than a Roth IRA since you’re moving pre-tax dollars that you’ll be able to pay for qualified medical expenses tax free. If you are in high income brackets, this is a great opportunity to take advantage of a tax deduction especially for a W-2 employee because there aren’t many out there. Max the HSA up to contribution limits each year, invest the funds, & let them accrue while paying for medical expenses out of pocket in order to let the investments grow tax free. Keep a detailed account of expenses/receipts and you can reimburse at a later date after allowing your funds to grow tax free. Read more investment insights about [financial planning for physicians](https://25financial.com/financial-planning-for-physicians/) or [alternative investment funds](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/). **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Arete Wealth Management are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* *Securities offered through Arete Wealth Management, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through Arete Wealth Advisors, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/9f228ad2bc4e1d01714e6314ef95547c3cb2b45412e11160be8068ade5d884f2?s=300&d=mm&r=g) 25 Financial [See Full Bio](https://25financial.com/author/25-financial/) [ ](https://25financial.com/author/25-financial/) **Categories:** BASICS, Other **Tags:** Health Savings Account, HSA, Physician Financial Planning --- ### [Oil Futures Prices: Making Sense of Oil's Negative Price](https://25financial.com/oil-futures-prices-making-sense-of-oils-negative-price/) **Published:** April 23, 2020 **Author:** Jeff Larson **Content:** **Written by: Jeff Larson** # Oil Futures Prices: Making Sense of Oil’s Negative Price What happened with oil futures prices Monday? The front month May West Texas Intermediate (WTI) contract (which is set to expire Tuesday) was sold down below zero and at its lowest point was off appx. 299% at -$37.63/barrel before settling slightly higher. That is not a misprint! Front month prices closed negative on the day meaning holders of said contract going into Monday’s open were willing to pay another party to take the contract off their hands. Why did this happen? The short answer is stay-at-home orders around the world are directly impacting demand for crude oil. Estimates for exactly how much demand has eroded range from 15M-25M barrels per day, which translates to appx. 15-25% of daily global oil consumption. The question then becomes where do you store the excess supply? Cushion, Oklahoma is the primary storage hub in the United States and currently sits at appx. 65% of capacity and some estimates have it “topping the tanks” in the next 2-3 weeks. Point being if you’re a holder of a contract that obligated you to take delivery of X amount of crude oil in May and you no longer have a place to store it you simply hit the sell button; hence prices on the May contract collapsing Monday. [More information on Cushing storage](https://www.eia.gov/dnav/pet/hist/LeafHandler.ashx?n=PET&s=W_EPC0_SAX_YCUOK_MBBL&f=W). ETFs that track WTI contracts did not help! It is possible they exacerbated the decline. USO, GUSH, DRIP, ERY, etc. Many of these are levered ETFs that track the daily movement by 2x or 3x and simply added fuel to the fire. See link to article in Forbes article for more information – [“The U.S. Oil ETF, USO, Is The Culprit Behind Oil’s Massive Plunge”](https://www.forbes.com/sites/jimcollins/2020/04/20/the-us-oil-etf-uso-is-the-culprit-behind-oils-massive-plunge/#3247331e24e8). Of note, the WTI oil futures strip for summer prices held up relatively well Monday with June, July and August all settling in the $22-$29/barrel range. That said, with June set to become the front month contract Wednesday it’s already seeing some selling pressure Tuesday morning. [View the WTI strip](https://www.barchart.com/futures/quotes/CL*0/futures-prices) on oil futures prices. Is there an end in sight? Very simply, the market cares about one thing right now and that’s getting cars back on the road, planes back in the air, boats back on the water, etc. While supply is falling (down 700K Barrels Per Day in the U.S. in the last two weeks and rig count down nearly 200 in same period, not to mention OPEC+ finally coming to their senses) the market needs to see a bottoming to the demand destruction. When this happens is anyone’s guess but assuming other states begin to follow the likes of Texas, Georgia and others that have recently announced plans on opening their economies back up then that time is hopefully sooner rather than later. While difficult to see through the current malaise, one needs to remind themselves that oil futures prices in the $20s and $30s were not sustainable as the global oil industry simply cannot reinvest enough capital at those prices to meet the needs of a global economy that on January 1, 2020 was consuming 100M BPD. What that means for future supply/demand disruption is that there will eventually be a deficit to demand. When this happens and how prices respond is TBD. Please feel free to [reach out to your 25 advisor](https://25financial.com/get-in-touch-25/) to discuss further. One key item we look for during our due diligence in a commodity based partnership is debt. We are pleased to have access to multiple oil industry companies. **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Arete Wealth Management are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* *Securities offered through Arete Wealth Management, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through Arete Wealth Advisors, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/3ce26b189a654243b1ef63bdcf259b0db08761636bdaa0b795132d2dd26e8611?s=300&d=mm&r=g) Jeff Larson [See Full Bio](https://25financial.com/author/jeff-larson25financial-com/) [ ](https://25financial.com/author/jeff-larson25financial-com/) **Categories:** Alternatives, Other **Tags:** Alternative Investments, Oil Futures Prices --- ### [What Else Have I Missed?](https://25financial.com/what-else-have-i-missed/) **Published:** May 22, 2023 **Author:** Terry Tsue, MD FACS **Content:** **Written by: Terry Tsue, MD FACS\*** ### **What do you *see*?** One day last Fall, I parked the car in the garage and walked into the house before sunset (a rare occasion). My wife asked if I had seen the Japanese Maple in our yard. “What?” I responded. “Yeah…I think so…” Knowing what *that* meant, she told me to go look at it. Grumble…grumble… I walked out and stood in front of my house- the place we’ve lived for 27 years. I’d probably driven into this driveway six times a day for most of those. Heck, my home office is just inside those lower windows. But, somehow, I’d missed this. I fell silent, eyes wide and mouth open. I’d never *“seen”* this before. There was our Japanese Maple – tall, majestically-shaped and a pre-deciduously perfectly vivid bright red color. That impression rivaled how I feel after a perfect surgery. “Where the heck did *that* come from?” I thought. Then reality hit. This was what had grown from the Japanese maple that my now elderly father had given us as a housewarming gift. I last “saw” it when it was a sapling. Somehow, I’d missed its annual neon foliage show every fall. ![](https://25financial.com/wp-content/uploads/2023/05/Picture1.jpg) Smell the Roses After my adrenaline from the amazing Japanese maple view dissipated, I asked myself *“**What else have I missed?**”* Honestly, I could pack every non-medical-knowledge memory during my eleven years of medical school and residency into about three months of total time. Sleep deprivation, unrelenting cognitive focus, and human limitations did not allow for much real-time appreciation. I was recently serendipitously listening to a podcast where a psychologist was describing feeling hurried for a “nothing,” pulling her elementary-aged son by the hand, when he broke free to look at and smell some peak-bloom blossoms. “Mommy, these smell so good,” he said, when she reflexively retorted “We don’t have time to smell the roses!” Her words didn’t strike her until she got to her desk, where she realized that she was only rushing to organize some file folders. My encouragement to you is that we each have *time* to see and experience the opportunities around us. We just need a reminder, at times, to use it! **Money Can’t Buy the *Why*** I realized after taking my first real look at that beautiful Japanese Maple, I needed to make a shift. Throughout a very successfully busy and always advancing career, supplemented with health system executive leadership, I had been so intensely accumulating my *“What”* that I had missed this enriching experience every single year. No amount of *“What”* could replace those lost experiences. Money can buy more Japanese maples, but I still need to learn to *see* them. It’s a sad thing to realize there are undoubtedly other things I missed, and I don’t even know what they are. However, having had this Japanese Maple experience opened my eyes to the fact that these experiences are all around us. Knowing this, I am now able to *see* and experience much more and miss much less. Seeing and experiencing everyday amazing opportunities like this doesn’t have to be a sacrifice. For me, it’s been a work in progress, but guess what? I remember more about these things, these *“whys”,* than I remember the type of suture I used to close my first patient. If you’re like me in your tendency to focus on the *“what”* at the expense of the *“why”*, I encourage you to find your shift sooner than I did. It starts with acknowledging that we are irreplaceably missing some important life-impacting experiences. Someday soon, I have some ideas and lessons to share that will help you with both the *“what”* and the *“why”* in parallel. We’ll have our cake *AND* icing. But for today, let’s first learn to *see.* Talk soon. \*Terance Tsue MD FACS, as Manager of TTTsue LLC ![author avatar](https://secure.gravatar.com/avatar/4964572f93104de71ed32211ec2562992638a5fbb0938d3947480971a5876c95?s=300&d=mm&r=g) Terry Tsue, MD FACS [See Full Bio](https://25financial.com/author/terrytsue/) [ ](https://25financial.com/author/terrytsue/) **Categories:** Other --- ### [Outrun Investors with Disciplined Investing](https://25financial.com/outrun-investors-with-disciplined-investing/) **Published:** March 28, 2020 **Author:** Randy Larson **Content:** Written by: [Randy Larson](https://25financial.com/meet-team-25/#randylarson), J.D., LL.M. #### I have known a great deal of trouble in my life but most of it never happened. – Winston Churchill – Although there continues to be a tremendous amount of uncertainty in the markets and world economies, our clients have a competitive advantage over other investors during volatile markets by maintaining disciplined investing. It reminds me of the joke about fictitious “Steve” and “Mark” who were camping when a bear emerged from the woods and growled. Steve immediately started putting on his tennis shoes when Mark yelled, “What are you doing? You can’t outrun a bear!” Steve replied, “I don’t have to outrun the bear—I just have to outrun you!” ### Beat the Camper Not the Bear Similarly, our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper and investors compete against each other for the most efficient financial participation in these companies (i.e. [Shark Tank](https://abc.com/shows/shark-tank/about-the-show)). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. How? Remain diversified through disciplined investing according to your pre-determined investment plan. Do not chase or react to markets. Unfortunately, emotions war against our ability to do this. To begin, our brains are not wired for disciplined investing: ![Humans are not wired for disciplined investing](https://25financial.com/wp-content/uploads/2020/03/not-wired-for-disciplined-investing-1024x791.jpg "not wired for disciplined investing - 25 Financial") ### Emotions Drive Poor Investment Decisions This wiring, exacerbated by human emotion (of elation in bull markets and fear in bear markets) results in undisciplined and therefore detrimental investment decisions. Here are 2 common mistakes: **1. Timing the Market.** Imagine sitting through a 3-hour soccer game and missing the only goal because you were on a 10-minute bathroom break. Similarly, you can be in the stock market for decades, but missing even a few days of strong returns can drastically impact overall performance. ![Reacting to markets can hurt financial perforamance](https://25financial.com/wp-content/uploads/2020/03/reacting-can-hurt-performance-1024x791.jpg "reacting can hurt performance - 25 Financial") **2. Picking Stocks.** Although it is possible to bet on “winner” companies, it is rare that investors (and even highly-paid fund managers) can pick winners consistently over long periods of time. As you can see below, only a few equity funds have even survived let alone outperformed their benchmarks: ![The challenge is, outsmarting other investors is very difficult, a disciplined investing approach is better.](https://25financial.com/wp-content/uploads/2020/03/outsmarting-tough-1024x791.jpg "outsmarting tough - 25 Financial") ### “Outrun” Investors with Disciplined Investing On the other hand, consider the benefits of a long-term, diversified portfolio: ![Examine the benefits of portfolio diversification, which leads to disciplined investing.](https://25financial.com/wp-content/uploads/2020/03/benefits-of-diversification-1024x791.jpg "benefits of diversification - 25 Financial") ![Financial markets have historically rewarded disciplined investing](https://25financial.com/wp-content/uploads/2020/03/rewarded-discipline-1024x791.jpg "rewarded discipline - 25 Financial") Consider the latest Covid-19 downturn beginning late February 2020. Many investors sold their equity positions at major losses until the Russell 2000 was down 39% YTD and S&P 500 down 25% YTD by late March. But for every investor that sold a stock, there was an opportunistic investor on the other side of the transaction buying that same stock at a discount. This is where our clients are beating the competition. 25 clients “stay the course” buying stocks at a discount with their savings plan and/or extra cash while others stop their savings plans and/or fearfully sell at major losses. We cannot avoid the bear markets, but we can “outrun” other investors by remaining disciplined. Our recommendation: stay the course. [Contact us to learn how.](https://25financial.com/get-in-touch-25/) ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** BASICS, Other **Tags:** Disciplined Investing --- ### [25 Financial and Oasis International](https://25financial.com/25-financial-and-oasis-international/) **Published:** July 10, 2023 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** ### **Let’s Do Something** Have you ever witnessed a global tragedy but felt powerless to do anything to help? I have. It was August 26, 2021. I felt helpless and frustrated. That week, I watched humans fall out of airplane landing gear and babies dropped over fences – all attempting to flee the ruthless Taliban regime in Afghanistan. “I have to do something, but what!? I’m halfway around the world…and what can I do that the United States could not accomplish in 20 years of occupancy?” I did what I often do when I am out of answers. I turned to God. That night I sent a social media blast for an impromptu prayer night for the Afghan people, our leadership, and our troops. About 30 people showed up. We prayed for about 2 hours. It’s hard to believe what happened next. About 4 weeks later, Sarah and I vacationed to Napa Valley, CA with friends. After we arrived, we took an Uber to our hotel. To our surprise, the Uber driver was from Afghanistan with lots of friends and some family stuck in Afghanistan and in fear of their lives. We blessed him with some money for his Afghan friends and family and prayed with him before we left. “Wow! How amazing to meet our first friend from Afghanistan so soon after our prayer time,” we exclaimed. But then it happened. Coincidence turned into answered prayer. Not one…not two…not three…but all four of our Uber drivers during our visit to Napa were from Afghanistan. I’ll never forget the former U.S. translator who just arrived to the U.S. two weeks prior with his wife. She was pregnant with their fourth child. He was crying so hard as he told his story that he missed the turn to our hotel three times in a row. He pounded the shifter as he described the pain of leaving his family and friends to the merciless Taliban. Our next Uber driver was “JB” (I changed his name). We employed JB and his Afghan cousin to shuttle our group for most of our visit. His cousin was quiet and forlorn the entire week. We discovered that he was the only one from his immediate family who escaped to the U.S. JB told us many stories, often with emotion. He told stories of women hiding in closets as the Taliban burst into their house looking for new “wives;” stories of Afghan allies to the U.S. (Translators, etc…) that needed immediate evacuation to Pakistan but could not afford the $800 plane ticket. We now had names and faces for the Afghan plight. When we returned home, I kept in contact with JB. I called my friend, Mark Akers at Oasis International and explained the situation. Mark informed me that Oasis was already in contact with hundreds of families in Afghanistan and were the last stop on the “underground railroad” to St. Louis, MO. He said he was able to wire money through his Afghan liaison directly to individuals. Within days of our donations to Oasis, we received texts of hundreds of photos of the beautiful Afghan people holding the cash. We even saw videos of secretive emergency evacuations to Pakistan. The donations funded several tickets to Pakistan as well as food and supplies for hundreds of Afghans who lost their jobs due to their long-standing support of the U.S. Astonishingly, within only 3 months of our impromptu prayer night, God answered our prayers to “do something.” At 25 Financial, we are continuing to “do something.” Oasis International has a list of over 100 families that need emergency evacuation. About 1 family a week can be evacuated through the “underground railroad.” We are not even halfway through the list yet. But leaving dangerous countries is only the beginning of the challenges facing refugees. Oasis International serves refugees by teaching them English, providing furnished housing, job opportunities, food and clothing, and much more. We want to answer their call for help and invite you to join us! 25 Financial is excited to announce our upcoming joint event with Oasis International on Saturday, September 23rd, 2023. Team 25 is moving into our new home at 135 W. Adams Ave and would like to inaugurate the space with an event that reflects our Vision: To help others live life to their fullest potential. We invite our Kirkwood neighbors to stop by and welcome the 25 team to the neighborhood, as well as meet and welcome several refugee families to their new home in St. Louis. There will be food trucks, DJ Slim spinning, bouncy houses and games for the kids, and most importantly, 2 large trucks to accept donations on the lists below (please ONLY donate items on the list). All donations will go directly to families through Oasis International. Tax receipts available upon request. Our goal is to raise awareness and $100,000 for Oasis International on September 23 rd through in-kind and cash donations. 25 Financial has kicked off the fund raise by donating 2 cars, dozens of bikes and cash to families totaling $30,000. Thank you in advance and we look forward to meeting you! ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other --- ### [Life to the Fullest](https://25financial.com/life-to-the-fullest/) **Published:** April 14, 2023 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** ## **What is Life to the Fullest** Before the invention of the light bulb in 1879, people slept an average of 11 hours a night.[\[1\]](#_ftn1) We are now down to 7. Accordingly, a 1967 U.S. Senate sub-committee predicted that by 1985, the average American will work only 22 hours a week and 27 weeks per year.[\[2\]](#_ftn2) Their main concern for the future was too much leisure! Did they get it right? How are we using the “extra hour” we were given? Not well. The average American now works 4 *more* weeks per year than they did in 1979.[\[3\]](#_ftn3) The average iPhone user touches their phone 2,617 times everyday for a grand total of 2.5 hours per day.[\[4\]](#_ftn4) The average male plays 10,000 hours of video games before the age of 21.[\[5\]](#_ftn5) Every year, the average American spends 705 hours on social media and 2,737 hours watching T.V.[\[6\]](#_ftn6) Our Mission at 25 Financial is to help our clients “achieve more of both time and money.” We aspire to find the elusive 25th hour of the day for our clients. But what is the point of an extra hour in the day if we just fill it with the same excesses and worries of the first 24 hours? We have to think bigger. At 25 Financial, we have. Our Vision, is to “help our clients and team live life to its fullest potential.” But how? And where do we find this life? ## **Where to find Life to the Fullest** I found “Life to the fullest” on a dance floor. I hit rock bottom at age 19 and began counseling. My therapist asked me what brought out the compassionate side of me. I hardly understood the question. But then I recalled teaching kids Sunday School at my church as a teenager and then going on mission trips to Brazil, Africa and Costa Rica. I remembered loving the poor and vulnerable with a surge of energy that could “move mountains” during these times in my life. In College, I began visiting a local nursing home where I danced with elderly widows on Friday afternoons for happy hour. I went almost every week for 4 years before moving from California to St. Louis for Law School. It changed my life. I found life to the fullest in consistent acts of service to the poor and vulnerable, the forgotten. This blossomed into years of generously giving time and resources to charitable organizations, single moms, youth groups, inner-city kids, global poverty, the elderly, etc… What elicits compassion inside of you? Who would you bust through a wall to help? Or bring you to tears thinking about? Who is it that makes you want to give until it hurts? What allocation of time, energy and resources are you giving to these people? What if life to the fullest in your life was proportional to that allocation? ## **How do I live Life to the Fullest: Enjoy Wealth and Give Wealth** For thousands of years, ancient wisdom literature has cautioned against chasing after riches. King Solomon, the wealthiest and wisest King in recorded history cautions, “Such is the fate of all who are greedy for money; it robs them of life.”[\[7\]](#_ftn7) He continues, “Don’t wear yourself out trying to get rich. Be wise enough to know when to quit.”[\[8\]](#_ftn8) And finally, “Whoever loves money never has enough; whoever loves wealth is never satisfied with their income.”[\[9\]](#_ftn9) In a surprise twist, he advises listeners to “give freely and become more wealthy” stating that “the generous will prosper” and “those who refresh others will themselves be refreshed.”[\[10\]](#_ftn10) This is strange. Solomon suggests that if we want to exit the rat race, “be refreshed” and even become “more wealthy,” we are to be “generous” and “give freely.” Generously giving without expectation unlocks the heart to become a joyful giver. This leads to true wealth which is more than just money. He also emphasizes the importance of enjoying wealth. He advises “…that it is appropriate for a person to eat, to drink and to find satisfaction in their toilsome labor.”[\[11\]](#_ftn11) Put it all together and the richest and wisest author in history advises that *the good life is found in enjoying wealth and giving wealth*. At 25, we can testify to this. We enjoy wealth and generously give wealth. In fact, the more we give away, the less control our possessions and wealth have over our lives. The less control they have over our lives, the less responsive we are to their demands. We now come home for family dinner instead of taking “just one more meeting.” The more family dinners, date nights and community we have, the more laughter, joy and peace of mind we obtain. We pass this peace of mind to our clients by remaining emotionally healthy and clear-headed when investigating investment opportunities, caring for our client’s comprehensive needs and remaining stable in uncertain times. But the benefits of generosity do not stop with us. There are real unmet needs that require our attention. 25 Financial gives the first 20% of all profits to charity. We hope to inspire others to give their wealth to worthy causes and organizations as well. We believe this is how to live life to the fullest. We invite you to join us by participating in our upcoming events and campaigns and to continue to enjoy wealth and to generously give wealth. [\[1\]](#_ftnref1) Comer, John. “The Ruthless Elimination of Hurry,” pg. 31. In Seminary, I (Randy) was introduced to Dallas Willard, the chair of the philosophy department at the University of Southern California. He taught us that to “live life to its fullest,” we must “ruthlessly eliminate hurry” in our lives. That was 20 years ago. Willard died several years ago, but his prophetic message lives on in John Mark Comer’s recent book entitled, “The Ruthless Elimination of Hurry.” This best-seller indicts the fast-paced, excessive and hurried American culture. Comer hooks readers with several startling statistics. [\[2\]](#_ftnref2) Comer, Pg. 33. [\[3\]](#_ftnref3) Comer, Pg. 33. [\[4\]](#_ftnref4) Comer, Pg. 36. [\[5\]](#_ftnref5) Comer, Pg. 71. [\[6\]](#_ftnref6) Comer, Pg. 36. [\[7\]](#_ftnref7) Proverbs 1:19 [\[8\]](#_ftnref8) Proverbs 23:4 [\[9\]](#_ftnref9) Ecclesiastes 5:10 [\[10\]](#_ftnref10) Proverbs 11:24-25 [\[11\]](#_ftnref11) Ecclesiastes 5:18; See also, Ecc. 2:24; 3:12-13 **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Arete Wealth Management are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* *Securities offered through Arete Wealth Management, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through Arete Wealth Advisors, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other --- ### [SVB Market Perspective](https://25financial.com/svb-market-perspective/) **Published:** March 28, 2023 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** # **The Effects of Recent Banking Events – a 25 Financial Perspective** We wanted to pass along this insightful article from Vanguard related to the recent news with SVB and Signature Bank. While our confidence in the banking system remains high, it is a good time to review your bank accounts and make sure all of your cash is FDIC insured. Standard FDIC coverage limits are up to $250,000 per owner, per ownership category. For example, a married couple holding all their cash in a joint account would be covered up to $500,000. Please visit the **[FDIC Website](https://www.fdic.gov/deposit/deposits/brochures/deposit-insurance-at-a-glance-english.html)** for a full breakdown. It is generally wise to keep cash in excess of these amounts at a different FDIC insured bank so that all cash is federally insured. In your brokerage accounts, 25 Financial uses an FDIC insured cash sweep program for our investors’ cash. In addition to the below article, it may benefit you to **[read our most recent article from the 25 Financial Blog](https://25financial.com/putting-2022s-market-losses-in-perspective/)** regarding diversification related to market losses. ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other --- ### [Putting 2022’s Market Losses in Perspective](https://25financial.com/putting-2022s-market-losses-in-perspective/) **Published:** March 15, 2023 **Author:** Randy Larson **Content:** **Written by: Randy Larson, J.D., LL.M.** **2022 was a year where it seemed like nothing worked.** The mighty S&P 500, a benchmark for the US stock market and overall economy, was down 19.44%. US Corporate Bonds, typically considered a “safer” investment by many were also down nearly 15%. In a year marked by stiff economic headwinds, retirement savers paid the price. The average 401(k) balance ended 2022 down 23% from a year earlier to $103,900, according to a [new report by Fidelity Investments](https://newsroom.fidelity.com/pressreleases/fidelity--2022-retirement-analysis--in-the-midst-of-inflation-and-uncertainty--retirement-account-ba/s/095bb4a8-cf3a-484e-a911-bc0c61c460ff), the nation’s largest provider of 401(k) plans. The financial services firm handles more than 35 million retirement accounts in total. The average [individual retirement account](https://www.cnbc.com/ira/) balance also plunged 20% year over year to $104,000 in the fourth quarter of 2022. ![](https://25financial.com/wp-content/uploads/2023/03/AverageRetirementImage.jpg "AverageRetirementImage - 25 Financial") *Past performance is not indicative of future results.* A separate[ analysis from Vanguard](https://institutional.vanguard.com/insights-and-research/perspective/a-preview-of-how-america-saves-2023.html) also found that average 401(k) balances [fell 20%](https://www.cnbc.com/2023/02/17/401k-balances-dropped-20percent-in-2022-but-investors-barely-flinched.html) in 2022 to $112,572, and hardship withdrawals ticked up slightly. **Finding the roses among the thorns** Despite the significant losses felt by most investors in 2022, there were a few sectors that outperformed on a relative basis. Vanguard’s Total International Stock Market Index, which tracks ex-US public companies was down only 16%. Small caps also outperformed large caps on a relative basis, and value stocks tended to significantly outperform growth stocks. **2022 Highlights the Importance of Diversification – in Traditional and Alternative Asset Classes.** Long-term investing requires discipline and a sound financial plan in place *before* the market goes through downturns. Our clients invest in a broad range of asset classes. We aren’t trying to find the needle in the haystack, rather we invest in the haystack. Investing in small and large, value and growth, international and domestic allows in a properly weighted plan helps to mitigate the concentration risks of picking the “wrong” stocks or bonds. *![](https://25financial.com/wp-content/uploads/2023/03/Benefits-of-Diversification-copy.jpg "Benefits of Diversification copy - 25 Financial")* *Past performance is not indicative of future results.* In addition, our alternative investment offerings have returns that are uncorrelated to the public markets, which can also potentially serve as a stabilizing force in a well-diversified portfolio during years like we saw in 2022. **If there’s one thing to remember in these volatile years, it’s to not panic.** Warren Buffett recently wrote in his famous annual letter to shareholders: *“The world is full of foolish gamblers, and they will not do as well as the patient investor.”* At 25, we understand the value of patient investing. We strive to take appropriate risks that gives our clients the potential to flourish over the long run, regardless of the year-to-year behavior of the market. **Further reading on disciplined investing by founding partner Randy Larson:** ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other --- ### [Does Life Insurance Cover Death or Disability Due to Coronavirus (COVID-19)?](https://25financial.com/does-life-insurance-cover-death-or-disability-due-to-coronavirus-covid-19/) **Published:** April 3, 2020 **Author:** Randy Larson **Content:** Written by: [Randy Larson](https://25financial.com/team-member/randy-larson/), J.D., LL.M. There is a rumor circulating among physician groups that if they die or become disabled due to COVID-19, they will not be eligible for life or disability (“DI”) benefits from their respective insurance carriers. While we cannot speak to every single policy, we compiled a list of questions and answers based on the policies that 25 puts in place for our clients. As detailed below, these answers will likely apply to most life and DI policies. If you have any questions about whether your policy is covered, [contact one of our advisors today](https://25financial.com/get-in-touch-25/) and we will be happy to help. #### Will my life insurance policy pay the death benefit if I die from COVID-19? Yes, as long as your policy is in good standing (premiums are paid current and not in an over loan situation). Your policy covers your death regardless of cause. There is an additional review if your death occurs within two years from the policy being issued. Insurance companies review and confirm the information you provided at the time the application was given. #### Does my life insurance policy or disability insurance policy have a pandemic-specific exclusion? No, insurance companies evaluate COVID-19 as they would any other cause of death or medical condition. #### Do I qualify as disabled if I fall ill due to COVID-19? Disability insurance claims for COVID-19 will be evaluated the same as any other illness. As with all claims, you must satisfy the definition of disability and all other provisions outlined in the policy. #### Am I considered disabled if I am quarantined due to COVID-19? If you are under quarantine for COVID-19, you do not automatically have a disabling medical condition to satisfy the definition of disability under most policies. As with all claim submissions, the definition of disability and all other provisions outlined in the policy must be met. #### If my business or employer closes due to impacts from COVID-19, will I still have to pay premiums on my policies? Yes, if you want to continue the coverage. Your life or disability insurance policy will remain in force if you continue paying the required premiums and any required loan payments, subject to the terms of the policy. #### What happens to my insurance policy if the insurance company becomes insolvent? The life insurance industry is highly regulated at the state level with consumer protection as the number 1 priority. State insurance regulators are responsible for monitoring the financial health of the insurance companies that are licensed to do business within their respective states. If an insurance company fails, the state’s guarantee fund will activate to protect policy holders. If possible, the guarantee fund will try to find a stable insurance company to take over the existing policies. If they are unable to find a stable company to take over the policies then the state guarantee fund will take over the insurance policy. In this scenario, the insurance coverage will be subject to limitations set by each respective state. #### How do I know if my insurance company is healthy and financially stable? It is important to review the financial ratings of your insurance company. A.M. Best, for example, is a financial rating organization that provides consumers with a reliable way to check the financial stability of their insurance company. #### What is my insurance company rated and what does that mean? A.M. Best defines an insurance company with an A+ rating as Superior. This rating is assigned to companies that have, in their opinion, a superior ability to meet their ongoing obligations to policy holders. [Search A.M. Best ratings.](http://www.ambest.com/home/default.aspx) #### Is my company A+ rated? Here is a list of a few A+ rated insurance companies: Lincoln National John Hancock Nationwide Prudential Principal Protective **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Arete Wealth Management are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* *Securities offered through Arete Wealth Management, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through Arete Wealth Advisors, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/80debaf96323e03087cbe821dafb122f413b663c187cdbd2177644cd7395f831?s=300&d=mm&r=g) Randy Larson Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. Randy is a Missouri-licensed attorney who founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. [See Full Bio](https://25financial.com/author/randy-larson/) [ ](https://25financial.com/author/randy-larson/) **Categories:** Other **Tags:** Coronavirus, COVID-19, disability insurance, life insurance --- ### [Federal Housing Finance Agency Imposing Refinancing Fee on Physician Mortgage Loans](https://25financial.com/federal-housing-finance-agency-imposing-refinancing-fee-on-physician-mortgage-loans/) **Published:** October 21, 2020 **Author:** 25 Financial **Content:** **Written by: Brad Meyers** The [Federal Housing Finance Agency](https://www.fhfa.gov/) announced they will begin imposing a 0.5% refinancing fee beginning on December 1st, 2020 on physician mortgage loans and other mortgage loans. Initially this fee was supposed to begin on September 1st, 2020 but was delayed due to Covid-19 hardships. New home purchases will not be affected by this since refinances are seen as riskier to banks because they’re assessed on appraisals, not actual home values. This new fee will only apply to Freddie Mac and Fannie Mae loans, which account for about 70% of the market. Furthermore, the latest data shows that around 64% of physician mortgage loan applications are refinances according to data from the Mortgage Bankers Association. This is not the first time this has happened if you recall 2008 when they imposed a similar 0.5% fee. According to Fannie Mae, this helps mitigate the risk they believe they’re taking due to Covid-19 “Market and economic uncertainty resulting in higher risk and costs incurred by Fannie Mae.” Freddie Mac calls their new program the Market Condition Credit Fee that was implemented “as a result of risk management and loss forecasting precipitated by Covid-19 related economic and market uncertainty.” The Federal Housing Finance Agency is forecasting a loss of around 6 billion due to default/forbearance so you can see why this fee is being implemented. While most mortgages take around 30-45 days to close, some banks will allow you to lock in the rate as long as you do that before December 1st, 2020. One caveat regarding the fee: this does not apply to any mortgage under the amount of 125k. The average consumer should plan to spend around $1,400 more due to the refinancing fee and could potentially be significant especially in states with higher property values. If you were already considering refinancing your physician mortgage loan, this may be a good opportunity to start today and get the process going. If you have any questions, [contact a 25 advisor](https://25financial.com/get-in-touch-25/). **Important Information:** *Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purposes of making an investment decision or otherwise. 25 and Arete Wealth Management are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* *Securities offered through Arete Wealth Management, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through Arete Wealth Advisors, LLC, an SEC Registered Investment Advisor.* ![author avatar](https://secure.gravatar.com/avatar/9f228ad2bc4e1d01714e6314ef95547c3cb2b45412e11160be8068ade5d884f2?s=300&d=mm&r=g) 25 Financial [See Full Bio](https://25financial.com/author/25-financial/) [ ](https://25financial.com/author/25-financial/) **Categories:** Other **Tags:** Physician Financial Planning, Physician Loans, Physician Mortgage Loans --- ### [Avoiding Election Year Financial Worry](https://25financial.com/avoiding-election-year-financial-worry/) **Published:** April 11, 2024 **Author:** Pavin White **Content:** **Historically, it has not mattered.** “It’s natural for investors to look for a connection between who wins the White House and which way stocks will go. But regardless of who wins, nearly a century of returns shows that stocks have trended upward.” 1 The same principles we have focused on when building our investing models apply, you cannot consistently out-predict the market. It is not a winning game to try. “Shareholders are investing in companies, not a political party. And companies focus on serving their customers and helping their businesses grow, regardless of who is in the White House.” 2 There are plenty of things to lose sleep over in the world in 2024, but the impacts of the election on your portfolio is not one of them. ![](https://25financial.com/wp-content/uploads/2024/04/Picture1.png "Picture1 - 25 Financial")*Vanguard 3* References 1 “The Market and US Presidential Elections.” Dimensional, 2024. ![](https://25financial.com/wp-content/uploads/2024/04/Picture2.png "Picture2 - 25 Financial")2 “Presidential Elections: What Do They Mean for Markets?” 28 Oct. 2020. 3 “Presidential Elections Matter but Not so Much When It Comes to Your Investments.” Vanguard, 26 Oct. 2023, [investor.vanguard.com/investor-resources-education/article/presidential-elections-matter-but-not-so-much-when-it-comes-to-your-investments](http://investor.vanguard.com/investor-resources-education/article/presidential-elections-matter-but-not-so-much-when-it-comes-to-your-investments). ![author avatar](https://secure.gravatar.com/avatar/8bf449a5ceea55d4bb0a785fc3826d8fdaa4ab2f2dfcafb2dca2ea137ce71571?s=300&d=mm&r=g) Pavin White [See Full Bio](https://25financial.com/author/pavin_white/) [ ](https://25financial.com/author/pavin_white/) **Categories:** Other **Tags:** Election Year, Market Volatility --- ## Pages ### [Home](https://25financial.com/) **Published:** December 21, 2023 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/09/25F_-12-edited-3-2048x1152-1.webp) ## Our Values Character It matters. It’s our mission to earn and keep your trust, operating as fiduciaries with the highest degree of honesty, integrity, and transparency. Stewardship You’ve worked hard for what you have, and we’re here as partners to help you make the most of every dollar, hour, and opportunity. Momentum We deliver results. We help clarify your goals and then execute your plan with rigor, progress, and accountability. # Financial Planning for Physicians and More #### 25 Financial is a private wealth management firm providing financial planning for physicians, business owners, entrepreneurs, and other high-net-worth accredited investors. Our wealth advisors stand for integrity, experience, and over-the-top service, understanding what it takes to help our clients achieve more of both time and money. Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. ## Comprehensive Financial Plans ##### Put your financial plan into action by utilizing experts in a variety of fields: **Insurance Review and Planning**: Tailored solutions to protect personal and professional assets under management. **Debt Management Strategies**: Effective plans to manage and reduce liabilities. **Employee Benefits Planning and Analysis**: Optimizing employee benefits packages. **Investment Management and Planning**: Developing diversified investment banking portfolios. **Proactive Tax Strategies**: Implementing tax-efficient strategies. **College, Retirement, and Legacy Planning**: Comprehensive plans for savings and wealth transfer. **Estate and Asset Protection Planning**: Protecting assets from potential claims and ensuring smooth wealth transfer. #### [Learn more about our professional financial services or view our SEC profile.](https://25financial.com/wealth-management-services/) [ Connect with us now to learn more ](https://25financial.com/contact/) #### Top Articles From Our Team #### Top Articles From Our Team ### What Our Clients Say ### Wealth Management Firm For Physicians Wealth management for physicians is unlike financial planning for the general public. Physicians graduate with substantial student loan debt, begin retirement planning later in their financial life, have shorter time horizons to reach their much larger-than-average retirement income goals, and are frequent targets for lawsuits and higher taxes throughout their careers. As our fiduciary duty promises, we take the responsibility of wealth management for doctors very seriously. We believe any financial decision must be thoroughly-researched, solidly-outlined, and always in the physician’s best interest. ### Comprehensive Wealth Management Wealth management services include various components such as insurance, taxes, retirement planning, employer benefits, investment advice, trust services, brokerage services, employment contracts, mortgage planning, asset management/asset allocation, estate planning, and portfolio management. We are a one-stop resource for our clients, ensuring that nothing is missed. ### Alternative Investments We believe in the benefit of including alternative investment opportunities that can bring the kind of returns that drive out-performance. To evaluate opportunities, our investment advisers use an extensive due diligence model, adapted from some of the top private equity firms in the industry. Our creative and carefully-vetted partnerships bring a range of opportunities to our clients. ### Financial Insights If you are a physician or ultra-high-net-worth individual and you have questions about alternative investments, tax planning, and other investment strategies to grow wealth— find financial planning answers here. ### Your Wealth, Our Expertise: Why Work With Our Financial Advisors? ### Expertise in Healthcare and High-Income Professions Our wealth management team understands the unique financial landscape of healthcare professionals. We provide personalized financial advice and investment strategies that align with your career stage and financial goals. ### Customized Financial Planning At 25 Financial, we offer personalized financial plans that are comprehensive and unbiased. Whether you are looking to invest in fixed income, private banking, or other investment advisory services, our advisors tailor strategies to suit your risk tolerance, liquidity needs, and long-term objectives. ### Access to Exclusive Investment Opportunities Our advisors have built a private wealth planning firm that allows clients access to investments that can’t be found anywhere else. Over the years, they have established strong relationships with the principles of these private alternative investment funds, including high-yield opportunities like real estate syndications and private practice investments. ### Tax-Efficient Investment Strategies Navigating the complexities of income tax and finding tax-efficient investment options are crucial for high-income professionals. Our advisors work with CPAs to implement strategies that minimize your taxable income stream and maximize tax deductions, ensuring your investments grow in the most efficient manner possible. ### Investment Risk Management The stock market can be volatile, but our registered investment advisors are here to guide you through uncertain times. We help you develop a robust strategy that includes a mix of asset classes to reduce risk and enhance stability, ensuring your portfolio remains resilient through market fluctuations. ## Achieve MORE With 25 Financial **Invest more so that you have the confidence to enjoy more.** **More results. More life. More of your 24 hours. Actually, let’s make it 25.** Contact 25 Financial today to learn about our professional financial services or view our SEC profile. [ Schedule a Consultation ](https://25financial.com/contact/) --- ### [Blog](https://25financial.com/blog/) **Published:** June 6, 2024 **Author:** Pavin White **Content:** ## INSIGHTS TO KEEP YOU ### [ Top Articles ](#Important) [ New Releases ](#New) [ Insights for Physicians ](#Insights) [ About Alternative Assets ](#Alternatives) [ Tax Focused Insights ](#Taxes) [ Financial Planning Basics ](#Planning) [ 25 Financial Compared ](#Unique) ![](https://25financial.com/wp-content/uploads/2026/01/Partners-1-Edited-2-650x650.jpg "Partners 1 - Edited (2) - 25 Financial - 25 Financial") # WELCOME TO THE 25 FINANCIAL BLOG As a team, we will strive to provide relevant insight to assist you as you invest more and do more with your life. The world of wealth management and finance is constantly evolving, so we aim to make it easy for our clients to stay up-to-date on the latest changes. We are honored to offer our experience and knowledge of the wealth management field to better equip and inform your investment decisions. ## Our Latest Article [![Brand collage: left side shows '25 Investing more' logo on dark blue; right side shows LPL Financial wordmark with graphic mark on white background, side-by-side corporate logos.](https://25financial.com/wp-content/uploads/2026/07/LPL-Financial-Advisors-Blog-Cover-Image-300x169.png "LPL Financial Advisors - Blog Cover Image - 25 Financial - 25 Financial") ](https://25financial.com/lpl-financial-advisors-vs-competitors/) [ Read More » ](https://25financial.com/lpl-financial-advisors-vs-competitors/) # Top Articles [ ![](https://25financial.com/wp-content/uploads/2025/10/How-to-Invest-in-Oil-and-Gas.png "How to Invest in Oil and Gas - 25 Financial - 25 Financial") ](https://25financial.com/how-to-invest-in-oil-and-gas/) [ How to Invest in Oil and Gas ](https://25financial.com/how-to-invest-in-oil-and-gas/) ## [ How to Invest in Oil and Gas ](https://25financial.com/how-to-invest-in-oil-and-gas/) • October 15, 2025 [ ![](https://25financial.com/wp-content/uploads/2020/04/4-Reasons-Physicians.png "4 Reasons Physicians - 25 Financial - 25 Financial") ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ 4 Reasons Physicians And High Net Worth Investors Should Consider Alternative Investment Funds in Their Portfolio ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) ## [ 4 Reasons Physicians And High Net Worth Investors Should Consider Alternative Investment Funds in Their Portfolio ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) • April 23, 2020 [ ![](https://25financial.com/wp-content/uploads/2020/04/5-Factors-Physicians.png "5 Factors Physicians - 25 Financial - 25 Financial") ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) [ 5 Factors Physicians and Other High Net Worth Investors Should Consider Before Investing in Alternative Investments ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ## [ 5 Factors Physicians and Other High Net Worth Investors Should Consider Before Investing in Alternative Investments ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) • April 13, 2020 # Newest Releases [ ![](https://25financial.com/wp-content/uploads/2025/11/401k-v-403b-v-457-Cover.png "401k v 403b v 457 Cover - 25 Financial - 25 Financial") ](https://25financial.com/401k-vs-403b-vs-457/) [ 401k vs 403b vs 457 ](https://25financial.com/401k-vs-403b-vs-457/) ## [ 401k vs 403b vs 457 ](https://25financial.com/401k-vs-403b-vs-457/) • December 1, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Lower-Your-Taxable-Income-Cover.png "Lower Your Taxable Income Cover - 25 Financial - 25 Financial") ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) [ Strategies to Effectively Lower Your Taxable Income ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) ## [ Strategies to Effectively Lower Your Taxable Income ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) • December 1, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Why-Gambling-in-the-Market-Hurts.png "Why Gambling in the Market Hurts - 25 Financial - 25 Financial") ](https://25financial.com/why-gambling-in-the-market-hurts/) [ Why Gambling in the Market Hurts ](https://25financial.com/why-gambling-in-the-market-hurts/) ## [ Why Gambling in the Market Hurts ](https://25financial.com/why-gambling-in-the-market-hurts/) • November 6, 2025 # Physicians Focused Insights ![](https://25financial.com/wp-content/uploads/2026/03/The-Physicians-Complete-Guide-to-Medical-School-Loans.png "The Physician's Complete Guide to Medical School Loans - 25 Financial - 25 Financial") [ The Physician’s Complete Guide to Medical School Loans ](https://25financial.com/the-physicians-complete-guide-to-medical-school-loans/) ## [ The Physician’s Complete Guide to Medical School Loans ](https://25financial.com/the-physicians-complete-guide-to-medical-school-loans/) • March 26, 2026 ![](https://25financial.com/wp-content/uploads/2026/03/Discover-High-Touch-Wealth-Management-That-Operates-on-a-Surgeons-Schedule_-A-New-Approach-for-Medical-Professionals.png "Discover High-Touch Wealth Management That Operates on a Surgeon's Schedule_ A New Approach for Medical Professionals - 25 Financial - 25 Financial") [ Discover High-Touch Wealth Management That Operates on a Surgeon’s Schedule: A New Approach for Medical Professionals ](https://25financial.com/discover-high-touch-wealth-management-that-operates-on-a-surgeons-schedule-a-new-approach-for-medical-professionals/) ## [ Discover High-Touch Wealth Management That Operates on a Surgeon’s Schedule: A New Approach for Medical Professionals ](https://25financial.com/discover-high-touch-wealth-management-that-operates-on-a-surgeons-schedule-a-new-approach-for-medical-professionals/) • March 26, 2026 ![](https://25financial.com/wp-content/uploads/2026/03/Common-Tax-Mistakes-Made-by-Doctors.png "Common Tax Mistakes Made by Doctors - 25 Financial - 25 Financial") [ Common Tax Mistakes Made by Doctors ](https://25financial.com/common-tax-mistakes-made-by-doctors/) ## [ Common Tax Mistakes Made by Doctors ](https://25financial.com/common-tax-mistakes-made-by-doctors/) • March 26, 2026 ![](https://25financial.com/wp-content/uploads/2026/03/Tax-Deductions-Every-Doctor-Should-Know.png "Tax Deductions Every Doctor Should Know - 25 Financial - 25 Financial") [ Tax Deductions Every Doctor Should Know ](https://25financial.com/tax-deductions-every-doctor-should-know/) ## [ Tax Deductions Every Doctor Should Know ](https://25financial.com/tax-deductions-every-doctor-should-know/) • March 26, 2026 ![](https://25financial.com/wp-content/uploads/2026/03/Break-The-Golden-Handcuffs-On-Your-Hospital-Salary.png "Break The Golden Handcuffs On Your Hospital Salary - 25 Financial - 25 Financial") [ Break The Golden Handcuffs On Your Hospital Salary ](https://25financial.com/break-the-golden-handcuffs-on-your-hospital-salary/) ## [ Break The Golden Handcuffs On Your Hospital Salary ](https://25financial.com/break-the-golden-handcuffs-on-your-hospital-salary/) • March 26, 2026 ![](https://25financial.com/wp-content/uploads/2025/11/Physician-Loan-Programs-Cover.png "Physician Loan Programs Cover - 25 Financial - 25 Financial") [ Benefits of Physician Loan Programs Explained ](https://25financial.com/benefits-of-physician-loan-programs-explained/) ## [ Benefits of Physician Loan Programs Explained ](https://25financial.com/benefits-of-physician-loan-programs-explained/) • November 25, 2025 ![](https://25financial.com/wp-content/uploads/2025/08/Financial-Planning-for-Doctors.png "Financial Planning for Doctors - 25 Financial - 25 Financial") [ Financial Planning for Doctors: A Complete Guide to Building Long-Term Wealth ](https://25financial.com/financial-planning-for-doctors-a-complete-guide-to-building-long-term-wealth/) ## [ Financial Planning for Doctors: A Complete Guide to Building Long-Term Wealth ](https://25financial.com/financial-planning-for-doctors-a-complete-guide-to-building-long-term-wealth/) • August 27, 2025 ![](https://25financial.com/wp-content/uploads/2025/08/Real-Estate-Investing-for-Physicians-1.png "Real Estate Investing for Physicians (1) - 25 Financial - 25 Financial") [ Real Estate Investing for Physicians ](https://25financial.com/real-estate-investing-for-physicians/) ## [ Real Estate Investing for Physicians ](https://25financial.com/real-estate-investing-for-physicians/) • August 6, 2025 # Learn More About Alternative Investments [ ![](https://25financial.com/wp-content/uploads/2026/03/Alternative-Investments-for-High-Net-Worth-Individuals.png "Alternative Investments for High Net Worth Individuals - 25 Financial - 25 Financial") ](https://25financial.com/alternative-investments-for-high-net-worth-individuals/) [ Alternative Investments for High Net Worth Individuals ](https://25financial.com/alternative-investments-for-high-net-worth-individuals/) ## [ Alternative Investments for High Net Worth Individuals ](https://25financial.com/alternative-investments-for-high-net-worth-individuals/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2025/11/Lower-Your-Taxable-Income-Cover.png "Lower Your Taxable Income Cover - 25 Financial - 25 Financial") ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) [ Strategies to Effectively Lower Your Taxable Income ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) ## [ Strategies to Effectively Lower Your Taxable Income ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) • December 1, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Backdoor-Roth-IRAs-Cover.png "Backdoor Roth IRAs Cover - 25 Financial - 25 Financial") ](https://25financial.com/what-are-the-best-resources-to-learn-about-backdoor-roth-iras/) [ What are the best resources to learn about backdoor Roth IRAs? ](https://25financial.com/what-are-the-best-resources-to-learn-about-backdoor-roth-iras/) ## [ What are the best resources to learn about backdoor Roth IRAs? ](https://25financial.com/what-are-the-best-resources-to-learn-about-backdoor-roth-iras/) • December 1, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Alternatives-Access-Cover.png "Alternatives Access Cover - 25 Financial - 25 Financial") ](https://25financial.com/alternatives-access/) [ Alternatives Access: Institutional-Grade Opportunities With Discipline ](https://25financial.com/alternatives-access/) ## [ Alternatives Access: Institutional-Grade Opportunities With Discipline ](https://25financial.com/alternatives-access/) • November 20, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Due-Diligence-Framework-Cover.png "Due Diligence Framework Cover - 25 Financial - 25 Financial") ](https://25financial.com/due-diligence-framework/) [ Due Diligence Framework for Private Equity & Real Estate Syndications ](https://25financial.com/due-diligence-framework/) ## [ Due Diligence Framework for Private Equity & Real Estate Syndications ](https://25financial.com/due-diligence-framework/) • November 20, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/10/How-to-Invest-in-Oil-and-Gas.png "How to Invest in Oil and Gas - 25 Financial - 25 Financial") ](https://25financial.com/how-to-invest-in-oil-and-gas/) [ How to Invest in Oil and Gas ](https://25financial.com/how-to-invest-in-oil-and-gas/) ## [ How to Invest in Oil and Gas ](https://25financial.com/how-to-invest-in-oil-and-gas/) • October 15, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/08/Real-Estate-Investing-for-Physicians-1.png "Real Estate Investing for Physicians (1) - 25 Financial - 25 Financial") ](https://25financial.com/real-estate-investing-for-physicians/) [ Real Estate Investing for Physicians ](https://25financial.com/real-estate-investing-for-physicians/) ## [ Real Estate Investing for Physicians ](https://25financial.com/real-estate-investing-for-physicians/) • August 6, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/01/What-is-a-1031-Exchange-in-Real-Estate.png "What is a 1031 Exchange in Real Estate - 25 Financial - 25 Financial") ](https://25financial.com/what-is-a-1031-exchange-in-real-estate/) [ What is a 1031 Exchange in Real Estate? ](https://25financial.com/what-is-a-1031-exchange-in-real-estate/) ## [ What is a 1031 Exchange in Real Estate? ](https://25financial.com/what-is-a-1031-exchange-in-real-estate/) • January 3, 2025 # Tax-Conscious Insights [ ![](https://25financial.com/wp-content/uploads/2026/03/Common-Tax-Mistakes-Made-by-Doctors.png "Common Tax Mistakes Made by Doctors - 25 Financial - 25 Financial") ](https://25financial.com/common-tax-mistakes-made-by-doctors/) [ Common Tax Mistakes Made by Doctors ](https://25financial.com/common-tax-mistakes-made-by-doctors/) ## [ Common Tax Mistakes Made by Doctors ](https://25financial.com/common-tax-mistakes-made-by-doctors/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2026/03/Tax-Deductions-Every-Doctor-Should-Know.png "Tax Deductions Every Doctor Should Know - 25 Financial - 25 Financial") ](https://25financial.com/tax-deductions-every-doctor-should-know/) [ Tax Deductions Every Doctor Should Know ](https://25financial.com/tax-deductions-every-doctor-should-know/) ## [ Tax Deductions Every Doctor Should Know ](https://25financial.com/tax-deductions-every-doctor-should-know/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2025/11/Lower-Your-Taxable-Income-Cover.png "Lower Your Taxable Income Cover - 25 Financial - 25 Financial") ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) [ Strategies to Effectively Lower Your Taxable Income ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) ## [ Strategies to Effectively Lower Your Taxable Income ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) • December 1, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Tax-Efficient-Portfolio-Management-Cover.png "Tax-Efficient Portfolio Management Cover - 25 Financial - 25 Financial") ](https://25financial.com/tax-efficient-portfolio-management/) [ Tax-Efficient Portfolio Management: Keeping More of What You Earn ](https://25financial.com/tax-efficient-portfolio-management/) ## [ Tax-Efficient Portfolio Management: Keeping More of What You Earn ](https://25financial.com/tax-efficient-portfolio-management/) • November 20, 2025 [ ![](https://25financial.com/wp-content/uploads/2024/06/Tax-Mitigation-Strategies-for-Doctors.png "Tax Mitigation Strategies for Doctors - 25 Financial - 25 Financial") ](https://25financial.com/tax-mitigation-strategies/) [ Tax Mitigation Strategies for Doctors ](https://25financial.com/tax-mitigation-strategies/) ## [ Tax Mitigation Strategies for Doctors ](https://25financial.com/tax-mitigation-strategies/) • June 5, 2024 # Financial Planning Basics [ ![](https://25financial.com/wp-content/uploads/2025/11/401k-v-403b-v-457-Cover.png "401k v 403b v 457 Cover - 25 Financial - 25 Financial") ](https://25financial.com/401k-vs-403b-vs-457/) [ 401k vs 403b vs 457 ](https://25financial.com/401k-vs-403b-vs-457/) ## [ 401k vs 403b vs 457 ](https://25financial.com/401k-vs-403b-vs-457/) • December 1, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/401k-Contribution-Limits-and-Retirement-Planning-Cover.png "401k Contribution Limits and Retirement Planning Cover - 25 Financial - 25 Financial") ](https://25financial.com/401k-contribution-limits/) [ 401k Contribution Limits and Retirement Planning ](https://25financial.com/401k-contribution-limits/) ## [ 401k Contribution Limits and Retirement Planning ](https://25financial.com/401k-contribution-limits/) • November 20, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Fiduciary-Duty-Cover.png "Fiduciary Duty Cover - 25 Financial - 25 Financial") ](https://25financial.com/fiduciary-duty/) [ Fiduciary Duty: Putting Your Interests First ](https://25financial.com/fiduciary-duty/) ## [ Fiduciary Duty: Putting Your Interests First ](https://25financial.com/fiduciary-duty/) • November 20, 2025 [ ![](https://25financial.com/wp-content/uploads/2024/07/Donor-Advised-Fund.png "Donor Advised Fund - 25 Financial - 25 Financial") ](https://25financial.com/donor-advised-fund/) [ What is a Donor Advised Fund? ](https://25financial.com/donor-advised-fund/) ## [ What is a Donor Advised Fund? ](https://25financial.com/donor-advised-fund/) • July 8, 2024 # Why 25 Financial? [ ![Brand collage: left side shows '25 Investing more' logo on dark blue; right side shows LPL Financial wordmark with graphic mark on white background, side-by-side corporate logos.](https://25financial.com/wp-content/uploads/2026/07/LPL-Financial-Advisors-Blog-Cover-Image.png "LPL Financial Advisors - Blog Cover Image - 25 Financial - 25 Financial") ](https://25financial.com/lpl-financial-advisors-vs-competitors/) [ LPL Financial Advisors vs Competitors ](https://25financial.com/lpl-financial-advisors-vs-competitors/) ## [ LPL Financial Advisors vs Competitors ](https://25financial.com/lpl-financial-advisors-vs-competitors/) • July 31, 2026 [ ![Logo collage featuring '25 Investing more' on a dark blue background beside Wells Fargo Advisors red-and-gold blocks, indicating a partnership.](https://25financial.com/wp-content/uploads/2026/07/Wells-Fargo-Advisors-Blog-Cover-Image.png "Wells Fargo Advisors - Blog Cover Image - 25 Financial - 25 Financial") ](https://25financial.com/wells-fargo-advisors-vs-competitors/) [ Wells Fargo Advisors vs. Competitors ](https://25financial.com/wells-fargo-advisors-vs-competitors/) ## [ Wells Fargo Advisors vs. Competitors ](https://25financial.com/wells-fargo-advisors-vs-competitors/) • July 28, 2026 [ ![Split-screen logos: left dark blue with '25' and arrows and the slogan 'Investing more,' right light gray with the UBS crest and red 'UBS' text.](https://25financial.com/wp-content/uploads/2026/07/UBS-Advisors-Blog-Cover-Image.png "UBS Advisors - Blog Cover Image - 25 Financial - 25 Financial") ](https://25financial.com/ubs-wealth-management-vs-competitors/) [ UBS Wealth Management vs Competitors ](https://25financial.com/ubs-wealth-management-vs-competitors/) ## [ UBS Wealth Management vs Competitors ](https://25financial.com/ubs-wealth-management-vs-competitors/) • July 28, 2026 [ ![Brand partnership banner: left shows the '25' logo with 'Investing more.' beneath; right shows the 'RAYMOND JAMES' logo on a light gray background with a dark blue serif font.](https://25financial.com/wp-content/uploads/2026/07/Raymond-James-Advisors-Blog-Cover-Image.png "Raymond James Advisors - Blog Cover Image - 25 Financial - 25 Financial") ](https://25financial.com/raymond-james-vs-competitors/) [ Raymond James vs Competitors ](https://25financial.com/raymond-james-vs-competitors/) ## [ Raymond James vs Competitors ](https://25financial.com/raymond-james-vs-competitors/) • July 28, 2026 # All Articles [ ![](https://25financial.com/wp-content/uploads/2026/03/The-Physicians-Complete-Guide-to-Medical-School-Loans.png "The Physician's Complete Guide to Medical School Loans - 25 Financial - 25 Financial") ](https://25financial.com/the-physicians-complete-guide-to-medical-school-loans/) [ The Physician’s Complete Guide to Medical School Loans ](https://25financial.com/the-physicians-complete-guide-to-medical-school-loans/) ## [ The Physician’s Complete Guide to Medical School Loans ](https://25financial.com/the-physicians-complete-guide-to-medical-school-loans/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2026/03/Discover-High-Touch-Wealth-Management-That-Operates-on-a-Surgeons-Schedule_-A-New-Approach-for-Medical-Professionals.png "Discover High-Touch Wealth Management That Operates on a Surgeon's Schedule_ A New Approach for Medical Professionals - 25 Financial - 25 Financial") ](https://25financial.com/discover-high-touch-wealth-management-that-operates-on-a-surgeons-schedule-a-new-approach-for-medical-professionals/) [ Discover High-Touch Wealth Management That Operates on a Surgeon’s Schedule: A New Approach for Medical Professionals ](https://25financial.com/discover-high-touch-wealth-management-that-operates-on-a-surgeons-schedule-a-new-approach-for-medical-professionals/) ## [ Discover High-Touch Wealth Management That Operates on a Surgeon’s Schedule: A New Approach for Medical Professionals ](https://25financial.com/discover-high-touch-wealth-management-that-operates-on-a-surgeons-schedule-a-new-approach-for-medical-professionals/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2026/03/Common-Tax-Mistakes-Made-by-Doctors.png "Common Tax Mistakes Made by Doctors - 25 Financial - 25 Financial") ](https://25financial.com/common-tax-mistakes-made-by-doctors/) [ Common Tax Mistakes Made by Doctors ](https://25financial.com/common-tax-mistakes-made-by-doctors/) ## [ Common Tax Mistakes Made by Doctors ](https://25financial.com/common-tax-mistakes-made-by-doctors/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2026/03/Alternative-Investments-for-High-Net-Worth-Individuals.png "Alternative Investments for High Net Worth Individuals - 25 Financial - 25 Financial") ](https://25financial.com/alternative-investments-for-high-net-worth-individuals/) [ Alternative Investments for High Net Worth Individuals ](https://25financial.com/alternative-investments-for-high-net-worth-individuals/) ## [ Alternative Investments for High Net Worth Individuals ](https://25financial.com/alternative-investments-for-high-net-worth-individuals/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2026/03/Tax-Deductions-Every-Doctor-Should-Know.png "Tax Deductions Every Doctor Should Know - 25 Financial - 25 Financial") ](https://25financial.com/tax-deductions-every-doctor-should-know/) [ Tax Deductions Every Doctor Should Know ](https://25financial.com/tax-deductions-every-doctor-should-know/) ## [ Tax Deductions Every Doctor Should Know ](https://25financial.com/tax-deductions-every-doctor-should-know/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2026/03/Choosing-the-Right-Wealth-Management-Firm.png "Choosing the Right Wealth Management Firm - 25 Financial - 25 Financial") ](https://25financial.com/choosing-the-right-wealth-management-firm/) [ Choosing the Right Wealth Management Firm ](https://25financial.com/choosing-the-right-wealth-management-firm/) ## [ Choosing the Right Wealth Management Firm ](https://25financial.com/choosing-the-right-wealth-management-firm/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2026/03/Strategies-for-Managing-a-Maxed-Out-401k.png "Strategies for Managing a Maxed Out 401k - 25 Financial - 25 Financial") ](https://25financial.com/strategies-for-managing-a-maxed-out-401k/) [ Strategies for Managing a Maxed Out 401k ](https://25financial.com/strategies-for-managing-a-maxed-out-401k/) ## [ Strategies for Managing a Maxed Out 401k ](https://25financial.com/strategies-for-managing-a-maxed-out-401k/) • March 26, 2026 [ ![](https://25financial.com/wp-content/uploads/2026/03/Break-The-Golden-Handcuffs-On-Your-Hospital-Salary.png "Break The Golden Handcuffs On Your Hospital Salary - 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25 Financial") ](https://25financial.com/401k-vs-403b-vs-457/) [ 401k vs 403b vs 457 ](https://25financial.com/401k-vs-403b-vs-457/) ## [ 401k vs 403b vs 457 ](https://25financial.com/401k-vs-403b-vs-457/) • December 1, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Lower-Your-Taxable-Income-Cover.png "Lower Your Taxable Income Cover - 25 Financial - 25 Financial") ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) [ Strategies to Effectively Lower Your Taxable Income ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) ## [ Strategies to Effectively Lower Your Taxable Income ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) • December 1, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Backdoor-Roth-IRAs-Cover.png "Backdoor Roth IRAs Cover - 25 Financial - 25 Financial") ](https://25financial.com/what-are-the-best-resources-to-learn-about-backdoor-roth-iras/) [ What are the best resources to learn about backdoor Roth IRAs? ](https://25financial.com/what-are-the-best-resources-to-learn-about-backdoor-roth-iras/) ## [ What are the best resources to learn about backdoor Roth IRAs? ](https://25financial.com/what-are-the-best-resources-to-learn-about-backdoor-roth-iras/) • December 1, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Physician-Loan-Programs-Cover.png "Physician Loan Programs Cover - 25 Financial - 25 Financial") ](https://25financial.com/benefits-of-physician-loan-programs-explained/) [ Benefits of Physician Loan Programs Explained ](https://25financial.com/benefits-of-physician-loan-programs-explained/) ## [ Benefits of Physician Loan Programs Explained ](https://25financial.com/benefits-of-physician-loan-programs-explained/) • November 25, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/Alternatives-Access-Cover.png "Alternatives Access Cover - 25 Financial - 25 Financial") ](https://25financial.com/alternatives-access/) [ Alternatives Access: Institutional-Grade Opportunities With Discipline ](https://25financial.com/alternatives-access/) ## [ Alternatives Access: Institutional-Grade Opportunities With Discipline ](https://25financial.com/alternatives-access/) • November 20, 2025 [ ![](https://25financial.com/wp-content/uploads/2025/11/401k-Contribution-Limits-and-Retirement-Planning-Cover.png "401k Contribution Limits and Retirement Planning Cover - 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25 Financial - 25 Financial") ](https://25financial.com/svb-market-perspective/) [ SVB Market Perspective ](https://25financial.com/svb-market-perspective/) ## [ SVB Market Perspective ](https://25financial.com/svb-market-perspective/) • March 28, 2023 [ ![](https://25financial.com/wp-content/uploads/2023/03/Putting-2022s-Market-Losses-in-Perspective.png "Putting 2022’s Market Losses in Perspective - 25 Financial - 25 Financial") ](https://25financial.com/putting-2022s-market-losses-in-perspective/) [ Putting 2022’s Market Losses in Perspective ](https://25financial.com/putting-2022s-market-losses-in-perspective/) ## [ Putting 2022’s Market Losses in Perspective ](https://25financial.com/putting-2022s-market-losses-in-perspective/) • March 15, 2023 [ ![](https://25financial.com/wp-content/uploads/2021/01/DrTsue-5-copy-1024x585-1.jpg "DrTsue-5-copy-1024x585 (1) - 25 Financial - 25 Financial") ](https://25financial.com/top-5-financial-mistakes-residents-make/) [ Top 5 Financial Mistakes Residents Make ](https://25financial.com/top-5-financial-mistakes-residents-make/) ## [ Top 5 Financial Mistakes Residents Make ](https://25financial.com/top-5-financial-mistakes-residents-make/) • January 22, 2021 [ ![](https://25financial.com/wp-content/uploads/2020/10/DrTsue-5-copy-1024x585-8.jpg "DrTsue-5-copy-1024x585 (8) - 25 Financial - 25 Financial") ](https://25financial.com/federal-housing-finance-agency-imposing-refinancing-fee-on-physician-mortgage-loans/) [ Federal Housing Finance Agency Imposing Refinancing Fee on Physician Mortgage Loans ](https://25financial.com/federal-housing-finance-agency-imposing-refinancing-fee-on-physician-mortgage-loans/) ## [ Federal Housing Finance Agency Imposing Refinancing Fee on Physician Mortgage Loans ](https://25financial.com/federal-housing-finance-agency-imposing-refinancing-fee-on-physician-mortgage-loans/) • October 21, 2020 [ ![](https://25financial.com/wp-content/uploads/2020/05/HSA.png "HSA - 25 Financial - 25 Financial") ](https://25financial.com/what-is-an-hsa-health-savings-account-and-should-you-be-utilizing/) [ What Is an HSA (Health Savings Account) and Should You Be Utilizing? ](https://25financial.com/what-is-an-hsa-health-savings-account-and-should-you-be-utilizing/) ## [ What Is an HSA (Health Savings Account) and Should You Be Utilizing? ](https://25financial.com/what-is-an-hsa-health-savings-account-and-should-you-be-utilizing/) • May 18, 2020 [ ![](https://25financial.com/wp-content/uploads/2020/04/Oil-Futures.png "Oil Futures - 25 Financial - 25 Financial") ](https://25financial.com/oil-futures-prices-making-sense-of-oils-negative-price/) [ Oil Futures Prices: Making Sense of Oil’s Negative Price ](https://25financial.com/oil-futures-prices-making-sense-of-oils-negative-price/) ## [ Oil Futures Prices: Making Sense of Oil’s Negative Price ](https://25financial.com/oil-futures-prices-making-sense-of-oils-negative-price/) • April 23, 2020 [ ![](https://25financial.com/wp-content/uploads/2020/04/4-Reasons-Physicians.png "4 Reasons Physicians - 25 Financial - 25 Financial") ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ 4 Reasons Physicians And High Net Worth Investors Should Consider Alternative Investment Funds in Their Portfolio ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) ## [ 4 Reasons Physicians And High Net Worth Investors Should Consider Alternative Investment Funds in Their Portfolio ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) • April 23, 2020 [ ![](https://25financial.com/wp-content/uploads/2020/04/5-Factors-Physicians.png "5 Factors Physicians - 25 Financial - 25 Financial") ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) [ 5 Factors Physicians and Other High Net Worth Investors Should Consider Before Investing in Alternative Investments ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ## [ 5 Factors Physicians and Other High Net Worth Investors Should Consider Before Investing in Alternative Investments ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) • April 13, 2020 [ ![Does Life Insurance Cover Death or Disability Due to Coronavirus (COVID-19)?](https://25financial.com/wp-content/uploads/2020/04/AdobeStock_189748586-e1587517572844.jpg "AdobeStock_189748586 - 25 Financial - 25 Financial") ](https://25financial.com/does-life-insurance-cover-death-or-disability-due-to-coronavirus-covid-19/) [ Does Life Insurance Cover Death or Disability Due to Coronavirus (COVID-19)? ](https://25financial.com/does-life-insurance-cover-death-or-disability-due-to-coronavirus-covid-19/) ## [ Does Life Insurance Cover Death or Disability Due to Coronavirus (COVID-19)? ](https://25financial.com/does-life-insurance-cover-death-or-disability-due-to-coronavirus-covid-19/) • April 3, 2020 [ ![](https://25financial.com/wp-content/uploads/2020/03/DrTsue-5-copy-1024x585-5-1.jpg "DrTsue-5-copy-1024x585 (5) - 25 Financial - 25 Financial") ](https://25financial.com/outrun-investors-with-disciplined-investing/) [ Outrun Investors with Disciplined Investing ](https://25financial.com/outrun-investors-with-disciplined-investing/) ## [ Outrun Investors with Disciplined Investing ](https://25financial.com/outrun-investors-with-disciplined-investing/) • March 28, 2020 [ ![25 Financial - Financial Advisors for Physicians, Doctors, and other High Net Worth Investors](https://25financial.com/wp-content/uploads/2018/09/Logo-with-registered-4000w.png "Logo-with-registered-4000w - 25 Financial - 25 Financial") ](https://25financial.com/advantages-and-drawbacks-of-being-an-independent-contractor/) [ Advantages and Drawbacks of Being an Independent Contractor ](https://25financial.com/advantages-and-drawbacks-of-being-an-independent-contractor/) ## [ Advantages and Drawbacks of Being an Independent Contractor ](https://25financial.com/advantages-and-drawbacks-of-being-an-independent-contractor/) • September 14, 2018 [ ![Top 3 Estate Planning Mistakes Doctors Make](https://25financial.com/wp-content/uploads/2018/09/estate-planning-mistakes-e1587577849894.jpg "estate-planning-mistakes - 25 Financial - 25 Financial") ](https://25financial.com/the-top-3-estate-planning-mistakes-doctors-make/) [ The Top 3 Estate Planning Mistakes Doctors Make ](https://25financial.com/the-top-3-estate-planning-mistakes-doctors-make/) ## [ The Top 3 Estate Planning Mistakes Doctors Make ](https://25financial.com/the-top-3-estate-planning-mistakes-doctors-make/) • September 13, 2018 --- ### [Disability Insurance and Policy Services](https://25financial.com/services/own-occupation-disability/) **Published:** January 9, 2025 **Author:** Pavin White **Content:** # Disability Insurance and Policy Services **Advanced Wealth Management and Advisory Services for High-Net-Worth Professionals** [ Schedule a Consultation ](https://25financial.com/contact/) We help our clients take advantage of[ every wealth management and investment opportunity](https://25financial.com/services/)—including finding the best own-occupation disability insurance policies. Team 25’s [financial services](https://25financial.com/services/) give [our clients](https://25financial.com/who-we-serve/) peace of mind knowing they are covered in the event of disability and other major life events. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ## Finding the Right Disability Insurance Policy It’s important to explore all your insurance policy options, so you can receive the disability income you need to recover from injuries or to start training for a new occupation. We review individual policies, group policies, insurance company underwriting, your eligibility for partial disability benefits versus total disability benefits, your specific occupation, and much, much more to ensure that you can access the full benefit amount of whichever type of policy you choose. ### Own-Occupation Disability Insurance An own-occupation disability insurance policy is a type of long-term disability insurance. The own-occupation definition of disability is someone who cannot perform both substantial duties and material duties of his or her job/own occupation. In other words, someone can file an own-occupation disability claim when he or she becomes unable to perform essential job functions. There are two primary types of own-occupation policies: **Pure or true own-occupation coverage**, considered a gold standard for physicians and high-net-worth professionals. It provides full coverage and benefits in the event the person cannot work in his or her regular occupation but could work in another outside his or her medical specialty. **Modified own-occupation coverage**, which only provides benefits when someone cannot work in his or her regular occupation and does not work in another job. ### Any-Occupation Insurance Any-occupation insurance is another form of long-term disability coverage. This LTD policy covers someone who is injured while employed and can no longer work a job suitable to the person’s certifications, age, and other factors. If the policyholder can, however, work at any job—including a lower-paying one—he or she will not receive any-occupation disability insurance benefits. ### Social Security Disability Insurance (SSDI) SSDI is another form of long-term disability insurance. It requires[ a waiting period of at least 5 months from the time of disability before someone can start receiving monthly benefits](https://www.ssa.gov/disability). For high-earning professionals like physicians, SSDI works best as a complement to private insurance policies rather than as a replacement for them. ### Short-Term Disability Insurance Short-term disability, or STD, policies offer benefits for only a few months at a time; many benefit periods last no longer than 6 months. These policies are ideal for covering temporary disabilities, which can include pregnancy and childbirth. ### Other Insurance Options Disability insurance is important, but it’s critical to be covered financially for other major events too. Other types of insurance policies we can review with you include: - [Life insurance](https://25financial.com/services/insurance-planning/) - [Limited liability insurance](https://25financial.com/services/insurance-planning/) - [Personal liability insurance](https://25financial.com/services/insurance-planning/) ![](https://25financial.com/wp-content/uploads/2024/09/pexels-mikhail-nilov-6962994-1300x650.jpg "pexels-mikhail-nilov-6962994 - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/09/vlad-deep-mCqi3MljC4E-unsplash-1300x650-1.webp "vlad-deep-mCqi3MljC4E-unsplash-1300x650 - 25 Financial - 25 Financial") ## Invest More with 25 Financial **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. **Plan.** We provide options to meet your goals and recommend the best approach. **Act.** We follow through to ensure the full plan is implemented. **Review.** Life often brings change, so we regularly review and reassess the plan. ## Team 25’s Own-Occupation Disability Insurance Solutions [Physicians](https://25financial.com/who-we-serve/physicians/) and[ other high-net-worth individuals](https://25financial.com/who-we-serve/) can experience disability like anyone else. Unlike everyone else, however, these individuals may need higher payouts from monthly disability benefits. That’s where Team 25 can help. As experienced financial advisors, we have the expertise to help high-net-worth clients find insurance policies that cover them in event of worst-case scenarios. Our clients turn to us time and again because[ our financial planning strategies](https://25financial.com/services/financial-planning/) are always in *their* best interests, not ours. Our extensive disability insurance policy services include benefits planning,[ overall insurance planning](https://25financial.com/services/insurance-planning/), and more. [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation with a Registered Investment Adviser ](https://25financial.com/contact/) *Disclosures: This article is for informational purposes only and does not constitute professional financial or legal advice.* *We are not tax professionals, so please consult with your own tax professional before implementing any strategy discussed.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any investment decisions.* --- ### [Asset Protection Planning](https://25financial.com/services/financial-asset-protection/) **Published:** November 4, 2024 **Author:** Pavin White **Content:** # Financial Planning and Asset Protection Services **Advanced Wealth Management and Advisory Services for High-Net-Worth Professionals** [ Schedule a Consultation ](https://25financial.com/contact/) We help our clients take advantage of every wealth management and investment opportunity—including financial planning and asset protection solutions. Team 25’s financial advisors offer the solutions that allow our clients to have more confidence, time, and peace of mind knowing their financial futures are secure. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ## Effective Asset Protection Plans and Financial Planning Services ### Investment Advice ![](https://25financial.com/wp-content/uploads/2024/09/pexels-jakubzerdzicki-20142114-1300x650.jpg "pexels-jakubzerdzicki-20142114 - 25 Financial - 25 Financial") We believe our advisory services are second to none. Our financial advisors find out the potential risks you’re comfortable with, your financial goals and investment objectives, and more. Once we know your risk tolerance and goals, we help you explore both public and private markets to find the opportunities that work for you. Best of all, we always take your lead. We may be investment advisers, but we let *you* make the important investment decisions. [ Learn More ](https://25financial.com/who-we-serve/) ### Establishing the Right Retirement Accounts ![](https://25financial.com/wp-content/uploads/2024/09/pexels-vlada-karpovich-7433822-1300x650.jpg "pexels-vlada-karpovich-7433822 - 25 Financial - 25 Financial") It’s never too early *or* too late to start securing a financial future that’s bright. We help our clients plan for retirement in a way that’s both realistic and in line with our clients’ later-life goals. [ Learn More ](https://25financial.com/services/retirement-planning-advisor/) ### Life Insurance Planning ![](https://25financial.com/wp-content/uploads/2024/11/close-up-doctor-holding-wooden-cube-1300x650.jpg "close-up-doctor-holding-wooden-cube - 25 Financial - 25 Financial") Nobody likes dealing with insurance companies. While we can’t make this process fun, we can make it manageable. Finding the right life insurance policies is just the first step. We also help clients properly establish policies with the right beneficiary designations and continually keep these legal documents up to date to reduce the stress of managing estate planning documents after a family member’s passing. [ Learn More ](https://25financial.com/services/insurance-planning/) ### Estate Planning ![](https://25financial.com/wp-content/uploads/2024/09/pexels-tara-winstead-7111489-1300x650.jpg "pexels-tara-winstead-7111489 - 25 Financial - 25 Financial") Estate planning is understandably stressful, but it can be manageable with the right support. As part of our comprehensive retirement planning services, we help our clients establish beneficiaries and irrevocable trusts well in advance, so that loved ones experience reduced estate taxes and can avoid or mitigate the hassle of dealing with probate. [ Learn More ](https://25financial.com/services/estate-planning-advisor/) ### Personal Liability Insurance ![](https://25financial.com/wp-content/uploads/2026/09/vlad-deep-mCqi3MljC4E-unsplash-1300x650-1.webp "vlad-deep-mCqi3MljC4E-unsplash-1300x650 - 25 Financial - 25 Financial") Life is full of unexpected events. Protect yourself from the unexpected with the right personal liability insurance policy. We help renters and homeowners find the insurance policies that protect themselves and their personal assets in case of accidental damage to their property or someone else’s. [ Learn More ](https://25financial.com/services/insurance-planning/) ### Limited Liability Insurance ![](https://25financial.com/wp-content/uploads/2024/09/laptop-3087585_1920-1300x650.jpg "laptop-3087585_1920 - 25 Financial - 25 Financial") Many of our clients are business owners/co owners of limited liability companies (LLCs). We find that these clients benefit greatly from finding the right policies that protect their business assets in case of litigation. [ Learn More ](https://25financial.com/services/insurance-planning/) ### Succession Planning ![](https://25financial.com/wp-content/uploads/2023/03/AdobeStock_432816994-1300x650.jpeg "Hand putting coin to white piggy bank saving on blue background - 25 Financial - 25 Financial") Many high-net-worth individuals are business owners, including many of our clients. We help our clients ensure that all the hard work they’ve put into their organization won’t vanish once they pass. We file the right documents to ensure that succession and transition of leadership after our clients’ passing is as smooth and as painless as possible. ### Domestic Asset Protection Trusts ![](https://25financial.com/wp-content/uploads/2024/09/firmbee-com-jrh5lAq-mIs-unsplash-1300x650.jpg "firmbee-com-jrh5lAq-mIs-unsplash - 25 Financial - 25 Financial") Domestic asset protection trusts (DAPTs), or self-settled trusts, are a type of irrevocable trust that lets the person establishing the trust name themselves as a beneficiary. This type of trust allows someone to essentially disown their properties by putting them into a trust, protecting these properties and assets from being seized in a lawsuit/creditor claim against the trust maker.Many of our high-net-worth clients are unfair targets of litigation; we work tirelessly to protect our clients from unfair asset seizure due to overzealous claims and lawsuits. Team 25 helps eligible clients determine if a DAPT strategy is right for them. ## Invest More with 25 Financial **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. **Plan.** We provide options to meet your financial goals and recommend the best approach. **Act.** We follow through to ensure the full plan is implemented. **Review.** Life often brings change, so we regularly review and reassess the plan. ## Team 25’s Financial Planning and Asset Protection Solutions The financial life of our high-net-worth clients is different than that of the general public, which means that their financial planning services need to be different too. As investment advisors registered with the SEC, we have the expertise to take the unique financial situation of these individuals into account for a holistic strategy that leads to better financial futures for our clients. We believe in an unbiased approach to financial planning that must always be in our clients’ best interest. Our extensive financial planning and asset protection strategies include benefits planning, insurance planning, tax planning strategies, debt management strategies, investment planning, retirement planning, and estate planning. [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation with a Registered Investment Adviser ](https://25financial.com/contact/) ***Disclosure**: This article is for informational purposes only and does not constitute professional financial or legal advice.* --- ### [Insurance Planning](https://25financial.com/services/insurance-planning/) **Published:** November 4, 2024 **Author:** Pavin White **Content:** # Insurance Planning Advisors ***Helping you secure the future with comprehensive insurance strategies.*** Your insurance plan is more than just a safety net; it’s a strategic element of your overall financial planning. At 25 Financial, our insurance planning advisors specialize in designing insurance coverage that aligns with your goals, protects your loved ones, and contributes to long-term financial well-being. From medical residents navigating open enrollment to high-net-worth individuals safeguarding significant assets, our advisors work with you to develop a customized insurance plan that meets your specific needs. ![](https://25financial.com/wp-content/uploads/2024/11/hands-showing-insurance-balloons-word.jpg "Hands showing insurance balloons word - 25 Financial - 25 Financial") ## Why Consult With 25 Financial Advisors for Insurance Planning? Our financial advisors understand that insurance needs vary greatly depending on your financial situation, risk tolerance, and future aspirations. Here’s why consulting with 25 Financial is the right choice for your insurance planning needs: **Experience with Complex Financial Situations:** We serve healthcare professionals, high-net-worth individuals, and families with diverse insurance needs. Whether you’re seeking life insurance policies, liability coverage, or long-term care insurance, our advisors have the expertise to guide you. **Personalized Insurance Coverage:** Our approach to insurance planning is built around your unique life circumstances, ensuring a strategy that fits your career stage, family dynamics, and financial goals. **Asset Protection Focus:** We prioritize protection for what matters most, with insurance products designed to safeguard your financial legacy and ensure quality care for your family. **Comprehensive Wealth Management:** As part of our broader wealth management services, we offer a complete review of your insurance options—from health insurance plans and Medicare to annuities and homeowners insurance—to ensure your insurance coverage supports your overall financial strategy. **Trusted Fiduciary Advisors:** As an investment advisor, registered with the SEC, we provide fiduciary support that puts your best interests first. Our transparent, conflict-free advice empowers you to make informed decisions about insurance products, liability insurance, and more. ![](https://25financial.com/wp-content/uploads/2024/11/close-up-doctor-holding-wooden-cube-1300x650.jpg "close-up-doctor-holding-wooden-cube - 25 Financial - 25 Financial") ## Asset Protection Planning At 25 Financial, we understand the importance of protecting your assets. Our Asset Protection Planning services are tailored to minimize liability risks and safeguard your wealth from unexpected events. By creating a strategic insurance plan, we help high-net-worth individuals and business owners protect their assets from potential claims, lawsuits, or other liabilities. Key components of our asset protection planning include: **Liability Insurance:** Essential for shielding your wealth from claims and litigation, our advisors help you secure coverage suited to your level of risk. **Homeowners and Auto Insurance:** Beyond basic coverage, we assist in optimizing policies to protect substantial real estate and other high-value assets. **Long-Term Care and Life Insurance Policies:** These policies not only offer quality care options in the future but also serve as key components of asset protection by helping manage future medical expenses. **Annuities and Deductible Management:** We offer guidance on selecting annuities and managing deductibles to maximize protection and minimize out-of-pocket costs during your retirement plans. ## Own Occupation Disability Insurance For physicians, surgeons, and other medical professionals, an Own Occupation Disability Insurance plan is critical. This specialized disability insurance policy protects your income should you be unable to work in your chosen field due to injury or illness. At 25 Financial, we recognize the unique value of protecting your earning potential, particularly for those in high-stakes careers. **Income Protection:** Own Occupation Disability Insurance provides a safety net, ensuring your income remains protected, even if you cannot perform duties specific to your occupation. **Custom Policy Options:** Our advisors work with multiple insurance agencies to offer policy options tailored to medical residents, practicing physicians, and high-earning professionals, ensuring adequate coverage for their financial responsibilities. **Peace of Mind for You and Your Loved Ones:** With the right disability insurance, you can maintain financial stability even during health challenges, providing peace of mind for you and your family. ![](https://25financial.com/wp-content/uploads/2026/09/vlad-deep-mCqi3MljC4E-unsplash-1300x650-1.webp "vlad-deep-mCqi3MljC4E-unsplash-1300x650 - 25 Financial - 25 Financial") ## Achieve MORE | Contact Us With 25 Financial, you’re not just getting an insurance plan—you’re building a comprehensive, well-rounded approach to risk management that aligns with your long-term financial strategy. From health insurance and Medicare planning to estate protection, our advisors offer the guidance, expertise, and resources needed to achieve more for your financial future. Ready to explore insurance options tailored to your needs? Contact 25 Financial and discover how we can secure your future. ### FAQs What types of insurance do you offer advice on? We provide guidance on a full range of insurance options, including life insurance, health insurance, homeowners insurance, disability insurance, and long-term care insurance. Our advisors ensure each insurance product aligns with your financial and personal goals. How does 25 Financial help with asset protection through insurance? Our asset protection planning services include recommendations for liability insurance, annuities, and life insurance policies to safeguard your wealth from unforeseen claims and lawsuits. We review each policy to ensure it’s optimized for your unique situation. Do you work with any specific insurance companies? We are independent advisors, meaning we have access to a wide array of insurance providers. This independence allows us to recommend the best insurance products for your needs without conflicts of interest. Can you help with disability insurance for medical professionals? Yes, we specialize in Own Occupation Disability Insurance, a critical policy for medical professionals. This policy ensures income protection if you are unable to perform your specific occupational duties due to disability. Are your advisors licensed and regulated? Yes, as an investment advisor registered with the SEC, our advisors adhere to regulatory requirements and maintain licenses to offer insurance planning services. We abide by the federal government and industry guidelines to provide transparent, reliable advice. ## Contact Us Let our financial professionals help you protect your wealth, your career, and your family’s future with a tailored insurance plan. Connect with 25 Financial’s insurance planning advisors today and begin building a comprehensive approach to your insurance needs. Whether you’re focused on asset protection, disability coverage, or long-term care planning, we’re here to guide you every step of the way. [ Schedule a Consultation ](https://25financial.com/contact/) *Disclosures: Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions.* --- ### [Opportunity Zone Investing](https://25financial.com/services/opportunity-zone-investment/) **Published:** November 4, 2024 **Author:** Pavin White **Content:** # Qualified Opportunity Zone Investments **Advanced Wealth Management and Advisory Services for High-Net-Worth Professionals** [ Schedule a Consultation ](https://25financial.com/contact/) We help our clients take advantage of every wealth management and investment opportunity—including qualified opportunity zone investments. Team 25’s financial advisors offer[ alternative investment services](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) that allow our clients to have more confidence, time, and peace of mind knowing their financial futures are secure. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ## About Qualified Opportunity Fund Investments ### What are Qualified Opportunity Zone (QOZ) Investments? A qualified opportunity zone, or QOZ, is a business or real estate property in a distressed community/low-income community,[ designated by the state and certified by the U.S. Treasury Secretary](https://www.investopedia.com/opportunity-fund-4688682). Investors use a qualified opportunity fund, or QOF, to invest in a QOZ property to drive economic development, including job creation. Those who invest into qualified opportunity zone business properties and real estate properties can see deferment or even reduction of[ qualified 1231 and capital gains taxes](https://www.irs.gov/credits-deductions/businesses/invest-in-a-qualified-opportunity-fund).Simply put, a QOF investment is a real estate investment vehicle that offers tax incentives when you invest in a qualified opportunity zone property. Specifically, qualifying investments can offer capital gains tax deferral for those who make the right types of investments.Qualified opportunity zones exist in every single U.S. state, as well as the District of Columbia (Washington, D.C.) and all U.S. territories. ![](https://25financial.com/wp-content/uploads/2026/09/jason-dent-w3eFhqXjkZE-unsplash-1300x650-1.webp "jason-dent-w3eFhqXjkZE-unsplash-1300x650 - 25 Financial - 25 Financial") ### Why Choose QOZ Investments? QOZ investments usually benefit everyone involved. The community that is invested into often sees intense economic growth and other markers of substantial improvement. Investors also enjoy unique tax benefits, specifically deferments on eligible gains.[ According to the Internal Revenue Service (IRS)](https://www.irs.gov/credits-deductions/businesses/invest-in-a-qualified-opportunity-fund), “You can defer tax on eligible gains you invest in a Qualified Opportunity Fund (QOF) until you have an inclusion event or by December 31, 2026, whichever is earlier.”Simply put, a QOF investment is a real estate investment vehicle that offers tax incentives when you invest in a qualified opportunity zone property. Specifically, qualifying investments can offer capital gains tax deferral for those who make the right types of investments.Qualified opportunity zones exist in every single U.S. state, as well as the District of Columbia (Washington, D.C.) and all U.S. territories. ## Invest More with 25 Financial **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. **Plan.** We provide options to meet your financial goals and recommend the best approach. **Act.** We follow through to ensure the full plan is implemented. **Review.** Life often brings change, so we regularly review and reassess the plan. ## Invest in Qualified Opportunity Zones with 25 Financial Trust the experts at Team 25 to find the opportunity zone programs that fit your risk tolerance, budget, and financial goals. We believe in an unbiased approach to financial planning that must always be in our clients’ best interest, not the other way around. That is why our extensive financial plans include benefits planning, insurance planning, tax planning strategies, debt management strategies, investment planning, retirement planning, estate planning, and asset protection. [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation with a Registered Investment Adviser ](https://25financial.com/contact/) ***Disclosure**: This article is for informational purposes only and does not constitute professional financial or legal advice.* --- ### [Alternative Investment Strategy](https://25financial.com/services/alternative-investment-strategy/) **Published:** November 4, 2024 **Author:** Pavin White **Content:** # Alternative Investment Services and Advisors **Advanced Wealth Management and Advisory Services for High-Net-Worth Professionals** [ Schedule a Consultation ](https://25financial.com/contact/) We help our clients take advantage of every wealth management and investment opportunity—including alternative investment solutions that offer enhanced portfolio diversification and greater potential for earnings. Team 25’s financial advisors offer[ alternative investment services](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) that allow our clients to have more confidence, time, and peace of mind knowing their financial futures are secure. ## Our Alternative Investment Strategies Our alternative investment strategies are just a larger part of our comprehensive investment management and planning services. They offer a more holistic way to approach building and managing wealth that traditional investments in fixed income markets alone won’t cover. ### Real Estate Opportunity Zones ![](https://25financial.com/wp-content/uploads/2026/09/jason-dent-w3eFhqXjkZE-unsplash-1300x650-1.webp "jason-dent-w3eFhqXjkZE-unsplash-1300x650 - 25 Financial - 25 Financial") Qualified opportunity zones present unique opportunities to build investments, defer capital gains taxes, and inject financial stimulus into traditional underserved communities. It’s a winning strategy for all involved. [ Learn More ](https://25financial.com/services/opportunity-zone-investment/) ### Tax Mitigation Strategies ![](https://25financial.com/wp-content/uploads/2024/08/pexels-n-voitkevich-6863529-1300x650.jpg "pexels-n-voitkevich-6863529 - 25 Financial - 25 Financial") High-net-worth individuals are often unfairly targeted by the IRS. We work to find every possible solution to reduce tax burdens on our clients, following all applicable local, state, and federal laws. [ Learn More ](https://25financial.com/tax-mitigation-strategies/) ### Investment Advice ![](https://25financial.com/wp-content/uploads/2026/09/stephen-dawson-qwtCeJ5cLYs-unsplash-1300x650-1.webp "stephen-dawson-qwtCeJ5cLYs-unsplash-1300x650 - 25 Financial - 25 Financial") Our advisory services are second to none. Our financial advisors do their due diligence to find out the degree of risk you’re comfortable with, your financial goals and investment objectives, and more. Once we know your risk tolerance and goals, we help you explore both public and private markets to find the opportunities that work for you.Best of all, we always take your lead. We may be investment advisers, but we let *you* make the important investment decisions. [ Learn More ](https://25financial.com/who-we-serve/) ### Alternative Asset Management ![oil alternative investment opportunities. Oil futures prices](https://25financial.com/wp-content/uploads/2020/04/oil-rig-1300x650.jpg "oil-rig - 25 Financial - 25 Financial") Wealth management needs to be innovative. Don’t rely on traditional asset management strategies alone. Trust the experts at Team 25 to find the asset allocation solutions that protect your investments and nurture your portfolio. [ Learn More ](https://25financial.com/services/) ### Alternative Investment Products ![](https://25financial.com/wp-content/uploads/2024/02/25-Stock-Photo-4-1300x650.jpg "25 Stock Photo 4 - 25 Financial - 25 Financial") Build a robust portfolio by exploring alternative asset classes and products like private equity funds/private credit, real assets, hedge funds, commodities, and more. ## Invest More with 25 Financial **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. **Plan.** We provide options to meet your financial goals and recommend the best approach. **Act.** We follow through to ensure the full plan is implemented. **Review.** Life often brings change, so we regularly review and reassess the plan. ## Alternative Investment Solutions with 25 Financial The 25 team members are registered investment advisors and has the expertise to take the unique financial situation of high-net-worth individuals into account for a holistic alternative investment strategy that leads to brighter financial futures. Our alternative investment advisors always put our clients’ best interest first. Our extensive financial solutions include benefits planning, insurance planning, tax planning strategies, debt management strategies, investment planning, retirement planning, estate planning, and asset protection. [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation with a Registered Investment Adviser ](https://25financial.com/contact/) ***Disclosure**: This article is for informational purposes only and does not constitute professional financial or legal advice.* --- ### [Wealth Management Services](https://25financial.com/services/) **Published:** February 27, 2024 **Author:** Pavin White **Content:** ### WEALTH MANAGEMENT #### LEARN HOW WE CAN HELP YOU ENJOY THE EXTRA HOUR IN THE DAY [ Schedule a Consultation ](https://25financial.com/financial-advisor-st-louis/) ![](https://25financial.com/wp-content/uploads/2023/01/testphoto-1024x1024.png "testphoto - 25 Financial - 25 Financial") ## Wealth Management for Physicians and Accredited Investors ##### Jeff Larson and Randy Larson built a private wealth management services firm that allows clients access to investments that can’t be found anywhere else. Over the years, they have established strong relationships with the principles of these private alternative investment funds. We stand by the fact that Team 25 emulates our founders’ beliefs and character. As your partners in wealth and investment management, we operate with a get-it-done attitude, always putting our clients’ needs above our own. We seek to grow your wealth in the most efficient way possible. In short, our goal is nothing less than to provide you with more confidence, time, and peace of mind by taking advantage of every opportunity. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ## FINANCIAL PLANNING FOR PHYSICIANS AND MORE ##### We’re the wealth advisors specializing in wealth management services for physicians, business owners, and other high-net-worth investors. We are proud to offer financial services that allow our clients to enjoy life to the fullest potential. ## ALTERNATIVE INVESTMENTS ##### We believe in the potential benefit of diversification of portfolios and utilizing non-correlated investments. Our creative and carefully-vetted partnerships bring trusted alternative investment opportunities to our clients. ## A PARTNERSHIP YOU CAN TRUST ##### 25 Financial is a member of FINRA, IEX, and SIPC, and we base our financial decisions on a broad range of metrics, client goals, and past performance. To evaluate investment opportunities, we use an extensive due diligence model, adapted from some of the top private equity firms in the industry. ## Invest More with 25 Financial ![Discover PNG (1)](https://25financial.com/wp-content/uploads/2024/02/Discover-PNG-1.png)# DISCOVER ![Discover PNG (1)](https://25financial.com/wp-content/uploads/2024/02/Discover-PNG-1.png)### DISCOVER We spend time getting to know our clients’ financial goals, needs, and hopes, so we can adjust options based on clients’ risk tolerance, investable assets, debt, fixed income, charitable giving, and more. ![Act PNG (2)](https://25financial.com/wp-content/uploads/2024/02/Act-PNG-2.png)# PLAN ![Act PNG (2)](https://25financial.com/wp-content/uploads/2024/02/Act-PNG-2.png)### PLAN We provide holistic options to meet your goals and recommend the best approach to wealth planning, including investment advice, trust services, brokerage services, asset management/asset allocation, estate planning, portfolio management, and tax planning. ![Review PNG (1)](https://25financial.com/wp-content/uploads/2024/02/Review-PNG-1.png)# ACT ![Act PNG (1)](https://25financial.com/wp-content/uploads/2024/02/Act-PNG-1.png)### ACT We follow through to ensure the full plan is implemented and up to both our clients’ standards as well as all federal government agencies and other relevant regulatory organizations. ![Review PNG (2)](https://25financial.com/wp-content/uploads/2024/02/Review-PNG-2.png)# REVIEW ![Review PNG (2)](https://25financial.com/wp-content/uploads/2024/02/Review-PNG-2.png)### REVIEW Life often brings change and volatility, so we regularly review and reassess the financial situation to ensure our wealth management and investment advisory services help our clients achieve their goals. ![Wealth management for physicians](https://25financial.com/wp-content/uploads/2023/12/financial-planning-for-physicians-2000x752-1-edited-1024x576.jpg "Wealth management for physicians Financial Planning for physicians - 25 Financial - 25 Financial") ## FINANCIAL PLANNING FOR HIGH-NET-WORTH CLIENTS ##### Wealth management for physicians and other high-net-worth individuals is unlike financial planning for the general public. That belief shapes how we view financial planning for these individuals; it must be comprehensive, unbiased, and always in their best interest. Our comprehensive financial plans include insurance review and planning, debt management strategies, retirement planning, employee benefits planning and analysis, investment planning, proactive tax strategies, asset protection, and estate and legacy planning. [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation with a Registered Investment Adviser ](https://25financial.com/contact/) --- ### [Our Team at 25 Financial](https://25financial.com/team/) **Published:** February 28, 2024 **Author:** Pavin White **Content:** ## TEAM 25 IS HERE FOR YOU​ 25 Financial is a private wealth management firm providing financial planning for physicians, business owners, entrepreneurs, and other high-net-worth accredited investors. Our wealth advisors stand for integrity, experience, and over-the-top service, understanding what it takes to help our clients achieve more of both time and money. Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity. Allow us to help you clarify your goals and execute your plan with rigor, progress, and accountability. Let us work for you so that you can live your life to its fullest potential. Our Vision To help our clients and team live life to its fullest potential. Our Mission We apply comprehensive insight in the best interest of our clients to help them achieve more of both time and money. Our Values **Character.** It matters. It’s our mission to earn and keep your trust, operating as fiduciaries with the highest degree of honesty, integrity, and transparency. **Momentum.** We deliver results. We help clarify your goals and then execute your plan with rigor, progress, and accountability. **Stewardship.** You’ve worked hard for what you have, and we’re here as partners to help you make the most of every dollar, hour, and opportunity. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ### Our Partners ![](https://25financial.com/wp-content/uploads/2026/01/Randy-Square-650x1084.jpg "Randy - Square - 25 Financial - 25 Financial") ### Randy Larson ##### Partner, Financial Advisor, J.D., LL.M. [Learn more about Randy](https://25financial.com/team/randy-larson/) ![](https://25financial.com/wp-content/uploads/2026/01/Jeff-Square-650x1119.jpg "Jeff - Square - 25 Financial - 25 Financial") ### Jeff Larson ##### Partner, Financial Advisor [Learn more about Jeff](https://25financial.com/team/jeff-larson/) ![](https://25financial.com/wp-content/uploads/2026/01/Nate-Square-650x1139.jpg "Nate - Square - 25 Financial - 25 Financial") ### Nathan Brooks ##### Partner, Financial Advisor [Learn more about Nathan](https://25financial.com/team/nathan-brooks/) ![](https://25financial.com/wp-content/uploads/2026/01/Brad-Square-650x1226.jpg "Brad - Square - 25 Financial - 25 Financial") ### Brad Meyers ##### Partner, Financial Planner, CFP® [Learn more about Brad](https://25financial.com/team/brad-meyers/) ### Our Advisors ![](https://25financial.com/wp-content/uploads/2026/01/Brian-Square-650x1039.jpg "Brian - Square - 25 Financial - 25 Financial") ### Brian Sanguinet ##### Senior Financial Advisor [Learn more about Brian](https://25financial.com/team/brian-sanguinet/) ![](https://25financial.com/wp-content/uploads/2026/01/Jon-Square-650x1077.jpg "Jon - Square - 25 Financial - 25 Financial") ### Jon Lester ##### Senior Financial Advisor [Learn more about Jon](https://25financial.com/team/jon-lester/) ![](https://25financial.com/wp-content/uploads/2026/01/Tim-Square-650x1026.jpg "Tim - Square - 25 Financial - 25 Financial") ### Tim Moore ##### Financial Advisor [Learn more about Tim](https://25financial.com/team/tim-moore/) ![](https://25financial.com/wp-content/uploads/2026/01/Stephan-Square-650x1071.jpg "Stephan - Square - 25 Financial - 25 Financial") ### Stephan McKee ##### Financial Advisor [Learn more about Stephan](https://25financial.com/team/stephan-mckee/) # TEAM 25 IS HERE FOR YOU ###### At 25 Financial, we know that wealth management for physicians and high net worth investors requires dedication, accuracy and accountability. Our team is ready to put your financial plan into action by utilizing experts in a variety of fields, including insurance, taxes, retirement planning, employer benefits, estate planning, employment contracts and mortgage planning. When you partner with Team 25, you can rest assured that we will be investing more so that you can enjoy more. [ Connect to learn how you can achieve your financial goals with Team 25 ](https://25financial.com/contact/) ![](https://25financial.com/wp-content/uploads/2026/01/25-Financial-Team-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ### Our Client Service Team ![](https://25financial.com/wp-content/uploads/2026/01/CSM-Team-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/01/Kaitlyn-Square-650x992.jpg "Kaitlyn - Square - 25 Financial - 25 Financial") ### Kaitlyn Helmich ##### Director of Client Services [Learn more about Kaitlyn](https://25financial.com/team/kaitlyn-helmich/) ![](https://25financial.com/wp-content/uploads/2026/01/Keyonna-Square-650x1069.jpg "Keyonna - Square - 25 Financial - 25 Financial") ### Keyonna Williams ##### Sr Client Service Manager [Learn more about Keyonna](https://25financial.com/team/keyonna-williams/) ![](https://25financial.com/wp-content/uploads/2026/01/Jenny-Square-650x1084.jpg "Jenny - Square - 25 Financial - 25 Financial") ### Jenny Lape ##### Client Service Manager [Learn more about Jenny](https://25financial.com/team/jenny-lape/) ![](https://25financial.com/wp-content/uploads/2026/01/Lauren-Square-650x1009.jpg "Lauren - Square - 25 Financial - 25 Financial") ### Lauren Ayres ##### Client Service Associate [Learn more about Lauren](https://25financial.com/team/lauren-ayres/) ![](https://25financial.com/wp-content/uploads/2026/01/Sarah-Square-650x1075.jpg "Sarah - Square - 25 Financial - 25 Financial") ### Sarah Butcher ##### Client Service Associate [Learn more about Sarah](https://25financial.com/team/sarah-wilson/) ### Our Support Team ![](https://25financial.com/wp-content/uploads/2026/01/Operations-Team-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/01/Pavin-Square-650x1204.jpg "Pavin - Square - 25 Financial - 25 Financial") ### Pavin White ##### Chief Operating Officer [Learn more about Pavin](https://25financial.com/team/pavin-white/) ![](https://25financial.com/wp-content/uploads/2026/01/Cole-Square-650x1082.jpg "Cole - Square - 25 Financial - 25 Financial") ### Cole Tourrette ##### Trading Operations Associate [Learn more about Cole](https://25financial.com/team/cole-tourrette/) ![](https://25financial.com/wp-content/uploads/2026/01/Lulu-Square-650x1088.jpg "Lulu - Square - 25 Financial - 25 Financial") ### Lulu Geary ##### Operations Analyst [Learn more about Lulu](https://25financial.com/team/lulu-geary/) ![](https://25financial.com/wp-content/uploads/2026/01/Caleb-Square-650x1042.jpg "Caleb - Square - 25 Financial - 25 Financial") ### Caleb Partney ##### Staff Accountant [Learn more about Caleb](https://25financial.com/team/caleb-partney/) ![](https://25financial.com/wp-content/uploads/2026/09/Noah-2-650x1024.jpg "Noah - 25 Financial - 25 Financial") ### Noah Phlipot ##### Trading Operations Associate [Learn more about Noah](https://25financial.com/team/noah-phlipot/) --- ### [Noah Phlipot](https://25financial.com/team/noah-phlipot/) **Published:** September 3, 2026 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/09/Noah-1.jpg "Noah - 25 Financial - 25 Financial") ## Noah Phlipot ### Trading Operations Associate Noah Phlipot is a Trading Associate at 25 Financial, where he supports investment operations and helps deliver efficient, client-focused solutions. Outside of work, he enjoys spending time outdoors at the lake and watching a variety of sports. --- ### [Disclosures](https://25financial.com/disclosures/) **Published:** May 13, 2026 **Author:** Pavin White **Content:** Investment advice offered through 25 Financial, LLC,, a Securities and Exchange Commission-registered investment advisor able to provide investment advice in states where it is registered, exempt, or excluded from registration. Content contained herein is for informational purposes only and is not intended and should not be construed as personalized investment advice or an offer for the purchase or sale of any security, insurance, or other investment product. Investments involve the risk of loss, including possible loss of principal. It is very important to do your own analysis before making any investment based on your own personal circumstances. 25 and Quincy Wells Capital are not tax professionals. Please consult with a qualified financial, tax, accounting, or legal professional before implementing any ideas or strategies discussed here. Content provided may be obtained from sources believed to be reliable but cannot be guaranteed as to its accuracy or completeness. Securities offered through Quincy Wells Capital, LLC, member FINRA, SIPC and NFA. Investment advisory services offered through 25 Financial, LLC, an SEC Registered Investment Advisor. The information and material contained in this communication is confidential and intended for the recipient addressee named. 25, LLC is an Investment Adviser registered with the Securities and Exchange Commission. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request or at adviserinfo.sec.gov. [ Form CRS ](https://25financial.com/wp-content/uploads/2025/12/Form-CRS-Jun22.pdf) [ Form ADV - Part 1 ](https://25financial.com/wp-content/uploads/2026/01/25-LLC-ADV-Part-1-AU-January-2026.pdf) [ Form ADV - Part 2 ](https://25financial.com/wp-content/uploads/2026/03/Form-ADV-Part-2A-VER-02-2026.pdf) --- ### [SpaceX Landing Page](https://25financial.com/spacex/) **Published:** January 27, 2025 **Author:** Pavin White **Content:** ### Stephan McKee ![](https://25financial.com/wp-content/uploads/2026/01/Stephan-Square-650x650.jpg "Stephan - Square - 25 Financial - 25 Financial") [ Click here to schedule a quick conversation ](https://calendly.com/d/cw6k-s58-vhj/introductory-meeting) [ To learn more about me ](https://25financial.com/team-member/stephan-mckee/) ## Greetings ![5988b0d4-bcfb-4806-afc1-8bd085f1d5a5](https://25financial.com/wp-content/uploads/elementor/thumbs/5988b0d4-bcfb-4806-afc1-8bd085f1d5a5-scaled-rjse3jyf0n28gstu24gbrbxpgbjerqe1chi0isbbnu.png "5988b0d4-bcfb-4806-afc1-8bd085f1d5a5") ![5988b0d4-bcfb-4806-afc1-8bd085f1d5a5](https://25financial.com/wp-content/uploads/elementor/thumbs/5988b0d4-bcfb-4806-afc1-8bd085f1d5a5-scaled-rjse3jydhtlej1b0ykpxs469myc4jecd8lmud8diao.png "5988b0d4-bcfb-4806-afc1-8bd085f1d5a5") ## Employees! If you’ve found yourself on this page, it’s probably because your SpaceX stock has drastically increased along with your net worth and you’re looking for ways to diversify your portfolio while mitigating the tax burden at the same time. The great news is there are several strategies to delay, mitigate, or even eliminate the taxes you would pay when selling your SpaceX stock back. If you’d like to keep more money in your pocket and ensure you can retire when you want, with what you want, you can schedule a complimentary consultation. [ Morgan Stanley vs Competitors: Private Wealth Management Edge ](https://25financial.com/morgan-stanley-vs-competitors-private-wealth-management-edge/) [ SpaceX Employee Guide to Mitigate Capital Gains Tax ](https://25financial.com/wp-content/uploads/2026/04/SpaceX-Employee-Guide-to-Mitigate-Capital-Gains-Tax.pdf) ## Let's Talk Through Your Options: Contact Us - Stephan First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. # Articles To Learn More [ How To Invest In Oil ](https://25financial.com/how-to-invest-in-oil-and-gas/) [ Donor Advised Funds ](https://25financial.com/donor-advised-fund/) [ Lowering Taxable Income ](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) [ Tax-Efficient Portfolio Management ](https://25financial.com/tax-efficient-portfolio-management/) [ Due Diligence Framework ](https://25financial.com/due-diligence-framework/) [ 25 vs Traditional Broker Dealers ](https://25financial.com/traditional-broker-dealers/) [ 25 vs RIA Aggregators ](https://25financial.com/major-ria-aggregators/) [ High Net Worth Investors and Alternatives ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) # One-Pagers To Learn More [ Roth IRA Conversions ](https://25financial.com/wp-content/uploads/2024/11/Roth-IRA-Conversion.pdf) [ Reasons to Consider Alternative Investments ](https://25financial.com/wp-content/uploads/2024/11/4-Reasons-Physicians-And-High-Net-Worth-Investors-Should-Consider-Alternative-Investment-Funds-in-Their-Portfolio.pdf) [ Factors to Consider Purchases Alternatives ](https://25financial.com/wp-content/uploads/2024/11/5-Factors-Physicians-and-Other-High-Net-Worth-Investors-Should-Consider-Before-Investing-in-Alternative-Investments.pdf) [ What is a Donor Advised Fund (DAF) ](https://25financial.com/wp-content/uploads/2024/11/What-is-a-Donor-Advised-Fund.pdf) [ Understanding Credit Freezes ](https://25financial.com/wp-content/uploads/2024/11/Understanding-Credit-Freezes.pdf) [ Term vs Whole Life Insurance ](https://25financial.com/wp-content/uploads/2024/11/Term-vs-Whole-Life-Insurance.pdf) [ Summary of Disability Insurance ](https://25financial.com/wp-content/uploads/2024/11/A-Summary-of-Disability-Insurance.pdf) [ 1099 vs W2 Tax Differences ](https://25financial.com/wp-content/uploads/2024/11/Independent-Contractor-Pros-and-Cons.pdf) [ Hire Your Children - Tax Deductions ](https://25financial.com/wp-content/uploads/2024/11/Strategies-for-Hiring-Children-for-Tax-Deductions.pdf) --- ### [Brian Sanguinet](https://25financial.com/team/brian-sanguinet/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Brian-Square-1024x1024.jpg "Brian - Square - 25 Financial - 25 Financial") ## Brian Sanguinet ### Senior Financial Advisor Brian Sanguinet has a passion to work with physicians and their families to construct a comprehensive financial plan. He knows that a physician’s time with his or her family and patients is most important. Brian holds a degree in Finance from the University of Missouri-Columbia as well as his Series 7, Series 66, and Series 63 licenses. In his spare time, Brian enjoys advanced strength training, recreational sports, traveling to new countries, and volunteering for a youth wrestling team. *View this investment professional on [BrokerCheck](https://brokercheck.finra.org/) *by [FINRA](http://www.finra.org/).** --- ### [Careers](https://25financial.com/careers/) **Published:** April 8, 2026 **Author:** Pavin White **Content:** ## Financial Careers ![](https://25financial.com/wp-content/uploads/2026/01/Advisors-2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ## Join Our Team 25 Financial is a private wealth management firm providing financial planning for physicians, business owners, entrepreneurs, and other high-net-worth accredited investors. Our wealth advisors stand for integrity, experience, and over-the-top service, understanding what it takes to help our clients achieve more of both time and money. Highly motivated financial professionals who are committed to excellence and passionate about providing financial planning and wealth management solutions under the fiduciary standard of care are encouraged to apply to join our team today. [ Apply Today ](#) ## RUN WITH US Helping advisors grow their practice and live life to its fullest potential - ### Our Stable of Services From back office support to traditional and alternative investment management, we will take care of you. You take care of your clients, leave the rest to us. - ### Our Strategy From work horses like stocks and bonds to race horses like alternative investment opportunities, our stables offer a wide variety of investments that cater to our client's unique needs and goals. - ### Our Promise We promise to provide turnkey practice management solutions to help advisors achieve more of both time and money. - ### Our Team With over 25 years of collective experience, Jeff and Randy Larson have been providing specialized services to advisors with sound strategies and exceptional performance. - ### Our Stable of Services From back office support to traditional and alternative investment management, we will take care of you. You take care of your clients, leave the rest to us. - ### Our Strategy From work horses like stocks and bonds to race horses like alternative investment opportunities, our stables offer a wide variety of investments that cater to our client's unique needs and goals. - ### Our Promise We promise to provide turnkey practice management solutions to help advisors achieve more of both time and money. - ### Our Team With over 25 years of collective experience, Jeff and Randy Larson have been providing specialized services to advisors with sound strategies and exceptional performance. ## Best in class tech stack: ![](https://25financial.com/wp-content/uploads/2026/04/Orion-Logo.png "Orion Logo - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/04/Salesforce-Logo-1024x717.webp "Salesforce Logo - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/04/Schwab-Logo-1.png "Schwab Logo (1) - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/04/AltExchange-Logo-1-2.png "AltExchange Logo (1) (2) - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/04/MGP-Logo-1-3-1024x683.png "MGP Logo (1) (3) - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/04/Subscribe-Logo-Edited-1.png "Subscribe Logo - Edited (1) - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/04/Logo_Holistiplan_-1024x267.png "Logo_Holistiplan_ - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2026/04/dab5d139-b832-4a7e-81e4-8127397f2080.png "dab5d139-b832-4a7e-81e4-8127397f2080 - 25 Financial - 25 Financial") ## We give our advisors more confidence, opportunities and time to grow their practices and enjoy the lives they've worked so hard to create. ## What we are looking for: - Bachelor's degree - Passed the Series 65 Licensing Exam - Minimum of 5 years of Financial Planning and Investment Advisory experience - Certified Financial Planner™ designation in good standing with the CFP Board of Standards, or is currently pursing or be willing to pursue CFP® designation - Passionate about delivering Financial Planning Solutions under the Fiduciary Standard of Care ## Reach out to us, we’d love to hear from you. [ Apply Today ](#) 25 Financial is an Equal Opportunity Employer. 25 Financial does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit and business need. --- ### [Tim Moore](https://25financial.com/team/tim-moore/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Tim-Square-1024x1024.jpg "Tim - Square - 25 Financial - 25 Financial") ## Tim Moore ### Financial Advisor Tim’s passion is helping people make good decisions with their finances. He loves working with a wide range of families, and is honored to be considered a partner in their financial success. His approach is that of a teacher, he doesn’t believe people make good decisions investing in things they don’t understand. With this in mind, he takes the time to do the research, consider all unique circumstances of the individual, and patiently walk them through investment choices custom-tailored to their needs. He holds a Series 7, Series 63, Series 65 and Life and Health Insurance licenses. When Tim is not serving his clients, he enjoys spending time with his wife and 2 children. Tim enjoys traveling, hobby farming, riding his motorcycle and exploring new restaurants. ![](https://25financial.com/wp-content/uploads/2026/01/Tim-fampic-1024x749.jpeg "Tim fampic - 25 Financial - 25 Financial") --- ### [Stephan Landing Page](https://25financial.com/sm/) **Published:** November 1, 2024 **Author:** Pavin White **Content:** ### Stephan McKee ![](https://25financial.com/wp-content/uploads/2026/01/Stephan-Square-650x650.jpg "Stephan - Square - 25 Financial - 25 Financial") [ Click here to schedule a quick conversation ](https://calendly.com/d/cw6k-s58-vhj/introductory-meeting) [ To learn more about me ](https://25financial.com/stephan-mckee/) ### Connect With Stephan Contact Us - Stephan First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. # Short Articles To Learn More [ 1099 vs W2 Tax Differences ](https://25financial.com/wp-content/uploads/2024/11/Independent-Contractor-Pros-and-Cons.pdf) [ Hire Your Children - Tax Deductions ](https://25financial.com/wp-content/uploads/2024/11/Strategies-for-Hiring-Children-for-Tax-Deductions.pdf) [ Roth IRA Conversions ](https://25financial.com/wp-content/uploads/2024/11/Roth-IRA-Conversion.pdf) [ Decreasing Your Taxes as a Physician ](https://25financial.com/wp-content/uploads/2024/11/Decreasing-Your-Taxes-as-a-Physician.pdf) [ Reasons to Consider Alternative Investments ](https://25financial.com/wp-content/uploads/2024/11/4-Reasons-Physicians-And-High-Net-Worth-Investors-Should-Consider-Alternative-Investment-Funds-in-Their-Portfolio.pdf) [ Factors to Consider Purchases Alternatives ](https://25financial.com/wp-content/uploads/2024/11/5-Factors-Physicians-and-Other-High-Net-Worth-Investors-Should-Consider-Before-Investing-in-Alternative-Investments.pdf) [ What is a Donor Advised Fund (DAF) ](https://25financial.com/wp-content/uploads/2024/11/What-is-a-Donor-Advised-Fund.pdf) [ Understanding Credit Freezes ](https://25financial.com/wp-content/uploads/2024/11/Understanding-Credit-Freezes.pdf) [ Term vs Whole Life Insurance ](https://25financial.com/wp-content/uploads/2024/11/Term-vs-Whole-Life-Insurance.pdf) [ Summary of Disability Insurance ](https://25financial.com/wp-content/uploads/2024/11/A-Summary-of-Disability-Insurance.pdf) --- ### [Stephan McKee](https://25financial.com/team/stephan-mckee/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Stephan-Square-1024x1024.jpg "Stephan - Square - 25 Financial - 25 Financial") ## Stephan McKee ### Financial Advisor Stephan is a reliable resource for physicians, high-net-worth individuals, and their families. As a former U.S. Army Major, he has a keen attention to detail and develops long range plans designed to identify, create, and accomplish the financial needs and goals of his clients. Stephan graduated from Westminster College in Fulton, MO with a B.S. in Biology with a pre-med focus. His education and preparation for the MCAT have given him an appreciation for the rigor and commitment his physician clients have undergone to be successful. He enjoys traveling, motorcycling, sailing, hiking, and playing the harp and piano. *View this investment professional on [BrokerCheck](https://brokercheck.finra.org/) *by [FINRA](http://www.finra.org/).** ![](https://25financial.com/wp-content/uploads/2020/05/Hannah_and_Stephan_Wedding_Weekend_Day_3_33-819x1024.jpg "Hannah & Stephan - 25 Financial - 25 Financial") --- ### [Generocity](https://25financial.com/generosity/) **Published:** July 17, 2025 **Author:** Pavin White **Content:** # Generosity “The generous will prosper; those who refresh others will themselves be refreshed.” King Solomon, Proverbs 11:25 ![](https://25financial.com/wp-content/uploads/2023/07/OasisWebpage-1-scaled.jpg "Group of War Refugees walking in cornfield. Syrian refugees cros - 25 Financial - 25 Financial") ## Life to the Fullest For thousands of years, ancient wisdom literature has cautioned against chasing after riches. King Solomon, the wealthiest and wisest King in recorded history cautions, “Such is the fate of all who are greedy for money; it robs them of life.” In a surprise twist, he advises listeners to “give freely and become more wealthy” stating that “the generous will prosper” and “those who refresh others will themselves be refreshed.” Generously giving without expectation unlocks the heart to become a joyful giver. This leads to true wealth which is more than just money. At 25, we can testify to this. We enjoy wealth and generously give wealth. In fact, the more we give away, the less control our possessions and wealth have over our lives. We believe this is how to live life to the fullest. ## Enjoy Wealth and Give Wealth The more we give away, the less control our possessions and wealth have over our lives. The less control they have over our lives, the less responsive we are to their demands. We now come home for family dinner instead of taking “just one more meeting.” The more family dinners, date nights and community we have, the more laughter, joy and peace of mind we obtain. We pass this peace of mind to our clients by remaining emotionally healthy and clear-headed when investigating investment opportunities, caring for our client’s comprehensive needs and remaining stable in uncertain times. ## Partner with 25 Financial **The benefits of generosity do not stop with us. There are real unmet needs that require our attention. 25 Financial gives the first 20% of all profits to charity. We hope to inspire others to give their wealth to worthy causes and organizations as well.** **We invite you to join us by participating in our upcoming events and campaigns and to continue to enjoy wealth and generously give wealth.** # 25 Financial and OASIS International **You are invited to join us Saturday, September 23rd, and participate in our upcoming event supporting OASIS International. We are thrilled to partner with OASIS as they provide education, housing, and a support system designed to welcome refugees and ensure they thrive.** --- ### [Physicians](https://25financial.com/who-we-serve/physicians/) **Published:** September 30, 2024 **Author:** Pavin White **Content:** # Physicians 25 Financial’s team of financial advisors for physicians knows that the financial situation for physicians is unlike that of the general public. That is why our dedicated certified financial planners (CFPs) specialize in providing personalized financial planning and wealth management services specifically tailored to medical professionals, including medical residents, business owners, dentists, and physicians. We stand for integrity, experience, and second-to-none financial advising services. Our team offers the services necessary to reach your financial goals, from retirement planning to managing student loan debt. ![](https://25financial.com/wp-content/uploads/2024/02/25-Stock-Photo-2-1300x650.jpg "25 Stock Photo 2 - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/09/loic-lextrait-AXK5XIxVDMc-unsplash-650x1300.jpg "loic-lextrait-AXK5XIxVDMc-unsplash - 25 Financial - 25 Financial") ## Why Physicians Need Financial Advisors From managing substantial student loan debt to securing disability and life insurance, navigating the financial situation of many physicians can be difficult without professional help. Our financial advisors provide comprehensive financial planning and advisory services designed to fit the unique needs of career physicians and other high-income medical professionals. Managing Student Loan Payments: Average medical school debt in the US is over $230,000, making loan repayment a primary concern for early-career physicians. We make tackling student debt easy, working with you to develop a comprehensive strategy covering income-driven repayment plans, loan forgiveness options, favorable tax strategies, and high-interest-rate loan refinancing opportunities. This way, you can manage your personal finances effectively and lay the foundation for long-term success. Establishing a Solid Financial Foundation: As a fee-only fiduciary financial advisor, 25 Financial is committed to putting your best interests first and avoiding all conflicts of interest. We do it all to lay the groundwork for success, from setting up a Roth IRA to reviewing risk management to optimizing your cash flow to establishing low-cost, high-reward investment plans for high earners in the healthcare industry. Protecting Your Income and Assets: We want to protect your financial life and financial independence. That starts with the right coverage. We help you select the right life insurance and disability insurance policies that offer the coverage you need, all while staying within your budget. Planning for the Future: We make the retirement planning and estate planning process easy. We learn your financial needs inside and out to create a tailored investment strategy that helps you prepare for the future. Our personalized approach to investment management and retirement accounts ensures that every dollar works toward your long-term financial security. Offering Expert Financial Advice: Our team of certified financial planners and registered investment advisors specialize in working with medical professionals. That means we have the experience and knowledge necessary to help you build emergency funds, find sources of retirement income, navigate complex tax-planning strategies, and more. ### Achieve Financial Wellness with 25 Financial You’ve dedicated your life to helping others. Let us help you achieve financial wellness. Connect with our team of experienced financial advisors to take control of your financial future. From managing student loans to planning for retirement, we provide comprehensive financial planning that empowers you to focus on what matters most: your career, your well-being, and your peace of mind. #### Contact Us Let’s work together to make your financial life as rewarding as your professional one. Our financial planners are available for vetting on FINRA’s BrokerCheck, so you can rest assured that you are hiring the right type of financial advisors for your needs. We work with healthcare professionals and high-net-worth individuals of all kinds. For more information or to schedule a consultation, please fill out a form or call us. [ Schedule a Consultation ](https://25financial.com/contact/) Disclosures: This page is intended for informational purposes only and should not be used as professional financial advice. Please consult with a professional financial consultant and perform your own analysis before making any financial decisions. For more questions about our fee structures and pricing, please contact us. --- ### [Medical Residents](https://25financial.com/who-we-serve/medical-residents/) **Published:** September 30, 2024 **Author:** Pavin White **Content:** # Financial Advisors for Medical Residents Plan Today for a Strong Financial Future At 25 Financial, we understand the unique challenges that medical residents face. As you work long hours and navigate demanding residency programs, financial planning might feel like the last thing on your mind. But this crucial period of your life is the perfect time to start laying the groundwork for a secure financial future. Our certified financial planners (CFPs) specialize in providing personalized financial planning and wealth management services specifically tailored to medical professionals, including medical residents, medical students, and dentists. We stand for integrity, experience, and over-the-top service, offering you guidance on managing student loan debt, planning for retirement, building an emergency fund, and securing your financial well-being. We help you clarify your financial goals and execute your plan with rigor, progress, and accountability. ![](https://25financial.com/wp-content/uploads/2024/02/doctors-shaking-hands-with-patient-standing-corridor-hospital-1300x650.jpg "doctors-shaking-hands-with-patient-standing-corridor-hospital - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/09/headway-5QgIuuBxKwM-unsplash-1300x650.jpg "headway-5QgIuuBxKwM-unsplash - 25 Financial - 25 Financial") ## Why Medical Residents Should Consult with 25 Financial Advisors Navigating the financial complexities of medical residency can be overwhelming. From managing substantial student loan debt to securing disability and life insurance, our financial advisors provide comprehensive financial planning designed to fit the unique needs of medical residents. Manage Student Loan Payments: With the average medical school debt reaching over $200,000, loan repayment is a significant concern for many residents. Our advisors work with you to understand income-driven repayment plans, loan forgiveness options, and high-interest-rate loan refinancing opportunities, helping you manage your personal finances effectively and set yourself up for long-term success. Establish a Solid Financial Foundation: As a fee-only, fiduciary financial advisor, 25 Financial is committed to putting your best interests first. We help you create a clear roadmap to meet your financial goals, from setting up a Roth IRA for a retirement savings account to optimizing your cash flow and managing expenses during your residency. Protect Your Income and Assets: Medical residents are often underinsured, leaving their income vulnerable to unexpected life events. Our advisors will guide you in selecting disability insurance and life insurance policies that provide the right amount of coverage without overextending your budget. With a focus on protecting your financial life, we ensure you’re prepared for whatever comes your way. Plan for the Future, Even Now: Retirement planning and estate planning might seem far off, but starting early can make all the difference. We work with you to develop investment strategies tailored to your risk tolerance, guiding you in building a nest egg that will grow alongside your career. Our personalized approach to investment management and retirement accounts ensures that every dollar works toward your long-term financial security. Expert Financial Advice from Trusted Providers: Our team of certified financial planners and investment advisors specialize in working with medical professionals. We provide tailored financial advice that considers your unique financial situation, helping you make informed decisions that align with your personal and professional goals. Whether you need guidance on building an emergency fund, understanding real estate opportunities, or navigating credit card debt, 25 Financial is here to support you every step of the way. ### Achieve Financial Wellness with 25 Financial You’ve dedicated your life to helping others. Let us help you achieve financial wellness. Connect with our team of experienced financial advisors to take control of your financial future. From managing student loans to planning for retirement, we provide comprehensive financial planning that empowers you to focus on what matters most: your career, your well-being, and your peace of mind. #### Contact Us Reach out to our advisors to start your journey toward financial stability and success. Let’s work together to make your financial life as rewarding as your professional one. We work with healthcare professionals and high-net-worth individuals of all kinds. For more information or to schedule a consultation, please fill out a form or call us. [ Schedule a Consultation ](https://25financial.com/contact/) Disclosures: Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. --- ### [High Net Worth Investors](https://25financial.com/who-we-serve/high-net-worth-investors/) **Published:** September 30, 2024 **Author:** Pavin White **Content:** # High Net Worth Financial Advisor Tailored Wealth Management for High-Net-Worth Individuals Navigating the complexities of wealth management requires expertise, foresight, and a personalized approach. At 25 Financial, we specialize in providing comprehensive financial planning and investment management services for high-net-worth (HNW) individuals, ultra-high-net-worth (UHNW) clients, entrepreneurs, and business owners. We understand that managing substantial assets involves more than just investment advice—it’s about crafting a strategy that meets your unique needs, aligns with your financial goals, and prepares you for the future. Our team is comprised of certified financial planners (CFPs) and other professionals with CPA or CFA designations. As a leading wealth management firm, we stand for integrity, experience, and a fiduciary duty to act in your best interest. Whether you are focused on growing your investable assets, protecting your wealth for future generations, or exploring complex investment strategies, our financial professionals are here to help you achieve more of both time and money. ![Our team is ready to help you achieve your financial and personal goals.](https://25financial.com/wp-content/uploads/2023/12/AdobeStock_279104502-1-edited-1300x650.jpeg "Our team is ready to help you achieve your financial and personal goals. - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/09/pexels-jakubzerdzicki-20142114-1300x650.jpg "pexels-jakubzerdzicki-20142114 - 25 Financial - 25 Financial") ## Why Consult with a High Net Worth Financial Advisor from 25 Financial? Managing significant wealth comes with unique challenges that require a sophisticated approach. Our advisory services are designed to address the specific financial needs of high-net-worth and ultra-high-net-worth individuals, providing you with access to expert financial advice, personalized strategies, and exclusive investment opportunities. Customized Financial Planning and Wealth Management: High-net-worth individuals have diverse and complex financial needs. Our team provides a comprehensive suite of wealth management and planning services, including estate planning, tax planning, retirement planning, and cash flow management. We tailor each strategy to reflect your financial situation, risk tolerance, and long-term objectives, ensuring that every aspect of your financial life is optimized. Specialized Investment Management and Alternative Investments: From private equity to real estate, alternative investments play a crucial role in diversifying your investment portfolio and enhancing returns. Our investment advisors offer strategic investment management that includes personalized asset allocation, tax-loss harvesting, and access to exclusive opportunities that are not available to the general public. Working with a variety of high-net-worth investors, it is our mission to focus on minimizing risk and maximizing growth, leveraging our expertise in high-net-worth and ultra-high-net-worth wealth management. Private Wealth Management and Family Office Services: For families with substantial assets under management (AUM), our private wealth management services provide a family office experience, integrating all aspects of wealth planning, from philanthropic giving and legacy planning to managing complex financial products and investment strategies. Our advisors work closely with your CPA, legal professionals, and other trusted advisors to ensure a cohesive and efficient approach to managing your wealth. Fee-Only, Fiduciary Advisors Committed to Your Success: As fee-only advisors, we are dedicated to providing unbiased financial advice that serves your best interests. With no conflicts of interest, our focus remains solely on helping you achieve your financial goals. We provide transparent advisory services, maintaining the highest fiduciary standards to build trust and confidence in our client relationships. Expertise in Tax Strategies and Risk Management: High-net-worth clients face unique tax challenges that require sophisticated planning. Our wealth advisors and tax professionals develop proactive tax strategies, including tax-efficient investing, charitable giving, and income optimization, to reduce your tax liabilities and protect your wealth. We also offer comprehensive risk management, ensuring your assets are safeguarded against market volatility and other financial risks. ### Achieve More with 25 Financial | Contact Our High Net Worth Financial Advisors Today You deserve more than generic advice. Partner with the top advisory firm for personalized financial services that align with your values and aspirations. Discover the difference our high-net-worth financial advisors can make in your financial life. Whether you are focused on growing your wealth, planning for retirement, or protecting your legacy, we are here to help you every step of the way. #### Contact Us Connect with our team of certified financial planners and investment advisors to begin your journey toward financial security and success. Let us help you achieve more with our expert guidance and commitment to your financial well-being. [ Schedule a Consultation ](https://25financial.com/contact/) Disclosures: Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. --- ### [Business Owners](https://25financial.com/who-we-serve/business-owners/) **Published:** September 30, 2024 **Author:** Pavin White **Content:** # Financial Advisors for Business Owners Empower Your Financial Future Running a business is a full-time commitment that requires you to juggle countless responsibilities. Amidst managing your company’s growth, overseeing day-to-day operations, and navigating complex financial decisions, it’s easy for personal financial planning to take a backseat. At 25 Financial, we specialize in providing wealth management and financial services for small business owners, entrepreneurs, and self-employed professionals. Our dedicated financial advisors are here to help you align your business and personal finances, ensuring you achieve your financial goals while preparing for a secure future. As fiduciary financial advisors, we bring integrity, experience, and over-the-top service to every client relationship. We understand the unique financial challenges that business owners face, from succession planning and risk management to investment strategy and tax planning. Let us help you clarify your goals and execute your financial plan with rigor, progress, and accountability so you can focus on what you do best—running your business. ![](https://25financial.com/wp-content/uploads/2024/08/pexels-fauxels-3184292-1300x650.jpg "pexels-fauxels-3184292 - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2023/02/AdobeStock_517710378_Preview-1000x650.jpeg "AdobeStock_517710378_Preview - 25 Financial - 25 Financial") ## Why Business Owners Should Consult with 25 Financial Advisors Navigating the financial landscape as a business owner can be daunting. Our team of certified financial planners (CFPs), investment advisors, and financial professionals are equipped with the expertise to provide tailored solutions that meet your unique needs. Business Financial Planning: As a business owner, your personal and business finances are deeply interconnected. Our holistic approach ensures that every aspect of your financial life is aligned, from cash flow management and budgeting to retirement savings and estate planning. We develop personalized financial strategies that reflect your unique financial situation, risk tolerance, and long-term goals. Succession and Exit Planning: Succession planning is crucial for business owners looking to ensure a smooth transition when the time comes to step back. Our wealth advisors guide you through the complexities of business succession, helping you create a plan that maximizes value, minimizes tax liabilities, and protects your legacy. Whether you plan to pass your business to the next generation, sell to a third party, or explore other exit strategies, we provide the expertise and financial advice needed to make informed decisions. Investment Management and Portfolio Strategy: Diversifying your investments beyond your business is key to building long-term financial security. Our investment advisers craft customized investment portfolios that balance growth and risk, ensuring your personal wealth remains robust regardless of business performance. We help you discover opportunities, allocate assets efficiently, and adjust your strategy as market conditions and your financial goals evolve. Tax Planning and Risk Management: Proactive tax planning is essential for taking advantage of tax deductions and optimizing cash flow. Our team collaborates with CPAs to implement tax-efficient strategies that enhance your bottom line. Additionally, we evaluate your insurance policies, including life insurance planning and disability insurance, to ensure you have the necessary coverage to protect both your business and personal assets against unforeseen risks. Retirement Planning for Business Owners: Retirement planning isn’t just about saving money—it’s about creating a strategy that aligns with your future vision. From establishing retirement accounts such as IRAs and 401(k)s to exploring tax-advantaged savings plans, we help you secure your financial future while navigating regulatory complexities. Fee-Only, Fiduciary Advisors Committed to Your Success: As fee-only advisors, our recommendations are unbiased, transparent, and always in your best interest. We adhere to the highest fiduciary standards, ensuring you receive financial advice that puts your needs first. Whether you’re focused on growing your business, protecting your assets, or planning for retirement, our personalized approach is designed to guide you through every financial decision with confidence.1 ### Achieve More with 25 Financial | Contact Our Advisors Today Running a business shouldn’t mean compromising your financial security. Partner with 25 Financial’s large and small business financial advisors to discover how comprehensive financial planning can empower your life, both professionally and personally. Our experienced advisors are ready to help you navigate the complexities of business ownership and achieve the financial future you envision. #### Contact Us Let's start the partnership with a valuation from one of our financial advisors. That way, we can begin your journey toward financial health and preserving wealth. For more information or to schedule a consultation, please fill out a form or call us. [ Schedule a Consultation ](https://25financial.com/contact/) Disclosures: Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. --- ### [Who We Serve](https://25financial.com/who-we-serve/) **Published:** September 30, 2024 **Author:** Pavin White **Content:** # Who We Serve **Team 25 Helps High-Net-Worth Professionals Plan for the Future** At 25 Financial, we understand the unique challenges that physicians and other high-net-worth professionals face. With your uniquely challenging schedule, financial planning might feel out of reach… but it’s not, with the right financial advisors. Team 25’s [certified financial planners (CFPs)](https://25financial.com/team/) provide tailor-made financial planning and wealth management services catered to high-net-worth individuals, including medical residents, physicians, business owners, and other healthcare professionals. We help you clarify your financial goals and execute your plan with enthusiasm and accountability. ![](https://25financial.com/wp-content/uploads/2024/09/pexels-vlada-karpovich-7433822-1024x683.jpg "pexels-vlada-karpovich-7433822 - 25 Financial - 25 Financial") ## The High-Net-Worth Clients We Serve ![](https://25financial.com/wp-content/uploads/2024/02/25-Stock-Photo-2-1300x650.jpg "25 Stock Photo 2 - 25 Financial - 25 Financial") ### Physicians Physicians are often saddled with student loan debt while still having to manage the stress of potential lawsuits and IRS audits. We help physicians develop a sound methodology for managing their financial situation, so they can feel secure in their future. [ LEARN MORE ](https://25financial.com/who-we-serve/physicians/) ![](https://25financial.com/wp-content/uploads/2024/02/assistant-3579026_1920-1300x650.jpg "assistant-3579026_1920 - 25 Financial - 25 Financial") ### Medical Residents The best time to start planning for the future is now. We help medical residents tackle student debt, loan repayment plans, and look forward to the future with the right investment and retirement planning services. [ LEARN MORE ](https://25financial.com/who-we-serve/medical-residents/) ![Our team is ready to help you achieve your financial and personal goals.](https://25financial.com/wp-content/uploads/2023/03/AdobeStock_279104502-1-1300x650.jpeg "Our team is ready to help you achieve your financial and personal goals. - 25 Financial - 25 Financial") ### Business Owners High-net-worth business owners can feel secure in the future of their company when partnering with Team 25 with our retirement planning, investment management, succession planning services, and more. [ LEARN MORE ](https://25financial.com/who-we-serve/business-owners/) ![](https://25financial.com/wp-content/uploads/2024/02/25-Stock-Photo-3-1300x650.jpg "25 Stock Photo 3 - 25 Financial - 25 Financial") ### High-Net-Worth Accredited Investors When you need an outside opinion on investment strategies, Team 25’s team of financial planning advisors is there to help, from alternative investment strategies to opportunity zone investment strategies. [ LEARN MORE ](https://25financial.com/who-we-serve/high-net-worth-investors/) ## Why You Should Consult with Team 25’s Financial Planning Advisors Our financial planning services are designed to help our clients navigate complex financial situations. From finding the right life insurance policies to reducing student loan debt, our fee-based advisory services can help. ### Asset and Estate Planning Make the estate planning process less overwhelming. Choose the team of experienced financial professionals for asset allocation and management, tax planning, and succession planning services. [ LEARN MORE ](https://25financial.com/services/estate-planning-advisor/) ### Debt and Loan Management Strategies Many medical professionals and business owners assume loans during their careers. Pay them off quickly and get started on building a healthy investment portfolio and retirement strategy that works in your favor and budget. [ LEARN MORE ](https://25financial.com/services/debt-management/) ### Student Loan Debt Management Take control of student debt and secure a financial future that’s bright. From student loan rehabilitation plans to college-planning strategies, we can help early-career physicians, medical residents, and medical students manage their financial situation early into their career. [ LEARN MORE ](https://25financial.com/services/student-loans/) ### Retirement Planning It’s never too early to start planning for the future. Ensure your retirement can be spent relaxing by setting a steady foundation now. [ LEARN MORE ](https://25financial.com/services/retirement-planning-advisor/) ### Tax Planning and Tax Strategies Take advantage of every tax exemption and reduce your tax burden, within full compliance of all laws and regulations. [ LEARN MORE ](https://25financial.com/services/tax-planning-advisor/) ### Investment Management and Planning Grow funds and build a healthy portfolio to build wealth now. Our team of financial advisors can help you every step of the way. [ LEARN MORE ](https://25financial.com/services/insurance-planning/) ### Insurance Planning Insurance planning for physicians and high-net-worth professionals is different from planning for the general public. Make sure you invest in the right insurance policies, annuities, and other financial products that can cover you in unexpected situations. [ LEARN MORE ](https://25financial.com/services/investment-planning-advisor/) ![](https://25financial.com/wp-content/uploads/2024/08/pexels-kampus-8815875-1300x650.jpg "pexels-kampus-8815875 - 25 Financial - 25 Financial") ## Achieve Financial Wellness with 25 Financial | Contact Our Advisors Today Our client’s best interest is at the heart of who we are and what we do. We take the time to get to know you: your risk tolerance, your financial needs, and your personal finance goals. In doing so, we help you develop a holistic financial planning strategy, so you can feel confident in your financial future. Other advisors charge unfair fees or tie their earnings directly to your mutual funds or other financial products in your investment portfolio. Not us. As fee-only advisors, 25 Financial is committed to putting your best interests first and avoiding all conflicts of interest, setting a high fiduciary standard. Our financial planners are available for vetting on FINRA’s BrokerCheck, so you can rest assured that you are hiring the right type of financial advisors for your needs. Connect with our team of financial professionals who have years of experience in the industry. They can help you take control of your financial future and develop a comprehensive plan that empowers you to focus on what matters most: your career and your peace of mind. #### Contact Us Let’s work together to make your financial life as rewarding as your professional one. For more information or to schedule a consultation so we can learn about your specific needs and goals, please fill out a form or call our financial planning advisors. [ Schedule a Consultation ](https://25financial.com/contact/) Disclosures: This page is intended for informational purposes only and should not be used as professional investment advice/financial advice or used to make financial decisions. Please schedule a consultation to learn more about one-time fees, annual fees, referrals, and more. --- ### [Tax Planning & Strategy](https://25financial.com/services/tax-planning-advisor/) **Published:** September 6, 2024 **Author:** Pavin White **Content:** # Tax Planning Services Advanced Tax-Planning Services for High-Net-Worth Individuals [ Schedule a Consultation ](https://25financial.com/contact/) Team 25 provides our clients with confidence. Confidence that their tax situation is in secure, capable hands. We help our high-net-worth clients take advantage of every tax-efficient, wealth management, and investment opportunity possible to maximize tax savings and reduce IRS tax burdens. 25 Financial’s experienced tax professionals offer the tax planning services that help our clients do just that. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ![](https://25financial.com/wp-content/uploads/2024/09/pexels-tara-winstead-7111489-1300x650.jpg "pexels-tara-winstead-7111489 - 25 Financial - 25 Financial") ## Our Top Tax Planning Strategies We’re the financial advisors who make sure all applicable tax codes and tax laws work for our clients, not the other way around. To that end, we go above and beyond standard deductions for our clients. Some of the tax-saving methods we employ to help our filers maximize savings on tax returns include the following: ### Retirement Planning Planning for the future is important for Team 25 and our clients. We help clients convert retirement savings accounts in ways that make sense for them. One major strategy we employ is moving pre-tax contributions from a traditional IRS to a Roth IRA retirement account. [ LEARN MORE ](https://25financial.com/services/retirement-planning-advisor/) ### Estate Planning Filing all estate planning documents correctly and in a timely manner is crucial for making sure someone’s will is executed without a hitch. We take the time to learn more about our clients so we know more about their plans for their own long-term care, asset division, and care of any minor children or other dependents they have. Based on that knowledge, we help our clients file the legal documents they need to set their affairs in order and reduce estate taxes owed to any beneficiaries. [ LEARN MORE ](https://25financial.com/services/estate-planning-advisor/) ### Cost Segregation Services We oversee cost segregation studies to reduce our clients’ obligations for income taxes. [ LEARN MORE ](https://25financial.com/services/cost-segregation/) ### 1031 Exchange For clients who wish to defer taxes on capital gains, we recommend 1[031 exchanges for IRS-compliant properties and real estate investments](https://www.irs.gov/pub/irs-news/fs-08-18.pdf). [ LEARN MORE ](https://25financial.com/services/1031-exchange/) ### Succession Planning Many high-net-worth individuals need to ensure that their organizations will have a seamless transition of leadership after they pass or can no longer assume leadership responsibilities. We help plan for the future by implementing succession planning strategies that ensure successful leadership transitions and also help reduce tax liabilities on company assets. ### Securing Tax Credits High-net-worth individuals, like **business owners** and **physicians**, may be eligible for unique tax credits. We take calculated steps to find all available tax credits and deductions for our clients. ### Real Estate Management Our wealth management strategies are based in large part in our real estate management services. By helping our clients filing real estate portfolios in the most tax-efficient way possible, we help our clients save thousands each year in state and local taxes owed. ### Documenting Charitable Donations [Our clients are generous](https://25financial.com/generosity/). We help clients keep track of tax-free charitable gifting to reduce taxable income. ### Filing S-Corp Status One of our top tax-filing strategies for clients who own their own business or practice is to file it with S-Corp status, when appropriate. This status establishes the business as a pass-through entity, granting our clients major tax benefits[ like reducing tax liabilities and eliminating corporate tax burdens](https://25financial.com/tax-mitigation-strategies/). ### Establishing Direct Indexing Portfolios Establishing direct indexing portfolios helps our clients reduce overall tax bills through means like tax-loss harvesting. ### Securing Tax Write-Offs Individual tax write-offs can greatly reduce taxes owed. The process of finding and filing for them, however, can be time-consuming. That’s where Team 25 comes in. We find all possible tax write-offs for our clients with business expenses like mortgage payments and utilities. ![](https://25financial.com/wp-content/uploads/2024/08/pexels-rdne-7821914-1300x650.jpg "pexels-rdne-7821914 - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/08/pexels-n-voitkevich-6863529-1300x650.jpg "pexels-n-voitkevich-6863529 - 25 Financial - 25 Financial") ## Invest More with 25 Financial - **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. - **Plan.** We provide options to meet your goals and recommend the best approach. - **Act.** We follow through to ensure the full plan is implemented. - **Review.** Life often brings change, so we regularly review and reassess the plan. ## We Know That Tax Planning for High-Net-Worth Individuals is Different Financial planning and[ wealth management for high-net-worth individuals](https://25financial.com/services/) is far different from planning for the general public. It takes experience, technical knowledge, and creative thinking to secure the best possible financial future for these people. At 25 Financial, we believe in an[ unbiased and comprehensive approach to financial planning](https://25financial.com/services/financial-planning/) for these individuals. Our extensive financial plans include proactive tax-planning services,[ investment management](https://25financial.com/services/investment-planning-advisor/), [insurance planning](https://25financial.com/services/insurance-planning/), [estate planning](https://25financial.com/services/estate-planning-advisor/),[ debt management](https://25financial.com/services/debt-management/),[ retirement planning](https://25financial.com/services/retirement-planning-advisor/), [student loan management](https://25financial.com/services/student-loans/), and[ benefits planning](https://25financial.com/physicians/employee-benefits/). [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation ](https://25financial.com/contact/) --- ### [Student Loan Debt Management](https://25financial.com/services/student-loans/) **Published:** September 6, 2024 **Author:** Pavin White **Content:** # Financial Planning Services from Qualified Student Loan Financial Advisors **Advanced Loan Planning, Debt Management, and Other Financial Advisory Services for Physicians, Students, and High-Net-Worth Professionals** [ Schedule a Consultation ](https://25financial.com/contact/) Team 25’s student loan financial advisors work tirelessly to provide our clients with peace of mind that their financial future is secure. We do so by taking advantage of every student loan management, wealth management, and investment opportunity at our disposal. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ![](https://25financial.com/wp-content/uploads/2024/09/pexels-mikhail-nilov-6963030-scaled.jpg "pexels-mikhail-nilov-6963030 - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/09/pexels-n-voitkevich-8927462-1300x650.jpg "pexels-n-voitkevich-8927462 - 25 Financial - 25 Financial") ## Our Debt Management and Student Loan Services It’s no secret that higher education in the United States is expensive. That fact is especially true for students going into high-powered professions like healthcare. Average medical school debt, for example,[ is well over $200,000](https://students-residents.aamc.org/premed-navigator/how-much-does-it-cost-attend-medical-school-here-s-breakdown). Many doctors and similar professions earn substantial salaries right out of school, but it can still take them years, if not decades, to pay down their loans. Many of these individuals assume they have to wait until their debts are paid before they can start saving for retirement or building an investment portfolio. That simply is not the case, however. Team 25’s student loan advisers help students and recent grads in high-paying professions navigate the loan process, loan repayment options, and other financial services that give these individuals the foundation for a strong financial future. Our student loan, financial planning, and debt management services for students and recent graduates include: ### Student Loan Consultations What works for one client won’t necessarily work for another. We sit down with each client, get to know their unique financial situation, and help them select the best loans or grants for their needs and financial goals. ### College Planning The best place to start is at the beginning. Our higher education planning services can help students reduce the amount of student loan debt they assume and establish a repayment plan quickly while still building investments for the future. ### Student Loan Forgiveness Plans We work closely with qualifying borrowers to find the right loan forgiveness program that can erase most, if not all, of their debt. Many high-net-worth individuals, like physicians, find that working for nonprofit organizations qualifies them for a public service loan forgiveness program. Other times, we work together to find loan forgiveness programs that better match our clients’ long-term personal finance goals. ### Student Loan Refinancing Plans If student loan forgiveness is not possible, we work with clients on how to best manage their student loan repayment plan. One strategy is to refinance the loan, thereby establishing a more affordable, income-driven repayment plans with better interest rates and lower monthly payments. ### Other Repayment Options Our financial planners work tirelessly with lenders to secure better student loan payment plans options for student loan borrowers (of both federal student loans and private student loans) through methods like forbearance, deferment, debt/loan consolidation, and loan rehabilitation. ### Simultaneous Investment Strategies Investing for the future doesn’t have to hold off until student loans are completely forgiven or repaid. In fact, we recommend the opposite for our clients with student loan debt: to start investing and building for retirement right away. [ LEARN MORE ](https://25financial.com/services/tax-planning-advisor/) ### Tax Planning Working in healthcare can be complicated enough without having to deal with complex tax codes. We help students and future physicians file taxes in the most efficient and money-saving ways possible. [ LEARN MORE ](https://25financial.com/services/retirement-planning-advisor/) ### Retirement Planning Having loans now doesn’t mean planning for the future is impossible. We help our clients plan for retirement in a way that’s both realistic and in line with our clients’ later-life goals. ## Invest More with 25 Financial - **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. - **Plan.** We provide options to meet your goals and recommend the best approach. - **Act.** We follow through to ensure the full plan is implemented. - **Review.** Life often brings change, so we regularly review and reassess the plan. ## We Know That Financial Planning for Students is Different We believe in an unbiased approach to financial planning that must always be in our clients’ best interest. Team 25’s student loan financial advisors have the expertise to take the unique financial situation of our clients into account for a holistic wealth management strategy that leads to better financial futures. Our student loan planners’ extensive financial services include student loan management services, [debt management](https://25financial.com/services/debt-management/), [estate planning](https://25financial.com/services/estate-planning-advisor/), [benefits planning](https://25financial.com/physicians/employee-benefits/), [retirement planning](https://25financial.com/services/retirement-planning-advisor/),[ tax planning](https://25financial.com/services/tax-planning-advisor/),[ investment management](https://25financial.com/services/investment-planning-advisor/),[ and insurance planning](https://25financial.com/services/insurance-planning/). [ Learn More About Our Estate Planning Financial Advisors ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation with a Registered Investment Adviser ](https://25financial.com/contact/) ![](https://25financial.com/wp-content/uploads/2024/09/money-5885626_1920-1300x650.jpg "money-5885626_1920 - 25 Financial - 25 Financial") --- ### [Retirement Planning](https://25financial.com/services/retirement-planning-advisor/) **Published:** September 6, 2024 **Author:** Pavin White **Content:** # Retirement Planning Services Advanced Retirement Planning Services for High-Net-Worth Individuals [ Schedule a Consultation ](https://25financial.com/contact/) Planning for the future is planning for success. 25 Financial helps clients plan for success from the beginning of their careers as students to their golden years in retirement. Team 25 offers retirement planning services that give our clients confidence and peace of mind that their financial goals will be met, even those later in life. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ![](https://25financial.com/wp-content/uploads/2024/08/pexels-fauxels-3184292-1300x650.jpg "pexels-fauxels-3184292 - 25 Financial - 25 Financial") ## Our Top Retirement Planning Strategies We’re the experienced financial advisors helping our clients secure better financial futures for themselves and their beneficiaries. ### Estate Planning Estate planning is a process that takes time. We get to know each client so we can craft a tailored approach to estate planning, including learning about their goals for asset division, care for dependents, and more. Based on this knowledge, we can help our clients file all correct documents and take all other necessary steps they need to set their affairs in order and give them peace of mind. [ LEARN MORE ](https://25financial.com/services/estate-planning-advisor/) ### Tax Planning Our team knows the tax breaks, retirement accounts, write-offs, deductions, and portfolios that reduce the amount of taxes high-net-worth individuals (and their beneficiaries and dependents) owe. [ LEARN MORE ](https://25financial.com/services/tax-planning-advisor/) ### Insurance Planning We help our clients enroll in the right insurance plans to cover their late-life healthcare costs. [ LEARN MORE ](https://25financial.com/services/insurance-planning/) ### Annuity Investment Social security benefits will only take our clients so far. That is why we help our clients invest in the right annuity products, to ensure they have a reliable source of supplemental retirement income. ### Succession Planning Many of our clients want to ensure that their legacies stand the test of time. To that end, many want to ensure a seamless transition of leadership for their business after they pass. We help plan for the future by implementing succession planning strategies that ensure successful leadership transitions and secure our clients’ business legacies. ### Real Estate Management Real estate investment advisory services are a major part of our wealth management strategies. Part of this management is selecting the right filing status for properties to alleviate future tax burdens and reduce uncertainty regarding real estate portfolios. ### Implementing Backdoor Roth IRA Strategies Making a simple switch can go a long way to long-term savings. Team 25’s financial planners help clients convert their retirement savings accounts, including moving pre-tax contributions from traditional IRAs to Roth IRA retirement accounts. ![](https://25financial.com/wp-content/uploads/2024/09/loic-lextrait-AXK5XIxVDMc-unsplash-650x1300.jpg "loic-lextrait-AXK5XIxVDMc-unsplash - 25 Financial - 25 Financial") ## Invest More with 25 Financial - **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. - **Plan.** We provide options to meet your goals and recommend the best approach. - **Act.** We follow through to ensure the full plan is implemented. - **Review.** Life often brings change, so we regularly review and reassess the plan. ## We Know That Retirement Planning for High-Net-Worth Individuals is Different Financial planning and[ wealth management for high-net-worth individuals](https://25financial.com/services/) requires the work of a skilled team of financial professionals who know how to secure the brightest financial future possible. At 25 Financial, we believe in an[ unbiased and comprehensive approach to financial planning](https://25financial.com/services/financial-planning/) for these individuals. Our extensive financial services include retirement planning services,[ student loan management](https://25financial.com/services/student-loans/),[ tax planning](https://25financial.com/services/tax-planning-advisor/),[ investment management](https://25financial.com/services/investment-planning-advisor/),[ insurance planning](https://25financial.com/services/insurance-planning/),[ estate planning](https://25financial.com/services/estate-planning-advisor/),[ debt management](https://25financial.com/services/debt-management/), and[ benefits planning](https://25financial.com/physicians/employee-benefits/). [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation ](https://25financial.com/contact/) --- ### [Investment Planning](https://25financial.com/services/investment-planning/) **Published:** November 4, 2024 **Author:** Pavin White **Content:** # Investment Planning Advisors ***Helping you build a secure, diversified, and growth-oriented portfolio.*** Achieving your financial goals requires a strategic approach to investing—one that accounts for your financial situation, risk tolerance, and long-term plans. At 25 Financial, our team of investment management advisors works with physicians, medical residents, and high-net-worth clients to build investment strategies that grow wealth, preserve assets, and support a better financial future. With a commitment to integrity, experience, and personalized guidance, we help you make the most of every dollar, hour, and opportunity. ![](https://25financial.com/wp-content/uploads/2026/01/25-Financial-Team-1300x650.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ## Why Consult With 25 Financial Advisors for Investment Planning? Our financial advisors and Certified Financial Planners (CFPs) are dedicated to providing comprehensive investment advisory services. For medical residents managing student loans, high-net-worth individuals seeking diversification, or those beginning retirement planning, we offer personalized tax advice and strategies. As a registered investment adviser and fiduciary, we prioritize transparency and act in your best interests, helping you build financial planning you can rely on. **Experience in Complex Financial Situations**: We understand the unique financial landscape of healthcare professionals, high-net-worth individuals, and business owners. Our advisors craft bespoke strategies that reflect the distinct financial lives of our clients, incorporating a broad array of investment products—everything from IRAs and brokerage accounts to insurance products and retirement savings plans. As an investment advisor registered with the SEC, we adhere to rigorous standards and make use of FINRA’s BrokerCheck to ensure our clients’ peace of mind in choosing a reliable advisory firm. **Dedicated Fiduciary Support**: We provide conflict-free investment advice that is tailored to your situation. Whether your focus is long-term goals, risk management, or estate planning, our advisory services are designed with your peace of mind and financial well-being in mind. Each plan includes the use of planning tools and subsidiaries to create a cohesive approach to wealth management and asset protection. With us, your financial future is in capable hands, supported by expert guidance and access to the Form CRS that outlines our commitments and responsibilities to you. ## Alternative Investment Strategy In today’s dynamic landscape, alternative investments are essential for portfolio diversification and potential outperformance. Our wealth management team specializes in providing high-net-worth individuals and accredited investors access to exclusive alternative investments. We utilize a rigorous due diligence process, ensuring every opportunity is carefully vetted and aligned with your goals. Our alternative investment strategies can include real estate syndications, private equity, and various structured products. By leveraging these high-potential investment vehicles, we help you achieve a portfolio that balances growth, stability, and the flexibility to meet both short- and long-term objectives. We work closely with trusted providers and subsidiaries to deliver a curated selection of alternative investments, ensuring alignment with your goals and risk tolerance. [ LEARN MORE ](https://25financial.com/services/alternative-investments/) ![](https://25financial.com/wp-content/uploads/2024/09/pexels-jessica-bryant-592135-1370704-1300x650.jpg "pexels-jessica-bryant-592135-1370704 - 25 Financial - 25 Financial") ## Opportunity Zone Investing At 25 Financial, we also specialize in Opportunity Zone investments—designed for accredited investors looking to drive growth while benefiting from substantial tax incentives. Opportunity Zone investing allows you to reinvest capital gains into qualifying projects in designated areas, with potential tax deferral on those gains and, under specific conditions, a tax-free appreciation on the new investment. Our advisors provide the guidance and expertise needed to navigate this highly regulated opportunity, aligning it with your overall wealth management and tax planning strategy. By incorporating Opportunity Zone investments, we offer a unique pathway to support community growth, diversify portfolios, and reduce tax liability. For high-net-worth individuals and entrepreneurs interested in long-term growth and legacy planning, this type of investment offers a compelling strategy with substantial tax advantages. Plus, we ensure regulatory compliance and transparency, so you can pursue these opportunities with confidence. [ LEARN MORE ](https://25financial.com/services/opportunity-zone-investment/) ![](https://25financial.com/wp-content/uploads/2018/09/ServicesHeader-1300x650.jpg "ServicesHeader - 25 Financial - 25 Financial") ## Achieve MORE | Contact Us Invest with partners who understand your financial needs. Our investment planning advisors are here to offer personalized strategies, unmatched support, and the expertise you need to achieve more with your wealth. Let’s work together to secure a future that brings you peace of mind. With brokerage services and our registered investment adviser status, we can provide you with a full suite of investment products and advisory solutions. Every plan we create is built around careful analysis, comprehensive planning, and the knowledge that every investment carries a possible loss, which we aim to mitigate with smart, tailored strategies. ### FAQs What types of investment products do you offer? We provide a range of investment products, including mutual funds, ETFs, and alternative investments like private equity and real estate. Each product is selected based on a thorough evaluation of your financial goals, risk tolerance, and long-term strategy. As registered investment advisors, our approach includes the highest standards of fiduciary duty, ensuring our recommendations align with your best interests. How does 25 Financial handle investment risk? Our advisors carefully assess and manage investment risks through asset allocation, portfolio rebalancing, and diversification strategies. By integrating planning tools and subsidiaries into our approach, we ensure each client’s portfolio is optimized for potential growth while mitigating risks in line with their comfort level. What is a fiduciary, and why is it important? As fiduciaries, we are legally obligated to act in your best interests. Our team provides conflict-free advice, ensuring that every recommendation is made with your financial goals and well-being at the forefront. We abide by FINRA’s BrokerCheck standards and Form CRS to provide transparency and accountability to our clients. Can you help with tax planning related to investments? Yes, we incorporate tax-efficient strategies into our investment planning services. We work closely with your tax advisors or CPA to minimize your tax liabilities and maximize after-tax returns, including tax-deferred accounts like IRAs and potential deductions. Additionally, we stay compliant with FINRA and SEC industry standards to best serve your tax and investment needs. Are there eligibility requirements for alternative investments or Opportunity Zone investing? Yes, some investments, such as Opportunity Zones and private equity, may require accreditation and other eligibility standards. Our advisors can guide you through these requirements to determine suitable investment opportunities. We provide full transparency regarding these eligibility standards. ## Contact Us Ready to take control of your financial future? Connect with us today to learn more about how our financial planning services can help you achieve your goals. Schedule a consultation with 25 Financial and let us guide you toward financial freedom. [ Schedule a Consultation ](https://25financial.com/contact/) ***Disclosure**: Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions.* --- ### [Debt and Loan Management Strategy](https://25financial.com/services/debt-management/) **Published:** August 12, 2024 **Author:** Pavin White **Content:** # Debt Management Financial Advisor **Helping you achieve financial security, stability, and peace of mind.** Managing debt can be a complex and overwhelming process, especially for high-net-worth individuals with diverse financial portfolios. At 25 Financial, we specialize in debt management, helping clients reduce their liabilities, lower interest rates, and achieve financial stability. Our comprehensive approach integrates personalized financial planning, credit counseling, and investment management to ensure your financial goals are met efficiently and effectively. ## Why Consult with a 25 Financial Advisor for Debt Management? **Expertise in Personal Finance and Debt Management:** Our financial advisors have extensive experience in managing various types of debt, including credit card debt, student loans, and personal loans. We understand the intricacies of debt consolidation, debt settlement, and refinancing, providing tailored solutions that align with your financial situation and long-term objectives. **Customized Debt Management Plans**: At 25 Financial, we offer personalized money management plans that are comprehensive and unbiased. Our advisors work closely with you to develop strategies such as the debt avalanche or debt snowball methods, ensuring you pay off high-interest debts first and reduce your overall liabilities. We also provide guidance on balance transfers and debt consolidation loans to streamline your monthly payments and lower interest rates. **Financial Counseling and Credit Improvement:** Improving your credit score is a critical aspect of effective debt management. Don’t turn to a debt relief company. Our credit counselors provide actionable insights to enhance your credit report. We help you understand the impact of your credit score on your financial future and develop strategies to maintain a healthy credit profile. **Integrating Debt Management with Financial Planning:** Debt management is an integral part of comprehensive financial planning. Our advisors help you balance debt repayment with other financial goals such as retirement planning, estate planning, and building an emergency fund. We ensure that your debt management plan supports your overall financial stability and future growth. **Fiduciary Responsibility and Fee-Only Services:** As fiduciaries, our advisors are committed to acting in your best interest. We provide fee-only services, ensuring our advice is unbiased and tailored to your needs. Our dedication to integrity, experience, and over-the-top service sets us apart, providing you with the confidence to achieve your financial goals. ## Building a Secure and Comfortable Future | Contact 25 Financial At 25 Financial, our financial planners don’t just work with physicians; we cater to high-net-worth individuals from all walks of life. Whether you’re dealing with credit card debt, student loans, or other liabilities, our team of experienced financial professionals is here to help you achieve financial freedom and stability. Contact us today to schedule a consultation and take the first step towards a debt-free future. ### FAQs What is debt management? Debt management involves developing strategies to reduce and eliminate debt, improve credit scores, and achieve financial stability. This can include debt consolidation, credit counseling, and personalized debt repayment plans. Why should I consult with a financial advisor for debt management? A financial advisor provides personalized advice and strategies that align with your financial goals. They help you develop a comprehensive debt management plan, negotiate with lenders, and integrate debt repayment with other financial planning objectives. What are the benefits of debt consolidation? Debt consolidation involves combining multiple debts into a single loan with a lower interest rate. This simplifies your monthly payments and can reduce your overall interest costs, helping you pay off debt faster. How can I improve my credit score? Improving your credit score involves making timely payments, reducing credit card balances, and avoiding new debt. Our advisors provide credit counseling and strategies to enhance your credit report and maintain a healthy credit profile. What is the difference between debt avalanche and debt snowball methods? The debt avalanche method involves paying off debts with the highest interest rates first, while the debt snowball method focuses on paying off the smallest debts first. Both strategies aim to reduce overall debt, but the best method depends on your financial situation and goals. Can 25 Financial help with student loan debt? Yes, we offer comprehensive strategies for managing and reducing student loan debt. This includes refinancing options, income-driven repayment plans, and integrating student loan repayment with your overall financial plan. What are fee-only services? Fee-only services mean that our advisors are compensated solely through client fees, not through commissions or other incentives. This ensures our advice is unbiased and always in your best interest. How can debt management support my retirement planning? Effective debt management frees up financial resources that can be redirected toward retirement savings and investments. Our advisors help you balance debt repayment with other financial goals, ensuring a secure and comfortable retirement. What should I do if I face unexpected expenses? Building an emergency fund is crucial to handle unexpected expenses without derailing your debt management plan. Our advisors help you establish and maintain a robust emergency fund as part of your comprehensive financial plan. How do I get started with 25 Financial? Contact us today to schedule a consultation with one of our experienced financial advisors. We will work with you to develop a personalized debt management plan that aligns with your financial goals and helps you achieve financial freedom. ## Contact Us For more information or to schedule a consultation with one of our financial advisors, please visit our website or call us. Let 25 Financial be your trusted partner in achieving your debt management goals. Rigor, Progress, Accountability – The 25 Financial Way. Contact us now. [ Schedule a Consultation ](https://25financial.com/contact/) *Disclosures: Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions.* --- ### [Estate & Asset Planning](https://25financial.com/services/estate-planning-advisor/) **Published:** August 12, 2024 **Author:** Pavin White **Content:** # Estate Planning Services from Qualified Financial Advisors **Advanced Estate Planning, Wealth Management, and Advisory Services for High-Net-Worth Professionals** [ Schedule a Consultation ](https://25financial.com/contact/) Team 25’s estate planning financial advisors work tirelessly to provide our clients with peace of mind that their financial future is secure. We do so by taking advantage of every wealth management and investment opportunity at our disposal. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ### Asset Management and Protection ![](https://25financial.com/wp-content/uploads/2024/08/pexels-kampus-8815875-1300x650.jpg "pexels-kampus-8815875 - 25 Financial - 25 Financial") The estate planning process can be overwhelming without professional help. That’s where our asset management strategies can be of service. Our strategy includes asset allocation, protection, and management to ensure that our clients’ assets, like real estate and bank accounts, will be handled and distributed accordingly. This process can help bypass probate or make the probate process run smoother for beneficiaries. [ Learn More ](https://25financial.com/services/financial-asset-protection/) ### Tax Planning ![](https://25financial.com/wp-content/uploads/2024/08/pexels-n-voitkevich-6863529-1300x650.jpg "pexels-n-voitkevich-6863529 - 25 Financial - 25 Financial") Our team of tax advisors knows how to file assets and taxes to reduce the burden of estate taxes on beneficiaries. [ Learn More ](https://25financial.com/services/tax-planning-advisor/) ### Retirement Planning ![](https://25financial.com/wp-content/uploads/2024/08/pexels-rdne-7821914-1300x650.jpg "pexels-rdne-7821914 - 25 Financial - 25 Financial") Part of securing a brighter financial future is to look ahead to retirement. Our retirement planning strategies take into account the sort of inheritance our clients wish to bequeath to their loved ones after passing. [ Learn More ](https://25financial.com/services/retirement-planning-advisor/) ### Life Insurance Planning ![](https://25financial.com/wp-content/uploads/2024/08/pexels-fauxels-3184292-1300x650.jpg "pexels-fauxels-3184292 - 25 Financial - 25 Financial") Finding the right life insurance policies is just the first step. We also help clients properly establish policies with the right beneficiary designations and continually keep these legal documents up to date to reduce the stress of managing estate planning documents after a family member’s passing. ### Succession Planning ![](https://25financial.com/wp-content/uploads/2024/08/pexels-anna-nekrashevich-6802048-1300x650.jpg "pexels-anna-nekrashevich-6802048 - 25 Financial - 25 Financial") Many high-net-worth individuals have their own businesses and organizations that they manage. Succession planning for these individuals is necessary to ensure that there will be a smooth transition of leadership after they pass. ### Estate Planning Documents ![](https://25financial.com/wp-content/uploads/2024/08/pexels-kampus-8815875-1300x650.jpg "pexels-kampus-8815875 - 25 Financial - 25 Financial") Filing all estate planning documents correctly and in a timely manner is crucial for making sure someone’s will is executed without a hitch. We take the time to learn more about our clients so we know more about their plans for their own long-term care, asset division, and care of any minor children or other dependents they have. Based on that knowledge, we help our clients file the legal documents they need to set their affairs in order, including power of attorney, living will, living trust, and last will. ## Invest More with 25 Financial **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. **Plan.** We provide options to meet your financial goals and recommend the best approach. **Act.** We follow through to ensure the full plan is implemented. **Review.** Life often brings change, so we regularly review and reassess the plan. ## We Know That Financial Planning for High-Net-Worth Professionals is Different The financial life of high-net-worth individuals is vastly different from planning for the general public. Team 25 has the expertise to take the unique financial situation of these individuals into account for a holistic wealth management strategy that leads to better financial futures for our clients. We believe in an unbiased approach to financial planning that must always be in our clients’ best interest. Our extensive financial plans include benefits planning, insurance planning, tax planning strategies, debt management strategies, investment planning, retirement planning, estate planning, and asset protection. [ Learn More About Our Estate Planning Financial Advisors ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation with a Registered Investment Adviser ](https://25financial.com/contact/) --- ### [Financial Planning](https://25financial.com/services/financial-planning/) **Published:** August 12, 2024 **Author:** Pavin White **Content:** # Financial Planning **Advanced Wealth Management and Advisory Services for Physicians and Other High-Net-Worth Professionals.** [ Schedule a Consultation ](https://25financial.com/contact/) We help our clients take advantage of every wealth management and investment opportunity. Team 25’s financial advisors offer the financial advice and financial planning services allow our clients to have more confidence, time, and peace of mind knowing their finances are secure. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ## Top Financial Planning Strategies for High-Net-Worth Clients 25 Financial is a registered investment advisor, member FINRA/IEX/SIPC, and we base our financial decisions on a broad range of metrics, client goals, and past performance. Our comprehensive planning and wealth management services for our high-net-worth clients include, but are not limited to, the following. ### Estate Planning ![](https://25financial.com/wp-content/uploads/2024/08/pexels-kampus-8815875-1300x650.jpg "pexels-kampus-8815875 - 25 Financial - 25 Financial") Estate planning is complicated at the best of times. For high-net-worth professionals, this process can be overwhelming. That’s where our comprehensive estate planning services can help. Our strategy includes asset allocation, protection, and management; tax planning; and succession planning to ensure that our clients’ assets and estate will be handled accordingly after they pass. [ Learn More ](https://25financial.com/services/estate-planning-advisor/) ### Investment Management ![](https://25financial.com/wp-content/uploads/2024/08/pexels-anna-nekrashevich-6802048-1300x650.jpg "pexels-anna-nekrashevich-6802048 - 25 Financial - 25 Financial") Our investment advisory services—from portfolio management to investment in mutual funds to investment advice—always take into account factors like our clients’ risk tolerance and retirement goals to maximize future results. [ Learn More ](https://25financial.com/services/investment-planning-advisor/) ### Tax Planning ![](https://25financial.com/wp-content/uploads/2024/08/pexels-n-voitkevich-6863529-1300x650.jpg "pexels-n-voitkevich-6863529 - 25 Financial - 25 Financial") Our team of tax advisors knows the tax breaks, retirement accounts, write-offs, deductions, and portfolios that reduce the amount of taxes high-net-worth individuals owe. [ Learn More ](https://25financial.com/services/tax-planning-advisor/) ### Debt Management ![](https://25financial.com/wp-content/uploads/2024/08/pexels-rdne-7821914-1300x650.jpg "pexels-rdne-7821914 - 25 Financial - 25 Financial") Many high-net-worth professionals, like physicians, [assume an exceptional amount of debt.](https://students-residents.aamc.org/premed-navigator/how-much-does-it-cost-attend-medical-school-here-s-breakdown) We help our clients establish a roadmap to reducing the amount of debt owed and how to pay back loans in the most efficient ways possible. [ Learn More ](https://25financial.com/services/debt-management/) ### Retirement Planning ![](https://25financial.com/wp-content/uploads/2024/08/pexels-fauxels-3184292-1300x650.jpg "pexels-fauxels-3184292 - 25 Financial - 25 Financial") It’s never too early *or* too late to start securing a financial future that’s bright. We help our clients plan for retirement in a way that’s both realistic and in line with our clients’ later-life goals. [ Learn More ](https://25financial.com/services/retirement-planning-advisor/) ### Benefits Planning ![](https://25financial.com/wp-content/uploads/2024/08/pexels-gabby-k-5849564-1300x650.jpg "pexels-gabby-k-5849564 - 25 Financial - 25 Financial") When it comes to employee benefits planning, it pays to have a team of experts assess the financial situation so they can recommend the best course of action, beyond simply recommending which insurance products to invest in. [ Learn More ](https://25financial.com/physicians/employee-benefits/) ## Invest More with 25 Financial **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. **Plan.** We provide options to meet your financial goals and recommend the best approach. **Act.** We follow through to ensure the full plan is implemented. **Review.** Life often brings change, so we regularly review and reassess the plan. ## We Know That Financial Planning for High-Net-Worth Professionals is Different The financial life of high-net-worth individuals is vastly different from planning for the general public. Team 25 has the expertise to take the unique financial situation of these individuals into account for a holistic wealth management strategy that leads to better financial futures for our clients. We believe in an unbiased approach to financial planning that must always be in our clients’ best interest. Our extensive financial plans include benefits planning, insurance planning, tax planning strategies, debt management strategies, investment planning, retirement planning, estate planning, and asset protection. [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation with a Registered Investment Adviser ](https://25financial.com/contact/) --- ### [1031 Exchange](https://25financial.com/services/1031-exchange/) **Published:** September 6, 2024 **Author:** Pavin White **Content:** # 1031 Exchange Advisors ***Achieve More with Comprehensive Real Estate Tax Opportunities*** Navigating the complexities of a 1031 exchange can be challenging for high-net-worth individuals looking to defer capital gains taxes while diversifying their real estate investment portfolio. At 25 Financial, we specialize in 1031 exchange advisory services, providing expert guidance through every step of the exchange process. Our approach ensures that your investment property transactions align with your financial goals and comply with IRS regulations, offering you peace of mind and maximizing your investment potential. ## Why Consult with a 25 Financial Advisor for a 1031 Exchange? **Expertise in Real Estate Investment and Tax Deferral** Our advisors understand the intricacies of 1031 exchanges, including the identification of suitable replacement property and the role of a qualified intermediary. We work closely with you to ensure a seamless transition from your relinquished property to a new property, deferring capital gains taxes and optimizing your cash flow. By consulting with 25 Financial, you gain access to our extensive knowledge of the tax code, internal revenue code (IRC), and tax deferral strategies that align with your long-term financial objectives. **Comprehensive 1031 Exchange Management** We provide end-to-end 1031 exchange services, guiding you through the identification of like-kind exchange properties, adhering to strict timelines, and managing the exchange transaction. Our due diligence ensures compliance with IRS exchange rules and that your replacement property meets the requirements for a successful exchange. We also coordinate with tax advisors, CPAs, and broker-dealers to ensure all aspects of your exchange process are handled professionally. **Diversification and Investment Strategy** At 25 Financial, we believe in the power of diversification. Our investment advisors help you explore various options, including DST (Delaware Statutory Trust) properties, TIC (Tenants in Common) structures, and net lease investments, to meet your investment goals. Whether you’re considering multi-family, commercial real estate, or other real property types, our team ensures your portfolio remains robust and diversified, aligning with your overall estate planning and financial strategy. **Ensuring Compliance and Minimizing Tax Liabilities** Compliance with IRS regulations is crucial for a successful 1031 exchange. Our advisors ensure that all terms, timelines, and documentation are meticulously followed, reducing your risk of tax liabilities. We assist taxpayers with the proper filing of your tax return, ensuring that your exchange transaction qualifies as a tax-deferred exchange under the IRC. ## 1031 Exchanges for Physicians Physicians often hold investment properties as part of their diversified portfolios. A 1031 exchange allows them to defer capital gains taxes by exchanging a relinquished property for a suitable replacement property, such as a medical office or other commercial real estate. By doing so, physicians can maximize their cash flow and reinvest in properties that better meet their long-term investment goals. At 25 Financial, we specialize in helping physicians navigate the 1031 exchange process, ensuring compliance and optimizing their real estate investment strategy. ![](https://25financial.com/wp-content/uploads/2024/08/pexels-fauxels-3184292-650x1300.jpg "pexels-fauxels-3184292 - 25 Financial - 25 Financial") ## Secure Tax Deferral, Boost Property Wealth | Contact 25 Financial At 25 Financial, we provide 1031 exchange advisory services not just for physicians but for high-net-worth individuals of all kinds. Our expertise in real estate investment, tax planning, and compliance ensures a seamless and successful exchange process. Contact us today to learn how our 1031 exchange services can help you achieve your financial goals and maximize your investment potential. ### FAQs What is a 1031 exchange? A 1031 exchange, also known as a tax-deferred exchange, allows property owners to defer paying capital gains taxes on the sale of an investment property by reinvesting the proceeds into a like-kind replacement property. Why should I use a qualified intermediary for a 1031 exchange? A qualified intermediary is required to facilitate the exchange process, holding the proceeds from the sale of the relinquished property and ensuring compliance with IRS regulations. Using a qualified intermediary helps maintain the tax-deferred status of the exchange. What types of properties qualify for a 1031 exchange? Eligible properties for a 1031 exchange include real estate investment properties such as commercial real estate, multi-family units, and other like-kind properties. The exchange must involve real property used for business or investment purposes. What are the key timelines in a 1031 exchange? The IRS requires that the replacement property be identified within 45 days of selling the relinquished property, and the exchange must be completed within 180 days. Adhering to these timelines is crucial for maintaining the tax-deferred status of the exchange. How does a 1031 exchange benefit real estate investors? A 1031 exchange allows real estate investors to defer capital gains taxes, enabling them to reinvest in more valuable properties and diversify their portfolios. This tax deferral strategy helps maximize cash flow and supports long-term financial growth. Can I use a 1031 exchange for estate planning purposes? Yes, a 1031 exchange can be a valuable tool for estate planning, allowing property owners to defer taxes and transfer wealth to heirs in a tax-efficient manner. By holding replacement properties in a DST or TIC structure, investors can simplify the management and transfer of assets. What is a Delaware Statutory Trust (DST) in the context of a 1031 exchange? A DST is a legal entity that allows multiple investors to hold fractional interests in real estate properties. It is a suitable replacement property option for 1031 exchanges, offering diversification and passive management. How does depreciation factor into a 1031 exchange? Depreciation recapture is deferred in a 1031 exchange, allowing investors to defer taxes on the depreciation taken on the relinquished property. This can significantly reduce the tax liability associated with selling an investment property. What happens if I fail to meet the IRS timelines for a 1031 exchange? Failure to meet the 45-day identification or 180-day exchange completion timeline may result in the exchange being disqualified for tax deferral. The transaction would then be subject to capital gains taxes. How do I get started with a 1031 exchange at 25 Financial? Contact us today to schedule a consultation with one of our experienced 1031 exchange advisors. We will guide you through the process, ensuring compliance and helping you achieve your real estate investment goals. ## Contact Us For more information or to schedule a consultation with one of our financial advisors, please visit our website or call us. Let 25 Financial be your trusted partner in achieving your goals. Rigor, Progress, Accountability – The 25 Financial Way. Contact us now. [ Schedule a Consultation ](https://25financial.com/contact/) *Disclosures: Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* *25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* --- ### [Cost Segregation Accelerated Depreciation](https://25financial.com/services/cost-segregation/) **Published:** September 6, 2024 **Author:** Pavin White **Content:** # Cost Segregation Advisors ***Unlocking the hidden potential of your* *real estate* *investments through strategic* *tax planning* *is vital for maximizing returns.*** At 25 Financial, our cost segregation services are designed to help high-net-worth investors, property owners, and business owners accelerate depreciation deductions, enhance cash flow, and significantly reduce tax liability. By conducting a thorough cost segregation study, we ensure your commercial property investments yield the highest tax savings possible, allowing you to reclassify and capitalize on building components that can be depreciated over shorter periods. ## Why Consult with a 25 Financial Advisor for Cost Segregation? **Expertise in Real Estate and Tax Savings:** Our team of experienced financial advisors specializes in cost segregation analysis, offering insights that align with the latest tax law and IRS guidelines. By breaking down the building’s cost into various components, we identify opportunities for accelerated depreciation, enabling substantial tax savings. Whether it’s a commercial property, office building, or rental property, our comprehensive cost segregation tax services ensure you benefit from bonus depreciation and other incentives designed to reduce taxable income. **Maximizing Cash Flow and Reducing Tax Liability:** At 25 Financial, we understand the importance of cash flow for real estate investors and business owners. Our cost segregation studies are tailored to uncover the maximum depreciation deductions, minimizing your tax liability and freeing up capital for reinvestment. We work closely with CPA firms and tax professionals to integrate cost segregation into your overall tax strategy, ensuring compliance and optimizing your financial outcomes. **Customized Cost Segregation Studies for Diverse Property Types:** Our advisors provide personalized cost segregation services for a wide range of property types, including commercial buildings, new construction, leasehold improvements, and residential properties. Each study is conducted using a meticulous methodology that considers the specific characteristics of your property, from land improvements to tangible property regulations, ensuring every tax benefit is leveraged to your advantage. **Seamless Integration with Tax Planning:** Cost segregation is not just about depreciation; it’s a powerful tax planning tool. At 25 Financial, we integrate cost segregation into your broader tax strategy, working with tax professionals to ensure that your tax return reflects the full spectrum of available deductions and tax credits. This approach reduces your income tax burden and aligns with your long-term financial goals. ## Cost Segregation for Physicians Physicians who invest in real estate can benefit significantly from cost segregation services. By conducting a cost segregation study on their medical office buildings, they can accelerate depreciation, reduce taxable income, and enhance cash flow. This strategy not only provides immediate tax benefits but also allows physicians to reinvest in their practice or other real estate opportunities, maximizing their financial returns. At 25 Financial, we specialize in helping physicians navigate the complexities of cost segregation, ensuring compliance and optimal tax savings. ![](https://25financial.com/wp-content/uploads/2024/09/pexels-jakubzerdzicki-20142114-1300x650.jpg "pexels-jakubzerdzicki-20142114 - 25 Financial - 25 Financial") ## Unlock Hidden Tax Savings | Contact 25 Financial At 25 Financial, our cost segregation services are not limited to physicians. We cater to high-net-worth individuals, business owners, and property owners across various industries. Our expertise in tax planning, commercial real estate, and financial strategy ensures you receive comprehensive support tailored to your specific needs. Contact us today to learn how our cost segregation services can help you maximize tax savings and optimize your investment potential. ### FAQs What is a cost segregation study? A cost segregation study is an analysis that identifies and reclassifies personal property assets to shorten the depreciation time for taxation purposes, resulting in accelerated depreciation deductions and tax savings. How does cost segregation benefit real estate investors? Cost segregation allows real estate investors to accelerate depreciation, reduce taxable income, and improve cash flow. This strategy enhances the financial performance of investment properties by leveraging tax savings. What types of properties can benefit from cost segregation? Commercial properties, office buildings, rental properties, new construction, and leasehold improvements are all suitable candidates for cost segregation studies. The strategy can also be applied to residential properties under certain circumstances. How does 25 Financial ensure compliance with IRS guidelines? We work closely with CPAs and tax professionals to ensure that all findings are properly documented and reported on your tax return. What is bonus depreciation, and how does it relate to cost segregation? Bonus depreciation allows taxpayers to immediately deduct a significant percentage of the purchase price of eligible business assets. Through cost segregation, assets can be reclassified to qualify for bonus depreciation, enhancing tax savings. Can cost segregation be applied to properties already in use? Yes, cost segregation can be applied to properties that have been in use for several years. A catch-up depreciation deduction can be taken, allowing property owners to claim missed tax deductions in the current tax year. How do I get started with cost segregation at 25 Financial? Contact us today to schedule a consultation with one of our experienced advisors. We will guide you through the process, ensuring compliance and working towards maximizing your tax savings. What is the role of a CPA firm in cost segregation? CPA firms play a crucial role in implementing the findings of a cost segregation study. They ensure that the depreciation schedule is updated, tax returns are accurately filed, and all deductions are properly claimed. How does cost segregation impact tax liability? By accelerating depreciation deductions, cost segregation reduces taxable income, resulting in lower tax liability. This strategy provides immediate tax relief and enhances cash flow. Are there any risks associated with cost segregation? While cost segregation is a powerful tax strategy, it must be conducted accurately and in compliance with IRS guidelines to avoid potential IRS audits. Our advisors work with CPA partners ensure that every study is thorough and meets all regulatory requirements. ## Contact Us For more information or to schedule a consultation with one of our financial advisors, please visit our website or call us. Let 25 Financial be your trusted partner in achieving your goals. Rigor, Progress, Accountability – The 25 Financial Way. Contact us now. [ Schedule a Consultation ](https://25financial.com/contact/) ***Disclosure**: Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* *25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* --- ### [Nashville Areas Served](https://25financial.com/nashville-areas-served/) **Published:** March 1, 2024 **Author:** Pavin White **Content:** # Financial Planning in Nashville, Tennessee ##### Specializing in Physicians, Business Owners, and other High-Net-Worth accredited investors. ###### Building a financial plan is like building a house – you start with the foundation, not the 2nd floor. These items aren’t exciting, but they need to be in place if you want to have a stable platform to build from. Our comprehensive financial plans include insurance review and planning, debt management strategies, employee benefits planning and analysis, investment planning, proactive tax strategies, college, retirement and legacy planning, and estate and asset protection planning. Wealth management for physicians is unlike financial planning for the general public. Physicians graduate with loads of student loan debt, begin retirement planning later in life, have shorter time horizons to reach their much larger-than-average retirement income goals and have a target on their back for lawsuits and taxes throughout their careers. As a team, we will strive to provide relevant insight to assist you as you invest more and do more with your life. The world of wealth management and finance is constantly evolving, so we aim to make it easy for our clients to stay up-to-date on the latest changes. We are honored to offer our experience and knowledge of the wealth management field to better equip and inform your investment decisions. We believe in the benefit of including alternative investment opportunities that can bring the kind of returns that drive out-performance. To evaluate investment opportunities, we use an extensive due diligence model, adapted from some of the top private equity firms in the industry. Our creative and carefully-vetted partnerships bring a range of opportunities to our clients. [ Contact Us Today To Learn More ](https://25financial.com/contact/) [ Read More About Our Principles ](https://25financial.com/blog/) ![](https://25financial.com/wp-content/plugins/elementor/assets/images/placeholder.png) ![](https://25financial.com/wp-content/uploads/2026/01/Brad-Square-650x650.jpg "Brad - Square - 25 Financial - 25 Financial") # Brad Meyers, CFP® ### Partner, Financial Planner ##### Brad has offered comprehensive financial planning services to physicians and high net worth individuals all over the country since 2015. He is passionate about helping clients develop goals as well as finding the most efficient ways to achieve them, whether that’s exploring risk mitigation/alternative investments/asset allocation strategies/etc. Brad is a Certified Financial Planner® as well as a fiduciary. Brad lives in Nashville, TN with his wife, Natalie, and their two boys. In his spare time he enjoys running, traveling, mountain biking, and most importantly spending time with his family. [ Email Brad ](mailto:brad.meyers@25financial.com) [ Call Brad ](tel:7142224902) [ Contact Us Today To Learn More ](https://25financial.com/contact/) [ Read More About Our Principles ](https://25financial.com/blog/) ## Outrun Investors with Disciplined Investing Similarly, our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper and investors compete against each other for the most efficient financial participation in these companies (i.e. [Shark Tank](https://abc.com/shows/shark-tank/about-the-show)). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. How? Remain diversified through disciplined investing according to your pre-determined investment plan. Do not chase or react to markets. Unfortunately, emotions war against our ability to do this. To begin, our brains are not wired for disciplined investing: ## Comprehensive Wealth Management ## Comprehensive Wealth Management Wealth management and financial planning for physicians includes a number of components such as insurance, taxes, retirement planning, employer benefits, estate planning, employment contracts and mortgage planning to name a few. We are a one-stop resource for our clients so they can rest assured nothing will be missed. ## Alternative Investments ## Alternative Investments We believe in the benefit of including alternative investment opportunities that can bring the kind of returns that drive out-performance. To evaluate investment opportunities, we use an extensive due diligence model, adapted from some of the top private equity firms in the industry. Our creative and carefully-vetted partnerships bring a range of opportunities to our clients. ## Financial Insights ## Financial Insights Have questions about financial planning for physicians, alternative investments, tax planning, and other investment strategies to grow wealth? You’ll find financial planning answers here.nts. ## Serving these Iowa neighborhoods and more: ###### Amber Hills Financial Planning Belle Meade Financial Planning Belmont Financial Planning Brentwood Financial Planning Crieve Hall Financial Planning Davidson County Financial Planning Elliston Place Financial Planning Forest Hills Financial Planning Franklin Financial Planning Germantown Financial Planning Green Hills Financial Planning Hillsboro Financial Planning Hillwood Financial Planning Hillwood Estates Financial Planning Melrose Financial Planning Montcastle Financial Planning Music Row Financial Planning Nashville Financial Planning Oak Hills Financial Planning Sylvan Park Financial Planning The Gulch Financial Planning West Meade Financial Planning Williamson County Financial Planning ###### Amber Hills Financial Advisor Belle Meade Financial Advisor Belmont Financial Advisor Brentwood Financial Advisor Crieve Hall Financial Advisor Davidson County Financial Advisor Elliston Place Financial Advisor Forest Hills Financial Advisor Franklin Financial Advisor Germantown Financial Advisor Green Hills Financial Advisor Hillsboro Financial Advisor Hillwood Financial Advisor Hillwood Estates Financial Advisor Melrose Financial Advisor Montcastle Financial Advisor Music Row Financial Advisor Nashville Financial Advisor Oak Hills Financial Advisor Sylvan Park Financial Advisor The Gulch Financial Advisor West Meade Financial Advisor Williamson County Financial Advisor --- ### [Brad Contact Card](https://25financial.com/bradqr/) **Published:** January 30, 2025 **Author:** Pavin White **Content:** ## Brad Meyers, CFP® ![](https://25financial.com/wp-content/uploads/2026/01/Brad-Square-1024x1024.jpg "Brad - Square - 25 Financial - 25 Financial") ##### Senior Financial Planner, Partner [ Call Brad Meyers ](tel:17142224902) [ Text Brad Meyers ](sms:17145875184) [ Email Brad Meyers ](mailto:brad.meyers@25financial.com) [ 25 Financial Website ](http://www.25financial.com) ###### [135 West Adams Avenue St Louis, Missouri 63122](https://maps.app.goo.gl/cY94jbUnd3UVkXgy8) --- ### [Tax Planning](https://25financial.com/physicians/tax-planning/) **Published:** June 4, 2024 **Author:** Pavin White **Content:** # Tax Planning for Doctors Advanced Tax-Planning Services for Physicians and Other Medical Professionals [ Schedule a Consultation ](https://25financial.com/contact/) 25 Financial’s goal is to provide our clients with more confidence, time, and peace of mind by taking advantage of every wealth management and investment opportunity. Team 25’s tax professionals offer the tax planning services that offer our clients just that. We find relevant tax breaks for healthcare professionals that reduce the amount of taxes they owe. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ## Top Tax Planning Strategies for Physicians ![](https://25financial.com/wp-content/uploads/2024/09/pexels-tara-winstead-7111489-1300x650.jpg "pexels-tara-winstead-7111489 - 25 Financial - 25 Financial") We’re the financial advisors who make sure tax laws and tax codes work for our clients. We go beyond standard deductions for physicians and other high-income individuals and take calculated steps to alleviate our clients’ tax burden from the IRS. Some of the tax-saving methods we employ to help our filers save money on tax returns include: Securing Tax Credits I am item content. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Filing Real Estate Investments Real estate investments are a major part of our wealth management strategies for doctors. Filing real estate portfolios correctly can help our clients save thousands each year. We help clients find the right filing status for real estate investments. Implementing Backdoor Roth IRA Strategies Managing retirement accounts for physicians can be tricky without the help of qualified professionals. Team 25 helps clients convert their retirement savings accounts, including moving pre-tax contributions from traditional IRAs to Roth IRA retirement accounts. Documenting Charitable Donations [Doctors in the US are overwhelmingly generous with their time and resources](https://jcompassionatehc.biomedcentral.com/articles/10.1186/s40639-015-0017-0). We document all qualifying tax-free charitable donations to reduce clients’ taxable income. Finding the Right Tax Deductions Physicians may be eligible for certain deductions on their taxes. We note all available tax deductions on medical expenses like health insurance premiums and malpractice insurance for both standard and locum tenens healthcare practitioners. Filing S-Corp Status Many of our clients have their own practice; we make sure these practices are filed in the most tax-saving way possible. We help clients select[ S-Corp status for their business](https://www.investopedia.com/terms/s/subchapters.asp), if appropriate, to establish it as a pass-through entity. This classification offers tax advantages like eliminating corporate tax burdens and reducing tax liabilities. Establishing Direct Indexing Portfolios Team 25 manages the right type of portfolios for our clients. We help them establish[ a direct indexing portfolio](https://www.investopedia.com/direct-indexing-5205141) for tax-loss harvesting and other purposes to reduce overall tax bills. Securing Tax Write-Offs Finding each individual tax write-off can be time-consuming; we take that burden away from our clients. We find available tax write-offs for business expenses like mortgage interests and utilities if home offices are used to help manage records or another aspect of a medical practice. ## Invest More with 25 Financial - **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. - **Plan.** We provide options to meet your goals and recommend the best approach. - **Act.** We follow through to ensure the full plan is implemented. - **Review.** Life often brings change, so we regularly review and reassess the plan. ## We Know That Tax Planning for Physicians is Different Financial planning for the general public doesn’t come close to wealth management and planning for our nation’s doctors. After all, they graduate with mountains of debt, start retirement planning later than average, and are popular targets for lawsuits and the IRS. At 25 Financial, we believe in an unbiased and comprehensive approach to financial planning for doctors, an approach that must always be in each one’s best interest. Our extensive financial plans include insurance review and planning; debt management strategies; employee benefits planning and analysis; investment planning; proactive tax strategies; college savings, retirement, and legacy planning; estate and asset protection planning; and tax planning services for doctors. [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation ](https://25financial.com/contact/) ***Disclosure**: We are not tax professionals, so please consult with your own tax professional before implementing any strategy discussed.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any investment decisions.* --- ### [Retirement Planning for Physicians](https://25financial.com/physicians/retirement-planning/) **Published:** July 1, 2024 **Author:** Pavin White **Content:** # Retirement Planning for Physicians *Helping you achieve financial security and stability in your retirement.* Retirement planning is a crucial aspect of financial security, especially for physicians who face unique challenges such as high student loan debt, late career start, and the need to manage substantial retirement savings. At 25 Financial, we specialize in retirement planning for physicians, providing tailored strategies that ensure a comfortable retirement. Our comprehensive approach integrates tax-advantaged accounts, investment planning, and asset protection to help you build a robust nest egg and achieve your retirement goals. ## Why Consult with a 25 Financial Advisor for Physician Retirement Planning? **Expertise in Healthcare and Financial Planning** Healthcare professionals are some of the highest-earning Americans. Our investment advisors understand this unique financial landscape and recognize that your path to retirement involves managing medical school debt, maximizing retirement accounts, and planning for potential burnout and career transitions. Our expertise ensures that your retirement strategy aligns with your professional journey and financial goals. **Customized Retirement Plans** At 25 Financial, we offer personalized retirement plans that are comprehensive and unbiased. Whether you are looking to invest in mutual funds, real estate, or tax-advantaged accounts like Roth IRAs and SEP IRAs, our financial planners tailor strategies to suit your risk tolerance, retirement age, and long-term objectives. We provide guidance on asset allocation to diversify your portfolio and maximize returns. **Maximizing Tax-Advantaged Accounts** Navigating the complexities of tax-advantaged accounts is essential for effective retirement planning. Our advisors help you optimize your contributions to Roth IRAs, traditional IRAs, and employer-sponsored retirement plans. We also implement strategies such as backdoor Roth IRAs and tax-deferred accounts to minimize your tax burden and maximize your retirement savings. **Comprehensive Financial Security** Beyond retirement accounts, we offer a range of financial planning services to ensure your financial security. This includes pension plans, profit-sharing plans, cash balance plans, and defined benefit plans. Our goal is to help you build a comprehensive savings plan that ensures a steady retirement income and financial stability. **Managing Investment Risk** The stock market can be volatile, but our advisors are here to guide you through uncertain times. We help you develop a robust investment strategy that includes a mix of asset classes to reduce risk and enhance stability, ensuring your retirement portfolio remains resilient through market fluctuations. ![](https://25financial.com/wp-content/uploads/2024/09/pexels-jakubzerdzicki-20142114-1024x683.jpg "pexels-jakubzerdzicki-20142114 - 25 Financial - 25 Financial") ## Building a Secure and Comfortable Retirement | Contact 25 Financial [ Contact 25 Financial ](https://25financial.com/contact/) Planning for retirement as a physician requires a specialized approach, and 25 Financial is dedicated to providing the expertise and personalized service you need. Contact us today to schedule a consultation and learn more about how we can help you achieve your retirement goals and enjoy a comfortable retirement. ![](https://25financial.com/wp-content/uploads/2024/09/pexels-mikhail-nilov-6962994-1024x683.jpg "pexels-mikhail-nilov-6962994 - 25 Financial - 25 Financial") ## FAQs What is retirement planning for physicians? Retirement planning for physicians involves creating a comprehensive strategy that addresses the unique financial challenges faced by medical professionals, including managing student loan debt, maximizing retirement savings, and ensuring financial security. Why is it important to consult with a financial advisor for retirement planning? A financial advisor provides personalized advice and strategies that align with your financial goals and professional journey. They help optimize your contributions to tax-advantaged accounts, manage investment risk, and ensure your retirement plan is comprehensive and unbiased. What are the benefits of a Roth IRA for physicians? A Roth IRA offers tax-free growth and tax-free qualified withdrawals in retirement. It is an excellent option for physicians who expect to be in a higher tax bracket in retirement, as Roth contributions are made with after-tax dollars. The Roth IRA protects you from paying future income tax rates, and this protection also continues for your heirs. How can I maximize my retirement savings as a physician? Maximizing retirement savings involves contributing to tax-advantaged accounts, such as Roth IRAs, traditional IRAs, and employer contribution plans. Our advisors help you implement strategies like backdoor Roth IRAs and optimize your asset allocation to grow your nest egg. What is a backdoor Roth IRA, and should I consider it? A backdoor Roth IRA is a strategy that allows high-income earners to contribute to a Roth IRA indirectly by converting a traditional IRA to a Roth IRA. This strategy can provide significant tax benefits and is ideal for physicians who exceed the gross income limits for direct Roth IRA contributions. What is a 401(K)? A 401(k) is a qualified defined contribution plan that enables physicians to make pre-tax contributions from their income, which then grow tax-deferred. This means that you’ll only pay taxes when you withdraw the funds during retirement. It’s a popular choice for doctors to build a substantial retirement nest egg. Can 25 Financial help with pension plans and profit-sharing plans? Yes, our advisors offer comprehensive planning for pension plans, profit-sharing plans, and other defined benefit plans. We help you design and implement these plans to ensure a steady retirement income and financial security. How do tax-advantaged accounts benefit my retirement plan? Tax-advantaged accounts, such as Roth IRAs, traditional IRAs, and SEP IRAs, provide significant tax benefits that can help grow your retirement savings more efficiently. Contributions may be tax-deductible, and earnings grow tax-free or tax-deferred. What strategies can I use to manage investment risk in my retirement portfolio? Diversifying your portfolio across different asset classes, such as mutual funds, real estate, brokerage accounts, and taxable accounts, can help manage investment risk. Our advisors develop tailored investment strategies to reduce volatility and ensure your portfolio remains resilient. What should I consider when planning for retirement as a self-employed physician? Self-employed physicians have unique retirement planning needs, including managing their own retirement accounts and tax-advantaged plans. Our advisors help you set up SEP IRAs, solo 401(k)s, and other plans to maximize your retirement savings and ensure financial stability. What is an SEP IRA? A Simplified Employee Pension (SEP) IRA is a retirement savings account designed for self-employed physicians or those in small practices. SEP IRAs offer higher contribution limits compared to traditional IRAs, making them ideal for doctors looking to catch up on their retirement savings. How can 25 Financial help with retirement income planning? Our advisors provide comprehensive retirement income planning, ensuring you have enough money to sustain your lifestyle in retirement. We help you design a withdrawal strategy, optimize your social security benefits, and ensure a steady income stream. ## Contact Us You did all the hard work. You deserve to enjoy your retirement. For more information or to schedule a consultation with one of our financial advisors, please visit our website or call us. Let 25 Financial be your trusted partner in achieving your retirement goals. [ Contact us today ](https://25financial.com/contact/) ***Disclosure**: We are not tax professionals, so please consult with your own tax professional before implementing any strategy discussed.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any investment decisions.* --- ### [Mortgage Loan Planning](https://25financial.com/physicians/mortgage-loan-doctor/) **Published:** June 4, 2024 **Author:** Pavin White **Content:** # Home Loans for Doctors **Our home loan consultation is comprehensive, unbiased, and always in the physician’s best interest.** At 25 Financial, we specialize in helping medical professionals navigate the home-buying process with confidence. Whether you are a first-time home buyer, a homeowner looking to refinance your existing mortgage, or considering purchasing an investment property or second home, our team of experienced financial advisors is here to support you every step of the way. We offer personalized advice, a thorough understanding of the real estate market, and help with exclusive mortgage programs designed for doctors. ## Why Consult with a Financial Advisor Before Buying a House? Purchasing a new home is a significant financial decision, especially for medical professionals who often graduate with substantial student loan debt, start retirement planning later in life, or are frequent targets for lawsuits and higher taxes throughout their careers. Consulting with a financial advisor before buying a house can provide several advantages: 1. **Customized Financial Planning**: Our advisors can help you understand how a home loan fits into your overall financial plan, considering factors such as loan amount, monthly payments, and future financial goals. 2. **Debt Management**: We can assist in managing your debt-to-income ratio (DTI) to improve your chances of qualifying for a mortgage loan, even if you have ongoing student loan payments from medical school. 3. **Budgeting**: Understanding your budget is crucial when determining how much you can afford to spend on a home. We help you plan for all expenses, including mortgage payments, property taxes, and home maintenance costs. 4. **Loan Options**: With numerous mortgage options available, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and physician mortgage loans, we can help you choose the best loan type for your situation. 5. **Refinancing**: If you already own a home, our advisors can assist with refinancing options to secure lower interest rates or better loan terms. 6. **Employment Contracts**: For new doctors and medical residents, understanding the implications of employment contracts on mortgage approval is essential. We provide guidance on how these contracts impact your loan-qualifying process. By addressing the unique financial challenges faced by physicians with a comprehensive, personalized, and rigorous approach, 25 Financial aims to provide borrowers with the tools and guidance needed to achieve financial stability and freedom, allowing them to focus on their professional and personal lives. #### Providing You With More Confidence, Time, and Peace of Mind Ready to explore your home loan options? Contact our financial advisors today to learn more about our physician mortgage loans and how we can help you achieve your homeownership goals. [ Contact 25 Financial ](https://25financial.com/contact/) ![](https://25financial.com/wp-content/uploads/2024/09/pexels-jessica-bryant-592135-1370704-1300x650.jpg "pexels-jessica-bryant-592135-1370704 - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/09/real-estate-6688945_1920-1300x650.jpg "real-estate-6688945_1920 - 25 Financial - 25 Financial") ### FAQs #### What is a physician mortgage loan? A physician mortgage loan, also known as a doctor mortgage loan, is a specialized home loan designed specifically for medical professionals, including MDs, DOs, DDSs, DMDs, DPMs, and DVMs. These loan programs are tailored to accommodate the unique financial situations of medical doctors, dentists, doctors of dental medicine, and other healthcare professionals. They often feature benefits such as low down payments, no private mortgage insurance (PMI), and favorable interest rates, making them an attractive option for those who are early in their careers and still managing significant student loan debt. Unlike conventional loans, these mortgages offer flexibility that aligns with the professional and financial circumstances of medical practitioners. #### What are the benefits of a physician mortgage loan? Physician mortgage loans typically offer lower down payments, no PMI, and competitive interest rates. They are designed to accommodate the financial circumstances of medical professionals, including those with high student loan debt and lower initial incomes. Compared to conventional mortgages, these loans can provide significant financial relief and easier qualification standards. #### How do I qualify for a physician home loan? Qualification criteria vary by mortgage lender, but generally, you need to have a medical degree (MD, DO, DDS, DMD, DPM, or DVM), a good credit score, and a manageable debt-to-income ratio. Employment contracts and proof of future income may also be required. Consulting with a loan officer who is knowledgeable about physician mortgage loans can help streamline the process. Additionally, some lenders may require you to purchase a primary residence or meet certain underwriting criteria. #### Can I refinance my existing mortgage with a physician mortgage loan? Yes, refinancing with a physician mortgage loan can be an excellent option if you want to take advantage of lower interest rates or better loan terms. Our advisors can help you evaluate your refinancing options, ensuring that you can secure a rate loan that fits your financial plan. This can be particularly beneficial if you are looking to reduce your monthly repayment amounts or pay off your loan faster. #### Do physician loans have higher interest rates? Physician home loans require no Private Mortgage Insurance (PMI), and because of this, they often have slightly higher interest rates compared to conventional mortgages. However, the overall benefits, such as lower down payments and flexible terms, typically outweigh the slight increase in interest rates. It’s important to discuss your options with a qualified loan officer to understand the full scope of these loans. #### Are there any specific loan programs for medical residents? Yes, some physician mortgage loans are tailored specifically for medical residents, offering favorable terms even if you are still in training and have a lower income. These programs recognize the potential for future high-income earning potential and provide flexible loan options that are not typically available with conventional loans. This includes provisions for low money down and more lenient underwriting standards to accommodate the early stages of a medical career. #### What distinguishes a physician mortgage loan from a conventional mortgage? Physician mortgage loans are specifically designed for medical professionals and often include benefits such as low down payments, no PMI, and favorable interest rates. These features cater to the unique financial situations of doctors, unlike conventional loans which may have stricter requirements and less flexibility. #### Can a physician mortgage loan be used to purchase a single-family home or condo? Yes, physician mortgage loans can be used to purchase a variety of property types, including single-family homes and condos. The primary requirement is typically that the property will serve as your primary residence. #### Are physician mortgage loans offered by equal housing lenders and insured by FDIC Yes, physician mortgage loans are offered by equal housing lenders, ensuring fair lending practices. However, they are not insured by the FDIC as this insurance typically applies to deposit accounts, not loans. ![](https://25financial.com/wp-content/uploads/2024/09/hand-holding-house-real-estate-property-model-1024x1024.jpg "Hand holding house real estate and property model - 25 Financial - 25 Financial") ## Contact Us For more information or to schedule a consultation with one of our financial advisors, please visit our website or call us. Let 25 Financial be your trusted partner in achieving your homeownership dreams. **Rigor, Progress, Accountability – The 25 Financial Way.** [ Contact us now ](https://25financial.com/contact/) ***Disclosure**: Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions.* --- ### [Medical Student Debt](https://25financial.com/physicians/medical-student-debt/) **Published:** June 4, 2024 **Author:** Pavin White **Content:** # Medical Student Debt Management Assistance for Borrowers with Medical School Student Loan Debt [ Schedule a Consultation ](https://25financial.com/contact/) It’s no secret that the cost of attendance of higher education in the United States is at an all-time high, and med school is no exception to that rule. That means that our future doctors are spending more than ever to attend medical school.[ According to the Association of American Medical Colleges (AAMC)](https://students-residents.aamc.org/premed-navigator/how-much-does-it-cost-attend-medical-school-here-s-breakdown), average medical school debt averaged $207,000 in 2020. [That number is only expected to rise](https://educationdata.org/average-cost-of-medical-school). When the total cost of medical school can be that hefty, many may assume they have to wait for years to begin building an investment portfolio or save for retirement. But that simply isn’t the case. Team 25 offers a multi-prong approach to managing medical student debt, which includes tackling the debt itself while also building investments for the future. It can be difficult for recent medical school graduates to think of building wealth and investments when their loan repayments are saddled with high interest rates. That is where Team 25 comes in. We help recent grads and doctors still making monthly payments on their medical school debt get their loans under control, so that they are open to invest in their future. It’s simple: 25 Financial’s goal is to provide our clients with more confidence, time, and peace of mind by taking advantage of every wealth management and investment opportunity. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ## Tackling Medical Education Debt ### Student Loan Forgiveness Plans A key strategy to tackle medical education loans is to get them forgiven. We work closely with qualifying borrowers to find the right loan forgiveness program that can erase most, if not all, of their debt. Many physicians have success working for nonprofits to qualify for a public service loan forgiveness program, although we can many times find other medical school loan forgiveness programs that better match our clients’ long-term personal finance goals. ### Student Loan Refinancing Plans If student loan forgiveness is not possible, we work with clients on how to best manage their student loan repayment plan. One strategy is to refinance the loan completely, if possible, and establish more affordable income-driven repayment options. We help our clients renegotiate more favorable repayment terms and fight for lower individual loan payments, if not the total loan amount. ### Simultaneous Investment Strategies Investing for the future doesn’t have to hold off until student loans are completely forgiven or repaid. In fact, for many with medical school debt, it can be best to start investing and building portfolios right away. ### Tax-Planning Strategies Working in healthcare can be complicated enough without having to deal with complex tax codes. We help physicians file taxes in the most efficient and money-saving ways possible. ### College Planning The best place to start is at the beginning. We offer medical school planning services to mitigate the amount of loans students assume and establish a plan to pay back loans quickly while still building investments for their retirement. ![](https://25financial.com/wp-content/uploads/2024/09/laptop-3087585_1920-1300x650.jpg "laptop-3087585_1920 - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/09/131807-1300x650.jpg "131807 - 25 Financial - 25 Financial") ## Investing More with 25 Financial - **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. - **Plan.** We provide options to meet your goals and recommend the best approach. - **Act.** We follow through to ensure the full plan is implemented. - **Review.** Life often brings change, so we regularly review and reassess the plan. ## Financial Planning for Physicians with Medical Student Debt Wealth management for physicians is unlike financial planning for the general public. Physicians graduate with loads of student loan debt, begin retirement planning later in life, have shorter time horizons to reach their much larger-than-average retirement income goals, and have a target on their back for lawsuits and taxes throughout their careers. We believe financial planning for doctors must be comprehensive, unbiased, and always in the physician’s best interest. Our comprehensive financial plans include insurance review and planning; debt management strategies; employee benefits planning and analysis; investment planning; proactive tax strategies; college, retirement, and legacy planning; estate and asset protection planning; and medical student debt management services. [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation ](https://25financial.com/contact/) *Disclosures: We are not tax professionals, so please consult with your own tax professional before implementing any strategy discussed.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any investment decisions.* --- ### [Investing for Doctors and Physicians](https://25financial.com/physicians/investment-planning/) **Published:** June 4, 2024 **Author:** Pavin White **Content:** # Investing for Doctors ***Invest with partners you can trust to help you make the most of every dollar, hour, and opportunity.*** As a medical professional, your path to financial security is unique. From the significant student loans accumulated in medical school to the complexities of managing a high-income career, your journey requires tailored strategies to maximize your wealth and achieve your financial goals. At 25 Financial, we specialize in investment planning for doctors, helping you navigate the intricate world of personal finance with confidence. Our comprehensive approach ensures that you benefit from expert advice, diversified investment opportunities, and a clear path to financial freedom. ![](https://25financial.com/wp-content/uploads/2024/08/pexels-kampus-8815875-650x1300.jpg "pexels-kampus-8815875 - 25 Financial - 25 Financial") ## Why Consult with a Financial Advisor for Investment Planning? Investing for doctors requires a specialized approach. The team at 25 Financial is ready to clarify your goals and execute your plan with *rigor, progress, and accountability*. **Expertise in Healthcare and High-Income Professions** Our financial advisors understand the unique financial landscape of healthcare professionals. We recognize that your high-income earner status comes with specific challenges and opportunities. Our expertise in these areas ensures that your investment strategy aligns with your career stage and financial goals. **Customized Financial Plans** At 25 Financial, we believe in personalized financial plans that are comprehensive and unbiased. Whether you’re looking to invest in mutual funds, real estate investment trusts (REITs), or exchange-traded funds (ETFs), our advisors tailor strategies that suit your risk tolerance, liquidity needs, and long-term objectives. We provide guidance on asset allocation to diversify your portfolio and maximize returns. **Access to Exclusive Investment Opportunities** Our advisors have built a private wealth management firm that allows clients access to investments that can’t be found anywhere else. Over the years, they have established strong relationships with the principles of these private alternative investment funds, including high-yield opportunities like real estate syndications and private practice investments. **Tax-Efficient** **Investment Strategies** Navigating the complexities of income tax and finding tax-efficient investment options are crucial for high-income professionals. Our advisors work with CPAs to implement strategies that minimize your taxable income stream and maximize tax deductions, ensuring your investments grow in the most efficient manner possible. **Building Wealth and Financial Independence** We are committed to helping you build wealth and achieve financial independence. From retirement accounts like IRAs to investment options such as individual stocks and bond funds, we provide a comprehensive approach to grow your net worth and secure your financial future. **Managing Market Volatility** The stock market can be volatile, but our advisors are here to guide you through uncertain times. We help you develop a robust investment strategy that includes a mix of asset classes to reduce risk and enhance stability, ensuring your portfolio remains resilient through market fluctuations. ## Achieve More of Both Time & Money [ Contact 25 Financial ](https://25financial.com/contact/) Use our expertise and experience to invest more so that you have the confidence to enjoy more: More results. More life. More of your 24 hours (actually, let’s make it 25). Schedule a consultation now and discover how we can help you. ### FAQs #### What are the best investments for doctors? Doctors benefit from diversified types of investments, including mutual funds, market index funds, ETFs, real estate investments, and alternative investments. Our advisors tailor investment strategies to your risk tolerance and financial goals. #### How can 25 Financial help me with my student loans? We offer debt management strategies that help you efficiently reduce your medical student loan burden while optimizing your cash flow. Our advisors work with you to integrate debt repayment into your overall financial plan. #### What are alternative investments, and should I consider them? Alternative investments include private equity, real estate syndications, and other non-traditional asset classes. These investments can provide high-yield opportunities and diversification benefits. Our advisors carefully vet these options to ensure they align with your financial goals and risk tolerance. #### How does 25 Financial ensure tax-efficient investing? Our advisors work with CPAs to implement tax-efficient strategies that minimize your taxable income and maximize deductions. We focus on optimizing your investment portfolio to ensure growth in a tax-efficient manner. #### Can 25 Financial help with retirement planning? Absolutely. We offer comprehensive retirement planning services that include analyzing your retirement accounts, optimizing contributions, and ensuring your investment strategy supports a comfortable and secure retirement. #### How do you manage investment risk and market volatility? Our advisors develop diversified portfolios that include a mix of asset classes to mitigate risk and enhance stability. We continuously monitor market conditions and adjust strategies to protect your investments from volatility. #### What makes 25 Financial different from other financial advisory firms? Our commitment to integrity, experience, and over-the-top service sets us apart. We provide personalized, comprehensive financial plans that are always in your best interest, ensuring you achieve your financial goals with confidence. ![](https://25financial.com/wp-content/uploads/2024/08/pexels-rdne-7821914-650x1300.jpg "pexels-rdne-7821914 - 25 Financial - 25 Financial") ## Contact Us Contact our financial advisors today to schedule a consultation and take the first step toward a brighter financial future. [ Contact us today ](https://25financial.com/contact/) *Disclosures: We are not tax professionals, so please consult with your own tax professional before implementing any strategy discussed.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any investment decisions.* --- ### [Estate Planning for Physicians](https://25financial.com/physicians/estate-planning/) **Published:** July 1, 2024 **Author:** Pavin White **Content:** # Estate Planning for Physicians ***Protecting your legacy and* *peace of mind**. Ensuring financial security for your* *loved ones**.*** Estate planning is a critical component of managing your financial future, especially for physicians who face unique challenges such as high income, substantial medical school loan debt, and the complexities of managing a medical practice. At 25 Financial, we specialize in estate planning for physicians, ensuring your assets are protected and your family members are cared for. Our comprehensive approach integrates asset protection, tax planning, and succession planning to provide peace of mind and financial security well into the future. ## Why Consult with a 25 Financial Advisor for Estate Planning? **Expertise in Healthcare and Financial Planning** Our advisors understand the unique financial landscape of healthcare professionals. We recognize the importance of protecting your net worth, ensuring smooth succession planning for your own practice, and minimizing estate taxes. Our expertise ensures that your estate plan aligns with your professional journey and financial goals. **Comprehensive Estate Planning Services** At 25 Financial, we offer personalized estate planning services that are comprehensive and unbiased. We help you draft essential estate planning documents such as a last will and testament, revocable trusts, living wills, and power of attorney. Our advisors work closely with estate planning attorneys to ensure all legal documents are in place and your estate is protected from probate and unnecessary taxes. **Asset Protection and Tax Planning** Asset protection is a cornerstone of effective estate planning. Our advisors implement strategies such as irrevocable trusts, family limited partnerships, and asset protection trusts to shield your assets from creditors and medical malpractice claims. We also provide advanced tax planning to minimize estate taxes and ensure your beneficiaries receive the maximum benefit from your estate. **Managing Beneficiary Designations** Properly designating beneficiaries on your life insurance policies, retirement planning, bank accounts, and other financial accounts is crucial. Our advisors ensure that your beneficiary designations are up-to-date and aligned with your overall estate plan, preventing any potential conflicts and ensuring a smooth transfer of personal and real estate assets to your loved ones. **Succession Planning for Medical Practices** If you own a medical practice, succession planning is essential to ensure a smooth transition and continuity of care for your patients. Our advisors help you establish buy-sell agreements and other legal structures to facilitate the transfer of ownership and management of your practice, providing financial security for your family and staff. **Planning for Incapacity and Medical Decisions** Preparing for potential incapacity is a critical aspect of estate planning. We help you establish healthcare power of attorney, financial power of attorney, and living wills to ensure your healthcare and financial decisions are managed according to your wishes if you are unable to make them yourself. ![](https://25financial.com/wp-content/uploads/2024/02/office-supply-coffee-work-paper-pen-650x1300.jpg "office-supply-coffee-work-paper-pen - 25 Financial - 25 Financial") ## Plan Today, Secure Tomorrow | Contact 25 Financial Estate planning for doctors is unique and can raise slightly different concerns than individuals in other professions. The key to getting things right is to act early to establish a plan and then adjust it over time as needed when life events or financial situations change. 25 Financial is dedicated to providing the expertise and personalized service you need. Contact us today to schedule a consultation and learn more about how we can help you protect your assets and provide for your loved ones. [ Contact 25 Financial ](https://25financial.com/contact/) ![](https://25financial.com/wp-content/uploads/2024/09/edoardo-busti-oza1V0kSiVQ-unsplash-650x1300.jpg "edoardo-busti-oza1V0kSiVQ-unsplash - 25 Financial - 25 Financial") ### FAQs What is estate planning for physicians? Estate planning for physicians involves creating a comprehensive strategy that addresses the unique financial challenges faced by medical professionals, including asset protection, tax planning, and succession planning for medical practices. Why is it important to consult with a financial planner for estate planning? If you die intestate, which means passing away without a will, you’re just making it very difficult for those left behind. A financial advisor provides personalized advice and strategies that align with your financial goals and professional journey. They help ensure your estate plan is comprehensive, protecting your assets and providing for your surviving spouses and children. What is the role of a living trust in estate planning? A living trust helps manage your assets during your lifetime and ensures a smooth transfer to your beneficiaries upon your death. It avoids probate and provides privacy and control over your estate. What documents are essential for estate planning? Essential estate planning documents include a last will and testament, revocable trusts, living wills, and power of attorney. These documents ensure your wishes are carried out, and your assets are protected. How can 25 Financial help with asset protection? Our advisors implement strategies such as irrevocable trusts, family limited partnerships, and asset protection trusts to shield your assets from creditors and malpractice claims. We also provide advanced tax planning to minimize estate taxes. If your estate is over the estate tax exemption threshold, you will need to discuss additional estate planning strategies with your advisor. What is the probate process, and how can it be avoided? The probate process involves the legal distribution of a deceased person’s assets. It can be time-consuming and expensive. Proper estate planning, including the use of different types of trusts and proper beneficiary designations, can help avoid probate. How does 25 Financial manage beneficiary designations? Our advisors ensure your beneficiary designations on retirement accounts, life insurance policies, and other financial accounts are up-to-date and aligned with your overall estate plan, preventing conflicts and ensuring a smooth transfer of assets. What is succession planning for medical practices? Succession planning involves preparing for the transfer of ownership and management of your medical practice. Our advisors help establish buy-sell agreements and other legal structures to ensure a smooth transition and financial security for your family and staff. How can I plan for incapacity and healthcare decisions? We help you establish healthcare power of attorney, financial power of attorney, and living wills to ensure your decisions (such as medical treatments you wish to receive or avoid, disposition of your probate assets, appointing the guardian of any minor child or other dependent, etc.) are managed according to your wishes if you are unable to make them yourself. How does tax planning benefit my estate plan? Advanced tax planning minimizes estate and income taxes to ensure your beneficiaries receive the maximum benefit from your estate. Our advisors implement strategies to reduce your tax burden and protect your wealth. ## Contact Us For more information or to schedule a consultation with one of our financial advisors, please visit our website or call us. Let 25 Financial be your trusted partner in achieving your estate planning goals. Rigor, Progress, Accountability – The 25 Financial Way. Contact us now. [ Contact us today ](https://25financial.com/contact/) *Disclosures: We are not tax professionals, so please consult with your own tax professional before implementing any strategy discussed.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any investment decisions.* --- ### [Employee Benefits Planning](https://25financial.com/physicians/employee-benefits/) **Published:** July 1, 2024 **Author:** Pavin White **Content:** # Physician Benefits Assistance for Physicians Looking for Personal or Employee Benefits Packages [ Schedule a Consultation ](https://25financial.com/contact/) Physicians perform vital services for our communities, and they deserve compensation beyond just salaries. Benefits packages for physicians are unlike those for other professions, however. Physicians can explore packages that include not just standard healthcare coverage, dental insurance, and sick leave, but also malpractice insurance, relocation reimbursement, and medical school loan repayments. When benefits packages are as complex as they are for physicians, it pays to have a well-rounded team of knowledgeable financial advisors to help decide which benefits plans are worth exploring… and which ones are more trouble than they’re worth. [25 Financial is that team of financial advisors.](https://25financial.com/team/) Our goal is to provide our high-net-worth clients like physicians with confidence that their financial future is secure and lucrative. We take advantage of every wealth management strategy and investment opportunity to make this goal a reality. [ Read more about our alternative investment strategy ](https://25financial.com/5-factors-physicians-and-high-net-worth-investors-should-consider-before-investing-in-alternative-investments/) ![](https://25financial.com/wp-content/uploads/2023/02/PadDLING-2048x1485.png "PadDLING - 25 Financial - 25 Financial") # Why It Pays to Have a Financial Advisor When Selecting Physician Benefits Packages Benefits plans for full-time employees of medical practices can be complicated to navigate and expensive to implement. Having a team of dedicated advisors can make navigating this process easier for time-strapped professionals like physicians, all while avoiding extraneous expenses. Here are some of the major perks Team 25 advises professionals to consider in their physician benefit packages. Malpractice Insurance While medical malpractice insurance is not required by the federal government and many state governments, it’s still a wise investment strategy for physicians and other medical professionals. Most physician benefits packages include some form of medical malpractice insurance to reduce liability in case lawsuits should arise. Some employers also find it beneficial to add tail coverage to malpractice policies, as it protects them in cases brought against a doctor regarding cases of malpractice at a previous place of work. Continuing Medical Education (CME) Education doesn’t stop at graduation. One of the better benefits an employer can add to a benefits package is paying for continuing medical education courses, or CME credits. By paying for their employees to earn CME credits approved by their malpractice insurance provider, some practices can save a significant amount on their premiums. Student Loan Repayment [The cost of a medical education is on the rise in the United States](https://educationdata.org/average-cost-of-medical-school), and[ most physicians graduate medical school with over $200,000 of debt](https://students-residents.aamc.org/premed-navigator/how-much-does-it-cost-attend-medical-school-here-s-breakdown). That makes student loan repayment benefits extremely enticing for recent graduates looking to join a public health system or even a private practice. Relocation Reimbursement Many medical professionals have to move for their jobs. For practices looking for high-quality candidates, having relocation reimbursement perks can be an incredible incentive to attract top-tier talent. Health Insurance Physicians need healthcare coverage too. When medical groups offer this insurance, it’s usually more cost effective to purchase group plans rather than individual ones, especially if the practice also plans to offer dental coverage and vision coverage. Paid Time Off (PTO) Everyone needs a break, especially for people with high-stress careers, like physicians. That is why paid time off is an integral part of any package offered to employees. It’s also important to plan ahead so that employees can actually utilize this benefit by reducing obstacles physicians face when trying to use their well-deserved PTO. Sick Leave Coverage Physicians are just like anyone else and can develop illnesses or disabilities that make it difficult for them to perform their job duties to the best of their abilities. In these cases, their expenses can be covered, at least in part (if not fully), with short-term disability or long-term disability insurance. It’s possible to fully cover this type of benefit for employees. For example, it is quite common for practices to fully cover short-term disability for cases like maternity leave. That said, many practices opt for sharing these costs with employees (i.e., cost-sharing plans) or simply leaving the option to purchase these types of coverage up to the employees. Life Insurance Life insurance policies for physicians may come with special rates and higher coverage amounts than policies for other individuals. In these cases, it may be more expensive to offer such a policy under a standard benefits plan. Instead, many practices let employees elect their own life insurance policies, funded through a tax-free, employer-established flexible spending account (FSA). The FSA helps cover out-of-pocket expenses for these policies and other add-ons to a benefits package, like health plans and childcare costs. Retirement Plan Retirement planning for physicians can be complicated due to higher levels of debt, starting retirement savings later in life, and having special expenses like malpractice insurance. For physicians, robust retirement benefits are necessary to ensure peace of mind that their financial well-being will be secured in their golden years. [LEARN MORE ABOUT RETIREMENT PLANNING FOR PHYSICIANS](https://25financial.com/physicians/retirement-planning/) ![](https://25financial.com/wp-content/uploads/2024/09/ben-dumond-VedK8_UlmkY-unsplash-650x1300.jpg "ben-dumond-VedK8_UlmkY-unsplash - 25 Financial - 25 Financial") ## Investing More with 25 Financial - **Discover.** We spend time getting to know our clients’ needs, hopes, and goals. - **Plan.** We provide options to meet your goals and recommend the best approach. - **Act.** We follow through to ensure the full plan is implemented. - **Review.** Life often brings change, so we regularly review and reassess the plan. ## Financial Planning for Physician Benefits Packages Knowing how to manage wealth is one skill. Knowing how to manage wealth for physicians is another skill entirely. Managing wealth for these high-earning individuals is unlike financial planning for others. After all, physicians and other medical professionals graduate with plenty of student debt, are often targets for lawsuits and tax audits, and start retirement planning later in life, meaning they have less time to reach larger-than-average retirement goals. Team 25 has years of experience working with high-net-worth individuals, including physicians. It’s why we developed the philosophy that financial planning for doctors needs to be unbiased, comprehensive, and always in the practitioner’s best interest. Our comprehensive financial plans for physicians include insurance review and planning; investment planning and analysis; debt management; [proactive tax strategies](https://25financial.com/tax-mitigation-strategies/); college, retirement, and legacy planning; estate and asset protection planning; medical student debt management services; and employee benefits planning and analysis. [ Learn More ](https://25financial.com/4-reasons-physicians-and-high-net-worth-investors-should-consider-alternative-investment-funds-in-their-portfolio/) [ Schedule a Consultation ](https://25financial.com/contact/) --- ### [Asset Protection for Physicians](https://25financial.com/physicians/asset-protection/) **Published:** July 1, 2024 **Author:** Pavin White **Content:** # Asset Protection for Physicians ***Advanced, long-**term* *financial planning to protect your wealth and peace of mind.*** As a physician, protecting your assets is crucial due to the unique risks associated with your profession. From medical malpractice claims to personal liability, your assets can be vulnerable without proper planning. At 25 Financial, we specialize in asset protection for physicians, ensuring your wealth is safeguarded against potential threats. Our comprehensive approach to asset protection planning incorporates strategies tailored to your specific needs, providing peace of mind and financial security. ## Why Consult with a Financial Advisor for Investment Planning? **Expertise in Healthcare and High-Income Professions** Our advisors understand the unique challenges that healthcare professionals face, including the constant threat of malpractice lawsuits and the complexities of managing a medical practice. With our in-depth knowledge and experience, we develop asset protection strategies that are specifically designed for physicians. **Customized Asset Protection Plans** At 25 Financial, we offer personalized asset protection planning that includes a range of services, such as setting up asset protection trusts, irrevocable trusts, and family limited partnerships. We help you protect your personal assets and ensure they are shielded from potential creditors and legal claims. **Comprehensive Insurance Coverage** Proper insurance company coverage is a cornerstone of asset protection. Our advisors will review and recommend appropriate malpractice insurance, liability insurance, and umbrella insurance policies to provide an additional layer of protection. We also evaluate your annuities and life insurance policies and ensure your retirement accounts and IRAs are adequately safeguarded. **Legal Structures and Estate Planning** We assist in establishing legal structures such as limited liability companies (LLCs) and offshore trusts to protect your assets from liability. Our estate planning services ensure that your personal and real estate assets are distributed according to your wishes and are protected from probate and excessive taxation. **Professional Liability and Malpractice Claims** Given the high risk of malpractice claims in the medical field, we provide strategies to protect against such risks. This includes setting up professional liability insurance and working with asset protection attorneys to ensure all legal aspects are covered. **Comprehensive Wealth Management** Beyond asset protection, our advisors offer comprehensive wealth management services that include investment planning, tax-efficient strategies, and retirement planning. We aim to grow and protect your net worth, providing you with financial stability and security. ![](https://25financial.com/wp-content/uploads/2024/09/pexels-vlada-karpovich-7433822-650x1300.jpg "pexels-vlada-karpovich-7433822 - 25 Financial") ## Shield Your Assets, Secure Your Future | Contact 25 Financial Protecting your assets as a physician is essential for maintaining your financial security and peace of mind. At 25 Financial, our experienced advisors are dedicated to helping you implement effective asset protection strategies tailored to your needs. Contact us today to schedule a consultation and learn more about how we can safeguard your wealth and future. [ Schedule a Consultation ](https://25financial.com/contact/) ### FAQs What is asset protection for physicians? Asset protection for physicians involves strategies and legal structures designed to safeguard your personal and professional assets from creditors, lawsuits, and other risks. This can include malpractice insurance, asset protection trusts, and legal entities like LLCs. Why is asset protection important for doctors? Doctors are at a higher risk of facing malpractice claims and lawsuits, making asset protection crucial to prevent the loss of personal and professional assets. Proper asset protection planning ensures that your wealth is secure against such threats. What are asset protection trusts? Asset protection trusts are legal structures that help shield your assets from creditors and legal claims. These trusts can be domestic or offshore and are designed to protect your wealth while allowing you to maintain some control over the assets. How does malpractice insurance protect my assets? Malpractice insurance provides financial coverage in the event of a medical malpractice claim. It helps cover legal costs and potential settlements, protecting your personal and professional assets from being used to satisfy these claims. Can I protect my retirement accounts from creditors? Yes, certain retirement accounts, such as IRAs and 401(k)s, have protections under federal and state laws that stop creditors from taking advantage. Our advisors can help you understand these protections. We’ll instruct you on ERISA and Non-ERISA plans as well as ensure your retirement and bank accounts are adequately safeguarded. What legal structures can help protect my assets? Legal structures such as limited liability companies (LLCs), family limited partnerships (FLPs), and offshore trusts can provide significant protection for your assets. These entities help separate your personal assets from professional liabilities, reducing your exposure to risk. What is an umbrella insurance policy, and do I need one? An umbrella policy provides additional liability coverage beyond your standard insurance policies. Check out umbrella policies offered by your other providers (homeowners, auto, etc.). These low-cost options can be great ways to supplement your existing policy and protect you from major claims and lawsuits. How can 25 Financial help with estate planning? Our estate planning services include setting up wills, trusts, and other legal structures to ensure that the distribution of your assets follows your wishes and is protected from probate and excessive taxation. We also provide strategies to minimize estate taxes and protect your wealth for future generations. What should I consider when choosing an asset protection attorney? When choosing an asset protection attorney, consider their experience in working with physicians and understand the unique risks associated with the medical profession. Look for attorneys who specialize in asset protection and have a proven track record of helping clients safeguard their assets. How do state laws affect asset protection strategies? State laws can significantly impact asset protection strategies, as they dictate the protections available for various assets and the legal structures you can use. Our advisors stay informed about state-specific laws to ensure your asset protection plan complies with all relevant regulations. Plus, we can help you determine exemptions that apply to your situation. ![](https://25financial.com/wp-content/uploads/2024/09/headway-5QgIuuBxKwM-unsplash-650x1300.jpg "headway-5QgIuuBxKwM-unsplash - 25 Financial") ## Contact Us Whether you work at a small business or manage a large medical practice, you should protect your wealth with expert asset protection. For more information or to schedule a consultation with one of our financial advisors, please visit our website or call us. Let 25 Financial be your trusted partner in achieving your asset protection goals. Rigor, Progress, Accountability – The 25 Financial Way. Contact us now. [ Contact Us ](https://25financial.com/contact/) *Disclosures: We are not tax professionals, so please consult with your own tax professional before implementing any strategy discussed.* *Content is intended for informational purposes only and should not be considered as financial advice. Please consult with a professional financial advisor and perform your own analysis before making any investment decisions.* --- ### [Jeff Larson](https://25financial.com/team/jeff-larson/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Jeff-Square-1024x1024.jpg "Jeff - Square - 25 Financial - 25 Financial") ## Jeff Larson ### Partner, Financial Advisor Since 2004, Jeff Larson has offered financial advisor services to physicians, high-net-worth individuals and families, helping clients acquire financial independence as well as rare alternative investment opportunities for investors seeking higher rates of return while mitigating risks. Jeff is constantly exploring opportunities to achieve his clients’ goals. He regularly takes due diligence trips to meet with the executive teams that operate the investment opportunities he recommends. Additionally, Jeff invests in his team, fostering strong relationships and a culture with a common purpose. Jeff and his wife, Kim, live in St. Louis with their five kids. In addition to work, they enjoy hiking, biking, motorcycling, fishing, camping, boating, mini-golf, and just about anything else outside with friends and family. *View this investment professional on [BrokerCheck](https://brokercheck.finra.org/) *by [FINRA](http://www.finra.org/).* ![Jeff Larson Financial Advisor St Louis, Missouri](https://25financial.com/wp-content/uploads/2020/05/Family-1024x683.jpg "Jeff Larson's Family - 25 Financial - 25 Financial") --- ### [Sarah Wilson](https://25financial.com/team/sarah-wilson/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Sarah-Square.jpg "Sarah - Square - 25 Financial - 25 Financial") ## Sarah Butcher ### Client Service Associate Sarah joined the 25 Financial team with 4 years of experience working in a brokerage firm as well as numerous years of administrative experience in past roles with emphasis on client support, logistics and organization. She strives to build strong client relationships through making their lives easier. Sarah is a musician and serves on her church worship team and enjoys reading, concerts and going to renaissance festivals. --- ### [Randy Larson](https://25financial.com/team/randy-larson/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Randy-Square-1024x1024.jpg "Randy - Square - 25 Financial - 25 Financial") ## Randy Larson, J.D., LL.M. ### Partner, Financial Advisor Randy is a trusted resource for doctors and high-net-worth individuals and families, offering comprehensive financial planning as well as rare alternative investment opportunities for his clients. Randy earned his J.D. and LL.M. in Taxation from Washington University in St. Louis. As a Missouri-licensed attorney, he founded The Larson Law Firm, LLC, practicing in the areas of estate planning, business law, and asset protection for physicians and dentists. When Randy is not playing with his five children or going on a date night with his wife, he enjoys riding his dirt bike and studying theology and philosophy. *View this investment professional on [BrokerCheck](https://brokercheck.finra.org/) *by [FINRA](http://www.finra.org/).** ![](https://25financial.com/wp-content/uploads/2026/01/Randy-Family-photo-1024x768.jpg "Randy Family photo - 25 Financial - 25 Financial") --- ### [Brad Meyers](https://25financial.com/team/brad-meyers/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Brad-Square-1024x1024.jpg "Brad - Square - 25 Financial - 25 Financial") ## Brad Meyers, CFP® ### Partner, Financial Advisor Brad has provided comprehensive financial planning services to physicians and high-net-worth individuals nationwide since 2015. He is passionate about helping clients define meaningful financial goals and implementing efficient, tailored strategies to achieve them—whether through thoughtful asset allocation, risk mitigation, or alternative investment solutions. Brad is a Certified Financial Planner® professional and a fiduciary, committed to acting in his clients’ best interests at all times. He lives in Nashville, Tennessee with his wife, Natalie, and their two sons. Outside of work, Brad enjoys running, traveling, mountain biking, and most of all, spending time with his family. ![IMG_0387](https://25financial.com/wp-content/uploads/elementor/thumbs/IMG_0387-scaled-ri0047v45d48nyevvfvt58j7dscu2p0e2erhdn1yio.jpg "IMG_0387") --- ### [Pavin White](https://25financial.com/team/pavin-white/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Pavin-Square-1024x1024.jpg "Pavin - Square - 25 Financial - 25 Financial") ## Pavin White ### Chief Operating Officer Pavin leads 25 Financial’s office team, supporting client account portfolio management, the development of advisor support strategy, and research and development of new services. Pavin comes to us from the world of retail operations, having led process development supporting many Fortune 500 clients in retail. He and his wife Shelby live in Maplewood with their son and two dogs. In his free time, Pavin enjoys golf, woodworking, walking the dogs in Forest Park, and weekend home projects. He and Shelby are always looking for a new country or National Park to visit. ![](https://25financial.com/wp-content/uploads/2023/08/m-38-1-scaled.jpg) --- ### [Nathan Brooks](https://25financial.com/team/nathan-brooks/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Nate-Square-1024x1024.jpg "Nate - Square - 25 Financial - 25 Financial") ## Nathan Brooks ### Partner, Financial Advisor Coming from a family with a long legacy in medicine, Nathan understands the lifestyle and time constraints of physicians. As a financial planning advisor, he helps physicians accumulate and protect wealth so they are free to focus on family and medicine. He helps clients formulate goals and then execute a plan to reach them. Nathan holds several designations including his Series 7, Series 66, and Life and Health Insurance licenses. Nathan graduated from Biola University in La Mirada, CA. He enjoys traveling with his wife, live music, and being involved in his local church in Iowa City, Iowa. *View this investment professional on [BrokerCheck](https://brokercheck.finra.org/) *by [FINRA](http://www.finra.org/).** --- ### [Lulu Geary](https://25financial.com/team/lulu-geary/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Lulu-Square-1024x1024.jpg "Lulu - Square - 25 Financial - 25 Financial") ## Lulu Geary ### Operations Associate Lulu has kickstarted her career at 25 with a vital role on the operations team. She takes pride in giving great attention to detail and ensuring every member of our group is supported well in their responsibilities. Lulu lives in Saint Louis, MO and spends her spare time teaching aerial silks, going on picnics in the park, and spoiling her cat, Joseph. --- ### [Lauren Ayres](https://25financial.com/team/lauren-ayres/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Lauren-Square.jpg "Lauren - Square - 25 Financial - 25 Financial") ## Lauren Ayres ### Client Service Associate Lauren started her career at 25 as a client service associate. She came to us after graduating summa cum laude from UMSL with a degree in Elementary Education, giving her a unique perspective and problem-solving skills. She takes pride in paying attention to detail, being a team player, and providing efficient service for clients. Lauren lives in Florissant, MO with her family and five cats. In her free time, she enjoys spending time with her boyfriend and pets, playing horror video games, and going to concerts. --- ### [Keyonna Williams](https://25financial.com/team/keyonna-williams/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Keyonna-Square-1024x1024.jpg "Keyonna - Square - 25 Financial - 25 Financial") ## Keyonna Williams ### Senior Client Services Manager Keyonna has been a valued member of the 25 Financial team since 2021, bringing over six years of administrative experience from her background in a private practice setting. She is known for her organizational skills, creativity, dedication, and positive attitude—all of which help her serve clients with excellence. Outside of work, Keyonna is an active member of her church, where she enjoys serving, mentoring, and leading alongside her husband, Chris. Together, they love spending quality time with their two children, Luna and Noah, and their beloved pup, Bronny, often exploring new places as a family. --- ### [Kaitlyn Helmich](https://25financial.com/team/kaitlyn-helmich/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Kaitlyn-Square.jpg "Kaitlyn - Square - 25 Financial - 25 Financial") ## Kaitlyn Helmich ### Director of Client Services Kaitlyn has been a cornerstone of our firm since 2012, when she joined as a Client Service Manager. Over the past 13+ years, she has grown into the role of Director of Client Services, where she now oversees multiple financial advisors’ practices and leads our talented team of Client Service Managers. Her expertise in client relationship management, operational excellence, and team leadership has been instrumental in delivering exceptional service and building long-lasting client partnerships. Outside the office, Kaitlyn is a devoted wife to her husband Chris (married in 2021) and proud mom to their son Gabriel (3) and daughter Esther (1). The family is completed by their two beloved German Shepherds. A proud “crunchy mom,” Kaitlyn enjoys crafting homemade tallow-based skin products, spending quality time with her family, worshiping Jesus, and dreaming about (and planning for!) their next farm animals. --- ### [Jon Lester](https://25financial.com/team/jon-lester/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2021/01/Jon-Lester-Headshot-1.png) ## Jon Lester ### Senior Financial Advisor With over 10 years of experience in the financial services sector, Jon is passionate about partnering with his clients and their families to meet their goals and implement tailored financial strategies. As a financial planner, Jon‘s goal is to provide his clients with expertise that allows them to spend more of their time doing the things they love. He holds a Series 7, Series 66, Series 63 and Life and Health Insurance licenses. When Jon is not servicing his clients, he enjoys spending time with his wife and 4 children. They are often enjoying hiking, fishing, campfires, and most all outdoor recreation. He also has a love for the culinary arts, travel, and volunteering with his church and community. *View this investment professional on [BrokerCheck](https://brokercheck.finra.org/) *by [FINRA](http://www.finra.org/).** ![](https://25financial.com/wp-content/uploads/2021/01/Jon-Lester-Family-Picture-1024x681.png "Jon Lester Family Picture - 25 Financial - 25 Financial") --- ### [Jenny Lape](https://25financial.com/team/jenny-lape/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Jenny-Square-1024x1024.jpg "Jenny - Square - 25 Financial - 25 Financial") ## Jenny Lape ### Client Services Manager Jenny has been at the firm since 2023. In her past experience, she was an Administrative Coordinator for a sales office. Her strengths include dedication to a positive client experience and determination to see a task through to completion. She lives with her husband (married in 2025) and is entering the empty nester stage of the human variety, but has fur babies in the form of one dog and three cats. In her off hours, she enjoys cooking, reading and hiking in Missouri’s beautiful state parks. --- ### [Jacob Schulenburg](https://25financial.com/team/jacob-schulenburg/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Jacob-Square.jpg "Jacob - Square - 25 Financial - 25 Financial") ## Jacob Schulenburg ### Trading Operations Associate --- ### [Caleb Partney](https://25financial.com/team/caleb-partney/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Caleb-Square-1024x1024.jpg "Caleb - Square - 25 Financial - 25 Financial") ## Caleb Partney ### Senior Accountant Caleb comes to us from the world of accounting with years of experience developing accounting processes. He and his wife Kelsee live in Hillsboro with their son, and are excitingly expecting to have another little boy later this year. In his spare time, Caleb enjoys photography, recreational sports, the occasional board game, and spending time with his friends and family. --- ### [Cole Tourrette](https://25financial.com/team/cole-tourrette/) **Published:** August 21, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2026/01/Cole-Square-1024x1024.jpg "Cole - Square - 25 Financial - 25 Financial") ## Cole Tourrette ### Trading Operations Associate Quickly becoming the go-to for support needs, Cole has taken to the ins and outs of Portfolio Management. He lives in Clayton, MO with his girlfriend and two cats. In his free time, Cole enjoys watching Cardinals baseball, reading, and playing recreational sports. --- ### [Financial Planning for Physicians](https://25financial.com/financial-planning-for-physicians/) **Published:** April 7, 2020 **Author:** 25 Financial **Content:** # Financial Planning for Physicians Financial planning for doctors is unlike financial planning for the general public. Physicians graduate with loads of student loan debt, begin retirement planning later in life, have shorter time horizons to reach their much larger-than-average retirement income goals and have a target on their back for lawsuits and taxes throughout their careers. They are then expected to juggle insurance, student loans, estate and asset protection planning, tax planning, employee benefits, and portfolio diversification across multiple accounts all while working 70 hours a week. ## The What We believe financial planning for doctors must be comprehensive, unbiased and always in the physician’s best interest. Our [comprehensive financial plans](https://25financial.com/professional-financial-services/) include insurance review and planning, debt management strategies, employee benefits planning and analysis, investment planning, proactive tax strategies, college, retirement and legacy planning, and estate and asset protection planning. We are a “one-stop resource” or “family CFO” for physicians who want this service. ## The Why Financial planning is necessary throughout all stages of a physician’s career. Although this planning is a lifetime process, there are considerations that are more urgent at different stages of a physician’s life. [25 is a comprehensive financial planning](https://25financial.com/financial-advisers-for-physicians/) firm that specializes in planning for all physicians from residency and in-practice through retirement and then legacy. --- ### [Contact Us to Schedule a Consultation](https://25financial.com/contact/) **Published:** February 29, 2024 **Author:** Pavin White **Content:** # Connect with 25 ##### Whether you’re ready to schedule your consultation or have questions about how 25 can invest more for you—we’re ready to answer any and all questions. Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ## Financial Advisors in St. Louis, MO ##### Based in St. Louis, Missouri, our team of financial advisors is excited and ready to give you back your time so that you can enjoy more of your life! Call today and one of our team members will connect with you. --- ### [St Louis](https://25financial.com/areas-served/st-louis-financial-advisor/) **Published:** February 19, 2026 **Author:** Pavin White **Content:** # Financial Planning in St Louis, Missouri​ ## St. Louis is a Thriving Hub for Innovation and Growth St. Louis is more than just the Gateway to the West—it’s a center for excellence in healthcare, education, business… and it’s our home. We established our headquarters here because we love St. Louis and see it as the perfect place to provide expert financial planning for physicians, business owners, and retirees alike. As a top destination for high-ranked institutions like Washington University School of Medicine and Barnes-Jewish Hospital, St. Louis is a city where careers in medicine and health sciences flourish. Beyond healthcare, St. Louis is also a vibrant, dynamic city that supports business owners, entrepreneurs, and high-net-worth individuals. From the financial centers of Clayton to the rapidly growing community in Chesterfield, our city offers countless opportunities for growth and innovation. Our team understands the unique financial needs of St. Louis residents. Whether you’re growing a business, expanding your medical practice, or managing wealth from years of hard work, our local expertise combined with a nationwide reach ensures we provide the highest level of financial service to clients here in St. Louis—and across 40+ states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial") ## Why Choose 25 Financial Advisors in St. Louis? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fee-only fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in St. Louis. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in St. Louis and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Phoenix](https://25financial.com/areas-served/phoenix/) **Published:** February 19, 2026 **Author:** Pavin White **Content:** # Financial Planning in Phoenix, Arizona​ ## Phoenix is a Thriving Hub for Innovation and Growth Phoenix is more than just the Valley of the Sun—it’s a center for excellence in healthcare, education, business. We love Phoenix and see it as the perfect place to provide expert financial planning for physicians, business owners, and retirees alike. As a top destination for high-ranked institutions like Arizona State University, and the top medical centers of Mayo Clinic and Banner-University, Phoenix is a city where careers in medicine and health sciences flourish. Beyond healthcare, Phoenix is also a vibrant, dynamic city that supports business owners, entrepreneurs, and high-net-worth individuals. From the creative hub of Roosevelt Row to the charm of Encanto Village, our city offers countless opportunities for growth and innovation. Our team understands the unique financial needs of Phoenix residents. Whether you’re growing a business, expanding your medical practice, or managing wealth from years of hard work, our local expertise combined with a nationwide reach ensures we provide the highest level of financial service to clients here in Phoenix—and across 40+ states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Phoenix? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fee-only fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Phoenix. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Phoenix and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Orlando](https://25financial.com/areas-served/orlando-2/) **Published:** February 19, 2026 **Author:** Pavin White **Content:** # Financial Planning in Orlando, Florida​ ## Orlando is a Thriving Hub for Innovation and Growth Orlando is more than just Florida’s theme park destination—it’s a center for excellence in healthcare, education, business. We love Orlando and see it as the perfect place to provide expert financial planning for physicians, business owners, and retirees alike. As a top destination for high-ranked institutions like University of Central Florida and top hospitals like Orlando Health and AdventHealth, Orlando is a city where careers in medicine and health sciences flourish. Beyond healthcare, Orlando is also a vibrant, dynamic city that supports business owners, entrepreneurs, and high-net-worth individuals. From the culture of the City District to vibrancy of The Milk District and Mills 50, the city offers countless opportunities for growth and innovation. Our team understands the unique financial needs of Orlando residents. Whether you’re growing a business, expanding your medical practice, or managing wealth from years of hard work, our local expertise combined with a nationwide reach ensures we provide the highest level of financial service to clients here in Orlando—and across 40+ states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Orlando? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fee-only fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Orlando. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Orlando and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Nashville](https://25financial.com/areas-served/nashville/) **Published:** February 19, 2026 **Author:** Pavin White **Content:** # Financial Planning in Nashville, Tennessee​ ## Nashville is a Thriving Hub for Innovation and Growth Nashville seamlessly blends Southern charm with metropolitan sophistication, rivaling major global cities with its dynamic arts scene, world-class dining, and thriving cultural landscape. From the iconic Grand Ole Opry to upscale neighborhoods and green spaces, it offers a diverse lifestyle. With robust education, a booming job market, and an unmatched culinary scene, Nashville presents a refined living experience that attracts professionals and creatives alike, all while maintaining its distinct, welcoming spirit. From the legendary Music Row to the boutique culture of Green Hills, we love what Nashville has to offer. As a top destination for high-ranked institutions like Vanderbilt University, and top medical centers like Vanderbilt University Medical Center and Ascension, Nashville is a city where careers in medicine and health sciences flourish. Beyond healthcare, Nashville is also a vibrant, dynamic city that supports business owners, entrepreneurs, and high-net-worth individuals. From the Financial District to the rapidly growing community in Franklin, our city offers countless opportunities for growth and innovation. Our team understands the unique financial needs of Nashville residents. Whether you’re growing a business, expanding your medical practice, or managing wealth from years of hard work, our local expertise combined with a nationwide reach ensures we provide the highest level of financial service to clients here in Nashville—and across 40+ states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Nashville? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fee-only fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Nashville. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Nashville and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [North Carolina](https://25financial.com/areas-served/north-carolina-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in North Carolina​ ## North Carolina is a Thriving Hub for Innovation and Growth From the bustling business hubs of Charlotte and Downtown Raleigh to the development of Greensboro, Durham, Winston-Salem, or Cary, North Carolina offers a diverse landscape of opportunity and success. The state has world-class institutions like Duke University and University of North Carolina, making it a top destination for medical professionals and health sciences. North Carolina’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, North Carolina fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Greensboro to Charlotte and all the thriving residential communities in between—North Carolina is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of North Carolina residents. Whether you’re a business owner in Raleigh, a medical professional in Greenville, or a retiree enjoying life in Asheville, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across North Carolina and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in North Carolina? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in North Carolina. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in North Carolina and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [West Virginia](https://25financial.com/areas-served/west-virginia-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in West Virginia​ ## West Virginia is a Thriving Hub for Innovation and Growth From the bustling business hubs of Charleston and Downtown Huntington to the development of Morgantown, Parkersburg, Wheeling, or Fairmont, West Virginia offers a diverse landscape of opportunity and success. The state has world-class institutions like West Virginia University and Marshall University, making it a top destination for medical professionals and health sciences. West Virginia’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, West Virginia fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Morgantown to Charleston and all the thriving residential communities in between—West Virginia is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of West Virginia residents. Whether you’re a business owner in Huntington, a medical professional in Martinsburg, or a retiree enjoying life in Weirton, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across West Virginia and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in West Virginia? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in West Virginia. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in West Virginia and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Montana](https://25financial.com/areas-served/montana-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Montana​ ## Montana is a Thriving Hub for Innovation and Growth From the bustling business hubs of Billings and Downtown Missoula to the development of Bozeman, Butte, Helena, or Great Falls, Montana offers a diverse landscape of opportunity and success. The state has world-class institutions like Montana State University and University of Montana, making it a top destination for medical professionals and health sciences. Montana’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Montana fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Bozeman to Billings and all the thriving residential communities in between—Montana is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Montana residents. Whether you’re a business owner in Missoula, a medical professional in Kalispell, or a retiree enjoying life in Whitefish, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Montana and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Montana? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Montana. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Montana and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Georgia](https://25financial.com/areas-served/georgia-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Georgia​ ## Georgia is a Thriving Hub for Innovation and Growth From the bustling business hubs of Atlanta and Downtown Savannah to the development of Athens, Roswell, Macon, or Alpharetta, Georgia offers a diverse landscape of opportunity and success. The state has world-class institutions like Emory University and Georgia Institute of Technology, making it a top destination for medical professionals and health sciences. Georgia’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Georgia fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Athens to Atlanta and all the thriving residential communities in between—Georgia is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Georgia residents. Whether you’re a business owner in Savannah, a medical professional in Marietta, or a retiree enjoying life in Columbus, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Georgia and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Georgia? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Georgia. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Georgia and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Wyoming](https://25financial.com/areas-served/wyoming-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Wyoming​ ## Wyoming is a Thriving Hub for Innovation and Growth From the bustling business hubs of Cheyenne and Downtown Casper to the development of Gillette, Laramie, Rock Springs, or Sheridan, Wyoming offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Wyoming and Casper College, making it a top destination for medical professionals and health sciences. Wyoming’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Wyoming fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Gillette to Cheyenne and all the thriving residential communities in between—Wyoming is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Wyoming residents. Whether you’re a business owner in Casper, a medical professional in Jackson, or a retiree enjoying life in Cody, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Wyoming and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Wyoming? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Wyoming. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Wyoming and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Wisconsin](https://25financial.com/areas-served/wisconsin-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Wisconsin ## Wisconsin is a Thriving Hub for Innovation and Growth From the bustling business hubs of Milwaukee and Downtown Madison to the development of Kenosha, Green Bay, Racine, or Appleton, Wisconsin offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Wisconsin and Marquette University, making it a top destination for medical professionals and health sciences. Wisconsin’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Wisconsin fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Kenosha to Milwaukee and all the thriving residential communities in between—Wisconsin is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Wisconsin residents. Whether you’re a business owner in Madison, a medical professional in Waukesha, or a retiree enjoying life in Eau Claire, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Wisconsin and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Wisconsin? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Wisconsin ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Wisconsin and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Washington](https://25financial.com/areas-served/washington-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Washington​ ## Washington is a Thriving Hub for Innovation and Growth From the bustling business hubs of Seattle and Downtown Spokane to the development of Tacoma, Vancouver, Bellevue, or Everett, Washington offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Washington and Gonzaga University, making it a top destination for medical professionals and health sciences. Washington’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Washington fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Tacoma to Seattle and all the thriving residential communities in between—Washington is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Washington residents. Whether you’re a business owner in Spokane, a medical professional in Bellingham, or a retiree enjoying life in Kent, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Washington and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Washington? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Washington. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Washington and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Virginia](https://25financial.com/areas-served/virginia-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Virginia​ ## Virginia is a Thriving Hub for Innovation and Growth From the bustling business hubs of Virginia Beach and Downtown Norfolk to the development of Chesapeake, Richmond, Arlington, or Alexandria, Virginia offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Virginia and Virginia Tech, making it a top destination for medical professionals and health sciences. Virginia’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Virginia fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Chesapeake to Virginia Beach and all the thriving residential communities in between—Virginia is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Virginia residents. Whether you’re a business owner in Norfolk, a medical professional in Hampton, or a retiree enjoying life in Roanoke, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Virginia and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Virginia? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Virginia. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Virginia and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Vermont](https://25financial.com/areas-served/vermont-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Vermont​ ## Vermont is a Thriving Hub for Innovation and Growth From the bustling business hubs of Burlington and Downtown Montpelier to the development of Stowe, Shelburne, Middlebury, or Essex Junction, Vermont offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Vermont and Middlebury College, making it a top destination for medical professionals and health sciences. Vermont’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Vermont fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Stowe to Burlington and all the thriving residential communities in between—Vermont is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Vermont residents. Whether you’re a business owner in Montpelier, a medical professional in Colchester, or a retiree enjoying life in Williston, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Vermont and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial") ## Why Choose 25 Financial Advisors in Vermont? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Vermont. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Vermont and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Utah](https://25financial.com/areas-served/utah-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Utah​ ## Utahis a Thriving Hub for Innovation and Growth From the bustling business hubs of Salt Lake City and Downtown Provo to the development of West Jordan, Ogden, Sandy, or Lehi, Utah offers a diverse landscape of opportunity and success. The state has world-class institutions like Brigham Young University and University of Utah, making it a top destination for medical professionals and health sciences. Utah’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Utah fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from West Jordan to Salt Lake City and all the thriving residential communities in between—Utah is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Utah residents. Whether you’re a business owner in Provo, a medical professional in West Valley City, or a retiree enjoying life in Sandy Hills, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Utah and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Utah? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Utah. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Utah and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Texas](https://25financial.com/areas-served/texas-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Texas​ ## Texas is a Thriving Hub for Innovation and Growth From the bustling business hubs of Houston and Downtown Dallas to the development of Fort Worth, San Antonio, Austin, or El Paso, Texas offers a diverse landscape of opportunity and success. The state has world-class institutions like The University of Texas and Texas A&M, making it a top destination for medical professionals and health sciences. Texas’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Texas fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Fort Worth to Houston and all the thriving residential communities in between—Texas is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Texas residents. Whether you’re a business owner in Dallas, a medical professional in Arlington, or a retiree enjoying life in Plano, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Texas and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Texas? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Texas. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Texas and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Tennessee](https://25financial.com/areas-served/tennessee-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Tennessee​ ## Tennessee is a Thriving Hub for Innovation and Growth From the bustling business hubs of Nashville and Downtown Memphis to the development of Knoxville, Chattanooga, Murfreesboro, or Franklin, Tennessee offers a diverse landscape of opportunity and success. The state has world-class institutions like Vanderbilt University and University of Tennessee, making it a top destination for medical professionals and health sciences. Tennessee’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Tennessee fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Knoxville to Nashville and all the thriving residential communities in between—Tennessee is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Tennessee residents. Whether you’re a business owner in Memphis, a medical professional in Cordova, or a retiree enjoying life in Jackson, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Tennessee and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Tennessee? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Tennessee. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Tennessee and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [South Dakota](https://25financial.com/areas-served/south-dakota-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in South Dakota​ ## South Dakota is a Thriving Hub for Innovation and Growth From the bustling business hubs of Sioux Falls and Downtown Rapid City to the development of Aberdeen, Watertown, Brookings, or Spearfish, South Dakota offers a diverse landscape of opportunity and success. The state has world-class institutions like South Dakota State University and University of South Dakota, making it a top destination for medical professionals and health sciences. South Dakota’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, South Dakota fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Aberdeen to Sioux Falls and all the thriving residential communities in between—South Dakota is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of South Dakota residents. Whether you’re a business owner in Rapid City, a medical professional in Pierre, or a retiree enjoying life in Yankton, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across South Dakota and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in South Dakota? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in South Dakota. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in South Dakota and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [South Carolina](https://25financial.com/areas-served/south-carolina-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in South Carolina​ ## South Carolina is a Thriving Hub for Innovation and Growth From the bustling business hubs of Columbia and Downtown Charleston to the development of Greenville, Mount Pleasant, Summerville, or Rock Hill, South Carolina offers a diverse landscape of opportunity and success. The state has world-class institutions like Clemson University and University of South Carolina, making it a top destination for medical professionals and health sciences. South Carolina’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, South Carolina fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Greenville to Columbia and all the thriving residential communities in between—South Carolina is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of South Carolina residents. Whether you’re a business owner in Charleston, a medical professional in Hilton Head Island, or a retiree enjoying life in Myrtle Beach, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across South Carolina and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in South Carolina? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in South Carolina. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in South Carolina and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Rhode Island](https://25financial.com/areas-served/rhode-island-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Rhode Island​ ## Rhode Island is a Thriving Hub for Innovation and Growth From the bustling business hubs of Providence and Downtown Warwick to the development of Pawtucket, Coventry, Cumberland, or Woonsocket, Rhode Island offers a diverse landscape of opportunity and success. The state has world-class institutions like Brown University and University of Rhode Island, making it a top destination for medical professionals and health sciences. Rhode Island’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Rhode Island fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Pawtucket to Providence and all the thriving residential communities in between—Rhode Island is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Rhode Island residents. Whether you’re a business owner in Warwick, a medical professional in Cranston, or a retiree enjoying life in South Kingstown, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Rhode Island and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Rhode Island? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Rhode Island. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Rhode Island and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Pennsylvania](https://25financial.com/areas-served/pennsylvania-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Pennsylvania​ ## Pennsylvania is a Thriving Hub for Innovation and Growth From the bustling business hubs of Philadelphia and Downtown Pittsburgh to the development of Allentown, Erie, Reading, or Scranton, Pennsylvania offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Pennsylvania and Carnegie Mellon University, making it a top destination for medical professionals and health sciences. Pennsylvania’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Pennsylvania fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Allentown to Philadelphia and all the thriving residential communities in between—Pennsylvania is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Pennsylvania residents. Whether you’re a business owner in Pittsburgh, a medical professional in Bethlehem, or a retiree enjoying life in Lancaster, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Pennsylvania and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Pennsylvania? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Pennsylvania. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Pennsylvania and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Oregon](https://25financial.com/areas-served/oregon-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Oregon​ ## Oregon is a Thriving Hub for Innovation and Growth From the bustling business hubs of Portland and Downtown Salem to the development of Eugene, Gresham, Beaverton, or Bend, Oregon offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Oregon and Oregon State University, making it a top destination for medical professionals and health sciences. Oregon’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Oregon fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Eugene to Portland and all the thriving residential communities in between—Oregon is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Oregon residents. Whether you’re a business owner in Salem, a medical professional in Medford, or a retiree enjoying life in Hillsboro, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Oregon and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Oregon? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Oregon. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Oregon and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Oklahoma](https://25financial.com/areas-served/oklahoma-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Oklahoma​ ## Oklahoma is a Thriving Hub for Innovation and Growth From the bustling business hubs of Oklahoma City and Downtown Tulsa to the development of Norman, Broken Arrow, Lawton, or Edmond, Oklahoma offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Oklahoma and University of Tulsa, making it a top destination for medical professionals and health sciences. Oklahoma’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Oklahoma fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Norman to Oklahoma City and all the thriving residential communities in between—Oklahoma is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Oklahoma residents. Whether you’re a business owner in Tulsa, a medical professional in Stillwater, or a retiree enjoying life in Enid, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Oklahoma and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Oklahoma? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Oklahoma. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Oklahoma and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Ohio](https://25financial.com/areas-served/ohio-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Ohio​ ## Ohio is a Thriving Hub for Innovation and Growth From the bustling business hubs of Columbus and Downtown Cleveland to the development of Cincinnati, Toledo, Akron, or Dayton, Ohio offers a diverse landscape of opportunity and success. The state has world-class institutions like The Ohio State University and University of Dayton, making it a top destination for medical professionals and health sciences. Ohio’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Ohio fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Cincinnati to Columbus and all the thriving residential communities in between—Ohio is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Ohio residents. Whether you’re a business owner in Cleveland, a medical professional in Youngstown, or a retiree enjoying life in Canton, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Ohio and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Ohio? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in New Jersey. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Ohio and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [North Dakota](https://25financial.com/areas-served/north-dakota-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in North Dakota​ ## North Dakota is a Thriving Hub for Innovation and Growth From the bustling business hubs of Fargo and Downtown Bismarck to the development of Grand Forks, Minot, Williston, or Dickinson, North Dakota offers a diverse landscape of opportunity and success. The state has world-class institutions like North Dakota State University and University of North Dakota, making it a top destination for medical professionals and health sciences. North Dakota’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, North Dakota fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Grand Forks to Fargo and all the thriving residential communities in between—North Dakota is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of North Dakota residents. Whether you’re a business owner in Bismarck, a medical professional in Jamestown, or a retiree enjoying life in Mandan, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across North Dakota and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in North Dakota? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in North Dakota. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in North Dakota and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [New York](https://25financial.com/areas-served/new-york-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in New York​ ## New York is a Thriving Hub for Innovation and Growth From the bustling business hubs of New York City and Downtown Brooklyn to Manhattan, Queens, The Bronx, or Staten Island, New York offers a diverse landscape of opportunity and success. The state has world-class institutions like Cornell University and Columbia University, making it a top destination for medical professionals and health sciences. New York’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, New York fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Manhattan to New York City and all the thriving residential communities in between—New York is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of New York residents. Whether you’re a business owner in Brooklyn, a medical professional in Buffalo, or a retiree enjoying life in Rochester, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across New York and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in New York? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in New York. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in New York and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [New Mexico](https://25financial.com/areas-served/new-mexico-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in New Mexico​ ## New Mexico is a Thriving Hub for Innovation and Growth From the bustling business hubs of Albuquerque and Downtown Las Cruces to the development of Santa Fe, Roswell, Enchanted Hills, or Clovis, New Mexico offers a diverse landscape of opportunity and success. The state has world-class institutions like University of New Mexico and New Mexico State University, making it a top destination for medical professionals and health sciences. New Mexico’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, New Mexico fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Santa Fe to Albuquerque and all the thriving residential communities in between—New Mexico is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of New Mexico residents. Whether you’re a business owner in Las Cruces, a medical professional in Farmington, or a retiree enjoying life in South Valley, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across New Mexico and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in New Mexico? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in New Mexico. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in New Mexico and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [New Jersey](https://25financial.com/areas-served/new-jersey-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in New Jersey​ ## New Jersey is a Thriving Hub for Innovation and Growth From the bustling business hubs of Newark and Downtown Jersey City to the development of Trenton, Camden, Paterson, or Elizabeth, New Jersey offers a diverse landscape of opportunity and success. The state has world-class institutions like Princeton University and Rutgers University, making it a top destination for medical professionals and health sciences. New Jersey’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, New Jersey fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Trenton to Newark and all the thriving residential communities in between—New Jersey is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of New Jersey residents. Whether you’re a business owner in Jersey City, a medical professional in Edison, or a retiree enjoying life in Clifton, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across New Jersey and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in New Jersey? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in New Jersey. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in New Jersey and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [New Hampshire](https://25financial.com/areas-served/new-hampshire-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in New Hampshire​ ## New Hampshire​ is a Thriving Hub for Innovation and Growth From the bustling business hubs of Manchester and Downtown Concord to the development of Nashua, Derry Village, Dover, or Rochester, New Hampshire offers a diverse landscape of opportunity and success. The state has world-class institutions like Dartmouth College and University of New Hampshire, making it a top destination for medical professionals and health sciences. New Hampshire’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, New Hampshire fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Nashua to Manchester and all the thriving residential communities in between—New Hampshire is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of New Hampshire residents. Whether you’re a business owner in Concord, a medical professional in Portsmouth, or a retiree enjoying life in Keene, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across New Hampshire and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in New Hampshire​? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in New Hampshire. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in New Hampshire and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Nevada](https://25financial.com/areas-served/nevada-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Nevada​ ## Nevada is a Thriving Hub for Innovation and Growth From the bustling business hubs of Las Vegas and Downtown Henderson to the development of Reno, Carson City, Enterprise, or Sparks, Nevada offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Nevada Las Vegas and University of Nevada Reno, making it a top destination for medical professionals and health sciences. Nevada’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Nevada fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Reno to Las Vegas and all the thriving residential communities in between—Nevada is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Nevada residents. Whether you’re a business owner in Henderson, a medical professional in Paradise, or a retiree enjoying life in Whitney, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Nevada and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Nevada? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Nevada. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Nevada and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Nebraska](https://25financial.com/areas-served/nebraska-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Nebraska​ ## Nebraska is a Thriving Hub for Innovation and Growth From the bustling business hubs of Omaha and Downtown Lincoln to the development of Bellevue, Grand Island, Kearney, or Papillion, Nebraska offers a diverse landscape of opportunity and success. The state has world-class institutions like Creighton University and University of Nebraska, making it a top destination for medical professionals and health sciences. Nebraska’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Nebraska fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Bellevue to Omaha and all the thriving residential communities in between—Nebraska is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Nebraska residents. Whether you’re a business owner in Lincoln, a medical professional in Fremont, or a retiree enjoying life in La Vista, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Nebraska and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Nebraska? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Nebraska. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Nebraska and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Missouri](https://25financial.com/areas-served/missouri-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Missouri​ ## Missouri is a Thriving Hub for Innovation and Growth From the bustling business hubs of Clayton and Downtown St. Louis to the serene luxury of Ladue, Frontenac, Town and Country, and Wildwood, Missouri offers a diverse landscape of opportunity and success, which is why 25 Financial calls it home. Our state has world-class institutions like the University of Missouri in Columbia, Washington University School of Medicine, and Barnes-Jewish Hospital, making it a top destination for medical professionals and health sciences. Missouri’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Missouri fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from St. Louis to Kansas City and all the thriving residential communities in between—Missouri is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Missouri residents. Whether you’re a business owner in Clayton, a medical professional in Ladue, or a retiree enjoying life in Springfield, our local expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Missouri and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Missouri? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Missouri. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Missouri and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Mississippi](https://25financial.com/areas-served/mississippi-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Mississippi​ ## Mississippi is a Thriving Hub for Innovation and Growth From the bustling business hubs of Jackson and Downtown Gulfport to the development of Biloxi, Meridian, Tupelo, or Greenville, Mississippi offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Mississippi and Mississippi State University, making it a top destination for medical professionals and health sciences. Mississippi’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Mississippi fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Biloxi to Jackson and all the thriving residential communities in between—Mississippi is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Mississippi residents. Whether you’re a business owner in Gulfport, a medical professional in Southaven, or a retiree enjoying life in Hattiesburg, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Mississippi and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Mississippi? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Mississippi. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Mississippi and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Minnesota](https://25financial.com/areas-served/minnesota-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Minnesota​ ## Minnesota is a Thriving Hub for Innovation and Growth From the bustling business hubs of Minneapolis and Downtown Saint Paul to the development of Rochester, Bloomington, Duluth, or Brooklyn Park, Minnesota offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Minnesota and University of St. Thomas, making it a top destination for medical professionals and health sciences. Minnesota’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Minnesota fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Rochester to Minneapolis and all the thriving residential communities in between—Minnesota is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Minnesota residents. Whether you’re a business owner in Saint Paul, a medical professional in Maple Grove, or a retiree enjoying life in Saint Cloud, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Minnesota and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Minnesota? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Minnesota. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Minnesota and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Michigan](https://25financial.com/areas-served/michigan-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Michigan​ ## Michigan is a Thriving Hub for Innovation and Growth From the bustling business hubs of Detroit and Downtown Grand Rapids to the development of Ann Arbor, Lansing, Clinton Township, or Flint, Michigan offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Michigan and Michigan State University, making it a top destination for medical professionals and health sciences. Michigan’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Michigan fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Ann Arbor to Detroit and all the thriving residential communities in between—Michigan is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Michigan residents. Whether you’re a business owner in Grand Rapids, a medical professional in Dearborn, or a retiree enjoying life in Warren, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Michigan and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Michigan? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Michigan. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Michigan and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Massachusetts](https://25financial.com/areas-served/massachusetts-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Massachusetts​ ## Massachusetts is a Thriving Hub for Innovation and Growth From the bustling business hubs of Boston and Downtown Springfield to the development of Worcester, Cambridge, Quincy, or Newton, Massachusetts offers a diverse landscape of opportunity and success. The state has world-class institutions like Massachusetts Institute of Technology and Harvard University, making it a top destination for medical professionals and health sciences. Massachusetts’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Massachusetts fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Worcester to Boston and all the thriving residential communities in between—Massachusetts is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Massachusetts residents. Whether you’re a business owner in Springfield, a medical professional in Lowell, or a retiree enjoying life in New Bedford, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Massachusetts and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Massachusetts? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Massachusetts. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Massachusetts and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Maryland](https://25financial.com/areas-served/maryland-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Maryland​ ## Maryland is a Thriving Hub for Innovation and Growth From the bustling business hubs of Baltimore and Downtown Columbia to the development of Silver Spring, Frederick, Glen Burnie, or Bethesda, Maryland offers a diverse landscape of opportunity and success. The state has world-class institutions like Johns Hopkins University and University of Maryland, making it a top destination for medical professionals and health sciences. Maryland’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Maryland fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Silver Spring to Baltimore and all the thriving residential communities in between—Maryland is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Maryland residents. Whether you’re a business owner in Columbia, a medical professional in Germantown, or a retiree enjoying life in Waldorf, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Maryland and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Maryland? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Maryland. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Maryland and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Maine](https://25financial.com/areas-served/maine-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Maine​ ## Maine is a Thriving Hub for Innovation and Growth From the bustling business hubs of Portland and Downtown Bangor to the development of Lewiston, Brunswick, Augusta, or Bar Harbor, Maine offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Maine and University of New England, making it a top destination for medical professionals and health sciences. Maine’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Maine fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Lewiston to Portland and all the thriving residential communities in between—Maine is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Maine residents. Whether you’re a business owner in Bangor, a medical professional in Biddeford, or a retiree enjoying life in Saco, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Maine and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Maine? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Maine. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Maine and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Louisiana](https://25financial.com/areas-served/louisiana-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Louisiana​ ## Louisiana is a Thriving Hub for Innovation and Growth From the bustling business hubs of New Orleans and Downtown Baton Rouge to the development of Shreveport, Lafayette, Lake Charles, or Monroe, Louisiana offers a diverse landscape of opportunity and success. The state has world-class institutions like Tulane University and Louisiana State University, making it a top destination for medical professionals and health sciences. Louisiana’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Louisiana fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Shreveport to New Orleans and all the thriving residential communities in between—Louisiana is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Louisiana residents. Whether you’re a business owner in Baton Rouge, a medical professional in Alexandria, or a retiree enjoying life in Metairie, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Louisiana and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Louisiana? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Louisiana. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Louisiana and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Kentucky](https://25financial.com/areas-served/kentucky-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Kentucky​ ## Kentucky is a Thriving Hub for Innovation and Growth From the bustling business hubs of Lexington and Downtown Louisville to the development of Fayette, Bowling Green, Owensboro, or Florence, Kentucky offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Kentucky and University of Louisville, making it a top destination for medical professionals and health sciences. Kentucky’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Kentucky fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Fayette to Lexington and all the thriving residential communities in between—Kentucky is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Kentucky residents. Whether you’re a business owner in Louisville, a medical professional in Meads, or a retiree enjoying life in Covington, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Kentucky and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Kentucky? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Kentucky. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Kentucky and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Kansas](https://25financial.com/areas-served/kansas-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Kansas​ ## Kansas is a Thriving Hub for Innovation and Growth From the bustling business hubs of Wichita and Downtown Overland Park to the development of Kansas City, Topeka, Lawrence, or Manhattan, Kansas offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Kansas and Kansas State University, making it a top destination for medical professionals and health sciences. Kansas’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Kansas fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Kansas City to Wichita and all the thriving residential communities in between—Kansas is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Kansas residents. Whether you’re a business owner in Overland Park, a medical professional in Salina, or a retiree enjoying life in Shawnee, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Kansas and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Kansas? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Kansas. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Kansas and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Iowa](https://25financial.com/areas-served/iowa-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Iowa​ ## Iowa is a Thriving Hub for Innovation and Growth From the bustling business hubs of Des Moines and Downtown Cedar Rapids to the development of Davenport, Sioux City, Iowa City, or Ames, Iowa offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Iowa and Iowa State University, making it a top destination for medical professionals and health sciences. Iowa’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Iowa fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Davenport to Des Moines and all the thriving residential communities in between—Iowa is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Iowa residents. Whether you’re a business owner in Cedar Rapids, a medical professional in Council Bluffs, or a retiree enjoying life in Dubuque, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Iowa and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Iowa? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Iowa. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Iowa and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Indiana](https://25financial.com/areas-served/indiana-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Indiana​ ## Indiana is a Thriving Hub for Innovation and Growth From the bustling business hubs of Indianapolis and Downtown South Bend to the development of Fort Wayne, Evansville, Terre Haute, or Lafayette, Indiana offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Notre Dame and Indiana University, making it a top destination for medical professionals and health sciences. Indiana’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Indiana fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Fort Wayne to Indianapolis and all the thriving residential communities in between—Indiana is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Indiana residents. Whether you’re a business owner in South Bend, a medical professional in Bloomington, or a retiree enjoying life in Muncie, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Indiana and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Indiana? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Indiana. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Indiana and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Illinois](https://25financial.com/areas-served/illinois-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Illinois​ ## Illinois is a Thriving Hub for Innovation and Growth From the bustling business hubs of Chicago and Downtown Springfield to the development of Rockford, Peoria, Champaign, or Naperville, Illinois offers a diverse landscape of opportunity and success. The state has world-class institutions like Northwestern University and University of Illinois, making it a top destination for medical professionals and health sciences. Illinois’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Illinois fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Rockford to Chicago and all the thriving residential communities in between—Illinois is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Illinois residents. Whether you’re a business owner in Springfield, a medical professional in Joliet, or a retiree enjoying life in Aurora, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Illinois and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Illinois? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Illinois. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Illinois and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Idaho](https://25financial.com/areas-served/idaho-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Idaho​ ## Idaho is a Thriving Hub for Innovation and Growth From the bustling business hubs of Boise and Downtown Idaho Falls to the development of Coeur d’Alene, Meridian, Nampa, or Twin Falls, Idaho offers a diverse landscape of opportunity and success. The state has world-class institutions like Boise State University and University of Idaho, making it a top destination for medical professionals and health sciences. Idaho’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Idaho fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Coeur d’Alene to Boise and all the thriving residential communities in between—Idaho is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Idaho residents. Whether you’re a business owner in Idaho Falls, a medical professional in Lewiston, or a retiree enjoying life in Caldwell, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Idaho and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Idaho? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Idaho. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Idaho and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Hawaii](https://25financial.com/areas-served/hawaii-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Hawaii​ ## Hawaii is a Thriving Hub for Innovation and Growth From the bustling business hubs of Honolulu and Downtown Kailua to the development of Kona, Mililani, Kaneohe, or Waipahu, Hawaii offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Hawaii at Manoa and University of Hawaii at Hilo, making it a top destination for medical professionals and health sciences. Hawaii’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Hawaii fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Kona to Honolulu and all the thriving residential communities in between—Hawaii is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Hawaii residents. Whether you’re a business owner in Kailua, a medical professional in Pearl City, or a retiree enjoying life in Waianae, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Hawaii and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Hawaii? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Hawaii. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Hawaii and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Florida](https://25financial.com/areas-served/florida-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Florida​ ## Florida is a Thriving Hub for Innovation and Growth From the bustling business hubs of Miami and Downtown Tampa to the development of Jacksonville, Orlando, Tallahassee, or St. Petersburg, Florida offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Florida and Florida State University, making it a top destination for medical professionals and health sciences. Florida’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Florida fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Jacksonville to Miami and all the thriving residential communities in between—Florida is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Florida residents. Whether you’re a business owner in Tampa, a medical professional in Fort Lauderdale, or a retiree enjoying life in Cape Coral, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Florida and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Florida? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Florida. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Florida and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Delaware](https://25financial.com/areas-served/delaware-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Delaware ## Delaware is a Thriving Hub for Innovation and Growth From the bustling business hubs of Wilmington and Downtown Dover to the development of Newark, Delaware City, Middletown, or Lewes, Delaware offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Delaware and Delaware State University, making it a top destination for medical professionals and health sciences. Delaware’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Delaware fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Newark to Wilmington and all the thriving residential communities in between—Delaware is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Delaware residents. Whether you’re a business owner in Dover, a medical professional in Milford, or a retiree enjoying life in Smyrna, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Delaware and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Delaware? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Delaware. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Delaware and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Connecticut](https://25financial.com/areas-served/connecticut-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Connecticut​ ## Connecticut is a Thriving Hub for Innovation and Growth From the bustling business hubs of Bridgeport and Downtown New Haven to the development of Stamford, Hartford, Waterbury, or Norwalk, Connecticut offers a diverse landscape of opportunity and success. The state has world-class institutions like Yale University and University of Connecticut, making it a top destination for medical professionals and health sciences. Connecticut’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Connecticut fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Stamford to Bridgeport and all the thriving residential communities in between—Connecticut is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Connecticut residents. Whether you’re a business owner in New Haven, a medical professional in Danbury, or a retiree enjoying life in North Stamford, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Connecticut and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Connecticut? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Connecticut. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Connecticut and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Colorado](https://25financial.com/areas-served/colorado-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Colorado​ ## Colorado is a Thriving Hub for Innovation and Growth From the bustling business hubs of Denver and Downtown Colorado Springs to the development of Fort Collins, Lakewood, Aurora, or Boulder, Colorado offers a diverse landscape of opportunity and success. The state has world-class institutions like Colorado School of Mines and University of Colorado, making it a top destination for medical professionals and health sciences. Colorado’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Colorado fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Fort Collins to Denver and all the thriving residential communities in between—Colorado is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Colorado residents. Whether you’re a business owner in Colorado Springs, a medical professional in Longmont, or a retiree enjoying life in Centennial, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Colorado and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Colorado? A t 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Colorado. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Colorado and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [California](https://25financial.com/areas-served/california-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in California​ ## California is a Thriving Hub for Innovation and Growth From the bustling business hubs of Los Angeles and Downtown San Francisco to the development of San Diego, Sacramento, San Jose, or Fresno, California offers a diverse landscape of opportunity and success. The state has world-class institutions like Stanford University and California Institute of Technology, making it a top destination for medical professionals and health sciences. California’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, California fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from San Diego to Los Angeles and all the thriving residential communities in between—California is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of California residents. Whether you’re a business owner in San Francisco, a medical professional in Oakland, or a retiree enjoying life in Riverside, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across California and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in California? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in California. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in California and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Arkansas](https://25financial.com/areas-served/arkansas-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Arkansas ## Arkansas is a Thriving Hub for Innovation and Growth From the bustling business hubs of Little Rock and Downtown Bentonville to the development of Rogers, Fort Smith, Fayetteville, or Jonesboro, Arkansas offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Arkansas and Harding University, making it a top destination for medical professionals and health sciences. Arkansas’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Arkansas fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Rogers to Little Rock and all the thriving residential communities in between—Arkansas is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Arkansas residents. Whether you’re a business owner in Bentonville, a medical professional in Springdale, or a retiree enjoying life in North Little Rock, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Arkansas and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Arkansas? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Arkansas. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Arkansas and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Arizona](https://25financial.com/areas-served/arizona-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Arizona​ ## Arizona is a Thriving Hub for Innovation and Growth From the bustling business hubs of Phoenix and Downtown Tucson to the development of Mesa, Chandler, Gilbert, or Glendale, Arizona offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Arizona and Arizona State University, making it a top destination for medical professionals and health sciences. Arizona’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Arizona fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Mesa to Phoenix and all the thriving residential communities in between—Arizona is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Arizona residents. Whether you’re a business owner in Tucson, a medical professional in Scottsdale, or a retiree enjoying life in Tempe, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Arizona and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Arizona? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Arizona. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Arizona and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Alaska](https://25financial.com/areas-served/alaska-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Alaska​ ## Alaska is a Thriving Hub for Innovation and Growth From the bustling business hubs of Anchorage and Downtown Juneau to the development of Fairbanks, Ketchikan, Seward, or Sitka, Alaska offers a diverse landscape of opportunity and success. The state has world-class institutions like University of Alaska Anchorage and University of Alaska Fairbanks, making it a top destination for medical professionals and health sciences. Alaska’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Alaska fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Fairbanks to Anchorage and all the thriving residential communities in between—Alaska is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Alaska residents. Whether you’re a business owner in Juneau, a medical professional in Homer, or a retiree enjoying life in Kenai, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Alaska and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Alaska? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Alaska. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Alaska and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Alabama](https://25financial.com/areas-served/alabama-financial-advisor/) **Published:** February 18, 2026 **Author:** Pavin White **Content:** # Financial Planning in Alabama​ ## Alabama is a Thriving Hub for Innovation and Growth From the bustling business hubs of Huntsville and Downtown Birmingham to the development of Montgomery, Mobile, Tuscaloosa, or Auburn, Alabama offers a diverse landscape of opportunity and success. The state has world-class institutions like The University of Alabama and Auburn University, making it a top destination for medical professionals and health sciences. Alabama’s commitment to innovation in healthcare and education has positioned it as a national leader for careers in medicine, research, and business to thrive. Beyond healthcare, Alabama fosters a vibrant and dynamic economy that supports business owners, entrepreneurs, and high-net-worth individuals alike. With growing financial centers from Huntsville to Birmingham and all the thriving residential communities in between—Alabama is a state of boundless possibilities. At 25 Financial, we understand the unique financial needs of Alabama residents. Whether you’re a business owner in Mobile, a medical professional in Dothan, or a retiree enjoying life in Hoover, our expertise—combined with a nationwide reach—ensures we provide the highest level of financial service to clients across Alabama and in 40+ other states. ![](https://25financial.com/wp-content/uploads/2026/01/Advisors2-1024x683.jpg "25 Financial {Team Photos} - 25 Financial - 25 Financial") ![](https://25financial.com/wp-content/uploads/2024/06/20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter.gif "20028844-hd_1920_1080_30fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Why Choose 25 Financial Advisors in Alabama? At 25 Financial, we know that building a secure financial future requires more than just crunching numbers—it requires a deep understanding of your goals, your challenges, and your unique financial situation. As a fiduciary and a Registered Investment Advisor, we put your interests first, providing tailored financial planning and investment strategies that align with your life and aspirations. **WHAT SETS US APART:** **Deep Expertise**: Our team and partners include Certified Financial Planners (CFP), Chartered Retirement Planning Counselors (CRPC), Chartered Financial Analysts (CFA), Chartered Financial Consultants (ChFC), Certified Public Accountants (CPA), and other financial professionals with years of experience helping high-net-worth individuals. **Custom Solutions**: We provide bespoke investment advisory services, from estate planning and asset allocation to investment management and retirement planning, all designed to help you achieve your financial goals. **Transparent Guidance**: As members of the SEC and FINRA, we are committed to full transparency, ensuring every decision is in your best interest. From physicians balancing the demands of their careers to business owners expanding their enterprises, 25 Financial is your trusted partner for financial success in Alabama. ## Disciplined Investing for a Resilient Financial Future Our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper, and investors compete against each other for the most efficient financial participation in these companies (i.e., Shark Tank). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. This is where we step in. **HOW WE HELP:** **Diversification**: Our specialty is to balance risk and reward by spreading investment products across various asset classes, ensuring stability even during market fluctuations. **Strategic Allocation**: Our investment advisory team evaluates your risk tolerance and financial goals to craft a strategy that supports both growth and security. **Emotion-Free Decision-Making**: Do not chase or react to markets. Our registered investment advisers keep you grounded, ensuring every move is based on logic and strategy, not fear or greed. Let us guide you through the complexities of investing with a disciplined approach that prioritizes your long-term financial future. ![](https://25financial.com/wp-content/uploads/2024/06/4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter.gif "4763869-uhd_2732_1440_24fps-ezgif.com-video-to-gif-converter - 25 Financial - 25 Financial") ## Let's Chat! **Corporate Office Address** 135 West Adams Avenue St Louis, Missouri 63122 **Home Office Hours** Mon – Fri: 9am – 5pm CST By appointment only **Office Contact Information** [(314) 394-8385](tel:+3143948385) Contact Us First Name \* Last Name \* Referred By (if applicable) Current Age 18-25 26-35 36-45 46-55 56-65 65+ Current Retirement Savings Less than $250,000 $250,000 to $1 million $1 million to $2 million $2 million to $5 million $5 million to $10 million More than $10 million Annual Household Income Less than $100,000 $100,000 to $250,000 $250,000 to $500,000 $500,000 to $1 million More than $1 million Occupation Phone Number \* Email Address \* Preferred Communication Method Phone (Call) Phone (Text) Email Preferred Schedule Morning Afternoon Evening Weekend Services of Interest Financial Planning Tax Planning Debt Management Retirement Planning Alternative Investments Budgeting Help Insurance Coverage Message Submit If you are human, leave this field blank. ### Comprehensive Wealth Management Wealth management is about seeing the full picture and leaving no stone unturned. From retirement planning and estate planning to budgeting and portfolio management, we ensure every aspect of your financial life is considered. At 25 Financial, our wealth advisors provide a one-stop resource for achieving financial clarity and peace of mind. ### Alternative Investments Looking for high-potential returns? Our team offers alternative investment opportunities such as private equity, real estate syndications, and other exclusive ventures. Using a rigorous due diligence process, we align these opportunities with your unique financial needs and long-term goals, helping you achieve growth that outpaces traditional options. ### Financial Insights The world of wealth management is always evolving. At 25 Financial, we help you stay ahead with expert insights into tax planning, investment strategies, and other financial tools to grow and preserve wealth. Whether you’re navigating the complexities of a large estate or planning for retirement, our team is here to answer your questions and guide you every step of the way. ### Contact Us At 25 Financial, we help clients in Alabama and across the nation build a brighter financial future. Whether you’re a physician just starting your career, a business owner expanding your enterprise, or a high-net-worth retiree planning your legacy, our financial advisory firm has the expertise and dedication to help you achieve more. #### Let’s make the most of your 24 hours—actually, let’s make it 25. --- ### [Calculators](https://25financial.com/calculators/) **Published:** November 11, 2025 **Author:** Pavin White **Content:** Retirement Saving and Withdrawal Calculator Mortgage Calculator Life Insurance Calculator Personal Budget Planner Retirement Savings and Withdrawal Calculator ### Savings Current Annual Income 0 Current Retirement Savings \* 0 Monthly Retirement Contributions \* 0 Years Until Retirement \* 20years Years In Retirement \* 25years Investment Return \* 5% ### Totals Balance at Retirement Annual Saving Rate Total Contributions Earned Interest Estimated Monthly Budget in Retirement Submit If you are human, leave this field blank. Advanced Mortgage Calculator### Loan Information Home Value $.00 Loan Amount $.00 Interest Rate 6.00% 0%20% Length 30years 1years50years ### Taxes and Insurance Annual Taxes $.00 Annual Insurance $.00 Annual PMI % ### Financial Analysis Monthly Principal and Interest $ Monthly Insurance $ Monthly Taxes $ Loan to Value $ Monthly PMI $ Total Monthly Payment $ Submit If you are human, leave this field blank. Life Insurance Calculator Annual income needed $ How many years of income are required? years Total in savings and investment accounts $ Funeral expenses $ Inflation rate 2.5% 0%100% Estimated after tax investment yield 4% 0%100% Will your spouse be working? No Yes ### Spouse work Annual net income $ Expected number of years to work years Do you need college (or other) funding for children? No Yes ### Children funding Amount needed per child $ Number of children Estimated life insurance needed Submit If you are human, leave this field blank. Personal Budget Planner Monthly Salary 5000 Enter your total monthly income (exclusive of taxes). Other Income 5000 Grants, money from parents, disability benefits Loan Expenses 1000 Enter total amounts for mortgages, car payments, student loans, etc University Fees 500 Tuition fees, accommodation costs, course materials Household Bills 500 Enter your total gas, electricity, and water bill expenses Groceries 500 Enter your monthly groceries and food ordering costs Travel Costs 500 Rail, bus, coach expenses; Car (insurance, fuel, maintenance) Leisure/Miscellaneous 500 Entertainment, hobbies, clothes, monthly subscriptions Total Income $ The total income based on your monthly salary and other avenues. Total Expenses $ The total expenses based on the $ values provided in the fields above. Overspend Total $ The amount of cash if your expenses are higher than your income. Spare Cash $ The amount you're saving every month after minusing all expenses. Send My Results If you are human, leave this field blank. ### Want to dive deeper? Short Contact Us First Name \* Last Name \* Current Retirement Savings Less than $250,000$250,000 to $1 million$1 million to $2 million$2 million to $5 million$5 million to $10 millionMore than $10 million Annual Household Income Less than $100,000$100,000 to $250,000$250,000 to $500,000$500,000 to $1 millionMore than $1 million Current Age 18-2526-3536-4546-5556-6565+ Occupation Phone Number \* Email Address \* Message Submit If you are human, leave this field blank. Retirement Saving and Withdrawal Calculator Mortgage Calculator Life Insurance Calculator Personal Budget Planner Retirement Savings and Withdrawal Calculator ### Savings Current Annual Income 0 Current Retirement Savings \* 0 Monthly Retirement Contributions \* 0 Years Until Retirement \* 20years Years In Retirement \* 25years Investment Return \* 5% ### Totals Balance at Retirement Annual Saving Rate Total Contributions Earned Interest Estimated Monthly Budget in Retirement Submit If you are human, leave this field blank. Advanced Mortgage Calculator### Loan Information Home Value $.00 Loan Amount $.00 Interest Rate 6.00% 0%20% Length 30years 1years50years ### Taxes and Insurance Annual Taxes $.00 Annual Insurance $.00 Annual PMI % ### Financial Analysis Monthly Principal and Interest $ Monthly Insurance $ Monthly Taxes $ Loan to Value $ Monthly PMI $ Total Monthly Payment $ Submit If you are human, leave this field blank. Life Insurance Calculator Annual income needed $ How many years of income are required? years Total in savings and investment accounts $ Funeral expenses $ Inflation rate 2.5% 0%100% Estimated after tax investment yield 4% 0%100% Will your spouse be working? No Yes ### Spouse work Annual net income $ Expected number of years to work years Do you need college (or other) funding for children? No Yes ### Children funding Amount needed per child $ Number of children Estimated life insurance needed Submit If you are human, leave this field blank. Personal Budget Planner Monthly Salary 5000 Enter your total monthly income (exclusive of taxes). Other Income 5000 Grants, money from parents, disability benefits Loan Expenses 1000 Enter total amounts for mortgages, car payments, student loans, etc University Fees 500 Tuition fees, accommodation costs, course materials Household Bills 500 Enter your total gas, electricity, and water bill expenses Groceries 500 Enter your monthly groceries and food ordering costs Travel Costs 500 Rail, bus, coach expenses; Car (insurance, fuel, maintenance) Leisure/Miscellaneous 500 Entertainment, hobbies, clothes, monthly subscriptions Total Income $ The total income based on your monthly salary and other avenues. Total Expenses $ The total expenses based on the $ values provided in the fields above. Overspend Total $ The amount of cash if your expenses are higher than your income. Spare Cash $ The amount you're saving every month after minusing all expenses. Send My Results If you are human, leave this field blank. ### Want to dive deeper? Short Contact Us First Name \* Last Name \* Current Retirement Savings Less than $250,000$250,000 to $1 million$1 million to $2 million$2 million to $5 million$5 million to $10 millionMore than $10 million Annual Household Income Less than $100,000$100,000 to $250,000$250,000 to $500,000$500,000 to $1 millionMore than $1 million Current Age 18-2526-3536-4546-5556-6565+ Occupation Phone Number \* Email Address \* Message Submit If you are human, leave this field blank. ## Your Wealth, Our Expertise: Why Work With Our Financial Advisors? **Expertise in Healthcare and High-Income Professions**: Our wealth management team understands the unique financial landscape of healthcare professionals. We provide personalized financial advice and investment strategies that align with your career stage and financial goals. **Customized Financial Planning**: At 25 Financial, we offer personalized financial plans that are comprehensive and unbiased. Whether you are looking to invest in fixed income, private banking, or other investment advisory services, our advisors tailor strategies to suit your risk tolerance, liquidity needs, and long-term objectives. **Access to Exclusive Investment Opportunities**: Our advisors have built a private wealth planning firm that allows clients access to investments that can’t be found anywhere else. Over the years, they have established strong relationships with the principles of these private alternative investment funds, including high-yield opportunities like real estate syndications and private practice investments. **Tax-Efficient Investment Strategies**: Navigating the complexities of income tax and finding tax-efficient investment options are crucial for high-income professionals. Our advisors work with CPAs to implement strategies that minimize your taxable income stream and maximize tax deductions, ensuring your investments grow in the most efficient manner possible. **Investment Risk Management**: The stock market can be volatile, but our registered investment advisors are here to guide you through uncertain times. We help you develop a robust strategy that includes a mix of asset classes to reduce risk and enhance stability, ensuring your portfolio remains resilient through market fluctuations. ***Disclaimers:*** *The calculator tools above are intended for informational purposes and only intended to calculate an unofficial projection. It is not intended, and should not be taken as an official estimate, nor should it be relied upon as a calculation of the exact amount.* *The content above is for informational purposes only and is not individualized investment advice. Please consult with a professional financial advisor and perform your own analysis before making any decisions. It is very important to do your own analysis before making any investment based on your own personal circumstances.* *25 Financial Advisors are not tax professionals. You should consult with your tax professional before taking actions which affect your tax situation.* --- ### [STL Areas Served](https://25financial.com/areas-served-st-louis/) **Published:** February 29, 2024 **Author:** Pavin White **Content:** # Financial Planning in St Louis, Missouri ##### Specializing in Physicians, Business Owners, and other High-Net-Worth accredited investors. ###### Building a financial plan is like building a house – you start with the foundation, not the 2nd floor. These items aren’t exciting, but they need to be in place if you want to have a stable platform to build from. Our comprehensive financial plans include insurance review and planning, debt management strategies, employee benefits planning and analysis, investment planning, proactive tax strategies, college, retirement and legacy planning, and estate and asset protection planning. Wealth management for physicians is unlike financial planning for the general public. Physicians graduate with loads of student loan debt, begin retirement planning later in life, have shorter time horizons to reach their much larger-than-average retirement income goals and have a target on their back for lawsuits and taxes throughout their careers. As a team, we will strive to provide relevant insight to assist you as you invest more and do more with your life. The world of wealth management and finance is constantly evolving, so we aim to make it easy for our clients to stay up-to-date on the latest changes. We are honored to offer our experience and knowledge of the wealth management field to better equip and inform your investment decisions. We believe in the benefit of including alternative investment opportunities that can bring the kind of returns that drive out-performance.To evaluate investment opportunities, we use an extensive due diligence model, adapted from some of the top private equity firms in the industry. Our creative and carefully-vetted partnerships bring a range of opportunities to our clients. [ Contact Us Today To Learn More ](https://25financial.com/contact/) [ Read More About Our Principles ](https://25financial.com/blog/) ![](https://25financial.com/wp-content/uploads/2024/02/25F_-12-edited-1-1536x960-1-1300x650.jpg "25F_-12-edited-1-1536x960 (1) - 25 Financial - 25 Financial") ## Outrun Investors with Disciplined Investing Similarly, our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper and investors compete against each other for the most efficient financial participation in these companies (i.e. [Shark Tank](https://abc.com/shows/shark-tank/about-the-show)). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. How? Remain diversified through disciplined investing according to your pre-determined investment plan. Do not chase or react to markets. Unfortunately, emotions war against our ability to do this. To begin, our brains are not wired for disciplined investing: ## Comprehensive Wealth Management ## Comprehensive Wealth Management Wealth management and financial planning for physicians includes a number of components such as insurance, taxes, retirement planning, employer benefits, estate planning, employment contracts and mortgage planning to name a few. We are a one-stop resource for our clients so they can rest assured nothing will be missed. ## Alternative Investments ## Alternative Investments We believe in the benefit of including alternative investment opportunities that can bring the kind of returns that drive out-performance. To evaluate investment opportunities, we use an extensive due diligence model, adapted from some of the top private equity firms in the industry. Our creative and carefully-vetted partnerships bring a range of opportunities to our clients. ## Financial Insights ## Financial Insights Have questions about financial planning for physicians, alternative investments, tax planning, and other investment strategies to grow wealth? You’ll find financial planning answers here.nts. ## Serving these St Louis neighborhoods and more: ###### Augusta Financial Planning Ballwin Financial Planning Brentwood Financial Planning Central West End Financial Planning Chesterfield Financial Planning Clayton Financial Planning Cottleville Financial Planning Crestwood Financial Planning Creve Coeur Financial Planning Des Peres Financial Planning Ellisville Financial Planning Eureka Financial Planning Fenton Financial Planning Frontenac Financial Planning Glendale Financial Planning Huntleigh Financial Planning Kirkwood Financial Planning Ladue Financial Planning Lafayette Square Financial Planning Lake Saint Louis Financial Planning Lindenwood Financial Planning Manchester Financial Planning Maplewood Financial Planning Maryland Heights Financial Planning Oakland Financial Planning Olivette Financial Planning Rock Hill Financial Planning Saint Louis Hills Financial Planning St Charles Financial Planning St Peters Financial Planning Sunset Hills Financial Planning Tower Grove Financial Planning Town and Country Financial Planning University City Financial Planning Valley Park Financial Planning Warson Woods Financial Planning Webster Groves Financial Planning Weldon Spring Financial Planning Westwood Financial Planning Wildwood Financial Planning ###### Augusta Financial Advisor Ballwin Financial Advisor Brentwood Financial Advisor Central West End Financial Advisor Chesterfield Financial Advisor Clayton Financial Advisor Cottleville Financial Advisor Crestwood Financial Advisor Creve Coeur Financial Advisor Des Peres Financial Advisor Ellisville Financial Advisor Eureka Financial Advisor Fenton Financial Advisor Frontenac Financial Advisor Glendale Financial Advisor Huntleigh Financial Advisor Kirkwood Financial Advisor Ladue Financial Advisor Lafayette Square Financial Advisor Lake Saint Louis Financial Advisor Lindenwood Financial Advisor Manchester Financial Advisor Maplewood Financial Advisor Maryland Heights Financial Advisor Oakland Financial Advisor Olivette Financial Advisor Rock Hill Financial Advisor Saint Louis Hills Financial Advisor St Charles Financial Advisor St Peters Financial Advisor Sunset Hills Financial Advisor Tower Grove Financial Advisor Town and Country Financial Advisor University City Financial Advisor Valley Park Financial Advisor Warson Woods Financial Advisor Webster Groves Financial Advisor Weldon Spring Financial Advisor Westwood Financial Advisor Wildwood Financial Advisor --- ### [Practice Match Lead](https://25financial.com/practice-match-partner/) **Published:** July 17, 2024 **Author:** Pavin White **Content:** # Adding Value at No Cost #### 25 Financial providing Practice Match members new tools ## Benefits to Hospital Groups ![](https://25financial.com/wp-content/uploads/2024/07/free-1-blue.png)No Cost to the Hospital​![](https://25financial.com/wp-content/uploads/2024/07/stress-blue.png)Eliminate physician burnout cause by financial stress![](https://25financial.com/wp-content/uploads/2024/07/concentrate-blue.png)Remove distractions for physicians so they can focus on patients![](https://25financial.com/wp-content/uploads/2024/07/recruitment-blue.png)Enhanced recruitment appeal with added financial support services![](https://25financial.com/wp-content/uploads/2024/07/engineering-blue.png)Streamlined onboarding for physicians ## Stephan McKee ![](https://25financial.com/wp-content/uploads/2023/02/Stephan.png) [ Email Stephan to learn more ](mailto:stephan.mckee@25financial.com) [ Call Stephan to learn more ](tel:+14059229080) [ Schedule a meeting with Stephan now! ](https://calendly.com/25-financial/hospital_group) ## Why 25 Financial are Experts with Physicians ### Extensive experience working with physicians ### Decrease physician financial stress through comprehensive and convenient services ### Deep understanding of physician goals and financial needs ### Enhanced financial stability and satisfaction for in-practice or onboarding physicians ### Comprehensive services tailored to physicians ### Customized financial solutions for physicians at no cost to hospitals ## Previous Partnership Programs ![WashU_St._Louis_seal.svg](https://25financial.com/wp-content/uploads/2024/07/WashU_St._Louis_seal.svg.png) Washington University School of Medicine ![SLU Logo](https://25financial.com/wp-content/uploads/2024/07/SLU-Logo.png) St Louis University School of Medicine ![UMKC](https://25financial.com/wp-content/uploads/2024/07/UMKC.jpg) UMKC School of Medicine ![Sd-eNray_400x400](https://25financial.com/wp-content/uploads/2024/07/Sd-eNray_400x400.jpg) University of Alabama - Tuscaloosa ![RUSH](https://25financial.com/wp-content/uploads/2024/07/RUSH.jpg) RUSH Medical College ![ETSU](https://25financial.com/wp-content/uploads/2024/07/ETSU.png) East Tennessee State University ![UCLA](https://25financial.com/wp-content/uploads/2024/07/UCLA.png) UCLA School of Medicine ![Mizzou](https://25financial.com/wp-content/uploads/2024/07/Mizzou.png) Missouri School of Medicine ![Englewood](https://25financial.com/wp-content/uploads/2024/07/Englewood.png) Englewood Health ## Physician Financial Stressors Debt Consolidation 70% of transitioning Physicians have $100k+ debt; 54% with more than $200k. – Association of American Medical Colleges Student Loan Forgiveness Program 56% of physicians plan to enter loan forgiveness or repayment program. – Association of American Medical College Individual Disability Insurance Average disability lasts 31.2 months. – Council for Disability Awareness Life Insurance Defensive step to prevent worst case scenarios. Physician Home Mortgage No down payment nor income history required. Trusts, Estate Plans, and Wills 34% (1 in 3) of physicians have had a medical liability lawsuit; 1 in 2 by age 55. – American Medical Association W2 & 1099 Tax Mitigation Current tax brackets sunset 2025. Tax brackets to increase as high as 39.6%. – Internal Revenue Service Finances reported as the 2nd leading cause of physician depression and stress. – Medscape --- ### [Iowa Areas Served](https://25financial.com/iowa-areas-served/) **Published:** February 29, 2024 **Author:** Pavin White **Content:** # Financial Planning in Cedar Rapids, Iowa and Iowa City, Iowa ##### Specializing in Physicians, Business Owners, and other High-Net-Worth accredited investors. ###### Building a financial plan is like building a house – you start with the foundation, not the 2nd floor. These items aren’t exciting, but they need to be in place if you want to have a stable platform to build from. Our comprehensive financial plans include insurance review and planning, debt management strategies, employee benefits planning and analysis, investment planning, proactive tax strategies, college, retirement and legacy planning, and estate and asset protection planning. Wealth management for physicians is unlike financial planning for the general public. Physicians graduate with loads of student loan debt, begin retirement planning later in life, have shorter time horizons to reach their much larger-than-average retirement income goals and have a target on their back for lawsuits and taxes throughout their careers. As a team, we will strive to provide relevant insight to assist you as you invest more and do more with your life. The world of wealth management and finance is constantly evolving, so we aim to make it easy for our clients to stay up-to-date on the latest changes. We are honored to offer our experience and knowledge of the wealth management field to better equip and inform your investment decisions. We believe in the benefit of including alternative investment opportunities that can bring the kind of returns that drive out-performance. To evaluate investment opportunities, we use an extensive due diligence model, adapted from some of the top private equity firms in the industry. Our creative and carefully-vetted partnerships bring a range of opportunities to our clients. [ Contact Us Today To Learn More ](https://25financial.com/contact/) [ Read More About Our Principles ](https://25financial.com/blog/) ![](https://25financial.com/wp-content/uploads/2022/10/nate-circle.png) # Nathan Brooks ### Partner, Financial Advisor ##### Coming from a family with a long legacy in medicine, Nathan understands the lifestyle and time constraints of physicians. As a financial planning advisor, he helps physicians accumulate and protect wealth so they are free to focus on family and medicine. He helps clients formulate goals and then execute a plan to reach them. Nathan holds several designations including his Series 7, Series 66, and Life and Health Insurance licenses. Nathan graduated from Biola University in La Mirada, CA. He enjoys traveling with his wife, live music, and being involved in his local church in Iowa City, Iowa. [ Email Nathan ](mailto:nathan.brooks@25financial.com) [ Call Nathan ](tel:3194000819) ## Outrun Investors with Disciplined Investing Similarly, our goal is not to avoid “bear” markets and risk altogether. That is impossible (even holding cash carries inflation risk). Instead, a free market economy is built on competition. Companies compete to make products or services faster and cheaper and investors compete against each other for the most efficient financial participation in these companies (i.e. [Shark Tank](https://abc.com/shows/shark-tank/about-the-show)). The goal for investors, therefore, is to get the most reward for the risk that they are taking with their investments. And this often means “outrunning” the competition in bear (and bull) markets. How? Remain diversified through disciplined investing according to your pre-determined investment plan. Do not chase or react to markets. Unfortunately, emotions war against our ability to do this. To begin, our brains are not wired for disciplined investing: ## Comprehensive Wealth Management ## Comprehensive Wealth Management Wealth management and financial planning for physicians includes a number of components such as insurance, taxes, retirement planning, employer benefits, estate planning, employment contracts and mortgage planning to name a few. We are a one-stop resource for our clients so they can rest assured nothing will be missed. ## Alternative Investments ## Alternative Investments We believe in the benefit of including alternative investment opportunities that can bring the kind of returns that drive out-performance. To evaluate investment opportunities, we use an extensive due diligence model, adapted from some of the top private equity firms in the industry. Our creative and carefully-vetted partnerships bring a range of opportunities to our clients. ## Financial Insights ## Financial Insights Have questions about financial planning for physicians, alternative investments, tax planning, and other investment strategies to grow wealth? You’ll find financial planning answers here.nts. ## Serving these Iowa neighborhoods and more: ###### Bondurant Financial Planning Cedar Hills Financial Planning Cedar Lake Financial Planning Cedar Rapids Financial Planning Cedar Valley Financial Planning Cleveland Area Financial Planning Clive Financial Planning Coralville Financial Planning Eastside Financial Planning Goose Town Financial Planning Hills Financial Planning Huxley Financial Planning Iowa City Financial Planning Kenwood Park Financial Planning Linn Junction Financial Planning Longfellow Financial Planning Lucas Farms Financial Planning Manville Heights Financial Planning Mormon Trek Village Financial Planning Mound View Financial Planning New Buffalo Financial Planning NewBo Financial Planning Noelridge Park Financial Planning Northside Financial Planning Northwest Area Financial Planning Oak Grove Financial Planning Peninsula Area Financial Planning Shimek Financial Planning University of Iowa Financial Planning Upper Northwest Financial Planning Urbandale Financial Planning Walden Woods Financial Planning Walnut Ridge Financial Planning Washington Hills Financial Planning Waukee Financial Planning Wetherby Financial Planning ###### Bondurant Financial Advisor Cedar Hills Financial Advisor Cedar Lake Financial Advisor Cedar Rapids Financial Advisor Cedar Valley Financial Advisor Cleveland Area Financial Advisor Clive Financial Advisor Coralville Financial Advisor Eastside Financial Advisor Goose Town Financial Advisor Hills Financial Advisor Huxley Financial Advisor Iowa City Financial Advisor Kenwood Park Financial Advisor Linn Junction Financial Advisor Longfellow Financial Advisor Lucas Farms Financial Advisor Manville Heights Financial Advisor Mormon Trek Village Financial Advisor Mound View Financial Advisor New Buffalo Financial Advisor NewBo Financial Advisor Noelridge Park Financial Advisor Northside Financial Advisor Northwest Area Financial Advisor Oak Grove Financial Advisor Peninsula Area Financial Advisor Shimek Financial Advisor University of Iowa Financial Advisor Upper Northwest Financial Advisor Urbandale Financial Advisor Walden Woods Financial Advisor Walnut Ridge Financial Advisor Washington Hills Financial Advisor Waukee Financial Advisor Wetherby Financial Advisor --- ### [Brad QR Code](https://25financial.com/brad/) **Published:** January 30, 2025 **Author:** Pavin White **Content:** ![](https://25financial.com/wp-content/uploads/2025/01/BradQRCode.png) --- ### [Physicians](https://25financial.com/physicians/) **Published:** July 1, 2024 **Author:** Pavin White --- ### [Dinner](https://25financial.com/dinner/) **Published:** September 5, 2023 **Author:** 25 Financial **Content:** [![](https://25financial.com/wp-content/uploads/2023/09/Jon-Tim-Marketing-Dinner-Invite-header-1024x345.jpg "Jon-&-Tim-Marketing-Dinner-Invite header - 25 Financial")](http://events.constantcontact.com/register/event?llr=uo9kreabb&oeidk=a07ejyv5f9z5f1260f1)Please click the link below to register for our next upcoming Accredited Investor Dinner [**https://lp.constantcontactpages.com/ev/reg/c7mzw7m**](http://events.constantcontact.com/register/event?llr=uo9kreabb&oeidk=a07ek3bpnzkfdcec760) --- ### [Client Portal](https://25financial.com/clientportal/) **Published:** January 9, 2024 **Author:** Pavin White --- ### [Payments](https://25financial.com/payments/) **Published:** December 28, 2023 **Author:** Pavin White --- ### [Practice Match Redirect](https://25financial.com/practicematch/) **Published:** October 26, 2023 **Author:** Pavin White --- ### [Partner Conversations](https://25financial.com/partnerconversations/) **Published:** September 7, 2023 **Author:** Pavin White **Content:** [Visit our YouTube Channel](https://youtube.com/playlist?list=PLK-B2FuuoSnJJGfMiD6slnaNTkbvX8wnP&si=qUkjChc2NOb7SUdc) --- ### [Privacy Policy](https://25financial.com/privacy-policy/) **Published:** September 5, 2023 **Author:** Pavin White **Content:** ## Privacy Policy When accessing our Website, 25 Financial will learn certain information about you during your visit. How we will handle information we learn about you depends upon what you do when visiting our site. If you visit our site to read or download information on our pages, we collect and store only the following information about you: - The name of the domain from which you access the Internet - The date and time you access our site - The Internet address of the website you used to link directly to our site. If you identify yourself by sending us an e-mail containing personal information, then the information collected will be solely used to respond to your message. The information collected is for statistical purposes. 25 Financial may use software programs to create summary statistics, which are used for such purposes as assessing the number of visitors to the different sections of our site, what information is of most and least interest, and identifying web system performance or problem areas. For site security purposes and to ensure that this service remains available to all users, 25 Financial uses software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. This information is shared with Federal Agencies dealing in cyber security. 25 Financial will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information to us, nor will such information be sold or otherwise transferred to unaffiliated third parties without the approval of the user at the time of collection. --- ### [Oasis_International](https://25financial.com/oasis_international/) **Published:** July 10, 2023 **Author:** 25 Financial **Content:** \[vc\_row full\_width=”stretch\_row\_content” full\_height=”yes” parallax=”content-moving” parallax\_image=”6563″ row\_background\_lines=”no”\]\[vc\_column offset=”vc\_hidden-sm vc\_hidden-xs”\]\[vc\_column\_text\] # **Let’s Do Something** #### **OASIS, International + 25 Financial** #### **Saturday, September 23. 11AM-2PM** \[/vc\_column\_text\]\[/vc\_column\]\[vc\_column offset=”vc\_hidden-lg vc\_hidden-md”\]\[vc\_column\_text\] # **Let’s Do Something** #### **OASIS, International + 25 Financial** #### **Saturday, September 23. 11AM – 2PM** \[/vc\_column\_text\]\[/vc\_column\]\[/vc\_row\]\[vc\_row equal\_height=”yes” row\_background\_lines=”no” css=”.vc\_custom\_1688752866670{padding-top: 40px !important;}”\]\[vc\_column width=”1/3″\]\[vc\_single\_image image=”6479″ img\_size=”500×500″ style=”vc\_box\_circle\_2″ css\_animation=”left-to-right” css=”.vc\_custom\_1689010756794{padding-top: 30px !important;padding-right: 40px !important;}”\]\[/vc\_column\]\[vc\_column width=”2/3″ css=”.vc\_custom\_1688753402972{padding-bottom: 80px !important;}”\]\[vc\_column\_text css\_animation=”right-to-left”\] ## **Join Us and Make a Difference** 25 Financial is excited to announce our upcoming joint event with Oasis International on **Saturday, September 23rd, 2023, from 11AM – 2PM.** Team 25 is moving into our new home at 135 W. Adams Ave and would like to inaugurate the space with an event that reflects our Vision: To help others live life to their fullest potential. We invite our Kirkwood neighbors to stop by and welcome the 25 team to the neighborhood, as well as meet and welcome several refugee families to their new home in St. Louis. **We will have a special message from the Oasis team and 25 Financial Partners at 12:30PM.** There will be food trucks, DJ Slim spinning, bouncy houses and games for the kids, and most importantly, 2 large trucks to accept donations on the lists below (please ONLY donate items on the list). All donations will go directly to families through Oasis International. Tax receipts available upon request. **Our goal is to raise awareness and $100,000 for Oasis International on September 23rd through in-kind and cash donations. 25 Financial has kicked off the fund raise by donating 2 cars, dozens of bikes and cash to families totaling $30,000.** Thank you in advance and we look forward to meeting you!\[/vc\_column\_text\]\[vc\_row\_inner\]\[vc\_column\_inner width=”1/2″\]\[vc\_btn title=”Learn More about OASIS, International” style=”custom” custom\_background=”#236093″ custom\_text=”#ffffff” shape=”square” size=”lg” align=”left” css\_animation=”right-to-left” link=”url:https%3A%2F%2Fwww.oasis4refugees.org%2F|target:\_blank” css=”.vc\_custom\_1689012761151{padding-top: 20px !important;}”\]\[/vc\_column\_inner\]\[vc\_column\_inner width=”1/2″\]\[vc\_btn title=”Donation List” style=”custom” custom\_background=”#eaeaea” custom\_text=”#236093″ shape=”square” size=”lg” css\_animation=”right-to-left” css=”.vc\_custom\_1689179691353{padding-top: 20px !important;}” link=”url:https%3A%2F%2F25web.s3.us-east-2.amazonaws.com%2FMost%2BNeeded%2BItems%2BOasis-%2BUpdate%2BJune%2B2023.pdf|target:\_blank”\]\[/vc\_column\_inner\]\[/vc\_row\_inner\]\[/vc\_column\]\[/vc\_row\]\[vc\_row full\_width=”stretch\_row\_content” equal\_height=”yes” row\_background\_lines=”no”\]\[vc\_column width=”1/2″ css=”.vc\_custom\_1688753116835{background-color: #236093 !important;}”\]\[vc\_single\_image image=”4946″ img\_size=”300×300″ alignment=”center” style=”vc\_box\_circle\_2″ css=”.vc\_custom\_1688753335770{padding-top: 30px !important;}”\]\[vc\_column\_text css=”.vc\_custom\_1688754441939{padding-top: 30px !important;padding-right: 80px !important;padding-left: 80px !important;}”\]“Have you ever witnessed a global tragedy but felt powerless to do anything to help? I have. It was August 26, 2021. I felt helpless and frustrated. That week, I watched humans fall out of airplane landing gear and babies dropped over fences – all attempting to flee the ruthless new Taliban regime in Afghanistan. “I have to do *something*, but what!? I’m halfway around the world…and what can I do that the United States could not accomplish in 20 years of occupancy?” I did what I often do when I am out of answers. I turned to God. That night I sent a social media blast for an impromptu prayer night for the Afghan people, our leadership and our troops. About 30 people showed up. We prayed for about 2 hours. It’s hard to believe what happened next.”\[/vc\_column\_text\]\[vc\_btn title=”Read More from 25 Financial Founding Partner, Randy Larson” style=”custom” custom\_background=”#eaeaea” custom\_text=”#236093″ shape=”square” align=”center” css=”.vc\_custom\_1689012908514{padding-top: 40px !important;padding-bottom: 80px !important;}” link=”url:https%3A%2F%2F25financial.com%2F25-financial-and-oasis-international%2F|title:25%20Financial%20and%20Oasis%20International”\]\[/vc\_column\]\[vc\_column width=”1/2″ css=”.vc\_custom\_1688753129037{background-color: #eaeaea !important;}”\]\[vc\_single\_image image=”6554″ img\_size=”300×300″ alignment=”center” style=”vc\_box\_circle\_2″ css=”.vc\_custom\_1688753344178{padding-top: 30px !important;}”\]\[vc\_column\_text css=”.vc\_custom\_1688754448864{padding-top: 30px !important;padding-right: 80px !important;padding-left: 80px !important;}”\] “What a great opportunity St. Louis to help Afghan men who served next to our U.S. military, being their translators, drivers, and fellow soldiers! We do our best to honor them and their families as we do our own veterans. One Afghan refugee father told us “I didn’t want my children, especially my girls, to grow up in a war zone, constantly running and hiding from exploding bombs and seeing people killed. I feel like there is a bright future in America. “ Oasis International heart is to be a part of that bright future that so many refugee families are longing for.” \[/vc\_column\_text\]\[vc\_btn title=”Read More from OASIS, International Founder, Mark Akers” style=”custom” custom\_background=”#002b49″ custom\_text=”#ffffff” shape=”square” align=”center” css=”.vc\_custom\_1689012913522{padding-top: 40px !important;padding-bottom: 80px !important;}” link=”url:https%3A%2F%2F25financial.com%2Foasis-international%2F|title:Oasis%2C%20International”\]\[/vc\_column\]\[/vc\_row\] --- ## Categories ### [Finance](https://25financial.com/category/finance/) --- ### [Tax Information](https://25financial.com/category/tax-info/) --- ### [NEW](https://25financial.com/category/new/) --- ### [PHYSICIANS](https://25financial.com/category/physicians/) --- ### [Alternatives](https://25financial.com/category/alternative/) --- ### [BASICS](https://25financial.com/category/basics/) --- ### 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