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# 25 Financial

Private Wealth Management Firm for Physicians and Investors

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## Posts

- [Wells Fargo Advisors vs. Competitors](https://25financial.com/wells-fargo-advisors-vs-competitors/) - 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
- [Goldman Sachs Advisors vs Competitors](https://25financial.com/goldman-sachs-advisors-vs-competitors/) - 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
- [Raymond James vs Competitors](https://25financial.com/raymond-james-vs-competitors/) - 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
- [UBS Wealth Management vs Competitors](https://25financial.com/ubs-wealth-management-vs-competitors/) - 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
- [LPL Financial Advisors vs Competitors](https://25financial.com/lpl-financial-advisors-vs-competitors/) - 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
- [Send Me: Expanding Our Impact in Guatemala](https://25financial.com/send-me/) - At 25 Financial, generosity has always been woven into our mission. It’s part of how we define living 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 to bring hope and opportunity to communities around the world. Today, that mission continues—and
- [The Physician's Complete Guide to Medical School Loans](https://25financial.com/the-physicians-complete-guide-to-medical-school-loans/) - 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.
- [Fidelity Investments vs Competitors: A Comprehensive Comparison](https://25financial.com/fidelity-investments-vs-competitors-a-comprehensive-comparison/) - 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:
- [Morgan Stanley vs Competitors: Private Wealth Management Edge](https://25financial.com/morgan-stanley-vs-competitors-private-wealth-management-edge/) - 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,
- [Stifel vs Competitors: Comprehensive Comparison](https://25financial.com/stifel-vs-competitors-comprehensive-comparison/) - 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
- [Merrill vs Competitors: Comparing Investment Platforms](https://25financial.com/merrill-vs-competitors-comparing-investment-platforms/) - 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.
- [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/) - 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
- [Common Tax Mistakes Made by Doctors](https://25financial.com/common-tax-mistakes-made-by-doctors/) - 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
- [Alternative Investments for High Net Worth Individuals](https://25financial.com/alternative-investments-for-high-net-worth-individuals/) - 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
- [Tax Deductions Every Doctor Should Know](https://25financial.com/tax-deductions-every-doctor-should-know/) - 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
- [Choosing the Right Wealth Management Firm](https://25financial.com/choosing-the-right-wealth-management-firm/) - 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
- [Strategies for Managing a Maxed Out 401k](https://25financial.com/strategies-for-managing-a-maxed-out-401k/) - 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
- [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 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
- [Strategies to Effectively Lower Your Taxable Income](https://25financial.com/strategies-to-effectively-lower-your-taxable-income/) - 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
- [401k vs 403b vs 457](https://25financial.com/401k-vs-403b-vs-457/) - 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
- [The Top 3 Estate Planning Mistakes Doctors Make](https://25financial.com/the-top-3-estate-planning-mistakes-doctors-make/) - 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,
- [Advantages and Drawbacks of Being an Independent Contractor](https://25financial.com/advantages-and-drawbacks-of-being-an-independent-contractor/) - 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
- [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/) -  Written by: Jeff Larson, Managing Partner, AdvisorAlternative Investments are investment opportunities 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
- [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/) - 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.
- [Top 5 Financial Mistakes Residents Make](https://25financial.com/top-5-financial-mistakes-residents-make/) - 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
- [The WHAT and the WHY](https://25financial.com/the-what-and-the-why/) - 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
- [Flip the Switch](https://25financial.com/flip-the-switch/) - Written by: Terry Tsue, MD FACS*The Multi-tasking MythI 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
- [Oasis, International](https://25financial.com/oasis-international/) - Written by: Randy Larson, J.D., LL.M.Oasis International MinistriesWhat 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
- [5 Tips for Flipping the Switch](https://25financial.com/5-tips-for-flipping-the-switch/) - Written by: Terry Tsue, MD FACS*ON vs. OFFI 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
- [Slow and Steady Growth](https://25financial.com/slow-and-steady-growth/) - 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) This story will probably rear its head again in a future post, but for now, I have just one more profound lesson from that
- [Three Steps to Turn Time into Wealth](https://25financial.com/three-steps-to-turn-time-into-wealth/) - 3 Steps to Turn Time into WealthThrough 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,
- [Rich vs. Wealthy](https://25financial.com/rich-vs-wealthy/) - Written by: Terry Tsue, MD FACS*Rich vs. WealthyI 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
- [The Go-Go Years](https://25financial.com/the-go-go-years/) - 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
- [Change The Frailty Slope](https://25financial.com/change-the-frailty-slope/) - 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
- [Tax Mitigation Strategies for Doctors](https://25financial.com/tax-mitigation-strategies/) - Roth Conversion Strategies​ Direct Indexing​ Oil and Gas Investments: Intangible Drilling Tax Credit​ S-Corp Elections for 1099 Income​ Tax-Efficient Portfolio Management​ Opportunity Zones​ 1031 Exchanges​ 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
- [What is a Donor Advised Fund?](https://25financial.com/donor-advised-fund/) - 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
- [Navigating Market Fluctuations](https://25financial.com/navigating-current-market-fluctuations/) - 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
- [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? 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
- [Physician Contract Negotiations](https://25financial.com/physician-contract-negotation/) - 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
- [Edward Jones vs Competitors: What Investors Need to Know](https://25financial.com/edward-jones-vs-competitors/) - 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
- [Real Estate Investing for Physicians](https://25financial.com/real-estate-investing-for-physicians/) - Real Estate Investing for Physicians Guide to Building Wealth and Securing Your Financial Future Why Physicians Turn to Real Estate Investing 5 Common Real Estate Investing Strategies for Physicians Key Considerations Before You Invest Real Estate Investing for Physicians FAQs For busy physicians, real estate investing has become an increasingly attractive way to build 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/) - Why Financial Planning Matters for Medical Professionals Managing Student Loans and Debt Repayment Building a Strong Investment Strategy Protecting What Matters Most: Insurance and Risk Management Tax Planning and Retirement Strategies Estate Planning for Physicians FAQS For medical professionals, achieving financial success takes more than earning a high income. Between student loan debt, irregular training
- [How to Invest in Oil and Gas](https://25financial.com/how-to-invest-in-oil-and-gas/) - Why Invest in Oil and Gas? Common Oil and Gas Investment Strategies Factors to Consider Before Investing 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
- [Why Gambling in the Market Hurts](https://25financial.com/why-gambling-in-the-market-hurts/) - Global Diversification Matters​ The Dangers of Timing and Picking Stocks What this means for you 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,
- [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 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
- [Due Diligence Framework for Private Equity & Real Estate Syndications](https://25financial.com/due-diligence-framework/) - 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
- [Holistic Coordination: Aligning All Parts of Your Financial Life](https://25financial.com/holistic-coordination/) - 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
- [Fiduciary Duty: Putting Your Interests First](https://25financial.com/fiduciary-duty/) - 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
- [Big Box vs Boutique Shop: What Investors Need to Know](https://25financial.com/big-box-vs-boutique-shop/) - 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
- [401k Contribution Limits and Retirement Planning](https://25financial.com/401k-contribution-limits/) - 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
- [Benefits of Physician Loan Programs Explained](https://25financial.com/benefits-of-physician-loan-programs-explained/) - 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
- [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?​ 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
- [Ameriprise Financial vs 25 Financial: the Fee-Based Advisor Conflict](https://25financial.com/ameriprise-vs-competitors/) - 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
- [25 Financial vs Large, Traditional Broker-Dealers](https://25financial.com/traditional-broker-dealers/) - 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
- [25 Financial vs Major RIA Aggregators](https://25financial.com/major-ria-aggregators/) - 25 Financial vs. Major RIA Aggregators: A Comprehensive Comparison Key TakeawaysAggregators 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
- [25 Financial vs Digital & Hybrid Giants](https://25financial.com/digital-and-hybrid-giants/) - 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
- [Charles Schwab vs 25 Financial: Comparing a Mega-Brokerage to an Independent Fiduciary RIA](https://25financial.com/charles-schwab-vs-competitors/) - 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
- [Clarity and Alignment: Understanding 25 Financial's Fee-Only Advisory Schedule](https://25financial.com/fee-only-advisory-schedule/) - 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
- [Financial Planning basics for our Kids and Community](https://25financial.com/financial-planning-basics-for-our-kids-and-community/) - 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
- [Health and Wellness in the New Year](https://25financial.com/health-and-wellness-in-the-new-year/) - 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
- [Alternatives Access: Institutional-Grade Opportunities With Discipline](https://25financial.com/alternatives-access/) - 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
- [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/) - Written by: Randy Larson, J.D., LL.M.25 Executive Summary:Under the CARES Act, 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
- [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/) - Written by: Randy Larson, J.D., LL.M.25 Executive SummaryMany 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
- [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/) - Written by: Randy Larson, 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
- [Good News: The LLC and Trump's Proposed Tax Plan](https://25financial.com/good-news-the-llc-and-trumps-proposed-tax-plan/) - 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
- [Financial Market Lessons from 2020](https://25financial.com/financial-market-lessons-from-2020/) - 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
- [Financial Planning Basics - Risk Management](https://25financial.com/financial-planning-basics-risk-management/) - 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
- [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/) - Written by: Brad MeyersHSA’s (Health Savings Accounts) 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
- [Oil Futures Prices: Making Sense of Oil's Negative Price](https://25financial.com/oil-futures-prices-making-sense-of-oils-negative-price/) - Written by: Jeff LarsonOil Futures Prices: Making Sense of Oil’s Negative PriceWhat 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
- [What Else Have I Missed?](https://25financial.com/what-else-have-i-missed/) - 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
- [Outrun Investors with Disciplined Investing](https://25financial.com/outrun-investors-with-disciplined-investing/) - Written by: Randy Larson, 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
- [25 Financial and Oasis International](https://25financial.com/25-financial-and-oasis-international/) - Written by: Randy Larson, J.D., LL.M.Let’s Do SomethingHave 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
- [Life to the Fullest](https://25financial.com/life-to-the-fullest/) - 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] 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
- [SVB Market Perspective](https://25financial.com/svb-market-perspective/) - Written by: Randy Larson, J.D., LL.M.The Effects of Recent Banking Events – a 25 Financial PerspectiveWe 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
- [Putting 2022’s Market Losses in Perspective](https://25financial.com/putting-2022s-market-losses-in-perspective/) - 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
- [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/) - Written by: 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
- [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/) - Written by: Brad MeyersThe Federal Housing Finance Agency 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
- [Avoiding Election Year Financial Worry](https://25financial.com/avoiding-election-year-financial-worry/) - 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

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- [Home](https://25financial.com/) - 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.
- [Disclosures](https://25financial.com/disclosures/) - 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
- [SpaceX Landing Page](https://25financial.com/spacex/) - Stephan McKee Click here to schedule a quick conversation To learn more about me Greetings 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.
- [Brian Sanguinet](https://25financial.com/team/brian-sanguinet/) - 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
- [Careers](https://25financial.com/careers/) - Financial Careers 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
- [Blog](https://25financial.com/blog/) - INSIGHTS TO KEEP YOU Top Articles New Releases Insights for Physicians About Alternative Assets Tax Focused Insights Financial Planning Basics 25 Financial Compared WELCOME TO THE25 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
- [Tim Moore](https://25financial.com/team/tim-moore/) - 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
- [Stephan Landing Page](https://25financial.com/sm/) - Stephan McKee Click here to schedule a quick conversation To learn more about me 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
- [Stephan McKee](https://25financial.com/team/stephan-mckee/) - 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,
- [Generocity](https://25financial.com/generosity/) - Generosity “The generous will prosper; those who refresh others will themselves be refreshed.”King Solomon, Proverbs 11:25 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;
- [Physicians](https://25financial.com/who-we-serve/physicians/) - 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.
- [Medical Residents](https://25financial.com/who-we-serve/medical-residents/) - 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
- [High Net Worth Investors](https://25financial.com/who-we-serve/high-net-worth-investors/) - 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
- [Business Owners](https://25financial.com/who-we-serve/business-owners/) - 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
- [Who We Serve](https://25financial.com/who-we-serve/) - Who We Serve Team 25 Helps High-Net-Worth Professionals Plan for the FutureAt 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) provide tailor-made financial planning
- [Tax Planning & Strategy](https://25financial.com/services/tax-planning-advisor/) - Tax Planning Services Advanced Tax-Planning Services for High-Net-Worth Individuals Schedule a Consultation 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
- [Student Loan Debt Management](https://25financial.com/services/student-loans/) - 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 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
- [Retirement Planning](https://25financial.com/services/retirement-planning-advisor/) - Retirement Planning Services Advanced Retirement Planning Services for High-Net-Worth Individuals Schedule a Consultation 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
- [Opportunity Zone Investing](https://25financial.com/services/opportunity-zone-investment/) - Qualified Opportunity Zone Investments Advanced Wealth Management and Advisory Services for High-Net-Worth Professionals Schedule a Consultation 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 that allow our clients to have more confidence, time, and peace of mind knowing
- [Investment Planning](https://25financial.com/services/investment-planning/) - 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
- [Insurance Planning](https://25financial.com/services/insurance-planning/) - 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
- [Debt and Loan Management Strategy](https://25financial.com/services/debt-management/) - 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
- [Disability Insurance and Policy Services](https://25financial.com/services/own-occupation-disability/) - Disability Insurance and Policy Services Advanced Wealth Management and Advisory Services for High-Net-Worth Professionals Schedule a Consultation We help our clients take advantage of every wealth management and investment opportunity—including finding the best own-occupation disability insurance policies. Team 25’s financial services give our clients peace of mind knowing they are covered in the event of
- [Estate & Asset Planning](https://25financial.com/services/estate-planning-advisor/) - Estate Planning Services from Qualified Financial Advisors Advanced Estate Planning, Wealth Management, and Advisory Services for High-Net-Worth Professionals Schedule a Consultation 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
- [Financial Planning](https://25financial.com/services/financial-planning/) - Financial Planning Advanced Wealth Management and Advisory Services for Physicians and Other High-Net-Worth Professionals. Schedule a Consultation 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
- [1031 Exchange](https://25financial.com/services/1031-exchange/) - 1031 Exchange Advisors Achieve More with Comprehensive Real Estate Tax OpportunitiesNavigating 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.
- [Alternative Investment Strategy](https://25financial.com/services/alternative-investment-strategy/) - Alternative Investment Services and Advisors Advanced Wealth Management and Advisory Services for High-Net-Worth Professionals Schedule a Consultation 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 that allow our clients
- [Asset Protection Planning](https://25financial.com/services/financial-asset-protection/) - Financial Planning and Asset Protection Services Advanced Wealth Management and Advisory Services for High-Net-Worth Professionals Schedule a Consultation 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
- [Cost Segregation Accelerated Depreciation](https://25financial.com/services/cost-segregation/) - 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
- [Wealth Management Services](https://25financial.com/services/) - WEALTH MANAGEMENT LEARN HOW WE CAN HELP YOU ENJOY THE EXTRA HOUR IN THE DAY Schedule a Consultation 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
- [Nashville Areas Served](https://25financial.com/nashville-areas-served/) - 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
- [Brad Contact Card](https://25financial.com/bradqr/) - Brad Meyers, CFP® Senior Financial Planner, Partner Call Brad Meyers Text Brad Meyers Email Brad Meyers 25 Financial Website 135 West Adams Avenue St Louis, Missouri 63122
- [Tax Planning](https://25financial.com/physicians/tax-planning/) - Tax Planning for Doctors Advanced Tax-Planning Services for Physicians and Other Medical Professionals Schedule a Consultation 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
- [Retirement Planning for Physicians](https://25financial.com/physicians/retirement-planning/) - 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,
- [Mortgage Loan Planning](https://25financial.com/physicians/mortgage-loan-doctor/) - 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
- [Medical Student Debt](https://25financial.com/physicians/medical-student-debt/) - Medical Student Debt Management Assistance for Borrowers with Medical School Student Loan Debt Schedule a Consultation 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
- [Investing for Doctors and Physicians](https://25financial.com/physicians/investment-planning/) - 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
- [Estate Planning for Physicians](https://25financial.com/physicians/estate-planning/) - 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
- [Employee Benefits Planning](https://25financial.com/physicians/employee-benefits/) - Physician Benefits Assistance for Physicians Looking for Personal or Employee Benefits Packages Schedule a Consultation 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
- [Asset Protection for Physicians](https://25financial.com/physicians/asset-protection/) - 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
- [Jeff Larson](https://25financial.com/team/jeff-larson/) - 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
- [Sarah Wilson](https://25financial.com/team/sarah-wilson/) - 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
- [Randy Larson](https://25financial.com/team/randy-larson/) - 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
- [Brad Meyers](https://25financial.com/team/brad-meyers/) - 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®
- [Pavin White](https://25financial.com/team/pavin-white/) - 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
- [Nathan Brooks](https://25financial.com/team/nathan-brooks/) - 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
- [Lulu Geary](https://25financial.com/team/lulu-geary/) - 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,
- [Lauren Ayres](https://25financial.com/team/lauren-ayres/) - 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
- [Keyonna Williams](https://25financial.com/team/keyonna-williams/) - 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
- [Kaitlyn Helmich](https://25financial.com/team/kaitlyn-helmich/) - 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
- [Jon Lester](https://25financial.com/team/jon-lester/) - 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
- [Jenny Lape](https://25financial.com/team/jenny-lape/) - 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
- [Jacob Schulenburg](https://25financial.com/team/jacob-schulenburg/) - Jacob Schulenburg Trading Operations Associate
- [Caleb Partney](https://25financial.com/team/caleb-partney/) - 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
- [Cole Tourrette](https://25financial.com/team/cole-tourrette/) - 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.
- [Our Team at 25 Financial](https://25financial.com/team/) - 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
- [Financial Planning for Physicians](https://25financial.com/financial-planning-for-physicians/) - Financial Planning for PhysiciansFinancial 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.
- [Contact Us to Schedule a Consultation](https://25financial.com/contact/) - 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
- [St Louis](https://25financial.com/areas-served/st-louis-financial-advisor/) - 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
- [Phoenix](https://25financial.com/areas-served/phoenix/) - 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
- [Orlando](https://25financial.com/areas-served/orlando-2/) - 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
- [Nashville](https://25financial.com/areas-served/nashville/) - 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,
- [North Carolina](https://25financial.com/areas-served/north-carolina-financial-advisor/) - 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
- [West Virginia](https://25financial.com/areas-served/west-virginia-financial-advisor/) - 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,
- [Montana](https://25financial.com/areas-served/montana-financial-advisor/) - 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
- [Georgia](https://25financial.com/areas-served/georgia-financial-advisor/) - 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
- [Wyoming](https://25financial.com/areas-served/wyoming-financial-advisor/) - 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
- [Wisconsin](https://25financial.com/areas-served/wisconsin-financial-advisor/) - 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
- [Washington](https://25financial.com/areas-served/washington-financial-advisor/) - 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
- [Virginia](https://25financial.com/areas-served/virginia-financial-advisor/) - 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
- [Vermont](https://25financial.com/areas-served/vermont-financial-advisor/) - 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
- [Utah](https://25financial.com/areas-served/utah-financial-advisor/) - 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,
- [Texas](https://25financial.com/areas-served/texas-financial-advisor/) - 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
- [Tennessee](https://25financial.com/areas-served/tennessee-financial-advisor/) - 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
- [South Dakota](https://25financial.com/areas-served/south-dakota-financial-advisor/) - 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
- [South Carolina](https://25financial.com/areas-served/south-carolina-financial-advisor/) - 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
- [Rhode Island](https://25financial.com/areas-served/rhode-island-financial-advisor/) - 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
- [Pennsylvania](https://25financial.com/areas-served/pennsylvania-financial-advisor/) - 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
- [Oregon](https://25financial.com/areas-served/oregon-financial-advisor/) - 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
- [Oklahoma](https://25financial.com/areas-served/oklahoma-financial-advisor/) - 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,
- [Ohio](https://25financial.com/areas-served/ohio-financial-advisor/) - 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
- [North Dakota](https://25financial.com/areas-served/north-dakota-financial-advisor/) - 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
- [New York](https://25financial.com/areas-served/new-york-financial-advisor/) - 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,
- [New Mexico](https://25financial.com/areas-served/new-mexico-financial-advisor/) - 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
- [New Jersey](https://25financial.com/areas-served/new-jersey-financial-advisor/) - 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,
- [New Hampshire](https://25financial.com/areas-served/new-hampshire-financial-advisor/) - 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
- [Nevada](https://25financial.com/areas-served/nevada-financial-advisor/) - 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
- [Nebraska](https://25financial.com/areas-served/nebraska-financial-advisor/) - 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
- [Missouri](https://25financial.com/areas-served/missouri-financial-advisor/) - 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
- [Mississippi](https://25financial.com/areas-served/mississippi-financial-advisor/) - 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
- [Minnesota](https://25financial.com/areas-served/minnesota-financial-advisor/) - 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.
- [Michigan](https://25financial.com/areas-served/michigan-financial-advisor/) - 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
- [Massachusetts](https://25financial.com/areas-served/massachusetts-financial-advisor/) - 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
- [Maryland](https://25financial.com/areas-served/maryland-financial-advisor/) - 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,
- [Maine](https://25financial.com/areas-served/maine-financial-advisor/) - 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,
- [Louisiana](https://25financial.com/areas-served/louisiana-financial-advisor/) - 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,
- [Kentucky](https://25financial.com/areas-served/kentucky-financial-advisor/) - 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
- [Kansas](https://25financial.com/areas-served/kansas-financial-advisor/) - 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,
- [Iowa](https://25financial.com/areas-served/iowa-financial-advisor/) - 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
- [Indiana](https://25financial.com/areas-served/indiana-financial-advisor/) - 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
- [Illinois](https://25financial.com/areas-served/illinois-financial-advisor/) - 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
- [Idaho](https://25financial.com/areas-served/idaho-financial-advisor/) - 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
- [Hawaii](https://25financial.com/areas-served/hawaii-financial-advisor/) - 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
- [Florida](https://25financial.com/areas-served/florida-financial-advisor/) - 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
- [Delaware](https://25financial.com/areas-served/delaware-financial-advisor/) - 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
- [Connecticut](https://25financial.com/areas-served/connecticut-financial-advisor/) - 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
- [Colorado](https://25financial.com/areas-served/colorado-financial-advisor/) - 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
- [California](https://25financial.com/areas-served/california-financial-advisor/) - 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
- [Arkansas](https://25financial.com/areas-served/arkansas-financial-advisor/) - 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
- [Arizona](https://25financial.com/areas-served/arizona-financial-advisor/) - 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
- [Alaska](https://25financial.com/areas-served/alaska-financial-advisor/) - 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,
- [Alabama](https://25financial.com/areas-served/alabama-financial-advisor/) - 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
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- [Iowa Areas Served](https://25financial.com/iowa-areas-served/) - 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
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- [wealth management company rankings](https://25financial.com/tag/wealth-management-company-rankings/)
- [best investment firms for high net worth](https://25financial.com/tag/best-investment-firms-for-high-net-worth/)
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- [Maxed out your 401k? Discover strategies to diversify investments](https://25financial.com/tag/maxed-out-your-401k-discover-strategies-to-diversify-investments/)
- [reduce tax liabilities](https://25financial.com/tag/reduce-tax-liabilities/)
- [Break free from golden handcuffs on your hospital salary. Discover strategies for financial independence](https://25financial.com/tag/break-free-from-golden-handcuffs-on-your-hospital-salary-discover-strategies-for-financial-independence/)
- [diversifying income](https://25financial.com/tag/diversifying-income/)
- [Discover why Fidelity Investments stands out among competitors like Vanguard and Charles Schwab. Compare features](https://25financial.com/tag/discover-why-fidelity-investments-stands-out-among-competitors-like-vanguard-and-charles-schwab-compare-features/)
- [fees](https://25financial.com/tag/fees/)
- [and ease of use to choose the best investment platform for your needs.](https://25financial.com/tag/and-ease-of-use-to-choose-the-best-investment-platform-for-your-needs/)
- [Discover how Morgan Stanley Private Wealth Management outshines competitors with personalized solutions for high-income professionals. Explore their unique offerings in wealth management services.](https://25financial.com/tag/discover-how-morgan-stanley-private-wealth-management-outshines-competitors-with-personalized-solutions-for-high-income-professionals-explore-their-unique-offerings-in-wealth-management-services/)
- [Discover how Stifel stands out against competitors like Morgan Stanley and Raymond James](https://25financial.com/tag/discover-how-stifel-stands-out-against-competitors-like-morgan-stanley-and-raymond-james/)
- [offering personalized boutique attention and strong client satisfaction.](https://25financial.com/tag/offering-personalized-boutique-attention-and-strong-client-satisfaction/)
- [Discover how Merrill compares to competitors like Schwab and Fidelity. Explore Merrill's strengths in banking rewards and investment strategies against diverse industry offerings.](https://25financial.com/tag/discover-how-merrill-compares-to-competitors-like-schwab-and-fidelity-explore-merrills-strengths-in-banking-rewards-and-investment-strategies-against-diverse-industry-offerings/)
- [Discover why 25 Financial is the superior alternative to UBS Wealth Management. Experience bespoke services](https://25financial.com/tag/discover-why-25-financial-is-the-superior-alternative-to-ubs-wealth-management-experience-bespoke-services/)
- [transparency](https://25financial.com/tag/transparency/)
- [and personalized strategies for your unique wealth needs.](https://25financial.com/tag/and-personalized-strategies-for-your-unique-wealth-needs/)
- [Discover why 25 Financial is a superior choice over Wells Fargo Advisors](https://25financial.com/tag/discover-why-25-financial-is-a-superior-choice-over-wells-fargo-advisors/)
- [offering personalized service and exclusive investment opportunities for high-income professionals.](https://25financial.com/tag/offering-personalized-service-and-exclusive-investment-opportunities-for-high-income-professionals/)
- [Compare Raymond James Advisors vs competitors and discover why 25 Financial offers a superior](https://25financial.com/tag/compare-raymond-james-advisors-vs-competitors-and-discover-why-25-financial-offers-a-superior/)
- [transparent](https://25financial.com/tag/transparent/)
- [and personalized wealth management alternative.](https://25financial.com/tag/and-personalized-wealth-management-alternative/)
- [Compare LPL Financial Advisors against competitors to find the best fit for your financial needs. Discover the benefits of independence](https://25financial.com/tag/compare-lpl-financial-advisors-against-competitors-to-find-the-best-fit-for-your-financial-needs-discover-the-benefits-of-independence/)
- [and personalized service.](https://25financial.com/tag/and-personalized-service/)
- [Discover why 25 Financial is the superior choice compared to Goldman Sachs Advisors and competitors. Experience personalized wealth management and fiduciary dedication.](https://25financial.com/tag/discover-why-25-financial-is-the-superior-choice-compared-to-goldman-sachs-advisors-and-competitors-experience-personalized-wealth-management-and-fiduciary-dedication/)

## Testimonials Categories

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