Cash flow & budgeting
Turning income into a plan: what to spend, what to save, and in what order.
A financial compass for life
Financial planning built around a physician’s life.
You chose a demanding, meaningful path, and your finances are anything but simple. We are the steady guide who looks after all of it: cash flow, taxes, debt, insurance, investments, and everything in between.
Why physicians & dentists
A decade behind, then ahead of the curve.
By the time physicians and dentists finish training, they are years behind peers in other fields on earnings and saving, and often carrying six figures of student debt. The income arrives quickly, the decisions pile up, and there is rarely time to make them well.
That gap is exactly where good planning can pay off. A cohesive plan, started early, can help catch you up and put you ahead, so you can focus on your career and your family while someone keeps the whole picture in view.
What it’s like to work together
Comprehensive, not just investments
Investing is one pillar among many. The plan covers your whole financial life, from a resident’s budget to an attending’s estate.
Proactive by design
You hear from us before the big decisions, not after. We aim to be in the room for the moments that matter, with a plan already in hand.
Fluent in medicine’s timeline
Residency to fellowship to first contract to practice. We know the milestones and the money decisions that ride along with each one.
Transparent fees
One clear planning fee, plus a published rate on assets we manage, so you always know what you pay. Any commission, such as on an insurance policy, is disclosed up front.
How we help
Every part of your financial life, in one place.
Some clients come to us with one pressing question and soon find they have many more. Here is the work, woven together rather than sold piece by piece.
Tax planning & projections
Detailed, year-round tax strategy and projections.
Risk & insurance
Disability, life, property & casualty, group benefits, and long-term care, sized to your real exposure.
Student loans & debt
Repayment strategy, PSLF, and refinancing, plus physician mortgage guidance when you’re ready to buy.
Investments
Low-cost, tax-efficient portfolios with disciplined rebalancing and tax-loss harvesting.
Retirement planning
A long-term plan for financial independence that seeks to grow with your career.
Education planning
Funding your children’s education with a savings plan built to your goals.
Estate planning
A clear education on what you need, help finding an attorney, and getting documents in place.
Included in your life, beyond the portfolio.
Our goal is to be the planner you turn to before a decision, not after, the one who knows your family, your goals, and what it takes to get there.
A personal practice, experienced backing
A national network behind a personal relationship.
You work directly with your planner, not a call center. Behind that relationship, Raven Point’s partnership with Commonwealth Financial Network® supplies the technology, scale, and specialist teams, in advanced planning, investment research, and retirement, that support the work. The result is a personal practice with the resources of a national firm.
Referred by someone you trust?
Start with a relaxed, no-pressure conversation. We’ll learn about your goals, share how Raven Point works, and figure out together whether it’s a good fit.