🩺 For Physicians, Financial Complexity Starts Early — And Only Grows From There

Physicians face a unique financial trajectory. High income arrives later in life, often accompanied by student loans, long hours, liability exposure, and the challenge of balancing career, family, and financial growth.

Yet many doctors are offered generic financial advice that doesn’t account for their reality — especially those in private practice.

At Financial Planning By Design, we work with physicians to simplify the financial side of life, so they can focus on their purpose. Whether you’re growing a practice, managing income, or transitioning toward retirement, we help align your wealth strategy with the life you’ve worked so hard to build.

💡 Where Physicians Often Lack Support

Your situation isn’t simple — and neither should your financial strategy be. We often see:

• Poorly structured practices or compensation models

• Overexposure to liability without proper asset protection

• Retirement and investment plans not aligned with tax strategy

• Family wealth plans that don’t reflect your full picture

Our Virtual Family Office (VFO) model brings your advisors together — tax, legal, insurance, and financial — to build a clear, proactive path forward.

📥 Download the Physician Blueprint

We created a planning guide for physicians that addresses the unique intersection of income, practice, and family wealth.

Blueprint for Physicians: Virtual Family Office Planning for Practice, Lifestyle, and Legacy

Inside, you’ll learn:

• The key planning blind spots we see with physicians in private practice

• How a coordinated team approach can protect and grow your wealth

• A case example of a dual-physician household who benefited from better alignment

✨ Take Control of the Financial Side of Medicine

We know how hard you work. You deserve a financial strategy that supports your life, protects your time, and aligns with your long-term goals.

Let’s talk about how our Virtual Family Office approach helps physicians in private practice build clarity, flexibility, and freedom.

Penny Di Giovanna, CFP®, CDFA®
Founder & Wealth Manager