Teams
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Our approach to financial advisory services for families of significant wealth is customized and proactive. To support your family’s individual needs and goals, we emphasize listening and asking questions, building deep relationships, providing knowledge to…
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Wesley Sebacher, CFP® Charitable giving and philanthropy provide physicians with an opportunity to make a significant impact on their communities and the world at large. As medical professionals, you possess unique skills and resources that…
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Wesley Sebacher, CFP® Disability insurance is a critical component of financial planning for physicians. Physicians invest years of their lives and significant financial resources in their career, and their ability to earn an income is…
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Wesley Sebacher, CFP® Life insurance is an essential financial tool for physicians, as it provides a safety net for families in the event of untimely death. Physicians often have unique financial needs and earning potential,…
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Wesley Sebacher, CFP® Debt management is a crucial aspect of financial wellness for physicians. You have invested a significant amount of time and money in your education and training, accompanied by the high costs associated…
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Wesley Sebacher, CFP® As a physician, you have invested a significant amount of time and resources into your career. For most physicians, this investment into oneself is accompanied by a considerable amount of student loans.…
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Wesley Sebacher, CFP® Student loan forgiveness for physicians is a critical topic, especially with the high levels of student debt that medical school graduates often carry. Fortunately, there are various forgiveness and repayment program options…
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Wesley Sebacher, CFP® Many individuals and families are enrolled in a High-Deductible Health Plan (HDHP). These plans offer a unique feature called a Health Savings Account (HSA), which allows a person to set aside money…
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Wesley Sebacher, CFP® Completing residency is a significant milestone for physicians. After years of hard work and dedication, you’re finally ready to embark on your medical career. However, as you transition from a resident to…
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Michael Torney, CFP, J.D., LL.M. Medical doctors, especially those starting out, can face unique financial challenges. They’ve often spent years studying for exams and working long hours in residency while watching their former college classmates and…
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Michael Torney, CFP, J.D., LL.M. Medical doctors working in a private practice may one day get the opportunity to become an owner of the business. When this offer is made, a physician needs answers to several…
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Michael Torney, CFP, J.D., LL.M. Physicians encounter a variety of financial planning opportunities inherently unique to their profession. One of those is the large increase in income that occurs after residency. Physicians typically go from making…
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Michael Torney, CFP, J.D., LL.M. Stock appreciation rights (SARs) are a type of equity compensation award. They give an executive the right to compensation based on the difference between the company’s stock price on a certain…
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Michael Torney, CFP, J.D., LL.M. Executives who have worked for one company during much of their career can accumulate a significant amount of company stock in their 401(k)-retirement plan. Executives in this situation who are near…
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Wesley Sebacher, CFP® Equity compensation comes in many forms, whether it is restricted stock grants, incentive stock options, stock appreciation rights, etc. Incorporated in the compensation are specific terms as to how each form of equity…
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Wesley Sebacher, CFP® For many professionals, compensation becomes increasingly more sophisticated. And without the proper planning, it’s easy for anyone to misunderstand the tax implications and what actions to take with their equity compensation. It is…
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Michael Torney, CFP, J.D., LL.M. Key executives at privately-owned or public companies may receive shares of stock in their employer. Sometimes the shares of stock are synthetic stock, otherwise known as “phantom stock”. This kind of…
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Do You Have Incentive Stock Options? Incentive Stock Options (ISOs) are the right to buy shares of company stock at a fixed price; this price must not be lower than the actual fair market value…
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Contract Negotiations as a Physician As a physician just starting your practice or switching jobs, you have a lot of financial considerations to consider… Disability Insurance– A Guide for Physicians As physicians finish residency and…
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For Business Owners Looking to Sell, Does an ESOP Make Sense? Business owners considering selling their companies usually have a few options – such as selling to a local competitor, family member(s), a large chain,…
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Michael Torney, CFP, J.D., LL.M. Paying taxes when receiving stock grants instead of waiting for shares to vest could help you save thousands of dollars. Corporate executives often receive restricted stock or stock options as part of their total pay. But it’s possible to…
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Michael Torney, CFP, J.D., LL.M. Most owners work constantly to build their businesses. They are always seeking to find new customers, increase revenues and maximize profits. Yet, many don’t know how much their business is worth.…
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Michael Torney, CFP, J.D., LL.M. Most entrepreneurs have a single focus – working to make their business successful until it is generating steady profits. To achieve that goal, they often invest 100 percent of their annual…