The Physician's Specialist

Synergy Capital Family Offices specializes in Physician's needs.

 It is through this network that we are able to coordinate the particular needs of physicians to help them build and implement a balanced financial plan. 

 Our Services 

Retirement & Education Funding

Due to the extensive educational requirements of physicians, you have a shorter time span to achieve financial independence. As a result, tax-advantaged strategies should be considered, as normal retirement accounts alone may not be enough to get you to your ideal retirement. 

* Leveraging Asset Location Strategies for Your Retirement 

* Roth Conversions Offer Tax Friendly Benefits

* Choosing the Best investment Plan for Your Child’s College Fund 

Investment Analysis & Strategy 

Our advisors work with you to make sure your various investment accounts are coordinated. Thereby seeking to reduce risks, expenses, and unnecessary taxes through an academic, disciplined investment approach. 

* Durable Investment Strategies

* Building a Long-Term Investment Strategy

* Living with Volatile Markets 

Tax Planning 

Reducing tax liability is an integral part of your overall financial strategy. We will coordinate our services with your chosen tax professional to implement your financial plan in a tax-advantaged manner.  

*Understanding Tax-Loss Harvesting Strategies

* Tax Strategies for Doctors

* Understanding the Alternative Minimum Tax (AMT) 

Risk Management 

Strategy Insurance can be an important tool to help maintain financial stability through life’s challenges. Our experience in advising physicians often times allows the ability to obtain preferential rates for our clients.  

*Protect Your Assets and Retirement with an Umbrella Policy 

*Doctor Disability Insurance 

Cash Flow Analysis

 “It takes money to make money.” How one spends their income and where that income originates are drivers of financial success. We help our physician and dentist clients create and coordinate spending, saving and giving plans to meet their needs and desires.

*Refinancing Medical School Loans Can Save Money in the Long Run 

*Tips and Strategies for an Ailing Credit Score 

*Developing Sound Wealth Management Habits 

Benefits Planning 

Our advisors can help doctors tailor an employee benefits package to aid in the recruitment, retention, protection and recognition of those who help you drive your practice each and every day. 

 In-Depth Practice Analysis & Planning 

The decision to open your own practice is not just a business opportunity – it’s a personal lifestyle choice. Managing your practice requires a set of skills typically not taught in medical school. Through relationships with professionals experienced in starting and managing medical practices we will help you get the tools and advice necessary to run a successful practice.  

*The Myth of the Rich Doctor 

Business Retirement Planning 

Company sponsored retirement plans are a necessity to recruit and retain talented employees. Due to regulations and heavy oversight from the Department of Labor and IRS, often times these can be complicating to administer. Our team is well-versed in the rules, regulations and important business aspects of company retirement plans. Furthermore, we assist in helping clients coordinate company provided savings plans with their other personal savings strategies to maximize their portfolio’s tax efficiency. 

* Integrating Value-Based Payments in Healthcare 

Legacy, Wealth Transfer and Multigenerational Planning

Financial windfalls can be a blessing. They can also be a curse for those who are not prepared. Tax efficient and values based Legacy and Multigenerational planning is very complicated and highly scrutinized. Our advisors and Wealth Transfer Planning partners want to ensure that your values are represented in your Legacy and Wealth Transfer plans and help you ensure that future generations are stewards of the resources you choose to pass along.  

*An Overview of Asset Transfer Strategies 

*Understanding the Different Ways to Title Property

 Real Estate Planning 

Buying and selling a home or investment property is a major financial decision. The purchase or sale impacts the resources that are available for lifestyle expenses, retirement savings, college savings, career transition decisions and charitable giving. We can help you understand the financial impacts associated with a decision of this magnitude so that you can feel comfortable you are doing the “right thing” for your set of circumstances. 

Alternative Investment Analysis 

As a physician, your high net worth affords you the opportunity to consider investment options that are not available to the general public. Every situation is unique, so it’s always a good idea to have the asset distribution of your investments reviewed by a qualified financial professional with knowledge of your individual circumstances. 

*Leveraging Private Investments in the Healthcare Industry

 Related Services 

Tax Planning Are you keeping track of all your business expenses related to your 1099 income? Is your current accountant correctly reporting your Roth Conversion on your tax return. Through relationships with CPAs we will work will you to ensure your personal and professional tax needs are addressed.  

*Tax Season: 8 Questions to Ask Your CPA 

*Physician Tax Returns Could Present Challenges 

Employment Contract Consulting 

Our advisors have experience in consulting on the financial aspects of employment contracts for physicians. We help many of our clients secure better contracts by preparing them with the right questions to ask.  

*Evaluating a Medical Employment Contract

 Asset Protection Implementing asset protection strategies may be advisable or necessary to protect your income, accounts, property, and other assets. Alongside your chosen legal counsel, we will work with you to implement your financial plan in a way that limits your liability and protects your interests. 

* Maximizing Protection of Assets from Lawsuits

 Estate Planning 

Estate planning is not just about creating wealth, but should include careful planning to transfer the right assets in the right hands at the right time. This is most effective when done in tandem with the rest of your financial plan. We will coordinate our services with your chosen legal counsel to implement your financial plan in conjunction with your estate planning goals.  

*Formulating an Estate Plan with Minimal Taxes and Fees

* 4 Key Steps to Planning Your Digital Estate

 Group Benefits

 Many businesses and practices are not gaining the employee loyalty that benefits are meant to strengthen. Coordination of benefits with the larger goals of your practice can often lead to longer employee tenure.  

*Coordinating Group Benefits with Your Overall Financial 

Plan Mortgage Planning 

Assistance from your financial advisor and a quality mortgage professional can help align your mortgage with your overall financial objectives. 

* Think Twice About Borrowing the Maximum for a Home

* Applying the Time Value of Money Principle

 Real Estate 

Whether it’s for personal or professional use, physicians often find themselves maneuvering the complex world of real estate. We can help connect you to licensed real estate professionals to assist with negotiating leases, bidding out contractors for planned projects, and purchasing or selling property.  

*Real Estate Investments Could Potentially Lead to Steady Income

 Malpractice Insurance

 Medical Malpractice Insurance exists to protect your assets and reputation against the claims that may arise from your medical practice.  

*Protecting Assets and Reputation in the Midst of a Malpractice Claim Medical Malpractice Insurance