For Physicians : Pinnacle Strategies, Inc.

For Physicians

Physician Services


As a physician, you are well aware that people are living longer, more active lives. It makes sense to start as early as possible to plan, save, and invest for retirement. However, while most people start working in their early 20s and start saving in a 401(k) or Roth IRA in their 30s, you as a doctor may have missed out on 10 years of retirement savings, and you'll need to catch up. Even if you are still struggling to pay off your medical school loans or are wondering where the money will come from to send your own children to college, retirement planning is important. Let us help you find the ideal retirement plan so you can maintain your existing lifestyle and still have a solid nest egg for when you retire.


A well balanced financial plan considers income taxes now, taxes on investments as they grow and how taxes will affect the withdrawal of the asset. We can help you build a comprehensive financial plan that takes into account what your income taxes are now, what they will be on investments down the line, and how and at what point you will be able to withdraw those funds when you need them. Don’t shell out unnecessary taxes to the IRS when you can save that money for your kids when they need it, donate the funds to a charity of your choice or a large purchase.


Long-term wealth management starts with early management of medical school loans. We can assist you with the insight and analysis necessary to ensure wise decisions are made regarding the repayment of your loans. Our goal is to deliver best practices for managing debt in order to help fast-track improving your overall financial net worth.


Success requires not only the successful accumulation of assets, but also the protection of assets accumulated over a career. Physicians can no longer depend entirely on medical malpractice insurance to cover them personally and must start self protecting themselves and their families. We can help you protect your wealth, savings, real estate and investments, along with future income.


Aside from retirement, saving for a child’s college education is one of the biggest expenses a physician encounters. The skyrocketing cost of education makes it increasingly important to start planning for your children's education early, and to determine the best vehicles for your investment. And with college savings vehicles multiplying all the time, and changing tax laws, the landscape of college education funding can be perplexing. This is why planning now will give you the utmost in flexibility down the road.


We can’t predict the future, but we can be prepared for it. The right insurance policies can help protect you and your family against the many risks that physicians face. We work with you to help determine the insurance coverage you need – in the right amounts, for the right price. We can provide you with the professional liability insurance that will guard against errors and omissions in addition to other insurance options you may want to consider that can have negative consequences to your reputation and practice. Rest easy knowing you're covered, while maintaining superior quality of service to your patients. We deal with these common types of insurance plans:
  • Long-Term Care
  • Life Insurance
  • Disability Insurance
  • Business Overhead Insurance


Charitable giving can fulfill your legacy of helping people and organizations that are important to you. Properly designed philanthropy plans can also provide significant tax saving opportunities. Your personal and financial goals will determine the extent of any charitable giving plan and the tax benefits your plan can produce. We help clients make charitable gifts in the most tax-efficient manner.


You owe it to your practice to invest just as much work and care in retaining quality staff members, as you do hiring new ones. One way to do that is to offer a competitive compensation and benefits package. Many practices can't offer significant raises or bonuses, but what you can do is find out what is meaningful to your staff in terms of health insurance, time off and more, and then make it happen. We can help you coordinate your benefits to best meet the needs of everyone involved. This leads to a longer life span of your staff, with employees who stay with you for many years. Look to us to provide you with important insurance benefits:

  • Group and Individual Health Plans
  • Dental
  • Vision
  • 401(k)
  • Employer Paid Benefits and Voluntary Benefits
  • Short- and Long-Term Disability
  • Life insurance
  • Long-Term Care



Subscribe to our Newsletter