You work hard. Your money should, too.
Meet the first-of-its-kind wealth manager created for doctors. Start optimizing your wealth potential with someone who gets you. You’ve earned it.
Ongoing Wealth Management
We pair you with a dedicated Earned Advisor who is an expert in wealth creation for doctors. Your advisor will apply our Doctor Wealth Playbook to rapidly identify ways to increase your wealth potential and help you achieve your goals.
3-Month Wealth Diagnostic
Partner with your Advisor to assess your financial health across investing, tax planning, insurance, income and debt management, and trust and estate. Our three month engagement will culminate in a financial plan that we'll deliver and you'll execute on.
Personalized to meet your needs
Our Doctor Wealth Playbook is a proprietary process that we use to identify, prioritize, and action wealth creation opportunities for our doctor clients. Over your first 12 months with Earned, we'll do the heavy lifting to unearth opportunities to maximize your wealth potential and help achieve your goals.
Start with a comprehensive, personalized roadmap
Your dedicated Earned Advisor will develop a custom plan that becomes a roadmap from where you are today to where you want to be. Trust that you are getting the best advice – your dedicated Advisor is a fiduciary (they are not paid on commission for anything recommended to you), Certified Financial Planner™ professional, and has the power of modern tax-smart technology behind them.
Map your sources of income and identify your career and personal goals.
Calculate your current net worth, inclusive of student loans, practice ownership, and real estate
Identify key value generation areas
Access innovative investment strategies designed for doctors
Earned’s investment philosophy focuses first on your financial goals as a doctor, then creates personalized strategies factoring in your preferences, financial and tax circumstances, income, personal balance sheet, goals and aspirations.
Tax-smart investment strategies powered by advanced technology
Direct indexing and ESG capabilities for personalized portfolio solutions
Private equity, private credit, and private real estate for accredited investors and qualified purchasers
Get expert tax-smart strategies to help you keep what you've earned
By taking a holistic view of tax planning in conjunction with investment strategies, Earned can identify ways you may not have considered to help lower your tax bill, generating tax savings that further fund your financial goals.
Minimize your tax burden with smart deductions
Get tax-smart investing strategies tailored to you
Receive expert advice year-round
Maximize your earning potential and career decisions
Earned will arm you with the data and tools you need to navigate your most important career decisions. From evaluating multiple job offers, to considering taking on a side gig, to the preparation needed to buy into or sell a practice - once you decide, we’ll work with you to optimize your financial life around that decision.
Understand the tradeoffs of being an employee versus a practice owner
Understand the benefits and drawbacks of taking on 1099 income such as locums tenens or telehealth
Assess the financial implications of a career change, including selling your practice
Manage risk with the right coverage at the right cost
Constructing an optimal insurance strategy - that balances employer coverage with premium costs and your overall risk - is essential to financial security and your peace of mind. We’ve got you covered.
Determine if you are adequately managing your financial risks with an Earned insurance review
Protect your income with the right life and disability insurance for doctors
Protect your assets with quality, cost-effective property and casualty insurance
Using debt to your advantage
At Earned, we develop personalized debt management strategies to help you avoid the pitfalls of debt and capitalize on its smart uses to help realize the financial outcomes you deserve.
Get personalized advice on optimizing your debt management strategy
Learn about debt forgiveness programs for doctors
Determine how to prioritize debt repayment while funding other financial goals
Feel prepared for every part of your future
At Earned, we understand the importance of connecting your financial goals and decisions to your trust and estate plan - making sure your assets are distributed according to your wishes. We’ll review and visualize your current estate plan, making it easy to understand, and ensuring it’s connected to your financial goals and most up-to-date view of your assets.
Receive a detailed, personalized picture of your estate plan
See the impact of your estate plan in a clear, easy-to-understand format
Determine if changes are needed to your estate plan to match your wishes
From residency to retirement, we’ll help you navigate
Debt Management
Is it a smart financial decision to pay down my medical school loans if I want to buy into the partnership?
Residency
Retirement
Backed by modern, tax-smart technology
Game-changing tech. Unlimited potential.
Our Intelligent Advice Engine™ allows our advisors to deliver robust, precisely-tailored financial advice while they work to systematically optimize outcomes. In our client portal, you will have transparency on what Earned is working on your behalf, and be able to seamlessly reach your dedicated advisor on your schedule.
Oversee your wealth in one place.
Through the Earned Wealth App, you will be able to manage your net worth all in one spot, manage your budget, track subscriptions and more!
"Doctors are the heroes of our society and they deserve better in their financial life... their money ought to be working really hard. It's never too late to make the changes necessary to optimize your financial life.”
John Clendening
CEO, Earned
Real clients, real praise.
“[Earned is] a feeling that I hope my patients feel with me. To be able to turn to me and say, who do I turn to? Who do I ask? So just to have that is invaluable. I basically feel they’re empowering us to just take control again. With Earned I feel supported, secure and on the path to financial health.”
Dr. Marcia Lu, Family Physician
“I brought it up with Earned that I’d be taking on a new role, and what’s that going to do to our financial plan? Earned was able to adjust the financial plan for us and say, this is how things are going to be changing with this new role and this is how we can make sure you succeed and make sure this is the right decision for you.”
Dr. Travis Walker, Family Physician
“I personally feel that I’m a master craftsman at what I do, and if I can find a financial advisor who has that same level of expertise, it’s synergistic. With Earned, I feel confident that I’m making the right financial decisions.”
Dr. Hardeep Dhindsa, Ophthalmologist
Testimonials provided by current clients. Clients are not compensated for providing testimonials.
© 2024 Noho Financial Inc
30 Cooper Square, 10th Floor, New York, NY 10003
Investment advisory services offered through Earned Wealth, an SEC-registered investment adviser.