MEDICAL PROFESSIONALS
Caring for others is your focus - your financial plan should return the favor. With high income, complex compensation structures, and demanding schedules, medical professionals face unique challenges. A comprehensive strategy can transform your earnings into enduring wealth and lasting security.
Turning High Income Into Lasting Wealth
Strong income creates opportunity - but without a plan, it can slip away.
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Build a sustainable, long-term investment strategy
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Avoid lifestyle inflation with intentional saving and spending
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Maximize retirement contributions and tax-advantaged options
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Transform current income into multigenerational wealth
Optimizing Tax Efficiency
High income brings a high tax bill - smart planning reduces the burden.
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Structure compensation efficiently for W-2, 1099, or practice owners
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Utilize Roth strategies, tax deferral, and loss harvesting
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Leverage charitable giving tools like Donor Advised Funds or Qualified Charitable Distributions
Practice Ownership & Transitions
Owning or joining a practice introduces complexity - and opportunity.
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Plan for buy-ins, buy-outs, or practice equity transitions
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Coordinate valuations and succession strategies
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Integrate practice value with personal financial goals
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Design tax-efficient exit strategies or phased retirement
Family, Children & Legacy Planning
Long-term success includes caring for loved ones and causes.
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Coordinate planning with spouses or dual-career households
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Fund education with 529s, UTMA/UGMA accounts, or trusts
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Develop estate plans with powers of attorney and health directives
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Align giving with values through philanthropy or legacy strategies
Managing Student Debt & Cash Flow
Student loans and irregular income don’t have to delay progress.
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Develop repayment strategies aligned with career stage
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Evaluate refinancing vs. forgiveness opportunities (PSLF, IDR plans)
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Create a cash flow plan tailored to bonuses, shifts, or irregular income
Protecting Career & Assets
A medical license is a financial asset - protecting it is essential.
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Secure specialty-specific disability coverage
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Evaluate malpractice, umbrella, and liability insurance
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Use legal structures to shield personal and professional assets
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Design continuity plans for family or business stability
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Fund buy-sell agreements in group practices to protect ownership and ensure smooth transitions
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Structure key person insurance to preserve practice value in case of a critical loss
Retirement & Life After Medicine
Retirement may arrive sooner than expected - be ready for it.
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Establish defined benefit or defined contribution plans with profit sharing
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Plan for early retirement, sabbaticals, or part-time shifts
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Build passive income to support lifestyle and goals
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Use long-term modeling to track readiness and reduce risk
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Wichita, KS
Serving Families Across the USA
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Jason Craine is an investment adviser representative with Savvy Advisors, Inc. (“Savvy Advisors”). Savvy Advisors is an SEC registered investment advisor. Cedar+Sevens, LLC is a licensed insurance agency. Cedar+Sevens, LLC, Cedar+Sevens Private Wealth, Cedar+Sevens Private Assurance, Cedar+Sevens Family Transitions, and Cedar+Sevens Legacy Suite are business names used for marketing purposes only and are not separately registered as investment advisor firms. All advisory services are offered through Savvy Advisors. Cedar+Sevens Private Assurance is a business name used for marketing insurance products through Highland Capital Brokerage. Highland Capital Brokerage is not related to or affiliated with Savvy Advisors. Savvy Advisors is not an insurance brokerage. Cedar+Sevens Legacy Suite provides access to wealth.com, a digital estate planning platform which guides clients to draft their own estate planning documents. Cedar+Sevens Legacy Suite does not provide legal advice. Wealth.com and Savvy Advisors are not related or affiliated, nor does Savvy Advisors offer legal advice. Cedar+Sevens Family Transitions is a business name used for offering collaborative divorce arrangements. This activity is also outside of Savvy Advisors. To learn more about Jason Craine's outside business activities and conflicts of interest, you may request a copy of his ADV Part 2B by contacting Savvy: lisandra.wilmott@savvywealth.com.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.