Budget spreadsheet and basic first financial steps. Here are some financial planning basics anyone can use to get started. Initial Budgeting Do a budget to determine what your surplus monthly income is. Here is a budget spreadsheet. The data fields tally up, which is nice. Establish positive cash flow month to month by budgeting appropriately. Clear away all credit card debt and personal debts other than a mortgage and student loans subject to a repayment plan. Save 3-6 months living expenses in a checking or high-yield savings account. [...]

Secure life insurance with no medical exam. Get same-day coverage on affordable policies from top-rated carriers in minutes. Physicians Financial Services invites you to apply for life insurance, the easy way. No medical exams or blood tests, just answer a few health questions online. Get same-day coverage on affordable policies from top-rated carriers in minutes. Our technology partners enable us to provide our clients with simple, affordable life insurance as the circumstances and needs arise. How it Works 1. See your options [...]

5 Question Loss Test Find out how much of your earnings and savings are lost to unnecessary taxes. 1. Estimate your monthly after tax lifestyle costs for food, clothing, entertainment, car expense, mortgage payments or rent, educational costs for children, etc. (1): $_________________________________________________________________ This figure does not have to be 100% accurate. Come within material accuracy, plus or minus 20% 2. Multiply monthly lifestyle costs (answer 1, above) times 20 to estimate annual taxable compensation you need to provide for your after tax monthly lifestyle costs [...]

What will happen next? Navigating a perilous economic landscape. Inflation. A hawkish Fed. War in Ukraine. Tensions in Taiwan. Energy cost spikes in Europe. Continued supply chain disruptions. Labor shortages. Sounds like a new verse of Billy Joel's "We Didn't Start the Fire." Unfortunately, this is not history or entertainment, but our modern economic landscape. So what will happen next? No one knows for sure. We could link to as many articles that say we have "hit bottom" and things are turning around, as we could furnish articles saying the momentary [...]

Maximize Your Wealth Accumulation. Our free eBook will help you stop losing money to unnecessary taxes and risk. Find out how doctors and other highly successful individuals use priority allocation of their career earnings to maximize savings. Our free eBook will show you strategies to end losses, mitigate risks, and eliminate unnecessary taxes. In this eBook, you will learn about: ✔ The “Overflowing Buckets” wealth accumulation formula Based on the 50-year Doctors Economic Research Project. ✔ There are more tax-deferred accounts than my 401(k) / IRA / HSA Defined [...]

Download our free eBook. Watch our Webinar. The Overflowing Buckets Guide to End Losses to Unnecessary Taxes and Risk. Download our free E-book A study of the economics of productive individuals’ lives focused on one question: what do you need to KNOW to succeed financially? A planning program was developed and a high percentage of those who implemented the planning recommendations ultimately achieved financial independence. DOWNLOAD E-BOOK> Take the Loss Test The Economic "Loss Test" is a diagnostic tool to assess your current financial structure, identifying opportunities. TAKE THE TEST> [...]

You are losing money to unnecessary taxes and risk. We are sure we can help you. Your current structure is causing you to lose hundreds of thousands of dollars to unnecessary taxes and unnecessary risk. We are sure we can help you. For over 30 years, our firm has helped successful physicians, dentists and other productive individuals across the country maximize the efficiency, control, and safety of the conversion of their earnings into spendable savings. Our eBook and webinar provide insights to our philosophy and the structures we use. But most importantly, an [...]

Supercharge your retirement The leveraged, tax-free life income program (LT-FLIP) supercharges growth. The Leveraged Tax Free Life Income Program (LT-FLIP) generates 200% to 300% more spendable retirement distributions for half the cost in half the time. A bank or other lender contributes three quarters of the contributions, and is paid back from the growth of the account later on. The LT-FLIP is a special design, nonqualified retirement plan that accelerates the growth on 5 years of plan contributions through leverage that equals 300% of the participants’ contributions to the plan. Clients can [...]