We are independent, fee-only CERTIFIED FINANCIAL PLANNERS™ and tax advisers. We advise high income professionals and business owners on ways to grow and protect their wealth while incorporating tax minimization strategies on a comprehensive basis. We are fiduciaries for our clients. We’ll outline your financial options and explain how each will or won’t help you achieve your goals so you’ll make decisions with clarity and confidence. We work exceptionally hard to make sure you’re glad you decided to hire us.
We don’t sell insurance. We don’t have a favorite mutual fund firm. We don’t connect you with people who will pay us a kickback or referral fee for an introduction. We don’t invest your money without a plan that you believe in and can follow. We don’t give generic advice based upon boilerplate and rule of thumb solutions. We don’t try to be everything to everyone. We never judge your past experiences or your future dreams. And we will never, ever suggest anything we wouldn’t recommend for our own parents or kids.
At FWM, all wealth management services are plan-driven. Just as you wouldn’t write out a prescription or recommend a course of treatment before making a diagnosis, wealth management is not a one-size-fits-all or rule-of-thumb solution. We never make a recommendation without a “diagnosis”, nor do we invest your money without having an intimate understanding of your financial background and concerns so we can develop a plan to help you. Once we agree on a plan of action, we are then able to employ your resources to their best advantage to accomplish your financial objectives.
If you’re a doctor, you may be wondering what makes us different from the typical financial advisor. You’ve come to the right place to find out!
Whether you’re just around the corner or across the country, FWM has the experience and systems in place to simplify complex financial planning with minimal disruption to your busy schedule. Let’s go from “What if?” to “Why not?”!
As Fee- Only® planners, we are your fiduciary. This means the only compensation we receive is from you. Think of us as your financial liaison, standing in the gap between you and the array of money questions you face, both small (how to follow a budget) and large (when to retire).Fee- Only® planners are your only reliable source of unbiased, experienced professional advice.
Our goal is simple: to clarify and simplify your financial life so that you can make financial decisions purposefully and live abundantly.
Johanna is frequently contacted by regional and national publications for her viewpoints on financial planning, investing, and a variety of other topics. Follow the links below to read what's on her mind! (Please note that some articles require a paid subscription to view.)
Johanna is a contributor to:
Don't Let The F-Word Trip You Up When Looking for an Advisor Physician's Money Digest, December 2016
How to Manipulate AGI to Lower Your Taxes Physician's Money Digest, December 2016
My 12-Step Program for Year-End Tax Planning Physician's Money Digest, December 2016
Why Low Interest Rates Shouldn't Bother You Physician's Money Digest, December 2016
Investing in Bonds is Bad for Your Wealth Physician's Money Digest, November 2016
What You Should Know About Deducting Your Car for Business Physician's Money Digest, November 2016
How Your Taxes May Change in a Trump Administration Physician's Money Digest, November 2016
6 Huge Benefits of IC income Physician's Money Digest, November 2016
An Olympic Tax Loophole for Business Owners Physician's Money Digest, November 2016
6 Reasons You May Need a Trust Physician's Money Digest, October 2016
How To Ditch an Insurance Policy You Don't Want Physician's Money Digest, October 2016
When and How to Do a Taxable Roth IRA Conversion, Part 2/2 Physician's Money Digest, October 2016
Roth Conversions: A Fabulous Way to Build Wealth, Part 1/2 Physician's Money Digest, October 2016
10 Reasons You Need a Taxable Investment Account Physician's Money Digest, September 2016
How to Deduct the Cost of Raising Your Child Physician's Money Digest, September 2016
A Simple Change to Your Tax Return Can Save You Big Bucks Physician's Money Digest, August 2016
Bonds: What Are They Good For? Part II Physician on Fire, August 2016
Bonds: What Are They Good For? Part I Physician on Fire, August 2016
Where Should 60-Somethings Hold Cash for Safety? Investopedia, July 2016
Should Doctors Use Personal Service Corporations? White Coat Investor, June 2016
Why financial advisers want to become online rock stars on Investopedia and NerdWallet . Investment News, March 2016
Best Ways to Pay Off Every Type of Loan-Page . Kiplinger's Personal Finance, March 2016
Is your checking account too fat? How to tell and what to do about it . USA Today, January 24, 2016
Life Estate vs. Irrevocable Trust: Which is Better for You? , Investopedia, January 7, 2016
5 Taxes Americans Hate the Most, Investopedia, December 21, 2015
6 Lifestyle Changes that will Save You Money , U.S. News, July 6, 2015
How to Responsibly Handle an Inheritance , NerdWallet, June 11. 2015
Business Owners, Take Note of These Tax Deadlines , NerdWallet, May 6, 2015
Give Your Finances a Good Spring Cleaning , NerdWallet, April 13, 2015
Your Best Money Moves for March , NerdWallet, March 3, 2015
5 Surprising Things You can Deduct from Your Income Taxes , MarketWatch, February 27, 2015
The Best Money Moves for January , NerdWallet, January 4, 2015
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