SHEARWATER CAPITAL

We begin most physician relationships by developing a comprehensive financial plan tailored to the unique challenges and opportunities of a medical career. This process starts with a careful review of your current financial picture. From there, we prepare a detailed report that includes a family balance sheet and income statement, along with an evaluation of key areas such as investments, student loan and debt management, emergency savings, college funding, insurance coverage, and estate planning.

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Recognizing that physicians face a delayed start to saving and a later income peak, we provide clear, actionable recommendations designed to maximize your financial progress, address any gaps, and build the resources necessary to support the lifestyle and retirement you envision.

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Once your plan is in place, we remain actively engaged, monitoring your progress and scheduling check-ins that respect your demanding schedule. To provide additional confidence, we employ sophisticated Monte Carlo analyses to assess the probability of meeting your retirement goals and to help you stay on track.