Physician Financial Advisor in Newtown Township, PA

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At Thrift Financial, we focus on the unique financial needs of medical professionals through comprehensive, personalized planning. Our financial and retirement planning analysis includes detailed cash flow projections for pre- and post-retirement, along with careful RMD planning to help ensure tax-efficient income. We also offer guidance on wills and trusts to support your estate planning and legacy goals.

Investment management is a central part of our approach. Thrift clients receive thorough asset allocation reviews, tailored proposals, and execution strategies aligned with their goals and risk tolerance. Our team delivers detailed investment product analysis and ongoing portfolio monitoring, repositioning, and rebalancing. We also manage taxable account repositioning to optimize after-tax returns and implement specialized strategies to diversify concentrated stock positions.

Our recommendations are customized but often include a mix of publicly traded stocks, bonds, lower-cost exchange-traded funds, and carefully selected top-rated mutual funds. The firm also has experience analyzing and deploying alternative investments, including private equity, private credit, hedge funds,  commodities, and real estate.

Medical professionals often face unique challenges, such as managing practice retirement plans. We offer analysis, design, and management of these plans, as well as recommendations for individual 401(k)s and IRAs held outside your current firm. For those with stock options and grants, we help you navigate and manage these positions to maximize benefits while mitigating concentration risk.

Thrift Financial takes a holistic view of your finances. Our services include portfolio risk analysis and scoring, Roth conversion strategies, and insurance analysis covering term and disability options. We also help practices and partners improve cash management through our banking research, reviews, and recommendations. 

Thrift was founded on the belief that the investments used by many institutions, physicians, and families are too expensive to consistently position investors to outperform efficient markets. 

Layering investment consultants' and advisors' fees on top of embedded investment costs further reduces the likelihood of beating the broad market.   Thrift has researched this topic extensively; some of our public research on the subject can be reviewed by clicking here. 

We rely on our experience to source and negotiate rates, thereby lowering investment costs to help our clients achieve their financial goals.   Our physician clients are always invested in the lowest cost available share classes, which is frequently institutional-level pricing. 

Thrift Financial offers a full range of financial consulting services at highly competitive pricing.   Our investment advisory fees consistently rank among the lowest in the industry, often landing at half the standard rates in the industry.  

Our maximum annual asset-based fee of 1/2 of 1% for managed assets under $5 million is among the lowest in the industry.   For clients who prefer a fixed-fee arrangement, we offer highly competitive contract pricing.   Additional important information on Thrift services and fees can be reviewed by clicking here. 

Thrift aims to construct investment portfolios that minimize investment costs while matching or exceeding benchmark returns that align with client risk tolerance.