You Deserve Good Financial Advice at a Fair Price
We help you build wealth with comprehensive planning, transparent fees, and evidence-based investing.
High Income ≠ Financial Freedom
24% of Physicians in Their 60s Are Not Yet Millionaires
No matter your profession, that does not have to be you.
Income alone won't create financial freedom. A clear plan will.
More Than Just Money
When you no longer worry about money, you are free to focus on what matters most.
It's time to build a life defined by abundance, stability, and choice.
What Makes White Coat Planning Different
The financial industry is built around managing money and investing. Our focus is to help you make better decisions across every area of your financial life. We create a comprehensive, evolving financial plan that integrates income, spending, debt, insurance, investments, and taxes because investing without context is incomplete advice.
If you invested $1 million, a typical 1% AUM advisor would charge $10,000 a year. At $5 million, that cost jumps to $50,000, regardless of how much work is actually being done.
That’s why we charge a flat fee for financial planning and ongoing support, just like you'd pay a lawyer, accountant, or consultant.
If you choose to add investment management, we have some of the lowest rates in the industry.
Our Services
Financial advice, done right.
Financial Planning
A comprehensive plan for your entire financial life, including cash flow, debt, insurance, investments, taxes, and long-term goals.
Investment Management
Evidence-based investing with transparent fees. Available as an optional, add-on service for those who want professional analysis and implementation of their investments.
Student Loan Advice
Customized student loan plans without full financial planning. Strategic guidance on repayment, forgiveness programs, and refinancing options.
It's Time to Fix What Is Broken in the Financial Advice Industry
Most financial advisory firms are focused on increasing assets under management, not delivering great financial advice. Advisors are incentivized to add more clients because the more money they manage, the more they get paid. We built White Coat Planning differently.
We believe in fair, transparent fees that reflect the value of our advice, not the dollars in your portfolio. Our planners are paid for their expertise, not for selling products, or accumulating clients.
Good financial planning is more than numbers. It’s how you reclaim your freedom, avoid burnout, and build the life you deserve. We help you do that — with flat-fee financial planning that puts you in control. Because after everything you’ve sacrificed, you’ve earned it.
Fee Transparency, Always
We charge a one-time flat fee to create your personalized financial plan, followed by a monthly advisory fee for ongoing guidance and plan updates as your life evolves.
Take control of your cash flow so you know exactly where your money is going and ensure it’s spent on you care about most
Make decisions with confidence, not fear, because you finally have a written plan that aligns with your values
Protect your career and family with insurance strategies that cover catastrophe without overpaying for coverage you don’t need
Give yourself permission to spend and enjoy the what your hard work has earned you
Invest with a purpose using low-cost, tax-efficient strategies backed by evidence, not opinion
Financial Planning Is About More Than Just Money
Dollars are not your only currency. You spend your time, expend your energy, and give your attention. The ultimate purpose of a thoughtfully designed and well-executed financial plan is to allow you to create a better life, not just a better portfolio.
Time
Money
Energy
Attention
Ready to Take Control of
Your Financial Future?
No obligation. No sales pressure. Just honest conversation.
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