Disclosures & Disclaimers

General Advisory Disclaimer

White Coat Planning is a division of Extraordinary Trust LLC ("Extraordinary Trust") (f/k/a Fieldpoint Private Trust LLC), a public trust company chartered in South Dakota, regulated by the South Dakota Division of Banking. Extraordinary Trust is a non-depository trust company and does not accept deposits or offer traditional banking services. Extraordinary Trust is not a bank, and accounts administered by the company are not insured by the Federal Deposit Insurance Corporation (FDIC). Financial planning and advisory services offered through White Coat Planning are provided under the authority of Extraordinary Trust.

White Coat Planning provides comprehensive financial planning, investment guidance, and related advisory services to medical professionals and their families. Services are provided on a fee-only basis. White Coat Planning does not receive commissions, referral fees, or compensation from third-party product providers in connection with client recommendations.

Advisory services offered through White Coat Planning may include, but are not limited to: goal prioritization and planning, cash flow optimization, tax-aware planning, insurance analysis and recommendations, retirement planning, investment portfolio evaluation, estate planning guidance, benefits analysis, and student loan management. White Coat Planning does not provide legal advice or services, tax advice or tax return preparation, or the sale of insurance or investment products. Nothing on this website constitutes an offer to sell or solicitation to purchase any financial product or service.

The information and services provided by White Coat Planning are intended solely for general financial planning purposes. Nothing on this website, in any report, presentation, communication, or meeting constitutes legal advice, tax advice, accounting advice, or any other professional advice. Clients should consult with a licensed attorney for legal matters and a licensed CPA or tax professional for tax advice, tax preparation, and tax-related legal questions.

While White Coat Planning incorporates tax-aware strategies as part of financial planning, this does not constitute the practice of tax law or the preparation of tax returns.

The content on this website is provided for informational and educational purposes only. It is not intended as personalized financial, investment, legal, or tax advice and should not be relied upon as such. The information presented may not be applicable to your individual financial situation. All financial planning engagements are conducted through a formal advisory relationship established by written agreement between the client and White Coat Planning.

Past performance of any investment strategy, financial plan, or planning approach discussed on this website or in planning materials is not a guarantee or indicative of future results. All financial planning involves inherent uncertainty. There is no guarantee that recommendations will achieve stated goals or objectives.

Extraordinary Trust is chartered in South Dakota and regulated by the South Dakota Division of Banking. Financial planning services offered through White Coat Planning are provided under the charter of Extraordinary Trust. For information regarding the regulatory status of Extraordinary Trust, you may contact the South Dakota Division of Banking by calling (605) 338-9170 or visit https://www.sdtrustco.com.

Affiliate Relationships

White Coat Planning is a division of Extraordinary Trust. Clients engaging White Coat Planning may be introduced to related services offered by Extraordinary Trust, including directed trust administration and family office services. Any cross-referral between divisions or affiliated entities will be disclosed to clients in advance, and no compensation is paid between divisions that creates a conflict of interest with client recommendations.

White Coat Planning maintains a referral relationship with The White Coat Investor and DLP Capital. White Coat Planning does not pay or receive referral fees in connection with client referrals.

Student Loan Planning Disclaimer

White Coat Planning, a division of Extraordinary Trust, offers student loan analysis and repayment strategy planning as part of its comprehensive financial planning services and as a standalone consulting service available to medical professionals. Student loan planning services are provided by qualified planning professionals associated with White Coat Planning.

Student loan planning services provided by White Coat Planning may include: analysis of available federal repayment plans (including income-driven repayment options), evaluation of Public Service Loan Forgiveness (PSLF) eligibility and strategy, refinancing analysis and comparison, forgiveness program projections, and integration of loan repayment strategy into a broader financial plan.

We analyze your loan situation, model repayment scenarios, and provide evidence-based recommendations on which repayment or forgiveness strategy may be most advantageous given your financial circumstances, career path, and goals.

Student loan planning services provided by White Coat Planning do not constitute legal and tax advice, and White Coat Planning is not a law firm. Nothing communicated by White Coat Planning — verbally, in writing, or through software-generated reports — should be construed as legal and tax advice regarding your loan agreements, loan servicer disputes, borrower rights, or legal remedies available under federal or state law. If you have legal questions regarding your student loan agreements, disputes with your loan servicer, or legal rights as a borrower, you should consult a licensed attorney.

White Coat Planning, a division of Extraordinary Trust, is not affiliated with, endorsed by, nor acting on behalf of, the U.S. Department of Education, the Federal Student Aid office, or any federal student loan servicer. Communications and recommendations from White Coat Planning do not represent official guidance from any government agency or loan servicer.

Federal student loan repayment programs, forgiveness programs (including Public Service Loan Forgiveness), and income-driven repayment plans are established by federal law and regulation and are subject to change by Congress or the U.S. Department of Education at any time. White Coat Planning cannot guarantee the continued availability, terms, or eligibility requirements of any federal program.

Analysis and recommendations provided by White Coat Planning are based on laws, regulations, and program rules in effect at the time of the engagement. Clients are responsible for monitoring changes to federal loan programs that may affect their repayment strategy, and White Coat Planning strongly encourages clients to review their strategy periodically and following any significant change in federal student loan policy.

Federal student loan programs have been subject to significant legislative and regulatory changes in recent years, including changes affecting income-driven repayment plan structures and forgiveness timelines. White Coat Planning advisors will communicate known policy developments that may affect your plan, but cannot guarantee the accuracy or completeness of information regarding ongoing or prospective regulatory changes. Always verify current program status directly with your loan servicer or the Federal Student Aid website at studentaid.gov.

Software-Generated Reports

White Coat Planning may utilize financial planning software to generate student loan analysis reports, repayment projections, and forgiveness estimates. These reports are generated using inputs provided by the client and assumptions established by the planning software. Projections are illustrative in nature and are not guarantees of future outcomes. Actual loan balances, interest accrual, payment amounts, and forgiveness amounts may differ materially from projections depending on changes to your income, family size, program rules, or other factors.

Clients should review all software-generated reports carefully and discuss any questions or concerns with their White Coat Planning advisor before making financial decisions based on the projections contained therein.

White Coat Planning does not guarantee that any client will achieve student loan forgiveness under PSLF, income-driven repayment plans, or any other program. Forgiveness outcomes depend on factors outside the control of White Coat Planning, including employer eligibility, qualifying payment counts as determined by the Department of Education, program continuation, and borrower compliance with program requirements. Clients are solely responsible for ensuring their eligibility, maintaining qualifying employment, submitting required certifications, and complying with applicable program rules.

No Guarantee of Results

Financial planning is a forward-looking process that involves projections, estimates, and assumptions about future conditions that are inherently uncertain. While White Coat Planning advisors apply professional judgment, evidence-based strategies, and industry-standard tools, no financial plan, recommendation, or strategy can guarantee a specific financial outcome.

Investment values fluctuate and clients may receive back less than they invest. Tax laws and retirement program rules are subject to legislative change. Insurance products, coverage terms, and premiums are subject to carrier decisions and market conditions. The achievement of any financial goal depends on many factors, including client behavior, economic conditions, changes in personal circumstances, and factors outside the control of White Coat Planning, a division of Extraordinary Trust.

By engaging White Coat Planning, clients acknowledge that financial planning involves inherent risk and uncertainty, and that White Coat Planning does not warrant or guarantee specific financial outcomes.

Third-Party Services & Technology

White Coat Planning, a division of Extraordinary Trust, may utilize third-party financial planning software, portfolio analysis tools, account aggregation services, and other technology platforms in the delivery of planning services. White Coat Planning is not responsible for the accuracy, availability, or security of third-party platforms and technology providers. Use of third-party services may be subject to separate terms and privacy policies maintained by those providers.

Links to external websites provided on the White Coat Planning website are for informational convenience only. White Coat Planning does not endorse, control, or assume responsibility for the content of any linked third-party website.

Contact Us

If you have questions about these disclosures or the services offered by White Coat Planning, please contact us:

White Coat Planning — A Division of Extraordinary Trust

Email: contact@whitecoatplanning.com

Website: whitecoatplanning.com

The information on this website is provided for informational purposes only and should not be construed as legal, tax, investment, or fiduciary advice. Viewing this website or contacting White Coat Planning through this website does not create a fiduciary, attorney-client, or advisory relationship. Nothing on this website constitutes an offer to sell or solicitation to purchase any financial product or service. Do not send confidential information or account instructions through this website.

Extraordinary Trust and its White Coat Planning division use reasonable efforts to include accurate and up-to-date information on the website, but make no warranties or representations as to its accuracy. Extraordinary Trust and its White Coat Planning division assume no liability or responsibility for any errors or omissions in the content of the website. These disclaimers, disclosures, terms, and conditions may be updated at any time. Viewers are bound by any such revisions and should periodically visit this website to review the current version.