Good Advice at a Fair Price
A comprehensive financial plan is the foundation of long-term success. Most financial advisors focus on managing your money. We start by helping you understand it, so that your money can work for you.
A Better Way to Do Financial Planning
Most financial advisory firms prioritize managing as much money as possible so that they get paid more. We built White Coat Planning differently.
Planning Comes First
We begin by helping you understand your current financial picture and build a plan to get you where you want to be. Without an assessment of where you are and understanding your goals, tax situation, risk tolerance, and life situation, it is impossible to provide advice on financial decisions, including where and how to invest your money.
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Flat Fee, Full Value
You pay the same flat fee for your financial plan regardless of your income or net worth. Success shouldn’t come with a higher price tag. Choose the level of ongoing support that fits you best and know exactly what you’ll pay from the start.
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Educated and Experienced Professionals
All of our lead planners hold the CFP® designation (CERTIFIED FINANCIAL PLANNER®) and the CSLP® credential (Certified Student Loan Professional®). Our team specializes in the specific planning considerations unique to physicians, dentists, and other high earners.
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No Conflicts, No Commissions
We don’t sell products. We don’t earn more for pushing complexity. This model ensures we are compensated for quality expertise and advice, not for selling financial products or collecting commissions.
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Optional Investment Help
Every client receives a comprehensive financial plan which includes portfolio recommendations. For those who want additional implementation help, we offer optional investment management services.
The White Coat Planning Process
Discovery Call
We have a 30-minute discovery call to see if we are a good fit. Together we select the services that best meet your needs and schedule your first meeting.
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Data Gathering
You complete our comprehensive onboarding questionnaire and securely share relevant financial documents.
Plan Development
Our team analyzes your situation and builds your customized financial plan.
Plan Presentation
We present your plan, answer questions, and refine recommendations together.
Ongoing Support
You receive ongoing advice, help implementing your plan, and regular updates as your life and goals evolve.
What's Included in Your Plan
A comprehensive financial plan is thorough, personalized, and designed to address the real questions you're facing.
Every plan will evaluate:
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Goal selection and prioritization
Cash flow optimization
Savings rate selection
Employer benefits analysis
Student loan management
Tax planning
Short-term cash needs
Insurance review and recommendations
College planning
Net worth calculation
Debt management
Estate planning
Portfolio evaluation and design
Charitable giving optimization
Retirement planning
Withdrawal strategy analysis and recommendations
Social Security and Medicare planning
Legacy goals
Common questions answered:
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How do I reduce my tax burden?
Should I make any changes to my investments?
Should I invest or pay down debt?
Should I make pre-tax or Roth contributions?
How can I ensure market changes don’t derail my goals?
How much house can I afford?
When am I on track to retire or cut back?
When can I cut back at work?
How can I smooth out my cash flow?
How much do I need to save now to retire or cut back at a given age?
Am I making the most of my workplace benefits?
What is the best way to resolve my student loan debt?
Am I adequately insured?
Should I add real estate to my portfolio — if so, what kind?
How can I best plan for my kids’ education?
How much do I need to save now to reach my goals?
Should I have a trust or just a will?
What is the best way to give to charity?
When should I claim Social Security?
What is the most effective way to leave money to family or charities at death?
Transparent Pricing for Financial Planning and Advice
We charge a one-time flat fee of $4,500 to create your personalized financial plan, followed by a monthly advisory fee for ongoing guidance and plan updates as your life evolves.
Essential
Comprehensive financial plan
Customized student loan plan
In-depth annual review
Email support from planning team throughout the year
Access to custom financial planning dashboard
Standard
Most Popular
Everything on the Essential plan PLUS:
Access to entire custom financial planning software
Customized student loan plan updates and adjustments
Mid-year update meetings, as needed
Quarterly action call with planning team
20% discount on The White Coat Investor's courses
Plus
Everything on the Standard plan PLUS:
Additional Zoom calls with planning team
Extended availability for meetings
Coordination with other members of your financial team (e.g., CPAs, attorneys, insurance agents, investment managers, etc)
Priority email response from planning team (typically less than 90 minutes during business hours)
Legacy Plan
For experienced DIYers whose primary goal is to establish, foster, and maintain a planning relationship that will support their spouse and family in the event of diminished capacity or the death of the DIYer. Please note, this plan is only available after one year of service on another plan.
Not sure which plan is right for you? Learn more about each support level.
See Your Costs: Flat Fee vs. AUM
See how our transparent, flat-fee pricing compares to traditional 1% AUM fees over 20 years.
Increased Wealth with Our Flat Fees vs. 1% AUM
What Is Comprehensive Financial Planning?
Comprehensive
Turning over every rock to understand your complete financial picture. We don't just look at one area of your finances. We examine everything from cash flow and debt, to taxes, insurance, and long-term goals. Comprehensive means holistic, thorough, and tailored to you.
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Financial
We do not believe this process is simply about money. True financial planning considers the four currencies of life: Time, Money, Energy, and Attention. Our goal is to help you allocate these resources in a way that aligns with what matters most to you.
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Plan
We will help you find every dollar and give every dollar a job, creating a clear roadmap for your financial future. A plan is not a product or a sales pitch — it's a strategic guide that evolves with you, helping you navigate decisions with confidence and clarity.
Additional Support and Services
Specific solutions for clients who don't need a full comprehensive plan right now.
Student Loan Plan & Consultation
All of our comprehensive plans include this service, but many clients may only.
1-hour expert consulation
Clear repayment or forgiveness roadmap
Access to student loan planning software
6 months of follow-up support
Includes you and your significant other
Hourly Financial Advice
Designed for limited scope questions from clients not subscribed to monthly support.
Please Note:
This is not a way to get a comprehensive plan. Many "simple" questions require research. 2-hour minimum.
If you need deep analysis, our monthly support is often more cost-effective.
Investment Management
Transparent, low-fee management for your entire portfolio (retirement and brokerage accounts, 529s, etc).
Effective AUM Fee:
*Fees are in addition to monthly planning fees.
Not sure which plan is right for you? Learn more about each support level.
Ready to Take Control of
Your Financial Future?
No obligation. No sales pressure. Just honest conversation.
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