What Do We Help Optometrists Navigate?
Tax Planning Before the Deadline Gets Close
Almost every major money decision touches your taxes: how you pay yourself, how your practice is structured, when you buy equipment, and how much you save for retirement.
We help you look ahead during the year, not just when it is time to file.
This may include projecting the tax year and reviewing tax-smart planning ideas, coordinating with your CPA or EA, and looking at how your tax plan fits with your practice, investments, charitable giving, and long-term goals.
Student Loan Planning That Fits the Rest of Your Life
Optometry school debt can affect more than your monthly payment.
Your repayment path may depend on your income, practice plans, family goals, and current loan rules. We help you review your options, compare possible paths, and build a student loan plan that fits with the rest of your financial life.
Because student loan rules can change, we revisit your plan as needed.
Understanding Practice Financials
Your practice is likely your most valuable asset, and its financial health drives almost everything on the personal side — what you can pay yourself, save, and eventually sell for. How is it performing financially? What should you do with cash flow it creates?
We bring clarity to the numbers and decisions: reviewing profitability and cash flow, equity, and the financial signals that tell you whether the practice is building wealth or just paying the bills. That’s what connects the decisions you make in the business to the life you’re building outside it.
The goal is to connect practice decisions to your personal financial plan, so you can see how the business supports the life you are building.
Get Clear on Cash Flow and Debt
Cash flow is where your practice and personal life meet.
Owner pay, practice debt, student loans, the mortgage, savings, and day-to-day spending all pull from the same picture.
We help you organize what is coming in, what is going out, what you owe, and what you are trying to build toward. From there, we help you decide which debts to focus on, how much to save, and how your money can support your next step.
Professional Coordination
Your financial life may involve a CPA or EA, attorney, lender, insurance professional, practice consultant, and other key professionals.
The challenge is that they may not always be talking to each other, which can leave you trying to piece the advice together on your own.
We help coordinate with your professional team so your tax planning, legal documents, insurance coverage, lending, practice decisions, and financial plan are easier to manage together.
When there is a gap, we can also help you identify what kind of professional may need to be involved.
Planning for Practice Transitions
Some of the biggest financial decisions in an optometrist’s career happen during transitions.
That may include starting cold, buying into a practice, purchasing a practice, bringing on a partner, selling, or stepping away from ownership.
Each move can affect your taxes, debt, cash flow, owner pay, retirement timeline, and household goals. We help you model the numbers before you commit, so you can see how the decision may fit into your full financial life.
Whether you are a few years from ownership or starting to think about your exit, we help you look at the tradeoffs, timing, and planning steps that come with a major practice move.
Investment Management With Your Full Plan in Mind
Your investments should not be managed in a vacuum.
We build portfolios around your goals, timeline, risk comfort, taxes, and broader financial plan. That may include retirement accounts, taxable accounts, practice equity, and future income needs.
Our focus is on low-cost, diversified investing based on academic evidence, not stock-picking or guessing what the market will do next.
We also help you understand what you own and why it fits your plan.
Retirement Planning for Practice Owners
Retirement planning is about more than picking an age.
For optometrists, it includes savings, investments, taxes, practice value, income needs, health care, and the future sale or transition of the practice.
We help you bring those pieces together so you are not relying on one single outcome. As your life and practice change, we update the plan with you.
Insurance Planning for Your Life and Practice
The right insurance coverage can help protect the people and business that depend on you.
We review what you already have and look for gaps in areas like disability insurance, life insurance, liability coverage, and practice-related protection.
We do not sell insurance or earn commissions. When coverage is needed, we can coordinate with qualified insurance professionals so the recommendations fit your situation.
Estate Planning That Keeps Up With Your Life
Estate planning is about making things easier for the people who depend on you.
We help you think through key questions, such as who would make decisions if you could not, what would happen to your practice, who would care for your children, and whether your beneficiary details are up to date. And we monitor all of it as your life changes.
When legal documents and advice are needed, we coordinate with your estate attorney. We also revisit your plan as your family, assets, and practice change.
Our Pricing
Financial planning and investment management for a flat, monthly fee.
No investment fees. No Asset minimums.
