What We Do

A financial partnership built for your medical career reality.

Your days are spent taking care of others — navigating busy shifts, clinical complexities, or hospital leadership. Your financial strategy shouldn't feel like a second job.

We are a fiduciary, fee-only wealth management firm dedicated entirely to healthcare professionals. Because we are fee-only, we never sell products, earn commissions, or hide fees. Instead, we use a simple, transparent subscription pricing model and no account minimums.

We know your time is your most valuable asset. That is why we offer three distinct ways to partner with us, meeting you exactly where you are today.

Designed For Every Stage

Two foundational phases of a healthcare journey.

We focus our practice around where you sit in your career today — and evolve the relationship as your income and needs grow.

The Accelerator Tier

Perfect for: Nurses, Allied Health Professionals, Residents, and Medical or Dental Students.

When you are balancing rotations, heavy shifts, or student loans, you need high-impact strategies that work fast. We help you map out debt repayment, jumpstart your savings, and maximize your workplace benefits so you can start building wealth from day one.

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The High Earners Tier

Perfect for: Attending Physicians, Surgeons, Dentists, and Healthcare Administrators.

When your income scales, your financial life gets complicated. We step in with advanced tax minimization, asset protection, and private market opportunities to help you protect your hard-earned revenue and accelerate your financial independence.

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Choose Your Engagement Model

Drive the strategy yourself, or hand off the heavy lifting.

Whether you want professional-grade tools or a fully outsourced financial office, we have an engagement model designed for your lifestyle.

1

The Self-Directed Model

Autonomous — you build the roadmap; we provide the professional-grade tools.

Best Fit For

DIY investors and Accelerator Tier professionals who want to actively shape their own financial foundation.

What's Included

  • Full access to Cognis Wealth Platform™
  • Institutional-grade market data
  • Robust planning calculators, all under a flat, accessible subscription

Your Role

You place the trades, choose the investments, and set your own pace.

2

The Hybrid Model

Co-Pilot — collaborative planning for those who want a professional partner at the table.

Best Fit For

Mid-career professionals and High Earners who want a trusted fiduciary to pressure-test their ideas and look out for blind spots.

What's Included

  • Regular collaborative wealth planning sessions
  • Customized public market investment strategies
  • Proactive tax efficiency tracking and student loan optimization

Your Role

We provide the data and the recommendations; you give the green light before anything is implemented.

3

The Advisor-Led Model

White Glove — full fiduciary delegation so you can reclaim your time and peace of mind.

Best Fit For

High Earners, Surgeons, and busy Administrators who want their wealth completely optimized without the administrative headache.

What's Included

  • Total wealth management
  • Access to exclusive private market investments
  • Comprehensive tax coordination, asset protection, and full estate structures

Your Role

Complete peace of mind. You focus on your patients and your family; we handle everything else.

Core Pillars of Healthcare Expertise

No matter how you choose to work with us, our core services are fine-tuned for the unique realities of healthcare.

Comprehensive Total Wealth Planning

Aligning your hospital benefits — 403(b), 457(b), or non-qualified deferred comp plans — seamlessly with your household and personal investments.

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  • Goals-based financial planning
  • Hospital & practice benefits coordination
  • Multigenerational estate planning

Public & Private Market Investments

Building resilient portfolios tailored to your risk tolerance, including curated private market opportunities for our accredited clients.

Schedule a Consultation Public Markets service details Private Markets (AltsPRISM™) details Brokerage & Trading service details
  • Low-cost, tax-efficient public market core
  • Elite private market alternative allocations
  • Commission-free self-directed or advisor-assisted trading

Tax & Estate Protection

Proactive strategies to shield your income from high tax brackets and protect your assets from malpractice vulnerabilities.

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  • Proactive tax minimization strategies
  • Asset protection & malpractice safeguards
  • Estate design & multigenerational structures

Retirement & 401(k)/403(b) Solutions

Dedicated support for both sides of the retirement plan — the sponsor who offers it and the participant who depends on it.

Explore our Hyper-Personalized 401(k)/403(b) ERISA 3(21) & 3(38) Services

Plan Sponsors

  • Fiduciary protection & ERISA compliance
  • Plan design tailored to your practice or institution
  • Employee engagement and education programs

Plan Participants

  • Advised accounts with professional oversight
  • Tailored allocations based on age, risk, and goals
  • Ongoing guidance and retirement readiness planning

Plans we offer medical practices

A full spectrum of qualified and non-qualified plan designs, matched to your practice size, cash flow, and ownership structure.

Cash Balance Plans (Defined Benefit)

  • Allows high-earning physicians and older partners to shield massive amounts (often well over $100,000 to $275,000+ annually) from current taxes.
  • Works exceptionally well for specialist or small practices with steady cash flows and low staff-to-doctor ratios.

New Comparability 401(k)/403(b) Plans

  • Allows practice owners to divide employees into distinct classifications (e.g., physicians vs. general staff).
  • Enables owners to contribute a much higher percentage of salary for themselves while meeting non-discrimination testing requirements for staff.

401(k)/403(b) with Profit Sharing

  • Standard option for larger medical groups with higher employee headcounts.
  • Allows flexible annual employer profit-sharing contributions layered on top of employee deferrals.

SEP IRA / SIMPLE IRA

  • Simpler, lower-cost administrative setups.
  • Best suited for very small, newer practices or solo practitioners.

Ready to see how it fits together?

Schedule a free consultation with a CRG fiduciary advisor.

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