Fee‑Only Financial Advisor for Physicians & Medical Professionals

Medicine demands your time and attention.
Your finances should not.

You are asked to make critical financial decisions early and often, frequently without financial education or trusted advice. Too many physicians and medical professionals end up working with the wrong advisor, buying products they don’t need, or trying to piece things together on their own.

We chose to specialize in working with medical professionals because we’ve seen these mistakes play out too many times and the long‑term cost that comes with them.

We are a fee‑only, fiduciary firm, which means we are compensated only by our clients. No commissions. No product sales.

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Who We Work Best With

We do our best work with medical professionals who value an ongoing relationship and long‑term planning.

Many of our clients are new and early attendings navigating student loans, taxes, investing, and lifestyle decisions for the first time.

We also work with mid‑career and established physicians facing increasing complexity, including partnership decisions, practice changes, growing families, tax planning opportunities, and long‑term wealth management.

Additionally, we work with residents and fellows who want to prepare proactively for the transition into practice, as well as other high‑earning medical professionals such as dentists, pharmacists, and PAs facing similar income and debt challenges.

How We Help

Investment Management

We design investment strategies for late starts and high earnings, balancing lifestyle today with long‑term wealth building.

Tax Planning

From W2 to 1099 income, bonuses, and equity opportunities, your tax picture gets complicated fast. We proactively plan to reduce lifetime taxes, not just react at filing time.

Student Loan Strategy

Student loans are not just a balance—they are a strategy. We help evaluate forgiveness versus payoff, navigate PSLF and IDR plans, and avoid costly transition mistakes.

Ongoing Financial Planning

Your financial life does not follow a straight line. We provide an evolving strategy from residency through long‑term wealth building.

Last Semester of School

What's happening
There’s a critical to‑do that quietly sneaks up every spring. If you have student loans, decisions due by April 15 can shape your repayment strategy for years. It often lands right between other major milestones (Match Day and Graduation) and easily gets missed.

How I help
We start by meeting to see where your career path is taking you, discuss options for your loans, build a clear plan while address the pressing April deadline if it has not been handled yet.

Client win
Helped graduating students build an initial student loan plan during their final semester, often reducing first‑year payments by hundreds of dollars per month and creating a stronger foundation for those pursuing PSLF.

Transition to Residency

What’s happening
You are finally getting a paycheck! But with that comes more questions. For some, the focus is covering expenses. For others, it is the first chance to save intentionally and start investing toward their goals.

How I help
I help you design a plan that reflects your real situation, whether that means avoiding new debt or beginning to save earlier than expected.

Client win
Helped a dual-resident household navigate their employee benefits as residents, set up automated saving and investing while in residency and helped think through their student loan debt plan.

Residency or Fellowship Years

What’s happening
This stage is about strategy more than income level. Tax filing status and student loan decisions quietly compound, but they are often not coordinated. If cash flow allows, this can be a great time to start saving or investing.

How I help
I help align tax strategy with student loan planning to reduce required payments and help establish a strong financial foundation.

Client win
Helped a resident with a working spouse determine that filing separately resulted in thousands of dollars of savings on student loan payments while working toward PSLF.

Transition to Attending

What’s happening
Contracts, benefits, insurance decisions, moving, and a sharp increase in income all happen at once. Early choices here can be costly to unwind, lifestyle creep is easy to fall into, and intentional decisions matter.

How I help
I help you prioritize decisions so savings, insurance, investing, and tax planning work together instead of competing.

Client win
Helped a new attending balance financial goals with lifestyle goals by planning for a new car and annual travel while keeping taxes, loans, and long‑term goals aligned.

Attending Life and Growing Complexity

What’s happening
Income is higher, but life is more complicated. Career moves, partnership changes, children, real estate decisions, business or practice dynamics, and evolving tax rules mean things rarely stay the same for long.

How I help
This is where ongoing planning matters most. We tie your money to what actually matters to you, then adjust savings, investing, taxes, and risk management as life evolves, without starting from scratch every time something changes.

Client win
Helped a family reassess spending and savings after a job change, redirect excess cash flow toward long‑term goals, and avoid lifestyle inflation despite higher income.

Approaching Financial Independence

What’s happening
At this stage, the question often shifts from “How much am I making?” to “What do I want my money to allow me to do?” Some want flexibility, some want security, and others want the option to slow down, pivot, or retire earlier on their own terms.

How I help
I help you model what financial independence actually looks like for you, stress test different paths, and create a plan that balances enjoying life today with creating future freedom.

Client win
Helped a physician evaluate reducing work hours to spend more time with family by modeling sustainable spending, savings, and long‑term outcomes before making the change.

Who You’ll Be Working With

You will be working directly with Tristan Crook, CFP®, CSLP®.

Tristan specializes in helping medical professionals navigate student loans, tax planning, investing, and major financial decisions from training through practice and beyond.

He chose this work after seeing close friends in medicine struggle with complex financial choices, high debt, rapid income changes, and conflicting advice, often at the moments when clarity mattered most.

As a fee‑only fiduciary advisor, Tristan provides objective guidance without commissions or product sales, helping clients make confident decisions over time rather than reacting to each new transition.

Based in Kearney, Nebraska, Tristan works with medical professionals across the country, combining a specialized focus on physicians with the experience and resources of an established advisory team.

Ready to See If This Is a Good Fit?

If you want clarity around student loans, income decisions, or your overall financial picture, an intro call is a simple, no‑pressure conversation to see whether working together makes sense.

SCHEDULE AN INTRO CALL

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Medicine demands your time and attention.Your finances should not.