Clear, Personalized Strategies for Lifelong Financial Wellness
At TheraWealth, we believe financial planning should feel as supportive and structured as a well-run care plan. Whether you’re just getting started or preparing for retirement, our services are tailored to the unique needs of medical professionals—those who dedicate their lives to helping others.
Each service below is delivered with the same level of care and clinical precision you’d expect in your own profession.
Financial Vital Signs
Your Financial Triage
Before any plan is built, we assess your financial “vitals”—your income, debt, savings, risk exposure, and goals. This quick but insightful diagnostic helps us understand where you stand, and where the plan needs to go.
What We Evaluate:
- Income & spending flow
- Savings & emergency reserves
- Debt balances & student loans
- Investment allocations
- Insurance gaps
Investment Planning
Prescribing Your Portfolio
We don’t just ask how much you want to earn—we ask how much uncertainty you’re comfortable with. We build risk-aware, evidence-based portfolios using low-cost funds, ETFs, and individual securities, always aligned with your comfort and values.
What We Do:
- Assess your risk tolerance (“How spicy do you like your mix?”)
- Align your goals with market realities
- Professionally manage, monitor, and adjust your portfolio
We act as your fiduciary—prioritizing your financial health over hype or trends.
Retirement Readiness
Your Financial Discharge Plan
You’ve worked hard in medicine. Now it’s time to plan your transition. We’ll help you map out income sources, healthcare costs, and lifestyle needs to help ensure you don’t outlive your money—or your purpose.
Included:
- Retirement income projections
- Social Security and Medicare guidance
- Withdrawal strategies
- Stress-testing for longevity and inflation
We’ll help you retire confidently—on your terms, with a plan that feels like a secure discharge.
Income & Disability Protection
Your Financial Insurance Protocol
What happens to your household income if you’re suddenly unable to work? We help ensure your most valuable asset—your ability to earn—is protected through thoughtful, personalized insurance planning.
We Cover:
- Life insurance plans to care for your loved ones
- Disability insurance tailored for healthcare roles
- Long-term care coverage for future healthcare needs
“A GoFundMe shouldn’t be your family’s financial plan.”
Employee Benefit Planning (Optional Add-On)
If you're building a practice or run a healthcare business, we can help you design affordable, tax-smart benefit plans for your team—so you attract and retain talent without compromising your own financial goals.
Solutions Include:
- Group life & disability
- SIMPLE IRAs or 401(k)s
- Business continuity planning
Estate Planning
Legacy Care Planning for the Ones You Love
Just as you wouldn’t leave a patient without discharge instructions, you shouldn’t leave your loved ones without a clear plan. At TheraWealth, estate planning isn’t just about transferring assets—it’s about preserving dignity, minimizing stress, and making sure your values carry on.
What We Cover
- Will & Trust Coordination
We’ll help you understand the difference, assess what fits best, and work with your attorney to ensure documents are current and aligned with your goals. - Healthcare & Financial Directives
From medical power of attorney to living wills, we’ll guide you in selecting decision-makers and ensuring clarity in crisis. - Beneficiary Review
We regularly review retirement accounts, insurance policies, and investment registrations to avoid costly mistakes. - Asset Titling & Liquidity Planning
Who owns what, how quickly it can be accessed, and how it's taxed matters. We help you simplify and streamline.
Ready to build a thoughtful estate plan that reflects your values—not just your valuables?
Ongoing Monitoring & Adjustments
Every care plan requires follow-up—and your finances are no different. We’ll revisit your plan regularly to adjust based on new goals, family changes, job transitions, or market shifts.