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Ongoing Wealth Management

Build Your Wealth

We pair you with a dedicated Earned Advisor who is an expert in physician wealth management. Your advisor will apply our Physician Wealth Playbook to identify potential strategies to help you work toward your financial goals.

Our clients love that we prioritize what they care about.

Reduced taxes

We aim to manage taxes through automated tax-loss harvesting and proactive tax planning.

Expert-built portfolios

We work to improve your portfolio performance and employ tax-smart investing strategies. This has resulted in personal tax savings for our clients of, on average, almost 1.8% of their portfolio value [1].

A plan for the long term

We construct a financial plan that dynamically adjusts to changes in your career, life, and priorities.

We offer a seamless, white glove experience

We start by matching you with a dedicated Wealth Advisor. Your Advisor will be a qualified CERTIFIED FINANCIAL PLANNER™ who works exclusively with physicians. As a fiduciary, your Advisor is legally obligated to act in your best interest, as the client. Advisors are incentivized on client happiness and never paid commissions on specific products.

Your Advisor is your real-life, personal financial advocate.

Easy communication through app or by text.

Virtual meetings to enable a meeting anywhere.

Available on nights and weekends.

Fiduciary who works only with physicians.

Backed by Our World-Class Investment Platform

Custom indexing

Custom indexing allows for personalization and asset allocation precision superior to ‘baskets’ like ETFs and mutual funds.

Private investments

Private investments include strategies such as private equity, private credit, private real estate, opportunity zone funds, and 1031 tax-free exchange funds. Private investments, such as private equity, can play an important role in an overall diversified client portfolio.

Tax-smart investing

Tax-smart investing provides opportunities for tax savings through tax loss harvesting, tax-efficient asset location, tax-efficient retirement income, and portfolio transitioning that helps minimize capital gains taxes.

Impact

Impact: Automated tax loss harvesting may generate about 1.8% in annual tax savings on taxable equity portfolios [1]. Additionally, private equity over time has generated about 4% greater returns compared to the public equity markets [2].

Talk to us about your financial goals

Book a free 15-minute consultation with one of our Earned Advisors to better understand your situation and learn how we can help.

The Earned Difference

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Physician-specific guidance that evolves across career and life stages

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Fiduciary not paid commission on product sales

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Personal financial planning with CFP® Professional

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Sophisticated tax-smart strategies to optimize outcomes

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Access to premier private investments, for qualified investors

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Comprehensive offering including tax and estate planning

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Transparent fees

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All-inclusive mobile app to track your investments

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High Capability

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Partial Capability

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Limited/No Capability

What You Can Expect

After you sign your agreement and get paired with your Earned Advisor, you’ll get them up to speed by sharing financial documents, connecting your accounts through the Earned App, and discussing your goals in your first virtual meeting. Your Earned Advisor will then analyze your baseline financial plan and, together, you’ll complete an initial review of their findings and confirm your personal preferences, like risk tolerance. The final step is to transfer your investment accounts that Earned Wealth will manage.

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Receive a comprehensive, personalized roadmap

Your dedicated Earned Advisor will develop a custom plan that becomes a roadmap from where you are today to where you want to be in the future.

Map your sources of income and identify your career and personal goals

Calculate your current net worth, inclusive of student loans, practice ownership, and real estate

Identify key value generation areas

A Year in the Life of an Earned Client

We regularly touch base with you throughout the year to review performance, as well as determine if adjustments to your financial plan or strategies are needed in any areas.

Q1

Financial planning review and beginning of year tax planning

Q2

Investments review and update (review opportunities for private investments)

Q3

Estate planning and insurance

Q4

Year end tax planning

“It’s a feeling that I hope my patients feel with me. To be able to turn to me and say, who do I turn to? Who do I ask? I feel Earned is empowering us to take control again. I feel supported, secure and on the path to financial health.”

Dr. Marcia Lu

Family Medicine

Testimonials provided by current clients. Clients are not compensated for providing testimonials.

Frequently asked questions

After signing your agreement, you’ll be paired with your Earned Advisor and create your client profile in the Earned App. You’ll use the Earned App to start sharing information with your Advisor to begin building your custom plan. From there, you’ll schedule a first virtual meeting with your Advisor to discuss your financial goals and share your communication preferences. The final step of onboarding is to transfer your investment accounts that Earned Wealth will manage.

  1. The tax savings percentage is calculated by dividing tax loss harvesting savings by a client’s overall portfolio value at the end of the year. The client universe for determining the average was all clients invested for the full calendar year 2023 in the Custom Indexing Global ADR strategy, sub-advised by Brinker Capital Investments, LLC, a registered investment advisor. The range for individual client tax savings percentage was 3.43% to 0.11%. Actual tax savings will depend on a particular client’s long- and short-term federal and state tax rates and portfolio-specific factors such as capital gains budget, dividend yield, portfolio turnover, contributions and distributions, and other factors that a client should consult with a licensed CPA regarding their particular tax situation. The use of losses harvested through the strategy will depend on the recognition of capital gains in the same or future tax period. Earned provides a report to its clients so they can see their own personal tax savings. Not all Earned clients choose or are eligible for the Custom Indexing Global ADR strategy.

  2. Excess return of U.S. private equity over public equities from 1989 through November 30, 2022 calculated as Cambridge Associates U.S. PE index net returns less the total returns of the S&P 500. Available at regime-change-private-equity-march-2023.pdf (kkr.com) page 8, exhibit 5. Actual returns will vary based on individual investor holdings, which will not be as diversified as the index cited. Private equity investing has liquidy and other risks. Not all clients may be eligible for private equity investments.

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© 2024 Noho Financial Inc

30 Cooper Square, 10th Floor, New York, NY 10003

Investment advisory services offered through Earned Wealth, an SEC-registered investment adviser.