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Ongoing Planning & Investment Management

Aligning Your Prosperity With Your Life's Vision

Who We Serve

Pharmacist Families

We specialize in working with pharmacists and their families. We understand better than anyone the opportunities and challenges this profession presents when pursing one's financial goals.  

Retirement Focused

Our services and expertise are tailored to serving those who have a goal of future retirement. Specifically those who want to retire in their 50's & 60's.

Looking For A Trusted Advisor

Clients of our firm understand that the success and wellbeing of their retirement is too important to be planned for alone. They understand the value of expert advice and guidance.

Aged 40+

We do our best work for  pharmacists that are aged 40+ that want to make "work optional" within the next 10 years.

What’s Included

Financial Planning Rochester, MN PharmD Financial Planning, LLC

Retirement Planning

We'll help you answer your most important retirement questions. For example:

1.) When can I actually retire? (50's, really??)

2.) How much can I afford to pay myself in retirement? 

3.) In the long-run, will I be ok?

We’ll provide unbiased advice and guidance that will help you maximize the effectiveness of your retirement transition from beginning to end. 

Investment Management Rochester, MN PharmD Financial Planning, LLC

Tax Planning

What do pharmacists dislike more than PBM's? Paying more than they're required too in taxes! Proactive tax planning is critical. (Click here to learn why Tax Planning Matters!)Taxes may end out becoming your biggest future expense, even in retirement. We work diligently to help our clients minimize their lifetime tax bill. A few areas we  focus on include:

  • Annual Tax Return Analysis
  • Annual Roth Conversions
  • Asset Location Efficiencies
  • Income Coordination and Timing Strategies

Our goal is to help our clients take advantage of every tax opportunity in this ever-changing tax law environment.

Ongoing Relationship Rochester, MN PharmD Financial Planning, LLC

Evidence-Based Investment Management

We believe in evidence-based investment management. If you choose to include investment management in our engagement together, we’ll determine a strategy based on your risk tolerance, income needs, and your long-term investment goals. Our philosophy is to provide low cost, high quality, and globally diversified investment portfolios. Making decisions based on fact rather than prognostication will enhance your chances of future investment success.

Insurance Optimization

Managing risk isn't just for investments. Making sure you are covered and protected from future events (while not paying more than you should) is a big piece of true financial wellness. We are a fee-only, no commissions firm. So we can provide a conflict free comprehensive review of your insurances without you having to worry about us recommending or selling you something you don't need! We can provide a review of your Life, Long-Term Care, and Disability Insurance Needs.

Income & Estate Planning

Social security, pensions, RMD's, rental income, and more. Many planning decisions will need to be made regarding these potential income sources. We will help you coordinate the timing and taxation of these income sources to maximize their value and net payout. Making sure these income sources work efficiently alongside your other financial resources will be critical in the pursuit of your long-term financial goals.

Ongoing Relationship

Real financial planning is an ongoing endeavor. We’ll regularly review your progress throughout the year and adjust your strategy as your life evolves. We’ll also be here as your go-to resource to talk through any financial events or decisions that arise. You'll never have to worry about making big financial decisions alone. We believe that financial planning is a process and not an event. That means we'll provide you with proactive planning year-round. You will also be given access to your own online client portal and our weekly client email, PharmD Weekly.

PharmD Financial Planning Case Studies

(These case studies are hypothetical and do not involve PharmD FP clients. These should not be constructed as a guarantee.)

Family-Case Study #1 Rochester, MN PharmD Financial Planning, LLC

Case Study #1

We Made it, Now What?

View the case study

Young Couple Approaching Retirement Case Study #2 Rochester, MN PharmD Financial Planning, LLC

Case Study #2:

Approaching Retirement

View the case study

Elderly couple Case Study #3Rochester, MN PharmD Financial Planning, LLC

Case Study #3:

A DIYer No More

View The Case Study

View Our Fees

Our Mission

To help educate and empower our clients to make life changing financial decisions

Schedule an Introductory Call