Physician Retirement Planning: Why Most Physicians Retire Later Than They Want To (And How to Retire on Their Terms)
Physician Retirement Planning: Why Most Physicians Retire Later Than They Want To (And How to Retire on Their Terms)
By Dan Johnson, CFP®, EA
Forward Thinking Wealth Management
Introduction
There's a gap at the center of most physician financial lives, and it rarely gets talked about directly.
On one side is what physicians say they want.
Surveys consistently show that most physicians would like to retire in their early-to-mid 60s, and a significant portion—particularly physicians in their 40s—would prefer to retire even earlier, in their 50s.
On the other side is what actually happens.
Many physicians work longer than they planned. Some continue practicing into their late 60s. Others work into their 70s. A number of physicians who once talked about retiring at 58 eventually find themselves still working at 68.
The gap between the retirement physicians envision and the retirement they ultimately experience is not random.
It has specific causes.
More importantly, many of those causes are preventable. If you choose to act.
After working with physicians for years, I've noticed something interesting. The physicians who retire on their terms rarely have dramatically different incomes than those who don't.
They don't necessarily earn more.
They don't necessarily invest better.
They don't necessarily take more risk.
What they tend to have is a plan.
Not an investment plan.
A retirement plan.
Those are not the same thing.
An investment plan focuses on portfolio growth.
A retirement plan focuses on creating the life you want after medicine. Or maybe while you are still practicing, just in a different manner.
The distinction matters more than most physicians realize.
This article examines why so many physicians retire later than they intended, the planning mistakes that contribute to that outcome, and what physicians can do to improve the odds of retiring on their own timeline rather than someone else's.
What the Data Shows
Many physicians assume that because they earn a high income, retirement will take care of itself.
Unfortunately, the data suggests otherwise.
Physicians consistently report concerns about whether they will be financially prepared to retire when they want.
Think about that for a moment.
We're talking about one of the highest-income professional groups in America.
Yet many physicians still worry they won't have enough.
That should tell us something.
The problem usually isn't income.
The problem is planning.
Physicians also tend to have high expectations for retirement.
Many envision travel, flexibility, charitable giving, helping family members, second homes, hobbies they postponed during their careers, and the freedom to spend time how they choose.
None of those goals are unreasonable.
But they require intentional planning.
The physicians who retire on time are usually the ones who spend years connecting today's financial decisions to tomorrow's retirement lifestyle.
The physicians who struggle often spend decades accumulating assets without ever clearly defining what those assets are intended to accomplish.
That's an important distinction.
Because retirement planning is not really about accumulating money.
It's about creating future freedom.
Why High-Income Physicians Still Struggle With Retirement Planning
One of the biggest misconceptions in personal finance is that a high income automatically solves retirement planning.
It doesn't.
A physician earning $400,000, $600,000, or even $1 million per year can still find themselves uncertain about retirement.
Why?
Because income alone doesn't create financial independence.
What matters is the relationship between income, spending, saving, taxes, investment costs, and time.
I've met physicians earning modest physician incomes who were well on track to retire early.
I've also met physicians earning extraordinary incomes who felt trapped.
The difference wasn't intelligence.
The difference wasn't investment performance.
The difference was that one group had a retirement strategy while the other had simply accumulated accounts.
That's why retirement planning should never start with the question:
"How much do I have?"
It should start with:
"What kind of life am I trying to build?"
How Much Do Physicians Need to Retire?
This is one of the most common questions I hear.
And it's usually asked the same way:
"Dan, how much do I actually need to retire?"
It's a reasonable question.
It's also the wrong place to start.
Most retirement conversations begin with a number.
Three million.
Four million.
Five million.
Sometimes more.
Physicians often hear retirement discussed as if there is a magic number that automatically creates financial independence.
Unfortunately, retirement planning doesn't work that way.
The better question is:
What kind of life are you trying to fund?
That's where retirement planning should begin.
Not with a portfolio target.
Not with a rule of thumb.
Not with whatever number your colleague mentioned over lunch.
With your life.
For example, consider two physicians who each retire with $4 million.
One plans to remain in the same community, travel occasionally, spend time with grandchildren, and maintain a relatively stable lifestyle.
The other plans to own a second home, travel internationally multiple times per year, support adult children financially, and make significant charitable gifts.
Same portfolio.
Very different retirement realities.
The number itself tells us very little.
That's why retirement planning should start with spending.
What will retirement actually cost?
Where will you live?
How often will you travel?
What will healthcare cost before Medicare?
Will you continue consulting?
Will you work part-time, such as Locums?
Will you support family members?
Will you downsize?
Will you relocate?
Once those questions are answered, the retirement number becomes much easier to calculate.
In my experience, physicians who focus exclusively on accumulating assets often end up with a surprising problem.
They reach a large portfolio balance but still don't know whether they can retire.
Not because they lack money.
Because they lack clarity.
A retirement plan should answer a simple question:
Can the assets you've accumulated support the life you want to live?
That's ultimately what matters.
Not the number itself.
The life the number is designed to fund.
And that's where physician retirement planning should begin.
The Five Planning Mistakes That Delay Physician Retirement
Although every physician's situation is different, there are several recurring planning mistakes that show up again and again.
These mistakes don't necessarily prevent retirement.
But they often delay it.
Sometimes by years.
And in many cases, the physicians making them don't realize it until retirement is much closer than they expected.
1. Starting Too Late
Physicians face a structural challenge that many other professionals do not.
Most physicians spend their twenties and part of their thirties in training.
A physician who becomes an attending at 33 has significantly fewer years to accumulate assets than someone who began earning and investing seriously at 22.
That doesn't make retirement difficult.
It simply means the early attending years matter enormously.
Unfortunately, those years often coincide with competing financial priorities.
Student loans.
A new home.
Children.
Lifestyle upgrades.
Practice buy-ins.
The result is that many physicians delay serious retirement saving during the very years when it could have the greatest impact.
The physicians who retire earlier often do one thing differently.
They treat their first attending years as an opportunity rather than a reward.
They save aggressively before lifestyle inflation fully takes hold.
2. Confusing Income with Wealth
A physician earning $500,000 per year is not automatically wealthy.
Income is what you earn.
Wealth is what you keep.
This sounds simple, but it is one of the most important concepts in retirement planning.
I've worked with physicians who earned extraordinary incomes but accumulated wealth slowly because so much of that income flowed elsewhere.
Taxes.
Debt.
Lifestyle expenses.
Investment costs.
Unnecessary fees.
Meanwhile, I've seen physicians with lower incomes build substantial wealth because they consistently converted income into assets.
The physicians who retire on their terms generally understand this distinction early.
They focus less on income and more on net worth.
Because retirement isn't funded by income.
It's funded by accumulated assets.
3. No Defined Retirement Number
One of the most common sources of retirement anxiety is uncertainty.
Many physicians don't know whether they're on track because they have never defined what "on track" means.
They may have a retirement goal.
They may have a portfolio.
But they don't have a target.
A retirement goal without a plan is simply a wish.
The physicians who retire confidently usually know:
- Their target retirement age
- Their expected retirement spending
- Their required portfolio value
- Their probability of reaching that target
That level of specificity creates confidence.
And confidence often determines when retirement actually happens.
I've found that many physicians can tell me exactly how much they've accumulated.
Far fewer can tell me whether they're actually on pace to retire when they want.
Those are two very different things.
4. Underestimating the Compounding Cost of Fees and Taxes
One of the biggest retirement risks physicians face is also one of the least visible.
It's not market volatility.
It's not a recession.
It's not even a bear market.
It's the slow, steady drag of unnecessary fees and taxes over an entire career.
When physicians think about fees, they often think in annual terms.
"My advisor charges 1%."
"My investments cost another half percent."
"That's not that much."
But retirement planning isn't an annual exercise.
It's a multi-decade exercise.
A physician who loses an extra 1% to 1.5% annually in combined advisory fees, product expenses, and avoidable taxes isn't just losing that money once.
They're losing every future year of compounding that money would have generated.
The impact is cumulative.
The difference between retiring at 58 and retiring at 63 is often not one big decision.
It's dozens of small decisions repeated over decades.
The physicians who retire on their terms tend to pay attention to these details.
Not because they're trying to optimize every penny.
Because they understand that every dollar saved from unnecessary fees and taxes is a dollar that remains available to fund their future freedom.
5. Building an Investment Plan Instead of a Retirement Plan
This is the mistake that sits underneath almost all the others.
Most physicians have an investment plan.
Far fewer have a retirement plan.
An investment plan answers questions like:
- What is my asset allocation?
- How are my accounts invested?
- What return am I earning?
Those are important questions.
But they are not retirement questions.
Retirement questions sound different.
- When can I stop working?
- How much can I spend?
- What happens if markets decline?
- How do I bridge the years before Medicare?
- What is my withdrawal strategy?
- How will taxes affect retirement income?
- How much am I tipping Uncle Sam every single year because my advisor isn’t helping me with tax planning?
A portfolio is simply a tool.
The retirement plan is the destination.
Too many physicians spend decades focused on the tool without ever defining the destination.
The result is predictable.
The portfolio grows.
The physician keeps working.
And eventually uncertainty becomes the deciding factor.
Not necessity.
Uncertainty.
One of the most common conversations I have with physicians sounds something like this:
"I think I can retire. I'm just not sure."
That uncertainty is often a planning problem rather than a money problem.
A well-constructed retirement plan should reduce uncertainty.
It should tell you whether you're on track.
It should identify potential gaps.
And it should help answer the most important question:
Can I retire when I want to?
Can Physicians Retire at Age 55?
Many physicians would love to retire at 55.
Whether they openly admit it is another matter.
For some physicians, retirement at 55 represents freedom.
For others, it represents flexibility.
For many, it simply represents choice.
The ability to practice medicine because they want to rather than because they need to.
The good news is that retiring at 55 is often achievable.
The challenge is that medicine creates a unique timeline.
Most professionals begin earning meaningful income in their early twenties.
Physicians often spend much of their twenties and part of their thirties in training.
That means fewer years to accumulate assets before retirement.
The math can still work.
But it requires intentionality.
The physicians I see retire successfully at 55 generally have several things in common.
They save aggressively during their attending years.
They avoid excessive lifestyle inflation.
They maintain a clear retirement target.
They pay attention to taxes and fees.
And perhaps most importantly, they know what they're aiming for.
Retirement at 55 rarely happens accidentally.
It usually happens because someone spent years building toward it.
Interestingly, many physicians who initially tell me they want to retire at 55 aren't necessarily looking to stop working altogether.
What they really want is optionality.
They want the ability to practice medicine because they enjoy it, not because they need the paycheck.
That's an important distinction.
Financial independence often arrives before full retirement.
I've seen physicians reduce their schedules, eliminate call responsibilities, transition into teaching roles, pursue consulting opportunities, or simply gain the freedom to say "no" to work they no longer enjoy.
For many physicians, that's the real goal.
Not necessarily retiring from medicine. Retiring from obligation.
One additional challenge deserves mention.
A physician retiring at 55 faces a longer retirement period than someone retiring at 65.
That creates additional planning considerations.
Healthcare.
Withdrawal strategies.
Portfolio sustainability.
Tax planning.
Social Security timing.
All become more important.
The earlier the retirement goal, the more important comprehensive planning becomes.
The encouraging news is that physicians generally have the income and earning power to make early retirement realistic.
The key is creating a plan that supports that goal while there is still enough time to act on it.
Can Physicians Retire at Age 60?
For many physicians, age 60 represents a sweet spot.
It provides additional years of accumulation while still allowing physicians to enjoy a substantial retirement period.
In many cases, the difference between retiring at 55 and retiring at 60 is larger than it appears.
Those additional years often provide:
- More retirement savings
- Additional portfolio growth
- Greater confidence
- More flexibility around healthcare planning
- Less pressure on withdrawal rates
What I find interesting is that many physicians who initially target age 55 eventually discover that age 60 may provide a lifestyle they find equally attractive with considerably more financial flexibility.
That doesn't mean one age is better than another.
It means the plan should determine the answer.
Not a generic retirement age.
One of the most common reasons physicians continue working beyond their target retirement date is uncertainty.
Not because they necessarily need more money.
Because they don't know whether they have enough.
Confidence matters.
Retirement planning isn't simply about reaching a number.
It's about knowing that the number works.
In practice, I've found that many physicians become significantly more comfortable with retirement once they can clearly see how the numbers work.
Often the challenge isn't insufficient assets.
It's insufficient confidence.
They've spent decades accumulating wealth, but no one has ever connected the pieces together in a way that answers the question they're really asking:
"Can I actually do this?"
Once physicians understand how retirement income, taxes, healthcare costs, portfolio withdrawals, and spending expectations fit together, retirement starts feeling less like a leap and more like a decision.
That's where planning creates value.
Not by predicting the future.
By helping reduce uncertainty.
The Identity Problem No One Talks About
There's a dimension of physician retirement that has nothing to do with money.
And in many cases, it's the harder challenge.
Medicine is not simply a career.
For most physicians, it becomes part of who they are.
You've spent decades training.
Decades caring for patients.
Decades introducing yourself as a physician.
When someone asks what you do, you've had the same answer for most of your adult life.
Eventually retirement creates a different question.
Who are you when you're no longer practicing medicine?
I've seen physicians who were financially prepared to retire years before they actually retired.
The money wasn't the issue.
The transition was.
They hadn't yet figured out what came next.
How would they spend their time?
Where would they find purpose?
What would replace the structure, meaning, and relationships medicine had provided for decades?
This is one reason retirement planning should never be viewed exclusively as a financial exercise.
The physicians who retire most successfully generally spend time planning for both dimensions.
The financial transition.
And the personal transition.
In many cases, the second one takes longer.
Retirement works best when you're retiring to something, not simply retiring from something.
That might be travel.
Family.
Teaching.
Volunteering.
A second career.
A hobby that never had room to grow during a demanding medical career.
The specifics differ.
The principle remains the same.
Financial readiness matters.
Personal readiness matters too.
And the physicians who address both are often the ones who retire with the greatest confidence and satisfaction.
What Retiring on Your Terms Actually Requires
After years of working with physicians, I've come to believe that retiring on your terms requires three things working together.
Not one.
Not two.
All three.
Most physicians have one or two of them.
The physicians who retire when they want usually have all three.
1. A Specific Number Tied to a Specific Lifestyle
One of the biggest misconceptions in retirement planning is that retirement starts with a portfolio target.
It doesn't.
Retirement starts with a lifestyle.
What does retirement actually look like?
Where do you live?
How often do you travel?
Do you maintain two homes?
Do you continue consulting?
Do you support adult children?
Do you give to charity?
What does healthcare cost before Medicare?
Without answers to those questions, retirement planning becomes guesswork.
The physicians who retire confidently usually have a clear picture of what they're trying to fund.
That clarity allows them to work backward and determine the portfolio needed to support that lifestyle.
Everything else flows from there.
2. A Plan Built Around Your Timeline
A physician who wants to retire at 58 needs a different plan than one who intends to practice until 68.
The differences are substantial.
Contribution strategies change.
Healthcare planning changes.
Withdrawal strategies change.
Social Security decisions change.
Tax planning opportunities change.
Unfortunately, many financial plans are built around a generic retirement age rather than the physician's actual goals.
The result is a plan that may technically work but doesn't necessarily support the life the physician wants.
The timeline matters.
Retirement planning should begin with your desired retirement date and work backward from there.
Not the other way around.
3. Regular Progress Checks
One of the most common questions I ask physicians is:
"When was the last time someone showed you whether you're actually on track to retire when you want?"
Not whether your portfolio performed well.
Not whether your accounts were rebalanced.
Not whether the market was up or down.
Whether you're actually on track.
Those are very different conversations.
Investment reporting tells you what happened.
Retirement planning tells you whether you're moving toward your goal.
The physicians who retire on their terms usually spend years making small course corrections rather than waiting for a major problem to develop.
Small adjustments made early are far easier than large adjustments made late.
The Physician Retirement Readiness Test™
After years of working with physicians, I've found that most retirement conversations eventually arrive at the same question:
"Am I actually on track?"
Not:
- How did the market do last year?
- What's my account balance?
- Should I own more stocks or bonds?
Those are important questions, but they're not the most important question.
The real question is whether today's financial decisions are moving you toward the retirement you actually want.
That's why I developed what I call the Physician Retirement Readiness Test™.
It isn't designed to measure investment performance.
It's designed to measure progress.
Most physicians don't need another spreadsheet. They don't need a more complicated investment strategy. They need clarity.
They need confidence that the work they're doing today is actually moving them toward the life they want tomorrow.
The test consists of five simple questions.
Question #1: What Is Your Target Retirement Age?
This sounds obvious.
It's not.
Many physicians say things like:
"Sometime in my early sixties."
"Maybe 60."
"Probably around 62."
Those aren't retirement plans.
They're estimates.
A retirement target should be specific.
Not because life always follows the plan.
Because planning requires a destination.
The closer you get to retirement, the more important that destination becomes.
Question #2: How Much Do You Expect to Spend in Retirement?
This is where retirement planning becomes personal.
Not every physician wants the same retirement.
Some want extensive travel.
Some want a quiet life near grandchildren.
Some want a second home.
Some want to continue consulting.
The goal isn't to compare retirement lifestyles.
The goal is to understand what yours costs.
Retirement spending drives everything else.
Question #3: What Portfolio Value Is Required to Support That Lifestyle?
Once retirement spending is defined, we can begin answering the next question.
What level of assets is required?
This is where planning becomes math.
But notice that the math comes after the lifestyle discussion.
Not before it.
Too many retirement plans begin with the portfolio.
The better plans begin with the life.
Question #4: Are You Projected to Reach That Number by Your Desired Retirement Date?
This is the question many physicians have never actually answered.
They know their current assets.
They know their current savings rate.
But they've never connected the two to a specific retirement objective.
Without that connection, it's impossible to know whether you're on track.
The answer may be yes.
The answer may be no.
Either way, clarity is valuable.
Question #5: What Happens If You're Not?
This is where retirement planning becomes actionable.
If you're behind schedule, what changes?
Do you save more?
Adjust spending?
Work longer?
Optimize taxes?
Reduce fees?
Most retirement problems become manageable when identified early enough.
The challenge is that many physicians don't discover the problem until retirement is already approaching.
A Ten-Year Retirement Planning Checklist for Physicians
The decade before retirement is one of the most important planning periods in a physician's financial life.
There is still enough time to make meaningful adjustments.
Ten years before retirement, physicians should consider:
- Defining a target retirement date.
- Clarifying expected retirement spending.
- Reviewing investment risk levels.
- Stress-testing retirement income projections.
- Exploring tax planning opportunities.
- Evaluating practice succession plans.
- Reviewing estate planning documents.
- Assessing long-term healthcare considerations.
- Evaluating charitable giving goals.
- Identifying any gaps between current progress and retirement objectives.
- Start building out the activities/hobbies for the coming retirement lifestyle.
This is often the stage where physicians move from accumulation to intentional retirement planning.
A Five-Year Retirement Planning Checklist for Physicians
Five years before retirement, the conversation changes.
The focus shifts from building assets to creating retirement income.
Important planning priorities include:
- Developing a retirement income strategy.
- Reviewing Social Security timing options.
- Stress-testing spending assumptions.
- Evaluating healthcare coverage before Medicare.
- Reviewing withdrawal strategies.
- Updating estate planning documents.
- Reassessing portfolio risk.
- Evaluating tax-efficient withdrawal opportunities.
- Confirming retirement lifestyle goals.
At this stage, the question is no longer:
"How much can I accumulate?"
The question becomes:
"How do I turn what I've accumulated into the life I want?"
That transition is one of the most important shifts in retirement planning.
And it's where many physicians benefit from objective guidance.
Frequently Asked Questions About Physician Retirement Planning
One of the benefits of working almost exclusively with physicians is that many of the same retirement questions come up repeatedly.
Here are some of the most common.
Is retirement planning different for physicians than for other professionals?
Yes.
Physicians often face delayed earnings due to extended training, significant student debt, complex compensation structures, practice ownership considerations, higher lifetime income, and unique retirement expectations.
As a result, physician retirement planning frequently requires strategies that differ from those used for other professionals.
How much money does a physician need to retire?
There is no universal number.
The right retirement portfolio depends on your desired retirement age, spending goals, healthcare costs, tax situation, travel plans, charitable goals, family considerations, and lifestyle expectations.
The better question is not:
"How much money do I need?"
It's:
"What kind of life am I trying to fund?"
Once that answer becomes clear, the retirement number becomes much easier to calculate.
Can physicians retire at age 55?
Many can.
Some do.
But retirement at 55 typically requires intentional planning, strong savings habits, attention to taxes and fees, and a clear understanding of retirement spending needs.
The earlier the retirement target, the more important comprehensive planning becomes.
For many physicians, financial independence arrives before full retirement.
That creates flexibility and choice long before traditional retirement age.
Is age 60 a realistic retirement age for physicians?
For many physicians, yes.
Age 60 often provides a balance between continued asset accumulation and a lengthy retirement period.
The key question is not whether age 60 is realistic for physicians in general.
The key question is whether it is realistic for you.
That answer depends on your specific circumstances, goals, and planning decisions.
What is the biggest mistake physicians make when planning for retirement?
In my experience, the most common mistake is focusing on portfolio growth without defining the retirement outcome the portfolio is supposed to support.
Many physicians spend years accumulating assets without ever creating a clear roadmap from where they are today to the retirement they want tomorrow.
Retirement planning is ultimately about building a life, not simply building a portfolio.
When should physicians start retirement planning?
Ideally, during the first few years as an attending physician.
The earlier retirement planning begins, the more options physicians typically have later.
That doesn't mean physicians who start later are doomed.
Far from it.
But time is one of the most powerful tools in retirement planning.
The earlier a physician begins using it intentionally, the better.
Should physicians pay off their mortgage before retirement?
There is no universal answer.
Some physicians value the certainty and simplicity of entering retirement debt-free.
Others prefer maintaining a low-interest mortgage while preserving investment assets.
The right decision depends on cash flow needs, interest rates, tax considerations, investment opportunities, and personal preferences.
How does healthcare affect physician retirement planning?
Healthcare is often one of the largest retirement expenses, particularly for physicians who retire before Medicare eligibility.
A comprehensive retirement plan should include a strategy for bridging the years between retirement and Medicare, as well as planning for long-term healthcare costs later in retirement.
What role does tax planning play in retirement?
A significant one.
Retirement planning is not simply about how much you accumulate.
It's also about how much you keep.
Strategic tax planning before and during retirement can help improve retirement cash flow, reduce unnecessary tax burdens, and increase the longevity of retirement assets.
How do I know if I'm actually on track?
That's ultimately the question most physicians want answered.
Knowing your account balance isn't enough.
Knowing your investment performance isn't enough.
The real question is whether your current trajectory is likely to support the retirement lifestyle you want on the timeline you prefer.
A comprehensive retirement plan should answer that question with clarity.
The Question I Encourage Every Physician to Ask
Before making any retirement decision, I often encourage physicians to ask themselves a simple question:
If I woke up tomorrow with complete confidence that I could retire whenever I wanted, would I keep practicing medicine exactly the way I am today?
The answer is often revealing.
For some physicians, the answer is yes.
They genuinely enjoy the work, the patient relationships, and the sense of purpose medicine provides.
For others, the answer is more nuanced.
They might continue practicing but reduce their schedule.
They might give up administrative responsibilities.
They might stop taking call.
They might transition into teaching, mentoring, consulting, or volunteer work.
And some realize they would retire entirely.
Whatever the answer, it often provides clarity about what retirement actually means.
Because retirement isn't always about stopping work.
Sometimes it's about gaining the freedom to choose the work you do and the life you want.
That's ultimately what a good retirement plan should provide.
The Bottom Line
Most physicians retire later than they originally planned.
Not because they lack intelligence.
Not because they lack income.
And often not because they lack enough money.
More often, they lack a clear roadmap connecting today's financial decisions to tomorrow's retirement goals.
The physicians who retire on their terms tend to share several common characteristics.
They define what retirement actually looks like.
They understand how much that lifestyle costs.
They build a plan around a specific timeline.
They pay attention to taxes and fees.
And they regularly measure progress.
Most importantly, they know what they're working toward.
You've already spent decades building the income.
The next challenge is converting that income into the life you want.
Retirement isn't ultimately about reaching a number.
It's about creating freedom.
Freedom to spend your time the way you choose.
Freedom to continue practicing medicine if you enjoy it.
Freedom to stop if you don't.
And freedom to make those decisions on your terms rather than someone else's.
Ready to Find Out Whether You're On Track?
One of the most common comments I hear from physicians is:
"I think I'm doing okay. I just don't know if I'm actually on track."
That's a reasonable concern.
Retirement planning isn't about guessing.
And it shouldn't depend on hope.
A good retirement plan should provide clarity about where you stand today, where you're headed, and what adjustments may be necessary to reach your goals.
If you're within ten years of retirement—or simply want a clearer understanding of whether your current strategy supports the future you envision—I'd be happy to have a conversation.
No sales pitch.
No pressure.
Just an opportunity to discuss where you are, where you'd like to be, and whether the path you're on is likely to get you there.
You can schedule a conversation through Forward Thinking Wealth Management at forwardthinkingwm.com.
About the Author
Dan Johnson, CFP®, EA, is the founder of Forward Thinking Wealth Management, an independent Registered Investment Advisor based in Akron, Ohio.
He works with physicians across the country, helping them align their financial decisions with the retirement and lifestyle goals that matter most to them.
Forward Thinking Wealth Management operates on a flat-fee model designed to reduce conflicts of interest and keep the focus where it belongs: helping clients make thoughtful financial decisions with confidence.
To learn more, visit forwardthinkingwm.com.