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As comprehensive advisers, we work with chiropractors and their families to create customized financial plans.

A comprehensive plan brings clarity to the practice and addresses its needs and goals.  By building a relationship with our clients, we are committed to helping them meet and exceed their business and financial goals.

Areas of Specialization

Chiropractic Practice

Basic Group Benefits

  • Medical & Dental
  • Section 125 Plans Cafeteria Plans
  • Group Life & Disability
  • 401k, SEP & Simple IRA’s
  • Profit Sharing Plans

Basic Business Planning

  • Key Employee Protection and Retention
  • Business Continuation and Exit Strategies
  • Buy/Sell Agreement Funding Options
  • Practice Overview

Advanced Payroll Benefits

  • Payroll Deduction 529 College Savings Plans*
  • Group Long Term Care

Advanced Retirement Plans

  • Plans designed to attract and retain Key Employees
  • Pension Plans
  • Combo Plans
  • Non-Qualified Retirement Programs
  • Salary Reduction and Salary Continuation Plans
  • Benefit Plans for Highly Compensated Employees
  • Executive Bonus Plans
  • Deferred Compensation

Value-Added to the Staff

  • Access to Comprehensive Financial Planning
  • Comprehensive Financial Planning Seminars
    • Asset Allocation*
    • College Planning
    • Estate Planning
    • Investments*
    • Protection Planning
    • Retirement Planning


Retirement and Investment Planning*

  • Comprehensive Retirement Report
    • Coordination of Assets & Income Streams
    • Distribution Plan
  • Financial Products
    • Professionally Managed Money
    • Stocks
    • Bonds
    • Mutual Funds
    • ETFs
    • UITs
    • REITs
    • DPPs
    • Annuities

College Planning

  • Cost Projection
  • College Specific
  • Breakdown by Category
    • Tuition
    • Room & Board
    • Books
  • College Specific Financial Products
    • 529 Plans
    • Education IRA’s (Coverdell)

Estate Planning: Conservation and Wealth Transfer

  • Creation of a Plan to Transfer Assets
    • Identifying the Who, How, When and Why
    • Creating Tax Efficiency
  • Coordination with other Professionals
    • CPA
    • Estate Planning Attorney
  • Coordination of Beneficiaries

Personal Insurance

  • Life – Protecting Loved Ones & Ensuring a Legacy
    • Determining the correct amount of insurance
    • Review of types of life insurance
    • Discussion on how this fits into the larger financial plan
  • Disability – Protecting the Income that Drives the Plan
    • Determining the correct amount of insurance
    • Coordination of work and personal policies
  • Long Term Care Insurance – Protecting Dignity & Wealth
    • Overview of Coverage Options
    • Integration with overall plan

Six Obstacles that Chiropractors Face

Not treating your practice like a business.

A chiropractor’s practice is usually their biggest asset, in terms of both value and income. Many chiropractors don’t organize it like a business & will lose focus which result in more stress, earning less, & not being able to do what they do best, helping their patients.

Not having a business continuation plan.

Every practice should have a continuation plan to protect itself from unfortunate events. Most chiropractors haven’t taken time to create one, have a partial, uncompleted plan, or have a plan that is unfunded, making it useless.

No Key Employee Benefits

Employees are important and most are vital for your practice’s health and success. Benefits need to attract quality employees to then motivate, retain & reward them. Most practices have common retirement plans, but extra incentives are important to have stability and protection. Chiropractors are employees too, so solid plans should reward them as well.

Not enough wealth outside of the business.

Small business owners' financial futures are aligned with the success or failure of the business. It is very important to have wealth that is not dependent on the practice. This allows more flexibility and freedom when money is wanted or needed, which also protects the practice.

No comprehensive retirement plan.

Most chiropractors have worked hard their entire life and are looking forward to financial independence in retirement. Unfortunately, some of them wait too long before evaluating their retirement plans to see if they can afford to retire, or they believe their standard plan and social security will be sufficient. For many, the result is a delayed retirement or an income shortfall.

No professional team to help with the mentioned 5 obstacles.

Just recognizing the obstacles does not change anything. Every chiropractor should have a team of various professionals that they trust who are capable of creating and implementing the strategies needed for success.

If you’d like to implement a plan that can benefit both you as the business owner and the professionals you employ, contact us today to speak to an adviser who specializes in the chiropractic industry.

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