Investment Management
Investing built for a physician's financial reality.
Evidence-based portfolios designed and managed for doctors — accounting for your high savings rate, complex account structure, and the long time horizon that comes with starting late and finishing strong.
Our Philosophy
Simple principles. Consistently applied.
The evidence on investing is clear: broad diversification, low costs, tax efficiency, and disciplined rebalancing outperform complex strategies over time. We build portfolios around what works, and resist the temptation of what sounds exciting.
Evidence-Based
We build portfolios grounded in decades of academic research: factor investing, diversification, and the persistent equity risk premium. No market timing. No stock picking. No guessing.
Low Cost
Every basis point in fees is a drag on returns. We use institutional-class index funds and ETFs to keep investment costs as low as possible, typically well under 0.15% annually.
Broadly Diversified
Your portfolio spans domestic and international equities, fixed income, and where appropriate, real assets, giving you exposure to global growth while managing concentration risk.
Tax-Efficient
Asset location, tax-loss harvesting, and Roth conversion strategy are built into how we manage your accounts, not afterthoughts. We coordinate with your CPA every year.
Built for Physician Income
Physicians have high savings rates, lumpy cash flows (especially in training), and a long investment horizon. We build portfolios that account for each stage of your career.
Disciplined Rebalancing
Markets drift your portfolio away from its target allocation. We rebalance systematically, using new contributions where possible and tax-aware asset sales when needed.
Your Custodian
Your investments held at Charles Schwab.
Attend Wealth uses Charles Schwab as our primary custodian. This means your investment accounts, and the assets in them, are held directly in your name at one of the world's most trusted financial institutions. Attend Wealth never has custody of your assets.
- SIPC-protected brokerage accounts
- 24/7 online and mobile access to your accounts
- No account fees for most account types
- Integrated with your financial plan via RightCapital
- Institutional-class fund access through Schwab
Charles Schwab
Primary Investment Custodian
Your advisor manages your portfolio through Schwab's institutional platform. You always have direct access to your account statements, trade confirmations, and account history independent of Attend Wealth.
Account Coverage
Every account, coordinated.
We manage or advise on all of your investment accounts, not just the ones we open. This ensures your asset allocation, tax strategy, and investment selection are consistent across your entire financial picture.
Tax Efficiency
The return you keep matters more than the return you earn.
For a physician in the top marginal tax bracket, tax efficiency can be worth more than picking the right fund. We use asset location, tax-loss harvesting, and Roth conversion planning to minimize your lifetime tax bill, in coordination with your CPA.
Asset Location
Tax-inefficient assets held in tax-advantaged accounts. Tax-efficient assets in taxable accounts.
Tax-Loss Harvesting
We realize losses strategically to offset gains and reduce your taxable income.
Roth Conversion Strategy
We model conversion opportunities every year to reduce your lifetime tax liability.