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                                            FOR RESIDENTS AND FELLOWS


                                            Does it make sense for you to pay off your medical school loans or save more for retirement? Should you refinance your mortgage or finance a college education for your children? We will help you make the right decisions based on your individual circumstances. We’ll help determine whether consolidation or income-based repayment are options for you and if you’re eligible for loan forgiveness or repayment programs. We help residents and fellows prioritize finances and manage their overall debt load.

                                            Retirement Planning

                                            As a physician, you are well aware that people are living longer, more active lives. It makes sense to start as early as possible to plan, save, and invest for retirement. However, while most people start working in their early 20s and start saving in a 401(k) or Roth IRA in their 30s, you as a doctor may have missed out on 10 years of retirement savings, and you'll need to catch up. Even if you are still struggling to pay off your medical school loans or are wondering where the money will come from to send your own children to college, retirement planning is important. Let us help you find the ideal retirement plan so you can maintain your existing lifestyle and still have a solid nest egg for when you retire.

                                            Tax Planning Strategies

                                            A well-balanced financial plan considers income taxes now, taxes on investments as they grow and how taxes will affect the withdrawal of the asset. We can help you build a comprehensive financial plan that takes into account what your income taxes are now, what they may be on investments down the line, and how and at what point you will be able to withdraw those funds when you need them. We can help you look for possible tax savings so that you can save that money for your kids when they need it, donate the funds to a charity of your choice or a large purchase.

                                            Debt Management

                                            Long-term wealth management starts with early management of medical school loans. We can assist you with the insight and analysis necessary to ensure wise decisions are made regarding the repayment of your loans. Our goal is to deliver best practices for managing debt in order to help fast-track improving your overall financial net worth.

                                            Asset Protection

                                            Success requires not only the successful accumulation of assets, but also the protection of assets accumulated over a career. Physicians can no longer depend entirely on medical malpractice insurance to cover them personally and must start self protecting themselves and their families. We can help you protect your wealth, savings, real estate and investments, along with future income.

                                            Education Planning

                                            Aside from retirement, saving for a child’s college education is one of the biggest expenses a physician encounters. The skyrocketing cost of education makes it increasingly important to start planning for your children's education early, and to determine the best vehicles for your investment. And with college savings vehicles multiplying all the time, and changing tax laws, the landscape of college education funding can be perplexing. This is why planning now will give you the utmost in flexibility down the road.

                                            Charitable Planning

                                            Charitable giving can fulfill your legacy of helping people and organizations that are important to you. Properly designed philanthropy plans can also provide significant tax saving opportunities. Your personal and financial goals will determine the extent of any charitable giving plan and the tax benefits your plan can produce. We help clients make charitable gifts in the most tax-efficient manner.

                                            Employee Benefits

                                            You owe it to your practice to invest just as much work and care in retaining quality staff members, as you do hiring new ones. One way to do that is to offer a competitive compensation and benefits package. Many practices can't offer significant raises or bonuses, but what you can do is find out what is meaningful to your staff in terms of health insurance, time off and more, and then make it happen. We can help you coordinate your benefits to best meet the needs of everyone involved. This leads to a longer life span of your staff, with employees who stay with you for many years. Please contact our office to custom tailor your group benefits program. We possess extensive knowledge of the Employee Benefits industry and will coordinate with our affiliates to offer more:

                                            • Group and Individual Health Plans

                                            • Dental

                                            • Vision

                                            • 401(k)

                                            • Employer Paid Benefits and Voluntary Benefits

                                            • Short- and Long-Term Disability

                                            • Life Insurance

                                            • Long-Term Care

                                            *We can provide the following insurance products through our relationships with other insurance companies. Please note that some of these products are not available through New York Life and are subject to state approval in the states you are domiciled or reside.

                                            Disclosure

                                            Joseph Brida is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CA (CA Insurance License #0D15936), CT, FL, GA, MD, NC, NJ, NY, PA, RI, SC, TX, and VA. No insurance business may be conducted outside the states referenced.

                                            As a New York Life Agent, Joseph Brida is licensed and authorized to offer insurance in California, but Wealth Conservation Group, Inc. may not be. For additional information on California licensure status, please click here.

                                            Joseph Brida is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 520 Broadhollow Rd, Melville, NY, 11747, 631-391-2915. In this regard, this communication is strictly intended for individuals residing in the states of CA, CT, FL, GA, NC, NJ, NY, PA, RI, SC, and VA. No offers may be made or accepted from any resident outside the specific states referenced.

                                            Joseph Brida is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, CT, FL, GA, NC, NJ, NY, PA, RI, SC, and VA. As such, these services are strictly intended for individuals residing in the states referenced.

                                            Joseph Brida is a Member Agent of The Nautilus Group®, a service of New York Life Insurance Company.

                                            The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                                            Paul La Cava is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CT, FL, GA, IL, MA, NC, NJ, NY, PA, SC, and VA. No insurance business may be conducted outside the states referenced.

                                            Paul La Cava is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 520 Broadhollow Rd, Melville, NY, 11747, 631-391-2911. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CT, DE, FL, GA, NC, NJ, NY, PA, and VA. No offers may be made or accepted from any resident outside the specific states referenced.

                                            Paul La Cava is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, CT, DE, FL, GA, NC, NJ, NY, PA, and VA. As such, these services are strictly intended for individuals residing in the states referenced.

                                            Mark Heinemann is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CT, DC, FL, IL, MA, MD, ME, MN, NC, NJ, NM, NY, OH, PA, and SC. No insurance business may be conducted outside the states referenced.

                                            Mark Heinemann is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 520 Broadhollow Rd, Melville, NY, 11747, 631-391-2991. In this regard, this communication is strictly intended for individuals residing in the states of CT, DC, FL, GA, IL, MA, MD, NC, NJ, NY, and SC. No offers may be made or accepted from any resident outside the specific states referenced.

                                            Mark Heinemann is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CT, DC, FL, GA, IL, MA, MD, NC, NJ, NY, and SC. As such, these services are strictly intended for individuals residing in the states referenced.

                                            Keith Macpherson is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CT, FL, HI, NC, NJ, NY, and SC. No insurance business may be conducted outside the states referenced.

                                            Keith Macpherson is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 520 Broadhollow Rd, Melville, NY, 11747, 631-391-5883. In this regard, this communication is strictly intended for individuals residing in the states of CT, FL, NC, NJ, NY, and OH. No offers may be made or accepted from any resident outside the specific states referenced.

                                            Keith Macpherson is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CT, FL, NC, NJ, NY, and OH. As such, these services are strictly intended for individuals residing in the states referenced.

                                            Drew Schmidt is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CO, CT, DE, FL, MA, NC, NJ, NY, PA, SC, TX, and VA. No insurance business may be conducted outside the states referenced.

                                            Drew Schmidt is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 520 Broadhollow Rd, Melville, NY, 11747. In this regard, this communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, MA, MD, ME, MN, NC, NH, NJ, NY, OR, PA, SC, TX, and VA. No offers may be made or accepted from any resident outside the specific states referenced.

                                            Drew Schmidt is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, CO, CT, DC, DE, FL, GA, MA, MD, ME, MN, NC, NH, NJ, NY, OR, PA, SC, TX, and VA. As such, these services are strictly intended for individuals residing in the states referenced.

                                            Wealth Conservation Group, Inc. is not owned or operated by NYLIFE Securities LLC or its affiliates.​

                                            Neither Wealth Conservation Group, Inc. nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​

                                            For more information about NYLIFE Securities LLC and its investment professionals.

                                            Click here
                                            WCG logo color
                                            • WHO WE ARE
                                              • Our Team
                                                • Our Designations
                                                  • Our Alliances
                                                  • WHAT WE DO
                                                    • Our Process
                                                      • Clients We Serve
                                                      • AREAS OF EXPERTISE
                                                        • Wealth Management
                                                          • Personal Planning
                                                            • Business Strategies
                                                              • Solutions for Physicians
                                                                • Financial Planning
                                                                  • Employee Benefits
                                                                    • Business Exit Planning
                                                                    • CLIENT EDUCATION
                                                                      • Combined Video Library
                                                                        • About The Nautilus Group
                                                                          • Concepts and Strategies
                                                                          • CONTACT US
                                                                            • CLIENT LOGIN
                                                                              • Personal Planning Dashboard
                                                                                • American Funds
                                                                                  • Mainstay Funds
                                                                                    • Eagle Strategies/NYLIFE Securities
                                                                                      • New York Life

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