We offer financial planning, investment planning and fulfillment-focused services to enable you to live your life more fully. We focus on the areas below, handling the details for you. Please hover over the titles below to learn more.

Medical School

Borrow at lowest rate possible

Explore scholarship and grant opportunities

Keep living expenses lowThe less you spend now, the less you’ll have to repay later.

Residency

Keep living expenses low

Begin to pay off high interest loans, if possible

Early Doctor

​​Purchase additional disability and life insuranceEspecially when their earning potential is high and their work time horizon is long, doctors should personally purchase additional disability and life insurance.

Pay off high interest debt firstAgili can help evaluate debt and develop a debt reduction plan.

Establish emergency fundEstablish an emergency fund of at least three to six months of expenses.

Pay down lower interest medical school debt while contributing to retirement accounts.Paying down education debt and saving for retirement can be accomplished simultaneously.

Wealth-Building Years

Save 15-20% of incomeBecause they start saving later than most, doctors may need to save a higher percentage of income.

 

​​Employer tax-deferred retirement accounts.Agili can advise you about how much to save – but save at least to your employer match.

HSAsContributions are pre-tax, growth is tax deferred and distributions are tax free (if used for medical expenses).

Backdoor Roth IRAsMake non-deductible traditional IRA contributions and then convert to a Roth IRA.

Taxable brokerage accountsA great way to build up taxable investments!

Alternative investmentsConsider investing in an ambulatory surgical center (ASC) or purchasing a medical office building.

Cash balance plansHigher contribution limits enable partners in medical practices to accelerate retirement savings.

College savings 529sAgili recommends saving for college through these federally tax-exempt savings vehicles.

Save for Later

Want a little reminder as you move along your path? We’ve made a PDF version available so you’ll always have it handy.

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