Retirement Plans

Retirement Plans

Retirement planning for physicians requires an entirely different strategy than what is used by most working people. Most people enter the workforce in their early twenties or before and start contributing to their 401(k), Roth IRA or other retirement savings vehicles. Their money has over a decade longer to reap the benefits of compound interest than the average physician, who will begin their career in their thirties with med school debt and no retirement nest egg. We assist physicians in finding the right retirement vehicles to catch up and then save enough to continue their desired lifestyle.

Retirement plans have been a key component of people’s savings since they were created.  Their tax treatment have incentivized and encouraged owners and participants to accumulate significant sums for the future.  In most states, retirement plan accounts also receive significant protection from potential creditors and predators making they even more valuable in certain situations.

However, the design options, level of complexity, risk and requirements for plans have significantly increased over the past couple of years.  These potential issues have many owners looking for help, guidance and support.  Mistakes can be costly whether it is in the form of fees, lost return, inefficient structure or regulatory oversight.

M3 Advisors is a leading independent retirement plan consulting firm.  Part of our service mandate is helping you, as the plan sponsor, integrate and efficiently manage all of your plan’s moving parts.  Your plan custodian, record keeper and third party administrator should be team members assisting with the management and integration of your plan goals and investment menu.  We can help make sure this happens.

Fee-Based Planning offered through M3 Advisors, a State Registered Investment Advisor. Third Party Money Management offered through ValMark Advisers, Inc., an SEC Registered Investment Advisor. Securities Offered through ValMark Securities, Inc. Member FINRA, SIPC, 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431*, 1-800-765-5201. Martin Financial Group, LLC and M3 Advisors are separate entities from ValMark Securities, Inc. and ValMark Advisers, Inc.

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