Broker Check

Serving Medical professionals

Creating a plan today can help achieve your dreams tomorrow. 

If you’re like most medical professionals, your primary focus is taking care of others, leaving little time to take care of your own financial health It’s critically important to make time to start planning for your future. This requires identifying your needs and goals and developing a plan to achieve those goals. Once you have a solid plan in place, it’s just as important to monitor it regularly.

Our Mission Statement

We strive to keep medicine the way it should be: between the patient and the medical professional. We do this by supporting and partnering with closely held and individually owned medical practices, physicians, and their key employees. Our strategies keep them financially healthy and medically focused while allowing them to attract and retain the best talent. The result of our partnership is a win for the patients, employees, and physicians.


As advocates, we often serve as the voice of the voiceless. With this responsibility, our strategies are critical as they may echo for generations to come.  This impact will likely be felt by our clients’ families and business associates. We are so passionate about what we do that we would like to see you enact the strategies we create together… even if it’s not with us, because we know it will help improve your financial wellbeing.

Our Process

We work to support medical professionals, enhance effectiveness and boost efficiency while not increasing risk. We do this by employing sound economic principles, a unique discovery process quality financial products and services and sophisticated financial modeling software.


Morality, honesty, reliability, and truth are the basis for who and what we are. Bringing this sense of honor to the medical community is our duty and privilege. Additionally, it drives home the obligation we have to your family, colleagues, patients, and ultimately to you.

Commitment to Excellence

Experience. Process. Advocacy. Integrity.  These attributes make 21st Century Financial the advisers of choice and the strategic partners you need. Our number one priority is increasing your success, impact, influence, and growth… everything we do is about and for you.

Start Early to Go Further in Life

There’s no question that the earlier you start planning and saving, the better prepared you’ll be. But as a medical professional, you face added challenges. These challenges include a shorter overall earning period, resulting from the time spent on education and training, as well as starting your career with a large amount of debt coupled with an initial lower starting salary. In addition, delayed retirement savings means missing out on the benefits of compound interest. As you create your plan, keep in mind these financial focus areas:


Your income is often your most valuable asset. Protect yourself and those depending on you with disability, life and long-term care insurance. You may have some coverage through work, but that often isn’t enough.

Wealth Accumulation

To meet your goals, start early and save often. That’s great advice but for medical professionals with large debt, the immediate focus is often to repay outstanding loans rather than invest. It’s important to focus on smart budgeting along with disciplined savings to make the most of your income.

Retirement Planning

Retirement may be far off, but it’s important to prepare now. Many medical professionals face a potential retirement income shortfall. The maximum social security benefits along with the maximum IRS contribution limits on retirement plans replaces a smaller percentage of income for high earners. That’s why it’s important to explore other retirement savings vehicles.

Estate Planning

Estate planning is not only for the very wealthy. It’s also important for medical professionals who have individual practices or are part of a group practice and have a significant amount of business assets.

Business Planning

Many medical professionals are also business owners who are busy running a thriving practice. Between seeing patients, managing staff and handling never-ending paperwork, it’s easy to put off critical financial planning** that could help you and your practice.

Services For Medical Professionals

• Wealth Accumulation: Mutual Funds*, Stocks/Bonds*, Annuities and Life Insurance*

• Retirement: IRAs, Employer Plans, Fixed and Variable Annuities*, Mutual Funds*

• Estate Planning: Financial Security, Long-Term Liquidity and Peace of Mind

• Education Funding: Tax-Advantaged Investment Programs for Parents and Grandparents*

• Business: Small Business and Large Corporate Continuation Planning, Key Employee Retention