Capital Advisors Wealth Management, LLC provides Wealth Management and Advisory Services to physicians and their families as well as their practices. Our Wealth Management and Advisory Services are tailored to meet the specialized needs of physicians and their practices. These services include but are not limited to the following:

  • Comprehensive Financial Planning
  • Investment and Portfolio Management
  • Investment Consulting
  • Retirement Plan Accumulation Planning
  • Retirement Plan Distribution Planning
  • Tax Planning and Preparation
  • Estate Planning, Trust Services, and Philanthropic Planning

Furthermore, we provide the physicians practices with Retirement Plan Services.
These services include but are not limited to:

  • Plan Establishment and Consulting
  • Investment Policy Statement Development and/or Review
  • Investment and Portfolio Management
  • Investment Consulting
  • Investment Education Workshops
  • Plan Audits and Plan Administration

CAWM also offers business consulting services to physicians who are shareholders or partners in other practices. With CAWM Strategic Alliance Network with other professionals as well as our own experience in servicing physicians and their practices throughout the years, we are able to offer these specialized services to help ease the administrative burden of their practice. Services include but are not limited to:

  • Employee Benefits Services
  • Insurance Plan Benefits and Services
  • Personal Financial Planning Services for Physician Owners and Key Employees
  • Analysis and/or creation of Physician and/or Key Person Compensation Benefit Arrangements
  • Legal Documentation and Requirements
  • Medical Practice Continuity/Succession Planning
  • Business Entity and Structure Analysis
  • Financial Planning Workshops for Staff Employees


We provide a number of services to individual physicians and/or physician practices as well as employees who are key to the success of their practice. For employers, these services can be provided to doctor employers in their entirety or on a selective basis. When necessary, we will confer with our Strategic Alliance Network to ensure we deliver the highest quality advice and services to our clients. The services are as follows:

Comprehensive Financial Planning Services:
We develop a comprehensive personal financial plan for each individual physician or key employee that a practice designates. The process begins with each client completing an extensive data questionnaire and delivering all relevant financial documents for us to analyze. The areas addressed in the service are as follows:

  • Preparation of financial statements including, federal and state income tax projections
  • Development of Investment Strategies, including hedging and tax-sensitive strategies
  • Retirement planning as well as accumulation and distribution strategization
  • Estate tax reduction analysis and philanthropic decision-making
  • Tax Strategy Optimization, including providing alternative financial and legal structures
  • Insurance Benefits and Planning
  • Trust Services through one of our independent trust company strategic alliances, if applicable
  • Risk Management/Asset Protection, including analysis of all insurance coverage
  • Survivor needs analysis
  • Basic finance issues, such as debt structure, liquidity and cash flow issues
  • Education funding

As part of the financial planning process, we develop specific recommendations addressing each of the above-listed areas. During the first part of the process, we will meet with the physician several times to review the complexity of the issues. Each meeting will vary in length however, we understand that the physicians time is critical so we will do our best to keep these meetings within the time allotment.

Once the recommendations are made, we will assist in the implementation of the recommendations where possible. A few examples include:

  • Sending financial information to attorneys so they can prepare the necessary estate documents, including wills, trusts, powers of attorney, health care proxy, and living wills
  • Sending tax information to accountants, such as bonus payments and gain and loss information on the sale of securities, etc., in order to prepare the tax return and make appropriate estimated tax payments
  • Requesting information on the policy status of life insurance and annuity policies on behalf of the client (This information would include such items as death benefits, cash values, surrender charges, beneficiaries, tax basis, investment return, etc.)
  • Requesting the tax basis of securities on behalf of the client
  • Requesting insurance quotes on behalf of the client

Our objective is not necessarily to reduce the complexity of the client`s financial situation, because sometimes it does make sense to utilize trusts and other strategies to reduce taxes and achieve family friendly objectives. Rather, our goal is to save the client the time and the energy that it takes to manage his/her complex situation so that they are free to focus more closely on matters that mean the most to them.

Investment Management and Portfolio Services:
Individual physicians can contract with us or the practice can provide, as an employee benefit to physician and key employees, Investment Management and Portfolio Services. The physician can select one or more investment strategies from our Investment Management and Portfolio Services.

Investment Consulting Services:
Physicians can contract, or the practice can contract with us to consult each doctor and/or key employee on a one-time basis or an ongoing basis about their personal investments. This service will provide consulting services only. We will not implement any investment decisions as this will be the physicians or the employees responsibility.

Estate Planning Document Preparation:
If individual physicians or the practice on behalf of their employees contract with us for its comprehensive financial planning services, they can also be provided with estate document preparation services. Our Strategic Alliance Network can assist with negotiating this arrangement for our clients. Estate documents that could be included in this arrangement are as follows:

  • Wills
  • A/B Trust Arrangements
  • Irrevocable Life Insurance Trusts
  • Revocable (Living) Trusts
  • Residual Trusts
  • Asset Protection Trust (APT)
  • Charitable Remainder Trust (CRT)
  • Charitable Remainder Unitrust (CRUT)
  • Generation-Skipping Transfer Tax Trust (GST Trust)
  • Probate Avoidance Trust
  • Children`s Trust
  • General Powers of Attorney
  • Healthcare Powers of Attorney
  • Living Wills


We offer a myriad of services to physicians and practices concerning retirement plan issues. These services include but are not limited to:

Qualified Retirement Plans:

  • Pension and Profit Sharing
  • 401(K)
  • Money Purchase
  • SEPs
  • Simple IRA
  • 403(B)
  • 457(Governmental)
  • Defined Benefit
  • Defined Contribution
  • Pooled Asset Plans
  • Self Directed

Investment Management Services:
We provide Investment Management and Portfolio Services for all types of retirement plans. We will assess each practice`s unique situation and recommend the retirement plan that is best suited for that practice.

Retirement Plan Establishment and Consulting:
Physician practices can contract with us to establish a retirement plan for their practice. This service includes determination of what type of plan is most appropriate for the practice, selection of an actuarial firm, completion of plan documents, bonding, and selection of investment options. If necessary, we can provide consulting services relating to custodial issues, selection of plan trustees, creation of an Investment Policy Statement and compliance with ERISA. Furthermore, we will conduct on-site meetings to explain the plan to the participants.

Administration of Retirement Plans:
We can assist physician practices in selecting an actuarial firm for retirement plan administration. This service includes all filings for the plan, the annual report, 5500 tax reporting forms, participant statements, actuarial reports and any retirement plan amendments.

Retirement Plan Audits:
Periodically, a physician practice may want its retirement plan to undergo a full-scale audit. Capital Advisors has the capabilities to provide referrals to this service through its Strategic Alliance Network of professionals. Key components of the audit include compliance verification of the plan with the Internal Revenue Service, the Department of Labor and ERISA laws and rulings.

Investment Consulting:
We consult on retirement plans in several primary areas, which are:

  • Selecting individual investments and or the creation of individually-designed investment pools for 401(k) and other self-directed plans
  • Conducting manager searches to replace existing portfolio manager(s) in the retirement plan`s overall allocation
  • Conducting extensive reviews of existing portfolio managers within a retirement plan to determine if their performance is competitive and within the guidelines set by the Investment Policy Statement

Retirement Plan Investment Education Workshops:
Physician practices can contract with us to provide investment education to their retirement plan participants. Covered in the workshops is a historical overview of the investment markets, completion of a risk tolerance questionnaire by each participant, a thorough overview of the retirement plan`s investment options and instruction as to how each participant can build an investment portfolio that meets their financial goals.

Investment Policy Statement Review and/or Development:
We can review a retirement plan`s existing Investment Policy Statement for its compliance with the Employment and Retirement Income and Security Act of 1974 (ERISA) and appropriateness given the trustee`s current desires. If the existing Investment Policy Statement needs rewritten or is non-existent, We will work diligently with its Strategic Alliance Network, if necessary to develop a new Investment Policy Statement that is current with regard to the retirement plan`s investment practices and is also compliant with ERISA.


Comprehensive Financial Planning service is geared to assist clients with stock options in publicly-traded companies or those in the pre-IPO stage. Stock options come in two varieties - Non-qualified and Qualified. Qualified stock options are more commonly known as Incentive Stock Options or ISOs. The rules differ dramatically for both.

We will discuss the rules for the type of stock options clients have and the types of strategies that can be used to maximize their value to those that hold them.


Insurance Analysis:
We will identify all areas where insurance coverage is needed, providing an analysis of existing policies including but not limited to, benefits, coverage`s and cost efficiency. We will make any recommendations that are necessary and in the best interest of the physician or practice. We provide through its brokerage network certain types of coverage`s however, we also work with an extensive network of insurance providers. Insurance coverage`s include, but are not limited to, the following:

  • Group Healthcare, Dental, and Vision Insurance
  • Group Life Insurance
  • Group or Individual Disability Insurance
  • Executive Life Insurance
  • Key Person Life Insurance
  • Buy-Sell Life Insurance
  • Disability Business Overhead Insurance
  • Disability Buy-Sell Insurance
  • Group Long Term Care Insurance
  • Cafeteria Plans
  • Commercial Property and Casualty Insurance
  • Medical Malpractice Insurance
  • Worker`s Compensation Insurance
  • Professional Liability Insurance


Compensation Benefit Arrangements:
A review is provided for all doctor compensation benefit arrangements. These arrangements are reviewed for compliance with federal and state laws, appropriateness and cost effectiveness. Additionally, new benefits are proposed, if suitable. We will coordinate the implementation, which includes:

  • Non-Qualified Deferred Compensation Agreements
  • Personally-Owned Disability and Life Insurance


We offer customized Investment Management and Portfolio Services to individuals and institutions. Investment portfolios are developed to match the client`s return and risk requirements, which are determined by the clients` completion of a Risk Tolerance Questionnaire with the guidance of a advisor. Each type of investment portfolio is managed to achieve both short and long-term investment objectives.


Investment Research:
We do extensive research as to how to structure investment portfolios. Emphasis is placed on developing portfolios that have historically achieved high returns, but with lower than normal risk.

Sources of Current and Historic Worldwide Financial Market and Economic Data include:

  • Investment Newsletters, Newspapers, Periodicals, Research Publications, and Professional Journals

Client Education:
Education is very important to us. We are dedicated to educating each client about the different investment portfolio types and how they relate to market volatility, time horizons, and investment returns. Furthermore, we assist each client in selecting a risk tolerance level with which they are comfortable. Ultimately, an investment portfolio is designed to meet the client`s objectives.


We consult in several different areas. We will confer with our Strategic Alliance Network in certain aspects to ensure that we deliver the highest quality advice to our clients. Our consulting services include, but are not limited to, the following:

Analysis of Forms of Business Entity:
This service includes an analysis of which form of business entity best fits the medical practice being consulted. The different forms include:

  • Sole Proprietorship
  • General Partnership
  • Limited Partnership
  • C Corporation
  • S Corporation
  • Limited Liability Company

Medical Practice Continuity/Succession Planning:
We advises medical practices on continuity issues involving the transition of ownership interests among partners or shareholders. Reviews of buy-sell agreements, funding arrangements and valuation issues, including insurance analysis are conducted. Furthermore, recommendations and assistance with implementation are provided.

Legal Documents and Requirements:

We will employ the expertise of its Strategic Alliance Network of professionals to provides a complete review of legal documents, such as articles of incorporation, shareholder agreements, partnership agreements, employment contracts, non-compete and non-solicitation agreements and corporate by-laws. Board meeting minutes are reviewed to determine if they are in good form, up-to-date and appropriate for the practice`s needs. Should changes need made and/or documents added, we will assist in the arrangement and coordination for their creation and implementation.


We provide a number of different financial education workshops to employees of the physician practices. These workshops are of varying length and content. Most can be tailored to the group being addressed. We also offer Financial Planning Newsletters that are available on a quarterly basis. E-mail newsletters for financial planning as well as investing are available monthly. The workshops available are as follows:

Basic Investing:
We cover a historical overview of the investment markets, completion of a risk tolerance questionnaire by each individual and instruction as to how each individual can build an investment portfolio that meets their financial goals. We do not provide specific investment advice to individuals under this service.

Financial Planning:
Financial planning workshop covers most all of an individual`s financial planning needs. The subject areas covered are as follows:

  • Basic finance issues - saving, emergency reserve funds, debt management
  • Insurance - medical, life insurance, disability, long-term care, homeowners, automobile, personal umbrella liability
  • Tax planning and preparation
  • Education funding
  • Retirement planning
  • Estate planning
  • Investing

Retirement Planning:
This workshop is designed to ensure the financial security of those individuals who desire to retire. The workshop addresses the need to accumulate funds for retirement, the tax laws associated with saving, how much they need, the potential sources of retirement income, the expenses they will incur, the taxation of retirement benefits when they are distributed from retirement plans, pre-59½ and post-70½ distribution penalty taxes, and how to avoid them. Furthermore, the workshop also covers the need for insurance, such as long-term care and Medicare supplement policies during retirement. Finally, the workshop addresses investing during retirement.

Retirement Plan Distribution Planning:
This workshop is for individuals who are retired or are within ten years of retirement. It discusses the rules for distributions from IRAs, Roth IRAs and other retirement plans. The workshop reviews income taxation, penalties and how to avoid them. A comprehensive discussion of IRA rollovers, IRA transfers and Roth IRA conversions, in-service distributions and plan borrowing laws will also be presented. The workshop will cover beneficiary issues as to how to minimize income taxation to heirs and how to set up heirs for their own retirements.


CAWM offers referrals through its Strategic Alliance Network for tax planning and preparation services to physicians and/or the practices.

Tax Planning and Preparation Services:
The areas of service include, but are not limited to, the following:

  • Personal federal, state and local income tax preparation
  • Calculation of federal, state and local estimated quarterly income tax payments
  • Securities cost (tax) basis calculations
  • Audit Management