Comprehensive planning for the wealth you’ve built
You’ve spent time growing your career and your assets. Now it’s time for an approach to financial planning that matches the complexity of your life.
Paul Boyle, FPQP®
Client Service Associate
Your financial life has evolved
Your financial life looks different from it did when you started. Higher income. Competing priorities. Retirement questions that don’t have simple answers.
As your career and income have grown, so has your financial plan. Greater opportunity also means greater risk, making it more important than ever to ensure your portfolio, savings, and goals are working in alignment.
Maybe you’ve been managing things on your own, or perhaps you’re working with an advisor who only reaches out when they want to sell you products. You might have investment accounts, but no real plan tying everything together. It’s worked well enough. But “well enough” might be leaving money on the table.
We work with established pharmacists who have at least $250,000 in investable assets. In many cases, pharmacists well into their careers are in the top 5% of household income, but their net worth doesn’t tell the same story.
Comprehensive planning that meets you where you are
This is about optimizing what you’ve built and making sure you’re positioned well for the next chapter.
Our planning process looks at all areas of your financial life as parts of a whole, not separate pieces. We coordinate everything based on where you are and where you want to go.
Common challenges we address
Are we on track? How much is enough? Will my money last?
Answering these questions lets us define what retirement means to you.
Then, we run the numbers with probability scenarios so you know exactly where you stand.
Higher income means a higher tax bill, but it also means more opportunities to pay your fair share, but no more.
Backdoor Roth conversions. Tax-loss harvesting. Charitable giving strategies. Asset location across multiple account types. Small decisions here add up to significant savings over time.
You’ve moved beyond the basics of your employer’s 401(k). Now you’re managing multiple accounts, wondering about asset allocation, trying to figure out if you’re taking on too much risk or not enough.
We bring clarity to portfolio management and make sure everything works together.
The life and disability insurance you bought early in your career might not fit anymore. As your wealth grows, your insurance needs change.
As a fiduciary, fee-only advisory firm, we are required to put your interests first. We do not receive kickbacks from selling you recommended products. Instead, we’ll help you identify right-size coverage so you’re neither overinsured nor underprotected.
We’ll help you find the balance so you’re not riddled with guilt about enjoying today while planning for tomorrow. It’s about living your rich life today.
You graduated with six figures of debt and don’t want your kids to face the same burden.
But how much is enough? And how do you balance funding their education without compromising your own retirement?
We help you determine the right savings strategy. Whether that’s 529 plans, other vehicles, or a combination, the goal is to support your children’s future while ensuring you can live your rich life today and tomorrow.
With growing assets comes the need for a solid estate plan.
Wills, trusts, and power of attorney. How wealth transfers to the next generation. How to protect what you’ve built while supporting causes you care about.
We help you to create your plan, and we will coordinate with estate attorneys when needed.
Serving pharmacists nationwide
We work with pharmacists nationwide, across hospitals and health systems, academia, industry, and retail pharmacy.
Wherever you practice, we understand the compensation structures, benefit options, and career trajectories specific to pharmacy.
What our clients say
“It’s really the people on the YFP Wealth team and the interactions we have with them. I can’t overstate the trust and relationship that’s been such a key part of our experience. It’s a relief and weight off my mind to know we’re in good hands.”
-James McAuley, RPh, PhD, FAPhA
We wanted comprehensive planning that covered the whole big picture…not just investments, but retirement, savings, college, wills, and trusts. Before YFP Wealth, we knew we had money and were investing, but that was kind of it. There was a disconnect between our expectations and reality. Now we have specific goal-oriented planning where we’re shown exactly how each decision impacts our long-term financial picture.
– Jen Harris & Michael Harris, PharmD
“They’re more than just a financial planner. They know your life, it’s like a relationship to me. The YFP team has been incredibly patient and accessible, always there when I need guidance. Having that personal connection and trust makes all the difference in feeling confident about my financial future.”
-Gina Hare
“I think about what things we’ve tried to do and my personal journey…through all the education, through all the podcasts, through all the meetings we had, I can see my own wealth growing over the seven to eight years in a great way. That is the end product, and when I think back to my first initial meetings with them, that’s exactly what Tim and Tim wanted to do. The comprehensive approach combining education, content, and planning meetings has delivered real results for us.”
-Josh Gaborcik, PharmD, BCPS
Disclaimer: Your Financial Pharmacist Planning LLC has not provided any compensation for, and has not influenced the content of, the testimonials shown. The testimonials shown have been invited, have been shared with each client’s permission, and are not necessarily representative of the experience of other clients. To our knowledge, no other conflicts of interest exist regarding these testimonials.
Let’s build a plan that works as hard as you do
You’ve built your career and your wealth; now it’s time to see how comprehensive planning can help you build your rich life.