After signing your agreement, you’ll be paired with your Earned Advisor and create your client profile in the Earned App. You’ll use the Earned App to start sharing information with your Advisor to begin building your custom plan. From there, you’ll schedule a first virtual meeting with your Advisor to discuss your financial goals and share your communication preferences. The final step of onboarding is to transfer your investment accounts that Earned Wealth will manage.

Your Advisor is conveniently available through the Earned App or by text. Virtual meetings can be scheduled nights and weekends as needed to accommodate your busy schedule. Your Advisor will regularly connect with you throughout the year to review your wealth strategy and determine if adjustments to your financial plan are needed.

The Earned investment philosophy focuses on your financial goals as a doctor, then creates tailor-made strategies, which factor in your preferences, financial and tax circumstances, income, personal balance sheet, dreams, and aspirations. Added to that, we follow our core tenets to managing your investments that are thoughtful, intentional, technically sound, and responsive to the varying conditions in financial markets. These core tenets include our approach to asset allocation, manager selection, portfolio construction, asset class selection, capital market assumptions, rebalancing, manager research, active and passive management, tax-smart investing, ESG (Environmental, Social, and Corporate Governance), and private investments. In each of these areas, we believe that “alpha” – the ability to identify opportunities and influence enhanced outcomes – can be created through a disciplined, evidence-based approach focusing on the areas that can be controlled and appropriately managing risk in areas that can’t be explicitly controlled.

Keeping investment costs low is a prudent strategy to help doctors reach the financial outcomes they desire. Markets are not controllable or predictable. However, investment expenses are a known factor. Minimizing these costs increases the probability of investment success. This well-researched fact has contributed to the popularity of passive investing, including the use of index mutual funds and ETFs (exchange-traded funds). We believe that custom indexing is the next evolution of low-cost investing. At Earned Wealth, we are able to create bespoke portfolios using custom indexing with pricing that is competitive with passively managed mutual funds and ETFs.

Earned Wealth integrates six tax-efficient strategies throughout the year when managing taxable portfolios for our doctor clients. These strategies are managed using advanced technology to minimize your taxes and include integration of legacy holdings, tax-aware transition, tax loss harvesting, capital gains budgets, short-term gains avoidance, and tax-smart vehicle selection. In concert, these strategies help optimize a portfolio’s tax efficiency, allowing doctors to keep more of what they earn.

Our fee structure is based on your unique circumstances, including the complexity of your financial situation and the services you require. Please speak with one of our representatives for a detailed explanation tailored to your situation.