VIRTUAL FINANCIAL PLANNING FOR
HEALTHCARE PROFESSIONALS
Retire on your timeline.
Get our 6-part Podcast
for healthcare professionals delivered to your inbox
Daydreams a little hazy?
Do you ever find yourself dreaming about the future—the years when you can choose if you work? If so, how far do you get before things get fuzzy? The truth is, it can be hard to imagine the future before knowing what’s actually possible.
You’re doing all the things to prepare for retirement… building a cash reserve, saving into your employer’s retirement plan, building an investment portfolio. But what will those things really help you accomplish? Are they enough to support a more carefree existence down the road?
You’ve done the hard work of making money.
You deserve a financial guideto help you take it from here.
It's an honor to help
We are a team of helpers, meaning we won’t preach or push you into a life we think you ought to have.
Instead, we spark thoughtful questions, listen intently to your responses, and arm you with information. That way, you can decide what life looks like now while filling in those daydreams about a future within your reach.
Here's how we guide:
We get specific.
We dream about the future, but also about right now. What do you wish you had more of? Less of?
We figure, what does it hurt to put everything on the table? (And if you don’t know yet, that’s fine, too!)
We get creative.
We don’t do things just because “that’s the way they’ve always been done.” And, we don’t get distracted by “shiny objects.”
Instead, we mine for opportunities that make the best sense for you.
We get real.
Life happens; babies are born, jobs change, couples divorce, and through all of it, money fluctuates.
A rigid plan is destined to fail, so we help you keep yours as flexible as it is intentional.
Serving the Purnell's is a joy.
Spend three minutes hearing their story.
Get our 6-part Podcast
for healthcare professionals delivered to your inbox
Here's exactly what you can expect.
With a career in healthcare, we suspect that your life and your schedule are demanding.
So, let’s take a closer look at what the upfront and ongoing process requires of you.
Schedule a virtual consultation.
While we wait to meet, we’ll send over some videos that explain our services. That way, we can spend most of our time together talking about you! There is no charge for this meeting.
Become our client.
If, at the end of the first meeting, we mutually agree to continue the conversation, we will share customized pricing for your circumstances. Should you choose to move forward, we will assign a bit of homework to complete before our next meeting.
See what's possible.
In our second meeting, the modeling session, we will determine the direction of your financial plan. Our time together will start by verifying your financial data and discussing the timeline of your goals. Then, together, we will play with scenarios to hone the direction of your plan. Throughout the meeting, we’ll offer education about what we see and your possibilities.
Solidify the plan.
Once your financial plan is complete, we will meet again to discuss the path forward and prioritize the steps necessary to help you achieve your goals. These steps include your wealth management needs, changes to your saving and spending strategies, as well as focus areas, such as insurance, estate planning, and how you might cover long-term medical costs. We may also discuss investments that fit within your risk comfort level and align with your financial plan.
Adjust as life unfolds.
We tend to meet with our clients two times annually after we’ve completed the initial plan. However, how many times we meet depends on both your preference and what may be happening in your life. We are also available in between meetings via email and over the phone to answer questions and provide direction (we love hearing from our clients about new car purchases, college expenses, you name it!)
Ready to start the conversation?
We’d love to get to know you.
What might our help look like in real life? Meet "Stan" and "Joyce."
Stan and Joyce, a married couple in their mid-fifties, both work in healthcare—Stan as a radiologist and Joyce as a researcher and professor. They have two children in college, and like many parents, they fund their education with long-term investments. With their children now out of the house, Stan and Joyce are increasingly focused on their retirement, approaching it with a mix of excitement and apprehension as they contemplate new and different life experiences.
KEEP READING
Stan and Joyce are focused on three primary goals: (1) securing a comfortable retirement lifestyle, (2) purchasing a second property to enjoy during retirement and as a future "family retreat" for their children and grandchildren, and (3) building a cash reserve, which they hadn't prioritized before since their paychecks easily covered unexpected expenses.
When working with clients such as Stan and Joyce, we work together to identify, model, and implement options such as:
- building and maintaining an appropriate cash reserve for emergencies and opportunities, and also the early years of retirement (if needed)
- funding employer-sponsored retirement plans appropriately, including an annual review of allocations and rebalancing
- consolidating old employer-sponsored retirement plans, where appropriate
- funding other sources of savings or investments
- ensuring college is funded from the best source of funds
- identifying and implementing strategies to reduce taxes in
retirement so they can spend more of their money where they want it - reviewing and installing employer-provided and individual insurance as appropriate to enable financial independence if one of them is unable to work or dies prematurely
- discussing preferences for aging and identifying and implementing strategies to fund long-term medical costs based on preferences
- reviewing estate planning and investment ownership and beneficiaries to ensure alignment
This case study is hypothetical. It does not reflect a specific client or situation. An individual client’s circumstances and results will vary. This case study is presented only as an example and is not intended as investment advice.
Allow us to introduce ourselves.
At Thimbleberry Financial, we work in pods. That means you have a few dedicated professionals who you’ll always interact with and who specialize in serving our healthcare clients.
Amy Groshong Walls
CFP®, RICP®, CRPC®
President and Financial Advisor
Christy Rowe
Operations
Paraplanner
We’ve answered the questions we hear most often in case they’re on your mind, too.
Are you a fiduciary?
Yes. At Thimbleberry Financial, we act as fiduciaries, which means we are legally bound to act in the best interest of our clients. Additionally, Amy is a CERTIFIED FINANCIAL PLANNER™, leading our team with knowledge and expertise to help our clients map out their financial future.
What services do you offer?
We provide financial planning and wealth management services. That means we’ll help you get a big-picture view of your current life and financial goals, then bridge the gap between where you are now and where you want to be.
We care about your holistic financial health, so our guidance goes beyond investing. We happily help you think through decisions many advisors consider “outside the box,” like company benefits, college funds, vacation homes, business mergers and acquisitions, and beyond.
What are your expectations around managing money (i.e. transferring accounts to you)?
Some financial advisors require that clients transfer investment accounts to the advisor’s care upon an initial agreement. We don’t. We expect to manage your investments for you, but only after we’ve reviewed your entire situation and made a financial plan. We may decide together that a different type of investment suits you better. If it does, waiting to transfer accounts eliminates the need to make changes twice in a short amount of time.
How much experience do you have serving healthcare professionals?
We have over two decades of experience serving healthcare professionals. From residency to retirement, we work with nurses, doctors, professors, researchers, and others in the industry as they navigate the complexities of their careers and personal lives. We find great joy in helping you dream about what’s next and how to make it happen.
How much does it cost to work with you?
Our fees are structured based on the complexity of the financial planning required. Financial planning and wealth management services are billed separately. Financial planning fees are paid out-of-pocket annually, while wealth management fees are deducted directly from investment accounts.
How often do we meet?
After the initial onboarding meetings, many clients meet with us twice annually. However, how often we meet depends on your preference and what’s happening in your life. We are also available by phone or email to answer questions and provide direction between meetings.
What if I just want you to manage my money? Or just do my planning? Not both.
We are not the best fit for someone looking for singular financial services. Our clients see the best results when we provide both financial planning and wealth management services, so we do not offer one without the other.
What happens if I don’t want to work with you anymore?
Your financial planning agreement can be canceled at any time, at which point we will help you transfer your accounts elsewhere.
Check out my background on FINRA’s BrokerCheck at brokercheck.finra.org.
To review the Customer Relationship Summary, click on this link.
