Investment Management
Access innovative investment strategies designed for doctors
Earned’s investment philosophy focuses first on your financial goals as a doctor, then creates personalized strategies factoring in your preferences, financial and tax circumstances, income, personal balance sheet, goals and aspirations.
Personalized attention from your Earned Advisor – a fiduciary, legally obligated to act in your best interest
Tax-smart investment strategies powered by advanced technology
Premier private investment funds (private equity, real estate, and debt) for qualified investors
Why it's important:
Doctors pay a lot in taxes. Minimizing the tax drag on your investments is a key to wealth acceleration. Tax-smart investing – including custom indexing, tax efficient portfolio transitioning, tax loss harvesting, and asset location – can generate up to 200 basis points in annualized tax savings*, leaving more dollars to grow your net worth over time.
See how Earned supports doctors with:
Utilizing tax-smart investing strategies to increase savings and grow your net worth
This doctor saw over $1,000,000 in tax savings when his Earned Advisor utilized custom indexing to own individual securities typically bundled in a mutual fund or ETF and then strategically capture tax losses on his overall earnings. This doctor can now reinvest those savings to continue maximizing potential earnings and his overall net worth.
How it works
Your Advisor will start by designing your personalized strategy that aligns with your financial plan
See how Earned is working to achieve your goals
Through the Earned Wealth App, you will clearly see how Earned is working on your behalf to achieve your goals. Seamlessly share information and connect with your Earned Advisor when it works for your schedule.
Explore the Playbook
Our Doctor Wealth Playbook is a proprietary process that we use to identify, prioritize, and action wealth creation opportunities for our doctor clients. Explore the next pillar in the playbook, Tax Planning.
Your assets are secure
Your assets are custodied at Fidelity and protected by SIPC. As one of the nation’s largest institutional custodians, Fidelity oversees $4 trillion in assets under administration. Fidelity’s financial stability, its compliance with industry regulations, and its insurance protection via the Securities Investor Protection Corporation (SIPC) all serve to help safeguard your investments.
Frequently Asked Questions
We make opening an account simple and easy. Start by scheduling a meeting to speak with an Earned team member. From there, our wealth management agreement can be digitally signed to initiate the transition of your assets to Earned to manage. Our advisory team handles all of the details of this process for you, making the experience of moving your accounts to Earned hassle free.
Sources
CFA research paper, “An Empirical Evaluation of Tax-Loss-Harvesting Alpha” by S.E. Chaudhuri, T.C. Burnham, and A.W. Lo, published in the Third Quarter 2020 Financial Analysts Journal (https://www.cfainstitute.org/en/research/financial-analysts-journal/2020/empirical-evaluation-tax-loss-harvesting-alpha); Morningstar paper by David Blanchett and Paul Kaplan, Alpha, Beta, and Now... Gamma, August 28, 2013 (https://www.morningstar.com/content/dam/marketing/shared/research/foundational/677796-AlphaBetaGamma.pdf); Vanguard paper, Putting a value on your value: Quantifying Vanguard Advisor’s Alpha®, July 2022 (https://advisors.vanguard.com/iwe/pdf/IARCQAA.pdf)
Investment Management
The Physician's Practical Guide to Real Estate Investing
Real estate is a popular investment vehicle for physicians because it's a way to generate passive income, diversify your investments, and help protect against inflation. You've likely heard about it from colleagues or read about it on medical blogs. Investing money in real estate can be a smart wealth-building avenue for physicians, provided you do your due diligence.
Investment Management
Check These 3 Things Before Year-End
The end of the year can be a hectic time and likely the last thing you will want to do is take on another to-do list. That said, however, there are a handful of things that may be worth your time. Earned has compiled 3 things to check before year-end; these items are time-sensitive and may potentially lead to savings.
Investment Management
1099 vs. W-2 Physicians: Differences, Pros and Cons
The 1099 vs. W-2 tax classification designates someone as an independent contractor or employee in the workplace. There are pros and cons to each type of designation.
Investment Management
Report: Multi-family Real Estate Investors About to Hit Turbulence
And what this means for physician investors
Disclosures
The information in this communication was prepared for educational purposes only and is not a solicitation to buy or sell any security or insurance product, nor an offer to provide investment advice. All examples are for illustrative purposes only and may not be relied upon for investment decisions. Nothing contained herein should be construed as legal or tax advice and is not intended to replace the advice of a qualified tax advisor or legal professional. The information presented may have been compiled from third-party sources we believe to be reliable but cannot guarantee its accuracy or completeness.
This communication contains past investment recommendations for illustrative purposes only. Earned Wealth makes no assurances, nor should it be assumed, that recommendations made in the future will be profitable or will equal the performance of the securities included in this presentation. Due to various factors including changing market conditions, such recommendations may no longer be appropriate; nor should any past recommendation be taken as personalized investment advice.
Earned Wealth is an SEC-registered investment adviser. Additional information about Earned Wealth, including its services and fees, is available online at http://adviserinfo.sec.gov/.
Client Tax Savings is the combined Tax Savings calculation for a subset of clients invested in the Custom Indexing Global ADR strategy, subadvised by Brinker Capital Investments, LLC, a registered investment advisor. The Tax Savings calculation goal is to quantify the value-add of tax management by measuring the benefit from (1) tax loss harvesting, (2) transitioning legacy securities with unrealized gains, and (3) the growth of the savings from 1 and 2, by the rate of return of the portfolio.
Average Tax Loss Harvesting Savings is the average taxable benefit of realized losses for a subset of clients invested in the Custom Indexing Global ADR strategy, subadvised by Brinker Capital Investments, LLC, a registered investment advisor. Tax Loss Harvesting is a process by which securities trading at unrealized losses are proactively sold to realize a taxable loss, used to offset capital gains. Proceeds from the sales are then used to reinvest in similar securities to maintain market exposure.
The Tax Savings and Tax Loss Harvesting Savings calculations will be heavily influenced by the assumed tax rates, which can be specified at the investor level. If no tax rate is specified, the maximum short- and long-term Federal and State tax rates will be assumed.
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Investment advisory services offered through Earned Wealth, an SEC-registered investment adviser.