Pricing
Straightforward and Transparent Pricing
Investment Management
Residents or Fellows + Family
Attending Physicians + Family
For ongoing financial planning relationships, we offer investment management at:
Every relationship includes: investment management, asset location strategies and how to efficiently save to minimize tax. This service is available to families not wishing to personally manage the operational side of investment management.
Optional investment management is offered within the context of an ongoing financial planning relationship. However, we also provide the flexibility to extend this service to individuals seeking standalone investment management without a continuous commitment.
* For ongoing relationships that are established during training, the monthly planning rate will remain the same for the first six months after graduation.
For ongoing financial planning relationships, we offer investment management at:
Every relationship includes: investment management, asset location strategies and how to efficiently save to minimize tax. This service is available to families not wishing to personally manage the operational side of investment management.
Optional investment management is offered within the context of an ongoing financial planning relationship. However, we also provide the flexibility to extend this service to individuals seeking standalone investment management without a continuous commitment.
Additional Services
Disability & Life Insurance Consultation
My Mission
As my financial planning practice continues to grows, my goal is to allocate 100% of the commissions earned from insurance to establish a foundation that supports early-career physicians like you.
Price: Free | Time: 30-minute session
Looking to secure your future?
☁ Get a Free Disability Insurance Quote
Ready to start planning your life insurance?
☁ Start a Complimentary Life Insurance Quote
Ideal for:
☁ Residents & Fellows: Tailored support during training
☁ Early-Career Physicians: Strategic planning as you grow
☁ Families: Protecting your loved ones
☁ Comprehensive Coverage: Physicians and non-physicians alike
What’s Included:
☁ 30-minute strategy session to review your insurance needs
☁ Evaluation of your current disability and/or life insurance
☁ One-page analysis with personalized recommendations
☁ Guidance on selecting and purchasing the right policies
Bonus Benefits:
☁ Complimentary Student Loan Consultation: Purchase insurance through Michael and receive a waived consultation fee (normally $299).
☁ Claims Concierge Services (Disability Insurance): If you need to file a claim on your disability insurance, our team will guide you every step of the way, ensuring you receive your benefits promptly and with ease.
☁ Access to RightCapital: Enjoy this optional resource to help you track your finances, monitor cash flow, create a budget, and receive customized tasks.
☁ Extended Access to Michael: Ongoing email support for any questions or concerns.
☁ Discounted Financial Planning Fee: If you’re in training, enjoy an exclusive rate of $80 per month for 12 months or until the end of your graduation year.
How I’m Paid:
As an independent insurance agent, I earn commissions directly from the insurance companies for policies purchased through me. There’s no extra cost to you, and I’ll provide full disclosure of commissions and any potential conflicts before you make any decisions. My priority is helping you find the best coverage for your needs.
Have Health Concerns?
If you’re a physician in training with health concerns, consider Guaranteed Standard Issue (GSI) Disability Insurance. Offered at select training programs, this policy allows you to secure disability insurance without medical underwriting. Keep in mind, there are some eligibility exceptions.
Project-Based Financial Planning
Price & Time:
☁ Duration: 3 to 6 months of dedicated financial planning
☁ Residents or Fellows: $1,200 for individual planning
☁ Residents or Fellows & Family: $2,400 for family-inclusive planning
☁ Attending Physician: $4,800 for individual planning
☁ Attending Physician & Family: $6,000 for family-inclusive planning
Interested in learning more?
☁ Book a 30-minute icebreaker conversation with Michael today
Payment Structure:
☁ Initial Payment: 50% to begin our partnership
☁ Completion Payment: Remaining 50% due upon plan finalization
☁ Continuation Option: After the 6-month period, you can opt-in for ongoing services at the ongoing financial planning rates
Best For:
☁ Physicians In Training: Addressing specific financial questions or needs
☁ Transitioning Physicians: Organizing finances when moving into an attending role
☁ Early-Career Physicians & Families: Structuring finances for long-term success
What’s Included:
☁ Personalized Focus: Tailored to the financial areas that matter most to you
☁ Financial Organization: Gaining clarity and control over your finances
☁ Budget Planning: Managing income changes with a smooth financial plan
☁ Retirement Management: Ensuring optimal growth of retirement accounts
☁ Benefit Selection: Choosing employer benefits for maximum advantage
☁ Access to Discounted DI: Special access to discounted Disability Insurance for those in training
☁ Income Progression Planning: Strategically planning for financial growth as your income increases
Bonus Benefits:
☁ Access to RightCapital: Enjoy this optional resource to help you track your finances, monitor cash flow, create a budget, and receive customized tasks.
☁ Extended Support: Ongoing email support for any questions or concerns.
Student Loan Consultation (Valued at $299)
Price: $299 | Time: 1-hour Strategy Session
Ready to take control of your student loans?
☁ Book your 1-hour strategy session now and get expert guidance tailored to your unique situation.
Ideal for:
☁ Medical Students
☁ Residents & Fellows
☁ Early-Career Attendings
☁ Families
What’s Included:
☁ 1-hour strategy session to assess your student loan situation
☁ Evaluation of your current student loan status
☁ Expert advice on loan consolidation and selecting the best repayment plan
☁ Guidance on navigating the Public Service Loan Forgiveness (PSLF) program
☁ Deadlines and strategies to optimize your loan benefits
☁ Clear, summary with actionable recommendations tailored to your situation
Bonus Benefits:
☁ Access to RightCapital: Enjoy this optional resource to help you track your finances, monitor cash flow, create a budget, and receive customized tasks.
☁ Extended Access to Michael: Ongoing email support for any questions or concerns.
☁ Discounted Financial Planning Fee: If you’re in training, enjoy an exclusive rate of $80 per month for 12 months or until the end of your graduation year.
Exclusive for Medical Students
Entering a three-year program? Your student loan payments could be as low as $0/month during training. Click here to access a blog post that walks you through the process.
If you’d prefer to DIY, I’ve created a series of tasks in my financial planning platform, RightCapital, to help you stay on track. Click here to learn more.
Looking for more personalzied support?
Learn more about a student loan consultation here. This $299 consultation can dramatically improve your financial outlook. We’re excited to team up with you and guide you through each step!
Get To Know Each Other
☁ What it is: It’s like meeting a new friend. We chat to see if we’d work well together.
☁ What we do: Talk about what you want in life and money, and I’ll explain how I can help.
☁ What happens next: You decide if you want to keep talking or think about it some more.
Strategy Sessions
☁ What it is: Think of it as a few hangouts where we plan cool stuff for your future.
☁ What we do: We’ll figure out what’s most important to you, talk about your dreams, and look at your money situation.
Getting Organized
☁ What it is: We put all your money info in one place.
☁ Why it’s cool: It helps us know where you’re starting from so we can plan better.
Starting Your Journey/Accountability
☁ What it is: I’m like your money coach. I’ll help you do the money tasks we talked about and make sure you’re sticking to the plan.
☁ Why it’s cool: You’ll learn to make smart choices with your money and know exactly what steps you need to take next.
Continuing Conversations
☁ What it is: Once your plan is rolling, I’m here to help you keep it going.
☁ What we do: We’ll check in twice a year to make sure everything’s good with your money, and you can call or email me anytime you have questions.
☁ Why it’s cool: Life changes, and so will your money plan. We’ll adjust it as needed so it always fits you.
Dream Bigger Financial
At Dream Bigger Financial, we understand the unique financial journey of early-career physicians. That’s why we’ve tailored our pricing and planning with your specific needs and aspirations in mind. Our commitment is to deliver exceptional value and ensure your complete satisfaction.
Should you feel that the value we promised isn’t realized after 18 months of Ongoing Financial Planning, we stand by our guarantee: we will refund the fees for both Ongoing Financial Planning and Investment Management collected in the last three months. We’re dedicated to earning your trust and confidence through the highest quality service and support, so you can focus on your dreams without financial worry.