Pricing | Dream Bigger Financial

Ongoing concierge financial planning

Concierge Financial Planning for Early-Career Physicians

Flexible pricing for your journey in medicine.

Planning as a couple? (+$100) Have 1099 income? (+$100)

$200 per month

Optional investment management: 0.35% AUM

For ongoing relationships established during training, your monthly rate remains the same for the first six months after graduation.

Prioritizing urgent matters Creating your tax plan Designing your student loan strategy Getting you organized Understanding your cash flow Using tax advantaged investing Providing investment guidance Reviewing your insurance Creating a debt payoff plan Optimizing employer benefits Setting up estate planning

Start Your Plan

Concierge planning. How it works

Think of me as your financial consultant on call. We start by diagnosing what matters most and build a plan that fits your life in medicine.

Clear and straightforward guidance when questions come up.

Preventive planning that keeps progress on track before problems appear.

A plan that adapts to your career stage, goals, and family life.

Diagnosis. We get organized and identify what matters most to you.

Treatment plan. You leave each meeting with clear and simple action steps.

Follow ups. Expect six to eight meetings in your first year so nothing slips through the cracks.

Maintenance care. Two comprehensive reviews each year to keep your plan aligned with life changes.

Check ins as needed. Reach out anytime life shifts and I will reply quickly.

Quick consults. If an email is not enough we can hop on a video call.

Additional Services

Support in the one area you need, explained in a way that actually makes sense.
You’ll walk away knowing what matters and exactly what to do next.

Free*

Disability & Life Insurance

Protect your paycheck. Protect your people. We’ll teach you what matters and simplify the rest, one step at a time.

Look at the coverage you already have and see if anything is missing
Talk through what actually matters in a policy and what is just noise
Share clear, side-by-side options so you can compare
Help you choose and apply for the policy that fits your life

$299

Student Loan Strategy Session

We’ll choose a repayment plan that fits your income and goals so this stops feeling overwhelming.

Review your current loans and monthly payment options
Talk through which repayment plan is the best fit for you
See if tax-free forgiveness through PSLF is available for your path
Leave with a clear game plan and exact next steps

$99/month

Concierge PSLF Support

Ongoing student loan and tax planning support to keep you on track toward forgiveness.

One yearly meeting to confirm your plan and make updates
Help with forms, payment changes, and employment certification
A simple action plan each year so you always know what to do next
Email access all year when questions come up

A Hidden Perk of 1099 Income: The Business Deduction

(See how deductions can lower your taxable income and make your planning fee feel smaller.)

If you earn 1099 income, part of your financial planning fee may qualify as a business deduction. Deductions reduce the amount of income that gets taxed, so you pay tax on a smaller number. Use the quick calculator below to see how this could look.

If you have 1099 income and you are unsure what share of our planning relates to your business, start with a conservative estimate between 25 and 35. The right number depends on your situation and should be set with your planner and a tax professional. This is general education, not personal advice.

Filing status

Tax year

Annual income

Monthly planning fee

Business percent

State tax rate (optional)

This estimate uses your federal tax bracket for the year you select, adds your state tax rate if you enter one, and includes a self employment tax adjustment. Your results may vary. Talk with a planner or tax professional before filing.

Federal marginal rate used

Estimated combined marginal rate

Annual fee

Business share of fee

Estimated annual tax savings

Effective monthly cost after taxes

Savings visual

Your savings will show here

See If Concierge Planning Is Right for You

No pressure. Just a conversation to see if this fits.

Quick fit finder

Your Dream Bigger Fit Check

Wondering if financial planning with Dream Bigger might be right for you? Answer 8 simple questions to see if we are a good match and which type of support could make the biggest impact. No pressure, no sales pitch. Just clarity.

Quick fit finder

Your Dream Bigger Fit Check

Meet Your Team

👋 Hi, I'm Michael.

I help early-career physicians feel confident about money without the jargon, overwhelm, or sales pitches.

I work alongside two highly enthusiastic (but not exactly qualified) team members:

🐶 That's Max on the left, our Pawsome Intern

🐶 And Ryder on the right, our Chief Barketing Officer

Together, we’re here to make financial planning feel less intimidating... and maybe even a little fun.

Ready to Chat?

We're currently accepting new Ongoing Concierge Financial Planning clients!

Ongoing means we meet regularly and help with all parts of your financial life.

talk with michael

Not ready to chat?

Follow me on social for quick tips on loans, taxes, saving, and more.

Michael Putterman, CFP®

☁ Virtually serving clients nationwide ☁