For Physicians & Healthcare

Your hands are your greatest asset.

High income often arrives alongside heavy student debt, a late start to saving, and a career that depends entirely on your ability to practice. We help physicians protect that — and build on it.

The pressures you know

Years of training mean a late start on saving — and often six figures of student debt.
Your income depends on your ability to work; a disability could end it overnight.
Practice owners juggle malpractice exposure, staff, and entity decisions alone.
High earnings invite high taxes without proactive, coordinated planning.
Busy schedules leave little time to coordinate insurance, investments, and tax.

Where Lithos comes in

We start by understanding your specific situation — then coordinate the right mix of protection, planning, tax, and strategy so the pieces actually work together. No product pushed before a plan is built.

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How We Help

A coordinated plan, mapped to our divisions

Own-occupation disability

The coverage built around your specialty — so a disability that stops you from practicing medicine is actually protected.

Insurance Advisory

Practice & key-person protection

Continuity, buy-sell, and key-staff strategies for owners — protecting the business you built.

Insurance Advisory

Debt-aware wealth planning

A plan that respects your student-loan reality while still building retirement momentum.

Wealth Advisory

Entity & tax coordination

Filing, accounting, and structure handled through Lithos Tax Advisory's CPA team.

Tax Advisory

Retirement income strategy

Turn a compressed, high-earning career into reliable lifelong income.

Wealth Advisory

Real estate in your plan

Whether it's your home or investment property, fit real estate into the bigger picture.

Realty & Lending

Learn First

Securing the Scalpel

A dual-expert session for medical and dental practice owners — pairing a CPA on entity structure and depreciation with our team on liability, key-staff benefits, and wealth accumulation. We also run "Preserving Your Life's Work" on succession and legacy.

See all seminars

"The right plan starts by understanding the specific pressures of your work — not by reaching for a product."

The Lithos approach

Questions

Good things to ask

What makes disability coverage different for physicians?

The key term is "own-occupation." A true own-occupation policy can pay benefits if you can't perform the duties of your medical specialty — even if you could technically work in another field. For a specialist, that distinction matters enormously, and the details in the policy language are where the value is.

I have a lot of student debt. Is it too early to plan?

No — in fact, coordinating debt strategy with protection and early saving is exactly where a plan earns its keep. The goal isn't to ignore the debt or obsess over it, but to make deliberate, sequenced decisions instead of letting years drift by.

Can you coordinate with my CPA, or do you handle tax too?

Either works. We're happy to coordinate with your existing CPA, or you can use Lithos Tax Advisory for filing, accounting, and bookkeeping. The point is that your tax picture and your financial plan stop living in separate silos.

Let's build something that lasts.

A conversation costs nothing and clarifies everything. Tell us where you are, and we'll show you what coordinated, layered planning can look like.

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