Decisions

As a surgeon, you bring dedication, focus, skill, and creativity to the OR. But what makes you stand out among peers is your ability to make critically quick decisions that have an immediate impact on patient lives.

However, when it comes to making decisions that affect your own financial life, including preserving more of your earnings, you may not have the time or inclination.

Having the right plan is critical. Just as important is having the right advisor, who understands what matters to you as a surgeon. The right advisor has the experience and knowledge to address your most complex financial challenges.

Financial Planning for Surgeons

Michael Wang, M.D., University of Miami, interviews Bob and Ian about late-stage retirement planning for surgeons.

Strategies

You’ve done well. And although no two surgeons are alike, you likely share three broad objectives: to minimize taxes, to reduce risk of losses, to leave a legacy.

Asset location before asset allocation

At SCM, we believe that the location of your assets from a tax standpoint is far more important to your surgical practice than how they are allocated. And before asset location can be determined, we first need to understand your long-term financial goals in three areas: wealth planning, tax-favored planning, and insurance planning.

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Investment Analysis & Implementation

Based on your goals, SCM reviews your current holdings and recommends any potential changes that may better align assets with liabilities, and reduce risk. Our scoring methodology weighs style factors, risk/return, peer-group rankings and qualitative factors.

Estate & Trust Funding

SCM works to understand what you want to accomplish with your wealth, and coordinates with your legal and tax advisors to create funding vehicles for your estate and trust-planning needs.

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Retirement Plan Reviews

SCM will seek to uncover ways that allow you to save more than your 401(k) or IRA currently allow—while complementing other investments in your portfolio.

Assessing Financial Instruments

Do the instruments you currently own provide tax-free income? Tax-deferred accumulation? Tax-deductible contributions? SCM can advise you on strategies that offer the potential for high liquidity, tax-free cash flow, and creditor protection in most states.

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Life & Disability Reviews

Life and disability income insurance covers “what if” scenarios. SCM’s deep experience with insurance planning gives you confidence that your family will be cared for in the event the unthinkable happens.

Creditor Protection Strategies

SCM’s strategy for surgeons works to help medical professionals accumulate a tax-free and often creditor-protected bucket of assets.

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Planning Basics

Here are some materials to give you a high-level understanding of the basic principles of financial planning — and a wealth management strategy that’s designed to meet the unique financial needs of specialist surgeons.

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INVESTMENT PLANNING

The following Quick Guides are intended to provide you with a general understanding of the basic principles of investment planning:

Investment Basics

Mutual Funds

Personal Savings and Debt Management

Individual Retirement Plans

These materials should not be construed as individual investment or planning advice, nor should they be relied upon to address all individual financial circumstances. Please consult with a Wealth Advisor to discuss your specific goals and financial situation.

INSURANCE PLANNING

The following Quick Guides are intended to provide you with a general understanding of the basic principles of investment planning:

Disability Insurance

Life Insurance

Wealth Protection

These materials should not be construed as individual investment or planning advice, nor should they be relied upon to address all individual financial circumstances. Please consult with a Wealth Advisor to discuss your specific goals and financial situation.

STRATEGIES FOR SURGEONS

The Physician’s Life Income Plan℠ utilizes a tax-deferred life insurance policy designed to mitigate the potential income gap left by traditional benefit plans, helping you to retire on a significant percentage of your final income.

Variable life insurance is offered by prospectus. For a prospectus with more complete information including investment objectives, risks, charges, and expenses, please contact your financial professional and read the prospectus carefully before investing or sending money. Physician’s Life Income PlanSM is a service mark of Corporate & Endowment Solutions. Used by permission.

ESTATE PLANNING STRATEGIES

The following Quick Guides are intended to provide you with a general understanding of the basic principles of investment planning:

Understanding Estate Taxes

Wills, Trusts and Probate

Making Critical Estate Decisions

These materials should not be construed as individual investment or planning advice, nor should they be relied upon to address all individual financial circumstances. Please consult with a Wealth Advisor to discuss your specific goals and financial situation. SCM’s strategy for surgeons works to help medical professionals accumulate a tax-free and often creditor-protected bucket of assets.

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Growing, preserving and managing wealth isn’t as hard as surgery.  

But who has the time when you are so busy managing a practice? Request a call or schedule virtual appointment with an SCM Advisor. In 15 minutes we can learn more about your practice, goals and needs — and commit to helping you preserve more of your earnings.

About SCM

We know you’re busy, and that your time to arrange your financial affairs is limited. That’s why we keep things simple, and why we have purposely kept our practice focused on serving a select group of orthopedic surgeons and neurosurgeons located across the country.

Surgeons Capital Management (SCM) is a private wealth management firm that works solely with surgeons and surgical practices. We focus on providing wealth and investment management, estate planning strategies, asset protection, and credit protection strategies to our clients.

  • Because we work exclusively with surgeons and professional groups, we can provide some additional benefits and programs that are only available to our client surgeons — often at lower cost.
  • Recognizing your time constraints, we are available to work around the clock, seven days a week.
  • We are there for you when you need us, not when it’s convenient for us. We can meet with you virtually, or in person — whatever your preference.

We seek to understand your highly specialized and complex financial needs and, using tax-advantaged planning strategies, we strive to provide lasting value to you and your family.

We are here to serve you. SCM’s financial advisors ascribe to the following professional pledge of the American College of Financial Services, first adopted in 1984:

“In all my professional relationships, I pledge myself to the following rule of ethical conduct: I shall, in light of all conditions surrounding those I serve, which I shall make every conscientious effort to ascertain and understand, render that service which, in the same circumstances, I would apply to myself.”

Conferences & Meetings

We like to support the surgeons we work with. SCM’s principals typically attend 15+ annual US surgical conferences and meetings each year. Why? We want to learn about your practice, your concerns, and what problems loom on the horizon. These gatherings not only allow us to connect with surgical specialists in all disciplines, but also keep us up-to-date with surgical procedures, technical innovations, and research that feed into our advisory work. We also think our commitment to helping surgeons separates us from all other investment firms in the country.

Below is a list of conferences and meetings that we have attended or plan to attend. We invite you to visit us at your next professional event.

Note: Due to COVID-19, these scheduled meetings may have been postponed or cancelled. Please check directly with the meeting hosts for updated information.

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2021 Conferences

OSET, Orthopaedic Summit, December 12-15, Las Vegas, NV

CSRS, Cervical Spine Research Society, December 2-4, Atlanta, GA

SMISS, Society for Minimally Invasive Spine Surgery, October 28-30, Las Vegas, NV

EOA,  Eastern Orthopaedic Association, October 20-23, Nashville, TN

CNS, Congress of Neurological Surgeons, October 16-20, Austin, TX

NASS, North American Spine Society, September 29-October 2, Boston, MA

AAOS, American Association of Orthopaedic Surgeons, August 31-September 4, San Diego, CA

AANS, American Association of Neurological Surgeons, August 21-25, Orlando, FL

SCOA, South Carolina Orthopaedic Association, August 5-7, Kiawah Island, SC

ACESS, Association of Clinical Elbow & Shoulder Surgeons, July 29-August 1, Laguna Niguel, CA

AANS, CNS, Spine Summit 2021, July 28-31, San Diego, CA

State of Spine Surgery (Alex Vaccaro), June 25-26, Aruba, DWI

ISASS, May 12-15, Miami, FL

Cedars-Sinai, Symposium on Current Concepts in Spinal Disorders, January 30-February 1, Las Vegas, NV (Cancelled)

SPINE, Base to Summit, January 23-26, Vail, CO (Cancelled)

Prior Conferences

2020

CSRS, Cervical Spine Research Society, December 9-12, Las Vegas, NV

OSET, Orthopaedic Summit, December 8-12, Las Vegas, NV

SMISS, Society for Minimally Invasive Spine Surgery, October 29-31, Las Vegas, NV

EOA, Eastern Orthopaedic Society, October 28-31, Naples, FL

NASS, North American Spine Society, October 7-10, San Diego, CA

CNS, Congress of Neurological Surgeons, September 12-16, Miami Beach, FL

MASES, Mid-Atlantic Shoulder & Elbow Society, September 11, Washington, DC

SCOA, South Carolina Orthopaedic Association, August 6-9, Kiawah Island, SC

ACESS, Association of Clinical Elbow & Shoulder Surgeons, July 30-August 1, Dana Point, CA

THINK TANK, State of Spine Surgery (Alexander Vaccaro), June 25-27, Aruba, DWI

AANS, American Association of Neurological Surgeons, April 24-29, Boston, MA

AANS/CNS, Spine Summit 2020, March 5-8, Las Vegas, NV

SNS, Southern Neurosurgical Society Annual Meeting, February 26-29, Scottsdale, AZ

Cedars-Sinai, Symposium on Current Concepts in Spinal Disorders, January 30-February 1, Las Vegas, NV

SPINE, Base to Summit, January 23-26, Vail, CO

2019

OSET, Orthopaedic Summit, December 11-14, Las Vegas, NV

CSRS, Cervical Spine Research Society, November 21-23, New York, NY

OSN, Ocular Surgery News, November 15-17, New York, NY

SMISS, Society for Minimally Invasive Spine Surgery, October 31-November 2, Las Vegas, NV

CNS, Congress of Neurological Surgeons, October 19-23, San Francisco, CA

EOA, Eastern Orthopaedic Society, October 16-19, Palm Beach, FL

NASS, North American Spine Society, September 25-27, Chicago, IL

AAO-HNSF, American Academy of Otolaryngology, September 15-18, New Orleans, LA

WOA, Western Orthopaedic Association, July 31-August 3, Monterey, CA

SOA, Southern Orthopaedic Association, July 17-20, Amelia Island, FL

KASS, Korean American Spine Society, July 11-13, Vancouver, Canada

THINK TANK, State of Spine Surgery (Alexander Vaccaro), June 27-29, Aruba, DWI

AANS, American Association of Neurological Surgeons, April 14-16, San Diego, CA

AANS/CNS, Spine Summit 2019, March 14-17, Miami Beach, FL

AAOS, American Association of Orthopaedic Surgeons, March 12-16, Las Vegas, NV

SNS, Southern Neurosurgical Society Annual Meeting, February 20-23, Ocean Reef, FL

SPINE, Base to Summit, January 21, Vail, CO

ICJR, International Congress for Joint Reconstruction, January 17-20, Vail, CO

2018

OSET, Orthopaedic Summit 2018, December 4-8, Las Vegas, NV

EOA, Eastern Orthopaedic Association, October 17-20, Amelia Island, FL

NASS, North American Spine Society, September 26-29, Los Angeles, CA

SMISS, Society for Minimally Invasive Spine Surgery, September 6-8, Las Vegas, NV

WOA, Western Orthopaedic Association, August 1-4, Snowmass, CO

JWHS, John W. Hanbery Society, July 26-29, Maui, HI

SOA, Southern Orthopaedic Association, July 11-14, Palm Beach, FL

KASS, Korean American Spine Society, July 5-7, Napa, CA

COA, California Orthopaedic Association, May 31-June 3, San Francisco, CA

AANS, Annual Scientific Meeting, April 28-May 2, New Orleans, LA

SNS, Southern Neurosurgical Society Annual Meeting, February 28-March 3, Marco Island, FL

SPINE, Base to Summit, January 18-21, Beaver Creek, CO

 

2017

OSET, Orthopaedic Summit 2017, December 6-9, Las Vegas, NV

NASS, North American Spine Society, October 25-28, Orlando, FL

EOA, Eastern Orthopaedic Association, October 18-21, Miami Beach, FL

JWHS, John W. Hanbery Society, July 20-23, Deer Valley, UT

PNS, Pennsylvania Neurological Society, July 14, Hershey, PA

KASS, Korean American Spine Society, June 22-24, Wailea, HI

COA, California Orthopaedic Association, May 18-21, La Costa, CA

WVOS, West Virginia Orthopaedic Society, April 21-22, Roanoke, WV

2016

NASS, North American Spine Society, October 26-29, Boston, MA

PNS, Pennsylvania Neurological Society, July 22, Hershey, PA

COA, California Orthopaedic Association, May 19-22, Dana Point, CA

AANS, American Association of Neurological Surgeons, May 2-4, Chicago, IL

ISHLT, International Society for Heart & Lung Transplantation, April 27-29, Washington, DC

ASAPS, American Society for Aesthetic Plastic Surgery, April 1-5, Las Vegas, NV

AAOS, American Association of Orthopaedic Surgeons, March 1-5, Orlando, FL

 

2015

NASS, North American Spine Society, October 14-16, Chicago, IL

PNS, Pennsylvania Neurological Society, July 10-11, Hershey, PA

ASAPS, American Society for Aesthetic Plastic Surgery, May 16-18, Montreal, Quebec

AANS, American Association of Neurological Surgeons, May 2-6, Washington, DC

AAOS, American Association of Orthopaedic Surgeons, March 24-27, Las Vegas, NV

 

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Contact

Every relationship at SCM begins with an informal conversation about your goals for your financial life and legacy. Contact us today to learn more about how SCM’s comprehensive approach can help you accomplish those objectives.

484-367-0261

Surgeons Capital Management
12 Arlington Road, Suite 201
Devon, PA 19333

SCM works closely with Corporate & Endowment Solutions, or CES, a strategic alliance of SCM that offers corporate benefit and tax-favored planning strategies to high net worth individuals and organizations. CES offers a network of professionals with offices across the United States who are experienced and knowledgeable about these specialized benefits programs.

Client Portals

Surgeons Capital Management has access to the services of an industry leader to offer comprehensive investment products and services to our clients.

Corporate & Endowment Solutions, or CES, is designed for busy surgeons and executives who need immediate access to their account information. The Administrative Service Platform also provides institutional analytics to screen, track, and monitor investment managers on the CES platform.

Equitable Financial is a financial services company with a legacy of helping people look forward with courage, strength, and wisdom.

As your financial needs evolve, eMoney can help you graduate from a streamlined, goals-based approach to a sophisticated advanced planning solution.

©2015-2020. Corporate and Endowment Solutions, or CES, is a division of Equitable, which is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), and Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with main administrative headquarters in Jersey City, NJ.  Life insurance products issued by Equitable Financial and Equitable America are distributed by Equitable Network, LLC.  Financial professionals of Equitable Advisors offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA/SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC registered investment advisor.  Annuity and insurance products offered through Equitable Network, LLC, which conducts business in CA as Equitable Network Insurance Agency of California, LLC, in UT as Equitable Network Insurance Agency of Utah, LLC, in PR as Equitable Network of Puerto Rico, Inc.  Equitable Advisors and its affiliates do not provide tax or legal advice. Please consult your tax and legal advisors regarding your particular circumstances.  Individuals may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit https://equitable.com/crs to review the firm’s Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure.

Surgeons Capital Management is not a registered investment advisor and is not owned or operated by Equitable Advisors or Equitable Network.

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