Helping Physicians Protect Their Families, Assets and Legacy
守护医者家庭 · 传承美好未来
We understand a physician's time, pressure and responsibility
Our founder, Hong Miller, graduated from China Medical University and practiced as a pediatric physician. She knows physicians start building wealth late, after years of training, and then face high income, high taxes, liability risk and relentless schedules.
Physicians give most of their time to patients and the least to their own finances. Physician Family Solutions follows the arc of a medical career — residency, early practice, practice ownership and retirement — with a plan that is concise, clear and actionable.
Tailored to physician families
Income Protection
A physician's greatest asset is the ability to earn. Disability income and life protection keep the family's life on track if the unexpected happens.
Practice Succession
Ensure your practice continues to thrive, even without you: partner buyouts, practice sales and transition planning.
Women Physicians Wealth Planning
Unique career, unique journey, unique planning — for maternity leave, family balance, career breaks and longer life expectancy.
Asset Protection
Beyond malpractice coverage, review how assets are owned to build a more complete layer of protection.
Tax Efficiency
High income brings high taxes. We work with your accountant on retirement plans and deferral strategies.
Family Legacy
Trusts, wills and life insurance working together so your hard-earned wealth cares for the people you love.
Avoid common mistakes that could impact your financial future
“I'll plan once my income stabilizes”
Protection is easier and less costly to arrange early; after a change in health, options can narrow significantly.
“My hospital's group coverage is enough”
Group coverage is often limited and may end when you leave — it may not match a physician's income and family needs.
“Malpractice insurance protects my assets”
Malpractice policies have limits and exclusions. How assets are owned matters just as much.
“I'll write a will later”
Young families especially need to name guardians and provide for children — the most basic purpose of an estate plan.
Questions physicians ask most
Should residents and early-career physicians start planning now?
We recommend starting early. Income is about to rise quickly and health is usually at its best — an ideal time to secure income and life protection.
We are a two-physician household. What is different?
Dual-physician families earn more but are equally busy. Childcare, protecting both incomes, coordinated asset ownership and higher taxes all need attention.
I own my practice. What happens to it when I retire?
Common paths include selling to a partner, selling to a health system or passing it to family. The earlier you plan, the better your chance of a favorable valuation and timeline.
You care for your patients. We help care for your family's finances.
Meetings can be scheduled around your clinical hours, online or in person.