Service Features

Private Wealth Management Features

Dedicated Fiduciary Advisor

As a Private Wealth Management client of Athletes Financial, not only will you work directly with your own CFP® advisor, you’ll be working with one who understands the unique challenges and opportunities of a dental career.Plus, because of our fee-only compensation structure, you can be assured that your advisor will never be paid commission to sell you financial products.Call, text, email, or meet with your advisor anytime to receive objective, fiduciary, and personalized guidance.

Custom Portfolio Management

It might surprise you that Vanguard estimates for some people, using the right kind of advisor can add 3% in net returns each year; much more than a typical financial advisor may charge to help you. Read Vanguard's full report here to see how a combination of behavioral coaching, asset location, proper rebalancing, trading, and withdrawals can substantially alter your performance over time. Unfortunately, it's not as easy as just buying cheap index funds and putting things on autopilot.At Dentist Advisors, once your dashboard is built, and we have a complete and accurate view of your entire financial picture, we'll make adjustments to your current strategy, or put your strategy in motion for the first time. We'll build on what you already have—especially if it's already well positioned. We'll be cautious as we analyze the tax impact of any changes, and start to position your portfolio with cost-effective investments and a highly disciplined approach that captures value across countries, companies, currencies, and real estate. Your tax rate, liquidity,  cash flow, personality profile, time frames, and risk tolerance will all be factored into your investment strategy. As markets go through ups and downs, we’ll be your voice of reason to help you navigate adjustments and stay consistent when it's difficult to do so.

Financial Progress Tracking App

The Athletes Financial Planning App allows you to:
  • See all your financial accounts in one place
  • Measure your financial health through a scorecard of key indicators
  • Track your progress through periodic reports
 Because the app is a two-sided platform, our advisors (with your permission) can also access your scorecard and offer personalized insights during your 1:1 coaching sessions.

Collaboration with Your Team

Using a limited power of attorney, we will establish lines of communication with each of your professional contacts to request data and documents on a regular basis. In essence, we’ll be the quarterback of your service provider team and make sure your financial playbook includes the most up-to-date information from all the right sources. This allows us to complete much of our analysis behind the scenes without disrupting your busy schedule.

Quarterly financial reports

Along with a real time net worth summary, which you can always view on your dashboard, we will deliver quarterly net worth progress reports to show a historical view of your progress. The report includes a detailed breakdown of your assets and debts so it’s clear which factors are contributing to growth (or decline).

Quarterly Clients-Only Huddles

Each quarter, our financial advisors and other professionals provide updates and commentary about current events such as market conditions, tax policy, media headlines, and athletes' finance industry trends.

Work with a dedicated, certified advisor who specializes in financial planning and investment management for athletes.

Unrestricted access to a financial advisor who knows your situation and can hold you accountable. Call, text, or meet anytime to evaluate your progress and discuss important financial decisions. Our advisors are certified professionals who know sports careers and are vetted to the highest standards.

Investment Management Features

for Private Wealth Clients

Daily CFA® professional oversight

Daily trading, managed and monitored by our onsite CFA® professional, means that every dollar you invest is put to immediate use. Because we trade on a daily basis, we can react quickly to the moving parts in your portfolio and keep more of your cash invested.Tax-efficient Rebalancing is how we maintain the right ratio of stocks and bonds in your portfolio while minimizing the tax hit. Because performance of stocks and bonds fluctuates, we can use new deposits to keep your portfolio focused on the optimal outcome. This differs from “static” rebalancing where existing holdings are sold, which can create a tax liability.Strategic withdrawals means we’re thoughtful about the tax implications when you need to cash out an investment. We’re able to maintain the proper mix of stocks and bonds in your portfolio while minimizing the tax impact when you request a withdrawal from your account.

Tax-efficient rebalancing

Many investment firms try to minimize taxes, but personalized tax management can be challenging if your advisor does not have complete visibility into your overall net worth and cash flow. Your taxable investment accounts (like a brokerage account where you hold mutual funds or ETFs) will incur gains over time as your investments appreciate in value. Those gains are known as short term gains (appreciated investments that you’ve owned for less than a year) and long-term gains (investments you’ve owned for more than a year).As we make adjustments or changes to your account, we review any trades that might cause a taxable event, and assess other opportunities to improve your account performance without incurring the impact of capital gains taxes. As an example, we could make customized trades with new cash flow to rebalance your account without selling off appreciated stock, or make in-kind donations from your account instead of using cash for charitable donations. In some cases, it could make sense to sell off securities that are currently lower than when you purchased them, incurring a loss. By replacing them at the same time with a security with similar upside potential, we can maintain diversification without trying to time the overall market. No matter how we proceed, your advisor will review any significant taxable event to ensure that changes to your accounts are always thoughtfully implemented.

Custom portfolio construction

As an independent registered investment advisor, we aren’t limited to the investment styles, products, or companies we recommend. Although we have preferred partners that fit many of our investment philosophies (low-cost, broad diversification, and factor-based investing), we have clients with unique preferences or circumstances whom we accommodate alongside our core philosophy. As your income and wealth increase, you’ll likely unlock more investment preferences and interests. We believe that a low-cost portfolio of Dimensional, Vanguard, SPDR, or iShares mutual funds or ETFs, serves as an essential core to your overall asset mix, and for some people that may be all they ever choose to own. But if your final retirement portfolio contains a much more diverse set of investments, including real estate, individual securities, bond ladders, private placements or even an investment in your family burger franchise, you can count on our guidance to help make sure it all comes together within the context of a balanced, liquid and diverse strategy.

Access to Private Investments

We’ll help you understand when the timing is right for you to explore private investments as part of your financial strategy, and give you access to an array of alternative investments—such as private equity, real estate, and venture capital—that fit your unique timelines, needs, and goals. And if you have an investment opportunity you want us to review, we can help you with that too.

Enriching the lives of the mostambitious people in the world.