Health Care Professionals

Assisting Those who Protect Us

Working in the medical field, your primary focus is on helping others: providing care, comfort, and treatment to the people who need it should remain your top priority. As important as a secure financial future is, time spent managing your personal wealth portfolio can be a stressful detractor from doing what you do best – saving and improving lives.

You worked hard to get to where you are, and you deserve to live well.

Living well may be defined differently from person to person, but from a financial perspective, we believe you should be living well with financial confidence. Financial confidence is driven by building and executing a financial plan.

As a healthcare professional you have advanced education and training. This means a few things. You are probably starting your career a little later than some of your peers, being tax efficient is important as your income is probably above average, and you might be starting your working years with a high level of student loan debt.

In the beginning your income is your most important asset. Your job will keep you busy and I am sure you have many goals. Your free time should be spent on you, not on figuring out your financial circumstance. Share your goals with us and let us help you make smart decisions through the process of building a financial plan. The plan will yield more predictable outcomes and keep your wealth building on track, so that you always have control of your financial confidence.

Our team is dedicated to planning for a future that empowers you to live your best life and to do so with confidence. You will partner with advisors who follow a fiduciary standard to build, monitor, and maintain a comprehensive financial plan that includes Lifestyle Planning, Financial Planning and Wealth Management.

Smart wealth building is done with a good strategy. David Ayala believes that a good investment is only as good as how it fits into the plan. Otherwise, it is just another product. He also believes that it should be kept simple. In client referral reviews, he has often witnessed that the more complex products yield the most unpleasant investor experiences. In short, David’s advice is do not just throw money at a product because you can. Instead build an intelligent adaptable plan and execute on high quality investment choices to live a financially confident life.

Why Use A Fiduciary Advisor

Whether you are students, graduates, or current professionals of a health care profession, most know you are hard-working and passionate individuals who always had a clear vision.

Fiduciary Advisors are there to listen, understand, and help them define your vision.

Advisors are there so you don’t have to spend time making sure their endeavors will work from the financial perspective. 

Student Loan Debt

As a student comes out of their medical/healthcare professional programs, they should be very proud of what they have accomplished because they have devoted a lot of time and hard work into completing the training but with a cost of a large amount of debt. 

You want to know, or should know, how income repayment works, what loans qualify for different programs, and even what loans qualify for forgiveness. There are strategies that can put in place now that you may want to use to help eliminate the debt faster.

Higher Income and Higher Taxes

As a healthcare professional today, you should have a strong income and job security. Nobody complains about having a high income but having high income means higher taxes.

Where you put your money can affect your taxes today, where your money ends up can affect your taxes later. As a health professional and high-income earner, you may also aspire to do things like own a second home or start a practice and own the building that your practice is in.

Capitalizing Your Practice

If you own or your goal is to own your own practice, clinic, or other business, have you thought about your exit strategy?

What level of financial investment and time have you or are you willing to put into it, and how do you get MORE than that back when it is time for you to walk away?

Your advisors can help model the different scenarios and outcomes and connect them to the right resources so they can make informed confident decisions.

At Heritage Wealth Solutions, we provide professional assistance in a wide variety of areas. However, our sevice areas of specialty can be easily divided into three main categories: Investments, Financial Planning, and Insurance.

Investment Services

  • Bonds
  • Mutual Funds
  • Common Stock
  • ETFs
  • Educational Savings
  • Roth IRA
  • SEP IRA
  • Simple IRA
  • 401k Plans
  • Government Securities
  • Variable Annuities

Financial Planning Services

  • Retirement Plans
  • Profit Sharing Plans
  • 401k Planning
  • 403b Planning
  • College Funding
  • Estate Plans
  • Money Management
  • Social Security Planning
  • Pension Planning
financial planning services
Single income family wealth

Insurance Services*

  • Disability Income Insurance
  • Life Insurance
  • Long Term Care Insurance
  • Group Life Insurance
  • Group Disability Insurance
  • Hybrid Insurance

*some insurance services provided through Raymond James

Contact David Ayala Today!

David Ayala is one of the partners here at Heritage Wealth Solutions, and a specialist when it comes to wealth management for medical professionals. If you’re looking for help to increase your financial security so you can keep your focus on healing, contact David today for a consultation.

David 2

David Ayala

Wealth Management Advisor, RJFS