Fee-Only Fiduciary | Denver, Colorado & Nationwide
Financial Advisor for Physicians
Fee-only financial planning and investment management for physicians with $1 million or more in investable assets, with a focus on retirement, taxes, income, and long-term financial decisions.
Schedule an Intro Call Services & FeesInclinevest Wealth Management is a fee-only fiduciary financial planning and investment management firm based in Greenwood Village, Colorado, serving physicians and their families throughout Colorado and across the United States. Gabriel Motta, CFP®, MBA, works with physicians who have $1 million or more in investable assets and want their investments, taxes, and retirement income coordinated in one plan.
Financial planning for physicians can become more complex as retirement approaches. Decisions about retirement accounts, taxes, Social Security, Medicare, portfolio withdrawals, and the timing of retirement need to work together rather than being considered separately.
Retirement Planning for Physicians
Retirement planning for physicians is about more than determining a target portfolio balance. We look at how your investments, retirement accounts, taxes, Social Security, Medicare, and expected spending fit together before and after you stop working.
Knowing when you can retire
Evaluate your assets, spending, income sources, and retirement timeline to determine whether your current plan supports the retirement you want.
Tax-efficient withdrawals
Coordinate taxable, tax-deferred, and Roth accounts when deciding where retirement income should come from and when Roth conversions may make sense.
Social Security and Medicare
Consider the timing of Social Security and Medicare alongside your retirement income, tax strategy, and other sources of cash flow.
Creating retirement income
Develop a withdrawal strategy that connects your investment portfolio with your spending needs and other retirement income sources.
Financial Planning for Physicians
Your financial decisions become more interconnected as your assets and income grow. We coordinate investment management, tax planning, retirement income, and major financial decisions as part of one ongoing relationship.
Investment management
Manage your portfolio around your retirement timeline, income needs, risk tolerance, and broader financial plan.
Tax planning
Evaluate tax planning opportunities as part of your overall financial plan, including retirement withdrawals and Roth conversions.
Retirement income
Turn accumulated assets into a sustainable retirement income strategy while considering taxes and other sources of income.
Major financial decisions
Coordinate investment and planning decisions when your career, income, family circumstances, or retirement timeline changes.
Why Physicians Work With a Fee-Only Fiduciary
Inclinevest Wealth Management is an independent, fee-only fiduciary firm focused on ongoing financial planning and investment management. Learn why fee-only fiduciary advice matters.
Paid by you only
No commissions and no product sales. Our compensation comes directly from the clients we serve.
Integrated planning
Investment management, retirement planning, tax strategy, and income planning are considered together.
CFP® professional
Planning and investment management are handled by Gabriel Motta, CFP®, MBA.
Independent custody
Your investment assets are held at Charles Schwab in your name.
Personal attention
Most meetings are conducted by video, with in-person meetings available when needed at our Greenwood Village office.
Serving Physicians in Denver, Colorado, and Nationwide
Inclinevest is based in Greenwood Village and works with physicians throughout the Denver metro area and Colorado, as well as clients across the United States. Most meetings are conducted by video, making an ongoing advisory relationship convenient regardless of location.
Local clients can meet in person when needed at our Greenwood Village office. For clients outside Colorado, our planning and investment management relationship is conducted primarily through video meetings and secure digital communication.
Frequently Asked Questions
Financial Planning Questions Physicians Often Ask
When should a physician start retirement planning?
Ideally, several years before retirement. The earlier you coordinate your retirement income, investments, taxes, Social Security, and spending needs, the more opportunity you have to make informed decisions before leaving practice.
How much does a physician need to retire?
There is no single number that applies to every physician. The answer depends on spending, other income sources, taxes, portfolio size, and when you plan to retire. We evaluate those factors together rather than relying on a generic retirement number.
Should physicians consider Roth conversions?
Roth conversions can make sense in some situations, but the decision depends on factors such as current and future tax rates, retirement timing, the amount converted, and how the tax will be paid. We evaluate conversions as part of the broader retirement and tax plan.
How should physicians withdraw money in retirement?
The right withdrawal strategy depends on the types of accounts you have, your income needs, taxes, Social Security, and your broader retirement plan. We coordinate these decisions rather than treating each account separately.
Do you work with physicians outside Colorado?
Yes. Inclinevest works with clients across the United States. Most meetings are conducted by video, so location does not need to be a barrier to an ongoing financial planning and investment management relationship.
What's the minimum to work with you?
We typically work with individuals and families who have $1 million or more in investable assets. If you're not sure whether you fit, schedule an intro call.
Talk Through Your Situation
Schedule an intro call to discuss your situation and see whether we're a good fit.
Schedule an Intro Call