Who We Serve at Annex Wealth Management includes business owners, women in transition and federal employees, with planning built around the cash your life actually requires.
Physicians and dentists often arrive with strong income, student debt, a late start on saving or a practice that competes with personal goals. The first useful number is usually monthly spending, not a portfolio target. Investments then have a job: fund that spending while you handle taxes, debt and work decisions.
Business owners need a personal cash-flow line
A practice can produce a good income and still make personal planning awkward. A dentist may be choosing between a cash balance plan, debt repayment and equipment spending; a physician may have uneven practice income and no clean monthly amount to invest.
Annex Wealth Management starts by separating the practice’s obligations from your household spending. Financial planning for doctors may include the 401(k), IRA, student loans and practice income in one review, because a decision that looks efficient in one account can strain the month-to-month budget elsewhere.
For illustration, suppose a physician has $30,000 in monthly practice income after business costs, $18,000 of personal and household spending, and $4,000 in student-loan payments. That leaves $8,000 before taxes and irregular costs. A proposed $6,000 monthly retirement contribution may look ambitious on paper, but it leaves only $2,000 for a tax payment, a slow month or a practice purchase. The spending plan catches the pressure before the portfolio does.
Cash balance plans for physicians can be useful in some cases, but a contribution that leaves no room for practice volatility is not automatically a good contribution. Annex Wealth Management examines the funding requirement, tax effect and cash reserve together.
- Map personal and practice cash flow
- Review retirement plan choices
- Separate tax reserves from spending cash
- Test debt payments against savings
Women in transition need decisions in the right order
A divorce, widowhood, inheritance or career change can rearrange income and account ownership quickly. Annex Wealth Management helps put the immediate cash needs on paper before discussing investment changes, because selling an account during a stressful month can create a tax bill or leave too little for living costs.
The practical sequence is short. First, identify what pays the next several months of spending. Next, collect the year-end statements, beneficiary paperwork, tax return and any benefits letter. Then separate decisions that cannot wait, such as an account retitling or required payment, from choices that deserve more time.
A hypothetical client receives $240,000 after a property sale and needs $6,000 each month for living costs. Holding twelve months of spending would set aside $72,000, leaving $168,000 for longer-term decisions before taxes and other obligations. That is not a recommendation; it is a way to make the cash requirement visible before choosing where the remainder belongs.
The honest limit is that investment planning cannot settle a legal question or replace tax advice. Annex Wealth Management can organize the financial questions and identify paperwork to discuss with the appropriate attorney or tax professional.
- Name the financial decision
- List accounts and obligations
- Mark the deadline
- Choose the cash source
- Record the next review
Federal employees have rules that deserve a separate review
Federal employees often coordinate a pension, the Thrift Savings Plan, Social Security and benefits elections. A strong salary does not make those choices automatic. Annex Wealth Management begins with the monthly spending plan, then tests which income sources may cover it and which accounts should remain invested for later years.
For a simple illustration, assume a federal employee expects $7,000 of monthly spending and $5,000 from pension and Social Security. The gap is $2,000 each month, or $24,000 each year. That figure gives the portfolio a specific job, although taxes, inflation, benefit timing and market losses still affect the decision.
A useful threshold is this: if guaranteed or expected income covers most essential spending, the review can focus more heavily on taxes, reserves and discretionary spending; if it does not, account access and market risk deserve earlier attention. Investments can lose value, and you may receive less than you invested.
Annex Wealth Management reviews the benefits letter, TSP information and other account statements together. The firm does not assume the highest benefit estimate is the best choice, particularly when a spouse, survivor benefit or continued work changes the household cash flow.
- Compare the pension estimate
- Check TSP and IRA balances
- Review survivor income
- Plan Medicare timing
- Reserve for tax payments
Everyone else still starts with the month
The three groups above are useful starting points, not a gate. Annex Wealth Management also speaks with clients whose main concern is late saving, student debt, a concentrated account, a career change or the cost of supporting a practice.
For physicians and dentists, Financial planning for doctors may bring together income, student loan planning, retirement accounts and practice decisions. The first question is practical: after taxes and required payments, how much must the portfolio provide each month?
The client minimum is $500K in investable assets. Fees are set out in a written agreement before work begins, so the cost can be considered alongside the value and scope of the work rather than guessed from a website.
Annex Wealth Management serves clients from coast to coast through online or phone reviews. The request form is the way to share the situation, including the spending need that makes the conversation relevant.
- List monthly spending
- Gather account paperwork
- Mark debt and tax deadlines
- Define the portfolio’s job
Business Owners
Annex Wealth Management helps business owners plan uneven cash flow, retirement plans and succession while separating company wealth from personal needs.
Learn more →Women in Transition
Annex Wealth Management helps women in transition review accounts, Social Security benefits, beneficiaries and a one-household spending plan.
Learn more →Federal Employees
Wealth advisor for federal employees at Annex Wealth Management: FERS supplement, TSP income draws, FEHB and survivor elections from a monthly budget.
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