Physician-Led Wealth Management

Institutional Strategy.
Physician Focus.

At Ascent, we bring endowment-caliber portfolio management to physicians — rooted in Columbia's ninety-year investment tradition.

Physician-Led
MD + MBA
Columbia
Pedigree
Institutional
Strategies
Fee-Only
Fiduciary
High income. Generic advice.
That's the problem.

Compressed Timeline

A late start from training means every year of optimized investing matters more. Most physicians have 25 years to build what others get 40.

Complex Tax Landscape

W-2s, 1099s, 403(b)s, 457(b)s, backdoor Roths, entity structures. The optimization opportunities are real — and most advisors miss them.

Limited Bandwidth

Rounds, clinic, call schedules, administrative duties. You need a strategy that compounds without your constant attention.

Institutional Access Gap

Factor investing, managed futures, private credit — reserved for endowments and pensions. Until now.

Four pillars. One integrated strategy.
01

Financial Planning

Debt optimization, insurance, cash flow, and retirement projections — mapped to a physician's earning curve, not a generic template.

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02

Investment Management

Factor-based portfolios rooted in Columbia's value investing tradition. Two models, built to outperform across full market cycles.

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03

Tax Planning

Proactive optimization coordinated with your CPA. Entity structuring, retirement maximization, and strategies specific to physician compensation.

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04

Estate & Wealth Transfer

Asset protection, trust structures, and generational wealth transfer. Built to preserve what you've earned and reflect your values.

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Your advisor speaks both
MD and MBA.

Physician-Led

Trained in pulmonary and critical care. Serving as hospital CMO. We understand residency, partnership tracks, contracts, and the weight of clinical life — because we live it.

Columbia Pedigree

Graham and Dodd. Buffett. Andrew Ang. Our investment framework was studied where it was created — not borrowed from a sales brochure.

Aligned Interests

We invest our own capital in the same portfolios we build for you. No commissions, no product sales. Our money is next to yours.

Institutional Access

Factor equity, managed futures, private credit, real assets — the same building blocks behind the world's greatest endowments, sized for physicians.

Fee-Only Fiduciary

Transparent advisory fee. No commissions, no revenue sharing. Your assets held at a leading independent custodian. One incentive: your success.

Beyond Portfolios

Contract guidance, debt strategy, practice decisions, life transitions. We're available for the big calls — not just quarterly reviews.

MD
Pulmonary & Critical Care
MBA
Columbia Business School
CMO
Hospital Executive Leadership
RIA
Registered Investment Advisor

Your career demanded sacrifice.
Your wealth strategy shouldn't.

Complimentary consultation. No sales pitch.

Start the Conversation →

Physician. Executive.
Fiduciary.

We manage wealth the way we practice medicine. With evidence.

From Columbia's classroom
to your portfolio.
Columbia 1934
Graham & Dodd
Value Investing
Columbia 1951
Warren Buffett
Quality Compounding
Columbia 2014
Andrew Ang
Factor Architecture
Your Portfolio
Ascent
Physician-Sized Implementation
A three-layer approach built for
all market environments.
Each layer serves a distinct purpose. Together, they create portfolios designed to grow in good times and protect in bad times.
Foundation
55–65%

Core Growth Engine

Institutional-quality factor equity strategies capturing value, quality, and size premiums. Global diversification across developed and emerging markets through systematic, research-backed funds.

Enhancement
20–30%

Non-Correlated Strategies

Managed futures, private credit, and market-neutral strategies that zig when traditional markets zag. These are the positions that protected capital during 2008, 2020, and 2022.

Tactical
15–25%

Real Assets & Income

Energy infrastructure, real estate, commodities, and inflation-protected securities. Real assets that generate income and provide a natural hedge against the inflation that erodes physician purchasing power.

The principles are institutional.
The focus is yours.

Let's discuss how this applies to your situation.

Schedule a Consultation →

Comprehensive wealth management,
designed for physicians.

From your first attending paycheck to generational wealth transfer, Ascent provides integrated guidance across every dimension of your financial life.

Service 01

Financial Planning

Your complete financial roadmap.

A physician's financial life is more complex than most professionals'. Compressed earning timelines, significant student debt, multiple retirement vehicles, disability insurance decisions, and the constant tension between deferred gratification and lifestyle — these require a plan that understands the physician lifecycle.

We build comprehensive financial plans that integrate every element of your financial picture into a cohesive strategy, then adjust as your career evolves from early attending to peak earning to pre-retirement.

Student loan optimization strategy
Cash flow and budgeting analysis
Disability & life insurance review
Retirement projections & goal setting
Practice ownership guidance
Employment contract review
Service 02

Investment Management

Endowment-caliber portfolios, physician-sized accounts.

Our investment approach is rooted in the Columbia Business School tradition of evidence-based, factor-driven portfolio construction. Every position traces to a specific body of research — value premiums documented by Graham and Dodd, quality compounding demonstrated by Buffett, and the factor architecture framework developed by Professor Andrew Ang.

We offer two model portfolios — Ascent Growth and Ascent Conservative — each diversified across return drivers, not just asset classes. Both are held at a leading independent custodian, produce no K-1 tax forms, and maintain 92%+ daily liquidity.

Factor-based portfolio construction
Two models for different career stages
Managed futures & alternatives access
Custom blending available
Lifecycle glide paths
Independent custodian, no K-1s
Service 03

Tax Planning

Proactive optimization, not reactive preparation.

Physician compensation structures create tax optimization opportunities that generic advisors frequently miss. Between W-2 income, 1099 moonlighting, rental properties, retirement account maximization, and entity structuring — the gap between a reactive tax preparer and a proactive tax strategist can be worth tens of thousands of dollars annually.

We coordinate directly with your CPA to implement strategies that minimize your lifetime tax burden while keeping your portfolio tax-efficient. Different investment strategies for pre-tax retirement accounts versus taxable accounts is just the starting point.

Retirement account maximization
Backdoor Roth strategies
Tax-loss harvesting
Entity structuring guidance
CPA coordination
Tax-efficient portfolio implementation
Service 04

Estate & Wealth Transfer

Protecting what you've built. Transferring what matters.

Estate planning for physicians goes beyond a basic will. Asset protection from malpractice exposure, trust structures for wealth preservation, strategic philanthropy, and multi-generational wealth transfer all require thoughtful coordination between your financial plan, your legal counsel, and your values.

We work alongside your estate attorney to ensure your wealth transfer plan reflects not just your financial goals, but your vision for your family's future.

Estate plan design & review
Trust structures & funding
Asset protection strategies
Philanthropic planning
Beneficiary coordination
Attorney coordination
Every stage of the physician lifecycle.
Your financial priorities shift as your career evolves. Our approach evolves with you.
Early Career

Residents & New Attendings

Student debt strategy, first real income allocation, disability insurance, building the foundation. Ages 28–35 with a 30+ year horizon.

Growth Phase

Established Attendings

Aggressive wealth building, tax optimization, practice ownership decisions, real estate, maximizing retirement contributions. Ages 35–50.

Peak Earning

Senior Physicians & Leaders

Portfolio consolidation, alternative investments, estate planning initiation, executive compensation optimization. Ages 50–60.

Transition

Pre-Retirement & Beyond

Income generation, wealth preservation, distribution strategy, wealth transfer, legacy planning. Ages 60+ approaching or in retirement.

Built for physicians who demand more
than a generic 60/40.

Tell us where you are in your career. We'll show you what's possible.

Schedule a Consultation →

Let's start the conversation.

Your next step is simple: a complimentary consultation to discuss your goals and whether Ascent is the right fit.

Request a Consultation

Fill out the form below and we'll be in touch within one business day.

Reach Out Directly

Email milan@ascentphysicianwealth.com
🌐
Website ascentphysicianwealth.com
📅
Schedule Directly Calendly link coming soon

What to Expect

1
Initial Consultation — A complimentary conversation to discuss your goals and whether Ascent is the right fit. No sales pitch.
2
Portfolio Analysis — We review your existing investments, identify opportunities, and show you what an institutional approach looks like for your situation.
3
Custom Strategy — A personalized portfolio and financial plan aligned with your career stage, risk tolerance, and long-term objectives.