You diagnose risk every day.
Now’s the time to address the risks in your own wealth plan.

As a physician, you know how quickly the unexpected can disrupt even the best-laid plans. The same holds true in financial markets, especially during times of volatility.

When markets shift, so does your exposure. Lawsuits, rising liabilities, and investment risks can all pose new threats to the personal wealth you’ve spent years building. That’s why we believe physician wealth planning market volatility requires a unique, layered approach.

At Finley Davis Private Wealth, we help physicians implement strategies that go beyond investment management because your lifestyle, your future, and your practice deserve more than just a one-size-fits-all portfolio.

Here are a few areas we often address with physicians during uncertain market cycles:

1. Layer Asset Protection Tools to Limit Exposure

Even the most careful physicians are exposed to litigation risk, professionally and personally. A downturn can heighten this, especially if personal assets aren’t properly shielded.

We help evaluate:

• Use of asset protection trusts (APT or DAPT)
• Separating investment assets into LLCs or FLPs
• Umbrella insurance coverage limits and policy gaps

These measures may not eliminate risk, but they can create meaningful layers of defense.

2. Restructure Practice Ownership for Flexibility and Risk Control

How your practice is owned – and how income is distributed – affects your liability, taxes, and long-term options.

During volatile markets, we often help physicians:

• Shift income-generating assets (like real estate) into separate entities
• Explore Management Services Organizations (MSOs) to separate operations and liability
• Reevaluate flow-through entity selection (S-Corp vs. partnership)

These structures can help protect both your practice and your personal wealth.

3. Rethink Retirement Plan Design for Volatile Markets

If your plan hasn’t been updated in years, volatility may be the right reason to take a closer look.

Consider:

• Adding a cash balance or defined benefit plan for higher tax-deferred savings
• Adjusting allocation to reduce overconcentration
• Evaluating whether a Roth conversion during low-valuation periods may help future tax positioning

Retirement plans should evolve with your income and lifestyle goals, not remain static.

4. Ensure Liquidity Can Support Your Life

You may be asset-rich, but is your wealth liquid enough to support the unexpected?

In a volatile environment, we help physicians:

• Evaluate cash and credit line access
• Segment reserves for personal, professional, and opportunity needs
• Reduce reliance on long-term investments for short-term goals

Liquidity is what keeps a solid plan from becoming a fragile one.

5. Reaffirm Your Vision and Build Around It

Ultimately, physician wealth planning during market volatility isn’t just about defense, it’s about staying aligned with what matters.

We help our clients take a step back and ask:

• Does my financial strategy support my ideal lifestyle now and later?
• If I needed to change my schedule or step away, is that plan in place?
• Is my plan built for freedom, not just income?

Your plan should evolve as your career does and allow you to make decisions from a place of strength.

Let’s Build a Strategy That Moves With You

At Finley Davis Private Wealth, we help physicians navigate complexity with clarity. Whether you’re running your practice, thinking about retirement, or rethinking what financial independence looks like, our team is here to help you build a resilient, personalized strategy.

—-

Past performance is no guarantee of future results. Personnel of Risk Bridge Advisors, LLC (“RiskBridge”) prepared this material. The views expressed herein do not constitute research, investment advice, or trade recommendations. RiskBridge may, from time to time, participate or invest in transactions with issuers of securities that participate in the markets referred to herein, perform services for or solicit business from such issuers, and/or have a position or effect transactions in the securities or derivatives thereof.

This material is distributed for informational purposes only. All material presented is compiled from sources believed to be reliable, but accuracy cannot be guaranteed, and RiskBridge makes no representation as to its accuracy or completeness. Any opinions, recommendations, and assumptions included in this material are based upon current market conditions, reflect the judgment of RiskBridge as of the date indicated, and are subject to change without notice. You acknowledge and agree that RiskBridge is not obligated to provide any additional information or update such information in making the information available. Securities and/or indices highlighted or discussed in this communication are mentioned for illustrative purposes only and should not be construed as investment recommendations. All investments involve risk, including the loss of principal. Before implementing any strategy, consult with a qualified financial adviser and/or tax professional. This information is not intended to provide investment, tax, or legal advice, and this material is not to be relied upon in substitution for the exercise of independent judgment. This material is not to be reproduced, in whole or part, without the written consent of RiskBridge.

_{Tax and legal services are not provided by Lion Street Financial, LLC, and Lion Street Advisor, LLC.}