For Medical Professionals
Financial Advisor for Doctors & Medical Professionals
You've dedicated your career to helping others. We help make sure your financial life is organized, coordinated, and working toward the future you want.
Fiduciary Advisors
CFP® Professionals
20+ Years of Experience
5-Star Google Reviews
Comprehensive Fee-Based Planning
The Reality
A Demanding Career Doesn't Always Leave Time for Financial Clarity.
Many medical professionals spend years focused on education, training, residency, practice-building, and caring for patients before they ever have time to step back and fully organize their own financial lives.
We often meet physicians and healthcare professionals who have done many things right financially — they've saved diligently, built successful careers, accumulated retirement accounts, investment portfolios, and valuable benefits — yet still feel uncertain about whether all the pieces are truly working together.
For many doctors, the financial complexity builds quietly over time:
- Multiple retirement accounts from different employers
- High ongoing tax exposure
- Deferred compensation plans
- Practice ownership considerations
- Pension and benefit decisions
- Helping children while supporting aging parents
- Investment portfolios without coordinated strategy
- Questions around retirement timing and sustainability
The challenge usually isn't a lack of discipline or income. It's a lack of coordination.
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Why Planning Matters
Small Financial Inefficiencies Can Become Expensive Over Time
As income grows and financial lives become more complex, the cost of disconnected advice can quietly compound over the years. We regularly see successful professionals who are:
- Paying more in taxes than necessary
- Holding accounts that aren't tax coordinated
- Taking too much or too little investment risk
- Over-concentrated in sectors or employer stock
- Missing opportunities for Roth conversions
- Unsure how pensions and accounts fit together
- Delaying estate planning decisions
- Supporting family without long-term clarity
Many physicians are so busy serving others that financial decisions become reactive instead of strategic. That's where a comprehensive planning process can make a meaningful difference.
Our Approach
Comprehensive Financial Planning Built Around Your Life
At ClearPath Financial Partners, we believe financial planning works best when all the moving parts are coordinated together — not handled in isolation.
Our process is designed to simplify complexity, reduce unnecessary stress, and help clients make thoughtful financial decisions with greater confidence.
We don't begin with products or investment pitches. We begin with conversations.
What's important to you?
What decisions are coming?
What concerns keep resurfacing?
What does an ideal retirement actually look like?
The 90-Day Protocol
Our Proven Protocol for Medical Professionals
A clear, structured path from first conversation to ongoing coordination.
1
Discovery
Define Your Retirement Runway
Clarify life goals, timeline, and what financial freedom looks like for you and your family.
2
Analysis
Complete Your SCOT Analysis
Strengths, Challenges, Opportunities, and Threats across every part of your financial picture.
3
Strategy
Coordinate Every Lever
Roth conversions, debt paydown, tax-efficient asset location, and retirement income sequencing.
4
Execution
Ongoing Proactive Management
Hands-on partnership with Ryan, Molly, and the ClearPath team year after year.
What We Do
Coordinated planning across every part of your financial life.
Retirement Planning for Physicians
Helping medical professionals transition from accumulation to sustainable retirement income with clarity and structure.
- Retirement income projections
- 401(k), 403(b), and 457 coordination
- Pension analysis
- Social Security timing strategies
- Roth conversion analysis
- Required minimum distribution planning
- Retirement cash flow modeling
- Healthcare and Medicare considerations
Investment & Portfolio Management
Investment management should support your life goals — not create unnecessary stress or speculation.
- Diversified portfolio construction
- Risk management
- Strategic rebalancing
- Long-term discipline
- Tax-aware investment management
- Coordination with retirement goals
Tax-Aware Financial Planning
For many physicians, taxes become one of the largest long-term expenses. We coordinate accounts to reduce unnecessary tax drag.
- Roth conversion strategies
- Tax-efficient withdrawal sequencing
- Capital gains management
- IRMAA planning
- Tax-efficient asset location
- Charitable giving strategies
- Collaboration with your CPA
Family & Legacy Planning
Helping clients balance children, aging parents, retirement, and the long-term impact of decisions on family.
- Estate planning coordination
- Trust and beneficiary reviews
- Family financial support planning
- Education funding
- Multigenerational planning
- Long-term care considerations
- Legacy and charitable goals
Coordinated Advice
Your Financial Quarterback
We coordinate the specialists in your financial life so every decision moves in the same direction.
ClearPath
Financial
Partners
Financial
Partners
CPA & Tax Strategy
Estate Attorney
Employer Benefits
Insurance & Risk
Investment Portfolio
Why ClearPath
Why Doctors and Healthcare Professionals Work With ClearPath
A Fiduciary Standard Matters
ClearPath Financial Partners operates under a fiduciary standard, meaning we are obligated to act in our clients' best interests. Our planning process is built around long-term relationships, transparency, and thoughtful advice — not product sales.
Guidance From CFP® Professionals
Ryan Kittredge and Molly Brown are CERTIFIED FINANCIAL PLANNER™ professionals specializing in comprehensive financial planning across retirement, tax, investment, estate, and risk management.
A Collaborative Planning Experience
Our clients work with a dedicated team that values responsiveness, communication, and proactive guidance. We intentionally maintain a boutique structure because meaningful planning requires real conversations.
Why Choose Us
Built on Independence, Trust, and Results
Independent
Privately-owned, local firm.
Transparent
Fiduciaries working solely for our clients.
Experienced
20 years serving clients (since 2006).
Trusted
Managing over $235M for 140+ families.
Loyal
99%+ annual client retention rate.
Get to Know Us
Meet Your Planning Partners
A short look at the people, philosophy, and process behind ClearPath.
Professional Designations
CFP®Certified Financial Planner
ChFC®Chartered Financial Consultant
EAEnrolled Agent
AEP®Accredited Estate Planner
Ryan M. Kittredge, CFP®, ChFC®, EA
President, Financial Advisor
Molly A. Brown, CFP®, AEP®
Partner, Financial Planner
Kelly Stadtherr
Client Service Associate
Lindsay McCarthy
Executive Assistant
While Ryan and Molly lead the strategic vision, Kelly and Lindsay provide the proactive service and coordination that busy medical professionals require. We are a nimble, deeply-resourced team built for long-term partnerships.
"My spouse and I have had the privilege of working with Ryan for over 15 years, and we can say without hesitation that he is truly exceptional. Trustworthy, intelligent, proactive, and deeply understanding — he embodies everything you hope for in someone guiding your financial future."
Michael Smith
8 months ago
"We began working with Ryan and Molly approximately 7 years ago… they have listened and guided us all along the way, investing our money in the most efficient and responsible way. They get to know you on a personal level and we feel 100% confident they have our best interest in mind. Communication and professionalism at its best!"
Robin Winkler
4 months ago
"I've worked with Molly Brown at ClearPath for several years and I'm always impressed with her extensive knowledge and attention to detail. Whenever I have an urgent question, she gets back to me immediately. I couldn't ask for a better financial planner to guide me through the complicated world of retirement finance. A+++"
Vicki Noble
2 months ago
"We have been working with Ryan Kittredge for over 10 years. He has helped us navigate a lot — from consolidating retirement plans to college savings — and we have appreciated his honest, straightforward help. He really cares about his clients and I highly recommend Ryan and ClearPath Financial Partners."
Linda Lemieux
3 years ago
"Liz and I feel very comfortable with Ryan. He always wants to know how we are doing and is always well prepared. Ryan and Co. have been able to find the right mix to smooth things out and soften the blow when markets fluctuate. We whole heartedly recommend ClearPath Financial."
Bob and Liz Pendleton
4 months ago
"Ryan has helped me tremendously with my finances. He has patiently answered all of my questions and concerns. I now have a better understanding of my finances and am confident that Ryan is looking out for my best interests regarding my investments."
Barbara Burak
3 years ago
CFP® ProfessionalFiduciary AdvisorLPL FinancialPrivate Advisor Group
FAQ
Frequently Asked Questions
What does a fiduciary financial advisor do?+
A fiduciary advisor is legally obligated to put clients' interests first when providing financial advice and recommendations.
Why do physicians need specialized financial planning?+
Medical professionals often face unique financial challenges including delayed earnings, high taxes, complex retirement benefits, practice ownership decisions, and demanding schedules that leave little time for coordinated planning.
What is the difference between a CFP® and a regular financial advisor?+
A CFP® professional has completed advanced education, examinations, ethical requirements, and ongoing continuing education focused on comprehensive financial planning.
Can ClearPath coordinate with my CPA and estate attorney?+
Yes. We regularly collaborate with clients' accountants and attorneys to help ensure investment, tax, retirement, and estate planning strategies are aligned.
How can physicians reduce taxes in retirement?+
Tax planning may involve coordinating retirement account withdrawals, Roth conversions, Social Security timing, charitable strategies, and tax-efficient portfolio management.
When should doctors begin retirement planning?+
The earlier the better, but planning becomes especially important during peak earning years and in the decade leading up to retirement when major decisions become more impactful.
From the Blog
Latest Insights for Physicians
Practical guidance on the tax, retirement, and investment decisions facing today's medical professionals.
Listen In
ClearPath on the Radio
Candid conversations on retirement, tax strategy, Social Security, and the financial decisions that matter most. Hosted by ClearPath President Ryan Kittredge on Radio Worcester.
Recent Podcasts
- How to Help Adult Children Financially Without Hurting Your Retirement
- Social Security Claiming Strategy and Impact of the Social Security Fairness Act
- Why the Final 3-5 Years Before Retirement Matter Most
- New Year Financial Reset: Tax Planning, Investing, and Goal Setting Tips
- How Life and Disability Insurance Plays a Role in Approaching Retirement
Ready to Build Your Coordinated Financial Plan?
Whether you're early in your medical career, approaching retirement, or navigating increasingly complex financial decisions, the ClearPath team can help you build a more coordinated and thoughtful long-term strategy.
Good financial planning should reduce stress — not add to it.
Phone
508-219-7221
Visit Us
Our Northborough Office
We meet clients in person at our office in Northborough, Massachusetts — a short drive from Worcester, MetroWest, and Greater Boston.
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