Financial Advisor for Doctors & Medical Professionals
You've dedicated your career to helping others. We provide specialized wealth coordination for Physicians, Nurse Practitioners, PAs, and Medical Executives to ensure your financial life receives that same level of care.
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.
Medical Professionals We Serve
Specialized wealth coordination across the full spectrum of medical careers — each with its own complexity, compensation structure, and tax considerations.
Physicians & Surgeons
High tax brackets, practice equity, and preparing for the 2026 TCJA tax sunset.
Advanced Practice Providers
Tailored strategies for Nurse Practitioners and Physician Assistants focused on 403(b) and 457(b) optimization.
Nurse Executives
Managing complex leadership compensation, RSUs, and hospital benefit packages.
Medical Business Owners
Succession planning and asset protection strategies for private practices.
Download the Medical Professional's Wealth Coordination Checklist
The 7 tax and investment gaps most medical professionals miss. Get the same framework we use for our high-net-worth physician, NP, and executive clients.
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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.
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?
Our Proven Protocol for Medical Professionals
A clear, structured path from first conversation to ongoing coordination.
Define Your Retirement Runway
Clarify life goals, timeline, and what financial freedom looks like for you and your family.
Complete Your SCOT Analysis
Strengths, Challenges, Opportunities, and Threats across every part of your financial picture.
Coordinate Every Lever
Roth conversions, debt paydown, tax-efficient asset location, and retirement income sequencing.
Ongoing Proactive Management
Hands-on partnership with Ryan, Molly, and the ClearPath team year after year.
Coordinated planning across every part of your financial life.
Retirement Planning for Medical Professionals
Helping healthcare 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 medical families, 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
Your Financial Quarterback
We coordinate the specialists in your financial life so every decision moves in the same direction.
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.
Built on Independence, Trust, and Results
Privately-owned, local firm.
Fiduciaries working solely for our clients.
20 years serving clients (since 2006).
Managing over $235M for 140+ families.
99%+ annual client retention rate.
Meet Your Planning Partners
A short look at the people, philosophy, and process behind ClearPath.
Professional Designations
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.
Trusted by Professionals and Families Across Massachusetts
Clients share their experiences on our Google Business profile.
See Our Google ReviewsFrequently 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 medical professionals 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 medical professionals 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 is the right time to start formal 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—like navigating hospital retirement plan elections or managing high-income tax brackets—become more impactful.
Do you work with medical professionals who aren't doctors?+
Absolutely. Many of our clients are Nurse Practitioners, PAs, and Healthcare Executives. While the titles vary, the challenges—like navigating complex hospital benefit systems and optimizing high-income tax strategies—remain the same. We coordinate the full picture for all medical professionals.
Latest Insights for Medical Professionals
Practical guidance on the tax, retirement, and investment decisions facing today's physicians, physician assistants, nurse practitioners, and other healthcare professionals.
Beyond the 403(b): The Massachusetts Hospital 457(b) Distribution Trap
Massachusetts hospital physicians at UMass Memorial, Reliant, Saint Vincent, and MetroWest can shelter serious income in a 457(b) — but the distribution rules and creditor exposure can undo years of savings. Here's how to maximize the plan without walking into the trap.
The Six-Figure Tax Shield: Cash Balance Plans for Practice Owners & 1099 Doctors
Practice owners, partners, and 1099 physicians can layer a Cash Balance Plan on top of a Solo 401(k) to shelter six figures of income each year. A fiduciary look at the most underused tax strategy in high-income medical practices.
Hanging Up the Stethoscope: Transitioning Your Portfolio and Specialty Disability Insurance
Retiring from medicine isn't a light switch — it's an identity transition wrapped in a financial one. A deliberate guide to specialty own-occ disability coverage, practice equity, and building a portfolio income runway three to five years out.
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.
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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