Medical Financial Services

Care for your practice. Care for your life.

Penny Rudy helps physicians, dentists, and healthcare leaders turn complex income into a calm, lived-in plan for daily life and long-term freedom.

Treatments

Physician Wealth Planning

A holistic plan built around your specialty, your student loans, and the way real life shows up between shifts and weekends on call.

Practice Cash Flow Strategy

We tune your practice finances like a patient panel: steady, intentional, and designed to keep the lights on without burning you out.

Insurance & Risk Review

Disability, malpractice tail, life, and umbrella coverage reviewed against your actual risks, not a generic checklist from the carrier.

Home & Mortgage Planning

From the first attending contract to the forever home, we model the purchase, the refi, and the long view in plain language.

Tax-Smart Investing

Backdoor Roths, 401(k) mega backdoors, defined benefit plans, and taxable brokerage strategy coordinated with your CPA each January.

Life Transitions & Exit

Practice sale, partnership buy-in, sabbatical, divorce, or early retirement, we sit beside you for the conversations money makes harder.

The Procedure

01

A 20-minute hello

We start with a real conversation about your work, your worries, and what you want daily life to actually feel like.

02

Discovery deep dive

We gather your statements, contracts, and benefits so we can see the full picture you have been juggling alone.

03

The written plan

You receive a clear, plain-English roadmap covering cash flow, investing, insurance, taxes, and what to do this month.

04

Lived-in follow-up

We meet quarterly, adjust for new call schedules and life changes, and stay reachable between appointments when things shift.

Why Choose Us

Built for medical careers

We speak fluent RVU, contract, and partnership-buyout and translate every number into something that fits a human life.

Fiduciary, every time

No product sales, no commissions, no hidden third-party incentives. We are paid only by you, in flat advisory fees.

Privacy you can trust

Your financial life, patient data, and family details are handled with the same discretion you give your own patients.

Plain-English updates

Quarterly snapshots, annual deep dives, and explanations written for tired humans, not for compliance departments.

Client Stories

Penny translated my first-attending-year panic into a plan I could actually follow. I sleep on call nights now.
Dr. Maren K. — Internal Medicine, Class of 2022
She understands what it means to run a small practice and still be present at home. Our finances finally match our values.
Dr. Daniel & Sara O. — Pediatric Dentistry Owners

Let's talk about your next chapter

Book a complimentary 20-minute conversation. No pitch, no pressure, just a thoughtful first look at what your money could do for your life.

Schedule my hello call →