Orlando, FL Office

Physician Family Financial Advisors serves physician families and other individual clients, and it also advises a small number of employer‑sponsored retirement plans. The firm offers financial planning, investment guidance, and discretionary account management and identifies its mission as helping physician families move toward financial security while acting as a fiduciary under applicable law.

The firm’s investment approach emphasizes diversified, passive allocations—primarily index mutual funds and ETFs—combined with a balanced stock-and-bond mix, a fully invested stance, and tax-aware practices such as tax‑loss harvesting in accounts sub‑advised by Betterment. Managed accounts are monitored at least annually, and the firm may recommend or use sub‑advisors and custodians (including Betterment, Charles Schwab, and Altruist) depending on client needs.

Noteworthy operational features that distinguish the firm from many peers include a non‑AUM fee model (monthly membership fees and optional one‑time planning fees rather than percentage‑of‑assets fees) and an arrangement to cover Betterment’s sub‑advisory costs as part of membership. The brochure also discloses that the firm pays professional organizations to be listed as an advisor (used for referrals/endorsements), uses AI note‑taking software in video calls with an opt‑out option, and reports a recently resolved regulatory matter involving a representative’s late state registration.