We help physicians make smarter financial choices so they can have more life choices

After working with hundreds of physicians, we know you want a financial plan that gives you freedom. But you are busy. Really busy. The time it takes to research, design, and implement a rock solid financial plan is overwhelming — especially considering how easy it is to lose momentum if you get off course.

At Virtuous, we help physician families define their financial goals. Then, we take a hands-on approach to make sure they achieve them.

We work with physicians at all stages of their life

Be it starting of your career, peak earning phase or your retirement phase, we help you to make the right financials choices.

Start-up phase

Looking to pay your education loan faster, Want to create a budget for further specialization, Need help in starting an investment plan, Thinking how to finance the life you had desired,Planning to invest in a home or thinking of buying your dream car, Want to create an emergency fund, Evaluating alternate streams of income - Look No Further


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Peak Earning phase

Need help in shrinking your debt, Having difficulty in controlling tax outgo and managing cash flows, Looking at reducing investing cost, Looking to set up your own practice or need suggestions on the best professional indemnity insurance, Having difficulty in organizing your investment and insurance portfolios, Want a professional to coordinate with your Chartered Accountant - We Can Help

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Cooling off phase

Planning to retire soon or cut down your practice, Want to create a long lasting spending plan for your hard earned retirement corpus, Looking to moderate your real estate portfolio, Want to review your estate and wealth transfer plans, Understand the options if you were to lose your health in retirement, Eager to give back to the society - Let Us Handle It


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We create solutions for problems that are unique to physicians

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How We Help Our Clients

As physicians, your career can be demanding, making it a challenge to balance your personal and professional life.You don't need the added stress of self managing your finances.

We’ve made every effort to ensure that from your first year as a client and beyond, we deliver a truly superior client experience. We will stay in close contact with you, so you’ll never have to wonder if you are on track to meet your financial goals, or how your investment portfolio is performing.

We’ll have a series of meetings as we begin the relationship – Discovery, Planning & Investments. Once we have an ongoing relationship, we’ll meet with you on a regular basis to update on your entire investment portfolio and also answer any questions that arise. In addition, we’ll have as many calls, emails, or web conferences as you like. We want the level of communication tailored to you.

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Our goal at Virtuous is to take care of you while you take care of your patients.We’re accessible when you are - in the evenings after you get your kids to bed ,during your commute home,or in between patients.

Who can be a typical client and who are not our typical clients

Do—

  • Want a long term relationship with us
  • Want to follow the recommendation of an expert and have the willingness to trust that we want them to succeed as much as they do
  • Respond to emails and requests in a timely manner and are active and engaging throughout the planning process
  • Have the motivation and desire to learn about their finances and better their financial situation

Don’t—

  • Rely on the commentary of TV personalities for sound financial advice
  • Try to time the market and worry about the market’s daily movements
  • Expect to work with us for only than a few months or for a specific interaction
  • Ignore expert opinion because a friend or family member provide conflicting information

What to Expect in Your Consultation:

You’re interested in reaching out. Great! You’re probably wondering what to expect when you do. Let’s get you familiarized with our planning process.

GET ORGANIZED

We'll look at what currently exists (and what doesn't) in your financial life, then evaluate what adjustments to make to achieve what you want with your money. This includes identifying opportunities to leverage as well as challenges we may need to address.

SET PRIORITIES

We’ll discuss your thoughts and ideas about what's most important to you. Once we understand what you want to achieve, or want more of in life, we'll assign a priority rank to each goal and develop an ideal timeline for achieving each.

CREATE YOUR STRATEGY

We’ll look at the various paths you could take, evaluate probabilities of success and reasonable outcomes for each, then make a decision that aligns with your goals and values to allow you to enjoy your life now while also building wealth for the future.

INVEST WISELY

We explore various tools and solutions that can accelerate how you grow wealth, and will set a specific strategy to help you develop assets in a way that supports your goals. We also tune out the noise so you can focus on signals that really matter to your investments.

IMPLEMENT & PROGRESS

Now you can flip the “ON” switch and implement your investment plan. Virtuous provides accountability, guidance, and suggestions along the way, and just as a personal trainer pushes you in the gym, we will coach you to get more from every rupee you use or invest.

REVIEW & ADJUST

If there’s one thing we can guarantee, it’s that life changes. Financial investment plans should evolve and change, too. We’ll periodically review and adjust your strategy so that it remains in line with your current financial reality, and your views about the present and the future.

We work with clients across the country and allow them to meet with us in the comfort of their own homes at a time that is convenient for them.

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