Aptus

Aptus Financial provides flat-fee, advice-only financial planning services targeted to early-career attending physicians and other young professionals. Aptus does not manage its clients’ assets. Instead, clients manage their own investments in their own accounts with Aptus’s guidance and detailed recommendations. Aptus also does not sell any products. Thus, Aptus advisors can give advice that is free of any significant conflicts of interest.

Aptus’s planning process and investment advice is designed to educate and empower clients. Aptus helps clients determine a savings rate consistent with their goals, optimize their spending, retire student loans, build cash for practice buy-ins, automate cash flows, evaluate insurance, and invest with their own accounts simply and effectively.

Aptus’s ideal clients are eager DIYers who embrace a philosophy of simplicity and are willing to implement their financial plan with Aptus’s advice and assistance.