Perhaps the best consulting and wealth management team in the united states
Physicians
Encompass Group
Retirement Strategy & Financial Leadership for Medical Practices
The Problem Physicians Face
High Earnings Should Equal High Wealth — But Taxes Are Eroding That Advantage
Most specialists pay 30+% between Federal and State income taxes, and traditional retirement plans simply can’t keep up:- Contribution limits cap your wealth-building
- Market volatility puts future income at risk.
- Required distributions force taxable income when you may least want it.
- Your dollar is worth less each year due to rising federal debt and tax pressure.
The Encompass Group Solution
Convert Today’s Income Into Guaranteed, Tax-Exempt Wealth
We design physician-specific plans that:
- Convert today’s income into lifelong, tax-exempt cash flow
- Outperform traditional plans—without relying on market returns
- Leverage IRS-approved codes already used by specialists nationwide
- Create predictable, contractually guaranteed outcomes
- Reduce risk, increase spendability, and protect your legacy
These aren’t theoretical concepts.
These are well-established, physician-vetted strategies built around Sections 101 and 162 of the Internal Revenue Code.
Certainty Over Volatility. Control Over Chaos. Results Over Hope.
Our physician-only strategy gives you:
🔹 Unlimited contributions
🔹 No income limits
🔹 Tax-exempt distributions for life
🔹 Built-in risk protection (including chronic illness benefits)
🔹 Guaranteed performance—not market speculation
If you’re paying more than 20% in taxes, this WILL impact your long-term wealth.
This is ideal for:
- Physicians earning $300k+
- Practice owners with high tax pressure
- Specialists planning for retirement income without volatility
- Those who want certainty and control over their tax future
- Physicians already maxing out their 401(k), SEP, or defined benefit plan
If you’re already doing “everything right,” this is the step that finally unlocks the next level.
Physicians across the country use this strategy for:
- Tax minimization
- Succession planning
- Wealth preservation
- Retirement income
- Asset protection
“Encompass Group helped us secure predictable retirement income and reduce our tax liability. We never knew strategies like this existed.”
— Surgical Practice Owner, Massachusetts
Ready to Keep More of What You Earn?
The strategies you don’t know about are the ones costing you the most.
Schedule a 30-Minute Discovery Call
Why Encompass Is Different & Credible
- Deep experience advising medical practices, especially the financial functions and retirement/executive compensation spaces.
- Blend of business strategy + financial certainty: not just theory, but helping clients implement systems, tax-efficient structures, and exit planning.
- Understanding of regulatory, operational, and market pressures in medicine (e.g. reimbursement, overhead, scheduling, compliance).
- Personalized & fractional leadership: you get expert level advice without needing a full in-house executive team.
- Partner-oriented: we work with your operations & financial teams to integrate these strategies with what’s already in place.
- Better retention of your top medical talent (physicians, CFOs, clinical leads) through competitive retirement & compensation packages.
- Reduced tax burdens and increased financial flexibility in your personal and business life.
- Predictable pathways for your own transition / exit from practice without leaving value behind.
- Peace of mind knowing you have a plan, not just hopes.
- A more financially stable, efficient, and motivated practice.
How It Works
- Discovery & Assessment
We meet with your leadership / financial team to understand current retirement benefits, compensation practices, long-term goals, and financial performance. - Strategic Design & Modeling
We propose tailored retirement / executive compensation solutions (qualified, nonqualified, cash balance, deferred comp, etc.) and model financial scenarios, tax impact, and retention outcomes. - Implementation Support
Helping with plan administration, compliance, partner selection (trustees, recordkeepers), benefit communication, internal workflows. - Ongoing Monitoring & Adjustment
Regular check-ins as regulation, tax law, practice revenue, and talent needs evolve; adapt the strategy so it keeps working.