Yes. To be eligible for an ongoing advisory relationship, clients typically meet one of the following criteria:

– Annual household income of $400,000 or more, or – $600,000 or more in investable assets to be managed.

This helps ensure my ongoing services align with your financial complexity and long-term planning needs.

In general, it takes about three to four weeks to complete the One-Time Financial Plan process.

Yes. As an Investment Advisor Representative and as a CERTIFIED FINANCIAL PLANNER® professional, I operate in a fiduciary capacity.

This means I am legally and ethically obligated to act in your best interest, placing your needs ahead of my own at all times.

Yes. After completing the One-Time Financial Plan, I will walk you through the available options for an ongoing advisory relationship.

Every client begins with the One-Time Plan. From there, we’ll make a joint decision about whether a longer-term partnership is the right fit for your needs and goals.

The One-Time Financial Plan is a flat fee of $2,500, with no obligation to continue beyond the plan.

• $1,250 is due prior to the data-gathering meeting

• $1,250 is due upon delivery of the completed plan

The Financial Planning Partnership is $500 per month for those with less than $600,000 in assets under management. For those with over $600,000 in Assets Under Management, a 1% fee schedule applies.

Yes. The continuous partnership includes ongoing investment management as part of the advisory relationship.

You will have full access to your investment accounts, including online login credentials, through a qualified third-party custodian such as Charles Schwab, Fidelity, or Betterment. Your advisor will have limited trading authority to manage the accounts on your behalf, based on the agreed-upon investment strategy.

Yes. Guidance on backdoor Roth IRA strategies is included as part of the One-Time Financial Plan, when appropriate based on your income, tax situation, and overall financial goals.

Yes. Because I specialize in serving physicians, it is routine for me to provide guidance relating to these government/non-profit retirement plans.

Yes. Many of my clients have retirement accounts from previous employers, and I routinely help them evaluate their options. I'll provide guidance on whether it may make sense to:

• Leave the account where it is

• Roll it over into an IRA or Roth IRA

• Consolidate it into a new employer-sponsored retirement plan

My advice is based on your personal financial situation, investment options, fees, and tax implications, with the goal of helping you make an informed decision.

Yes. A vast majority of my physician clients have own occupation individual disability insurance. Caligiuri Financial can help you determine how much individual disability insurance to obtain and which insurance carrier to purchase it from.

I can provide personalized guidance as part of your One-Time Financial Plan to help you evaluate whether a physician loan or a conventional mortgage is better suited to your financial situation. Caligiuri Financial maintains relationships with loan officers who specialize in physician mortgages at various banks. While I don’t originate loans or receive compensation for referrals, I'm happy to connect you with lending professionals and help you understand the pros and cons of each option based on your goals, debt, and cash flow.

While it may seem like a simple question, there’s rarely a one-size-fits-all answer. Every client’s situation is different.

As part of your One-Time Financial Plan, I'll evaluate key factors such as:

• Your cash flow forecast

• Your current debt balances and interest rates

• Your emergency savings and liquidity needs

• Your ability to contribute to retirement or other investment accounts

• The broader economic environment

Our goal is to help you strike the right balance between reducing debt and building long-term wealth—based on your financial goals, risk tolerance, and stage of life.

Yes. Student loan guidance is included as part of the One-Time Financial Plan.

In many cases, I'll refer you to a specialized student loan consultant for a complimentary consultation. Once you receive their recommendation, I’ll review it with you and offer our perspective in the context of your broader financial plan.

As your financial planner, I take a comprehensive view of your entire financial picture, which helps ensure that any student loan decisions align with your long-term goals and other financial priorities.

Yes. Tax planning strategies are included in the One-Time Financial Plan, with a focus on helping you identify potential ways to reduce your overall tax burden over time.

I’ll evaluate:

• Whether you’re fully utilizing the use of employer-sponsored retirement plans

• If additional qualified accounts (e.g., Solo 401(k), SEP-IRA, or backdoor Roth IRA) may be appropriate

• How to structure your portfolio using strategies like asset location and tax-loss harvesting to improve tax efficiency

While I do not prepare tax returns, I work to ensure that your investment and savings strategy aligns with your tax situation, and I'm happy to collaborate with your CPA or tax advisor when needed.

*Tax-related advice is provided for planning purposes only. Clients should consult a qualified tax professional before making decisions with potential tax implications.

Yes. Education planning is included in the One-Time Financial Plan.

I often help clients evaluate and establish 529 college savings plans, which offer tax advantages for qualified education expenses. The decision on how much to contribute—and whether to use a 529 or a different type of account—depends on your overall financial situation, goals, and preferences.

In some cases, I may recommend saving for education in non-qualified investment accounts (such as individual or joint brokerage accounts) to allow for greater flexibility.

I’ll walk through the pros and cons of each approach and help you make an informed decision that aligns with your broader financial plan.

*Caligiuri Financial does not offer tax or legal advice. Clients should consult with a tax advisor to understand the potential tax implications of any education savings strategy.

Yes. I frequently help clients navigate the transition from individual to joint financial planning, especially during major life milestones like getting married, buying a home, or starting a family.

Many of my clients come to me shortly after completing medical training, when they’re managing multiple financial priorities for the first time. I provide guidance on how to thoughtfully combine finances, align goals, and create a shared plan that works for both partners.

Yes. As a CERTIFIED FINANCIAL PLANNER® professional, I provide comprehensive financial planning that addresses a wide range of non-investment topics, including:

• Insurance coverage and risk management

• Tax planning strategies

• Estate planning coordination

• Retirement and employee benefit plan evaluations

• Student loan and debt management

When appropriate, I can also offer warm introductions to knowledgeable professionals—such as estate planning attorneys, mortgage specialists, insurance brokers, accountants, and student loan consultants—to help you implement various aspects of your plan.

*Caligiuri Financial does not offer legal or tax advice. Referrals are made to independent professionals, and no compensation is received for these introductions unless otherwise disclosed.

Caligiuri Financial follows a top-down investment approach, which focuses on strategic asset allocation—such as determining the appropriate mix of stocks, bonds, and other asset classes—rather than attempting to select individual securities.

Research indicates that a portfolio’s long-term performance is primarily driven by asset allocation decisions, not individual stock picking or market timing. With that in mind, I generally recommend using low-cost, broadly diversified funds that provide exposure to thousands of companies across different sectors, regions, and market caps.

Our goal is to help clients build resilient, cost-effective portfolios tailored to their goals, risk tolerance, and time horizon.

Yes. As part of your financial plan, I will review the investment options available within your employer-sponsored retirement plan—such as a 401(k), 403(b), or 457(b)—and provide a personalized allocation recommendation based on your goals, risk tolerance, and overall financial strategy.

While I do not directly manage employer-based retirement accounts, I can help you make informed decisions about how to allocate your investments within the available plan options.

*Investment recommendations for employer-sponsored plans are based on the plan’s available options and are intended to align with your overall financial plan. Caligiuri Financial does not have discretion over these accounts unless granted separately through a self-directed platform.