What We Do
Every stage in your career, from the time you enter medical school, requires specialized money management. Over the course of a busy medical career, it is easy to accumulate plans and programs that all seem to have a place, but are lacking in purpose.
At Integrated WealthCare, we develop financial solutions in three critical areas of wealth management for physicians:
- Fiduciary Investment Management – Through our independent registered investment advisory firm, Capital Wealth Management, Inc., we manage in excess of $400,000,000 in assets for individuals and institutions. By establishing a fiduciary investment management agreement and an investment policy statement at the start of each relationship, we are able to navigate the day to day decisions of your aggregate portfolio, benchmarked against pre-established objectives.
- Unbiased Insurance Acquisition – The world of insurance is complex. Our unique analysis methods allow for informed and educated decision making. We develop solutions in the areas of specialty specific disability insurance, integrated permanent and term life insurance plans and long term care insurance, often utilizing proprietary products and programs that are only available to certain specialties or institutions.
- Fee-Based Financial Planning – Our founder and managing director, Shayne Ruffing, pioneered the physician financial systems that allow for sophisticated financial solutions to be delivered in a simple, concise format. Our five step process, The WealthCare Protector, is designed to define, organize and optimize a physician’s financial life so that you can have as much confidence in your resources, as your patients have in you.