Physicians
Residents, fellows and attending physicians in the first two decades of their careers. We focus on the decisions that matter early (insurance, retirement plan choices, debt and savings) while keeping your costs low.
Financial planning & investment management
Clear thinking for the wealth you’ve worked hard to build.
I’m Dave Denniston, a CFA® charterholder and investment adviser representative. For more than 20 years I’ve helped physicians, business leaders and generous families organize their finances, invest with discipline and plan for what matters most to them.
CFA® charterholderAwarded by CFA Institute, 2009
20+ yearsServing clients since 2003
Fiduciary adviserState-registered investment adviser
No broker-dealer tiesNo commissions on securities
Who we serve
Advice shaped around your stage of life and career.
Our clients range from paramedics to physicians to corporate executives. What they share is a wish for a clear plan and someone they trust to keep it on track.
Leaders & executives
Managers, executives and business owners who have little time to spare. We coordinate your workplace retirement plan, investments and taxes into one plan that keeps pace with a demanding career.
Families & retirees
Turning savings into dependable retirement income, timing Social Security, and working with your attorney so your estate plan and accounts tell the same story.
Our approach
A simple process for complicated lives.
Discover
We start with a conversation about your goals, your family and what keeps you up at night. Many clients begin with a one-page Asset-Map that puts everything you own and owe on a single sheet.
Plan
We design a portfolio and a written plan around your income needs, tax situation, time horizon and comfort with risk.
Implement & monitor
We put the plan to work, monitor it throughout the year, and meet with you regularly to review progress and adjust as your life changes.
Services
One relationship, the whole financial picture.
Investment management
Personalized portfolios, continuous monitoring, and guidance on the investments inside your 401(k) or other workplace plan.
Tax-aware planning
At your request, a review of your tax return for planning opportunities, coordinated with your tax preparer.
Retirement income
A plan for turning savings into income, including IRA and workplace plan distribution strategies.
Estate & family wealth
Beneficiary and account-titling reviews, coordinated with your attorney, plus support for families after a loss.
Insurance review
A periodic review of the cost, coverage and fit of the policies you already own.
Hourly planning
Not ready for ongoing management? Some clients work with us hourly on a specific question or project.
Our commitments
Advice built around you, not a product.
“I’m not affiliated with a broker-dealer, and I don’t earn commissions on securities. That limits conflicts of interest and keeps our conversations focused on what works best for you.”
Dave is also a licensed insurance agent and may earn commissions on insurance products, a conflict of interest described in our Form ADV. You are never required to buy insurance through him.
— Dave Denniston, CFA
- A fiduciary relationship. As a registered investment adviser, we owe our advisory clients a duty to act in their best interest.
- Transparent fees. For investment advice we are paid only by the advisory fees you can see on your statement. Our fee schedule is in our Form ADV Part 2A.
- Plain English. You will understand what you own, why you own it and what it costs.
- Discipline over headlines. A written plan helps you stay steady when markets are not.
- Your privacy protected. Every team member signs a confidentiality agreement, and we never confirm or deny who our clients are.
Latest videos
Short videos on markets, retirement and money.
Interest Rates: What We’re Watching Right Now
Why rising bond yields can make bonds more attractive, and the case for gradually extending maturity rather than trying to time rates.
How Social Security Works
How spousal benefits work, why claiming early doesn't reduce a spouse's maximum benefit, and how filing age affects survivor benefits.
2026 Q2 Market Update
A look back at the first half of 2026 and the factors worth watching: inflation, rates, earnings and small caps.
Commentary reflects Dave’s opinions as of the recording date. It is subject to change without notice and is not a recommendation to buy or sell any security.
From the blog
Recent articles.
MarketsVideo
Interest Rates: What We’re Watching Right Now
Hey everyone, Dave here. well, topic right now, as of the time I'm recording this video, interest rates have been moving higher and higher. And I think we're at like 5.15 or something on…
RetirementVideoHow Social Security Works
Hey everybody! I hope you're doing great. I wanted to make a quick video because I received an email from a client the other day. He knows who he is, and we were going…
MarketsVideo2026 Q2 Market Update
Hey everybody, Dave Denniston here. Hey, just wanted to take a few minutes today to give you a quick 2026 Q2 update. Well, here we are, halfway through the year, and the market, of…
Let’s talk about where you’re headed.
A first conversation is a chance to get to know each other. There’s no cost and no obligation.