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ADVANCED FINANCIAL PLANNING

FOR BUSY PHYSICIANS AND Health PROFESSIONALS

Next generation financial planning and investment management firm helping physicians and health professionals avoid financial mistakes.

 

Financial Planning

Personalized Financial Plan created to help you accomplish your goals. Whether you’re a resident with student loans, an attending needing investment and insurance advice, or a physician nearing retirement we can help.

 


Schedule Meeting 



               

Free Consultation 

Physicians usually talk about their 401(k), student loans, debts, taxes and other financial concerns. We go over our services and how we add value to their busy schedule. Pretty simple!

 

Let's Talk!




As Featured On

               

Investment Management

Are you invested correctly? What type of risk are you taking? We can help you figure it out. Click on "MD Risk Analysis" below and check it out!



MD Risk Analysis




“By Failing To Prepare, You Are Preparing To Fail.”

BENJAMIN FRANKLIN

SERVICES




 

Personalized Financial Plan created to help physicians accomplish their goals. Whether you’re a resident with student loans, an attending needing investment and insurance advice, or a physician nearing retirement we can help.






Financial Planning Includes:


Financial Goals

Identify what you want your money to do for you (GOALS) and develop an action plan.

Student Loans Analysis

Advice may include inventory and identifying student loans, identify when consolidation makes sense, calculate benefits and income -driven student loan repayment options.

Employee Benefits Optimization-401(k)

Analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits.

Cash Flow and Debt Management

Review income and expenses to determine any surplus or deficit along with advice on prioritizing reduction of expenses.

Investment Planning

Develop an asset allocation strategy to meet clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies.

Insurance Planning

Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile.

Income Tax Planning

Explore ways to minimize current and future income taxes as part of your overall financial planning picture.

Estate Planning

Analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts, and other related documents. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities.

Risk Management

Analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property, and casualty losses, or the need for lone-term care planning.


 

Schedule Appointment

 

INVESTMENT MANAGEMENT

 

Riskalyze Client Video from Riskalyze on Vimeo.

                             

Free Risk Analysis


INVESTMENT MANAGEMENT PRICING


Assets Under Management
Fee Percentage
$0–$999,999
1.00%
$1,000,000–$1,999,999
0.90%
$2,000,000 and Above
Negotiable

 

*THE FOLLOWING FEE'S APPLY WHEN ENROLLED IN OUR COMPREHENSIVE FINANCIAL PLANNING SERVICE*

Assets Under Management
Fee Percentage
$0–$999,999
0.75%
$1,000,000–$1,999,999
0.70%
$2,000,000 and AboveNegotiable


Free Initial Consultation 

*Account opening, risk analysis, and customer investment dashboard services are secured with 128-bit encryption, and sensitive data is encrypted at rest. All client information is transmitted via the secured Docusign system. DocuSign meets and exceeds the most stringent US, EU, and global security standards. DocuSign is ISO 27001:2013 and SSAE 16, SOC 1 Type 2, SOC 2 Type 2 certified and tested internationally – across the entire company and its data centers.*


STUDENT LOAN ADVISING @ $399


Student Loans are complex. You need someone who can create and help you execute a customized plan to tackle this debt once and for all. Advice may include inventory and identifying student loans, identify when consolidation makes sense, calculate benefits and Income-Driven repayment plan options.

  • Inventory of your loans
  • Help you understand your professional goals and how they will impact your strategy
  • Identify when consolidation makes sense
  • Identify refinancing opportunities
  • Calculate payment for different Income-Driven Repayment options
  • Uncover any loan forgiveness opportunities
  • Recognize tax considerations


  • Written analysis and custom repayment plan strategy
  • Phone or online meeting to discuss plan and next steps

 

Schedule a FREE 10-15 minute initial consultation to go over your current needs.

Free Initial Consultation 


SIV has partnered with MD Tax and Business Advisors P.S.C. "MD", who provide tax planning, accounting, consultation and tax preparation services to clients of SIV. Clients are welcome to, but are never under any obligation to, engage SIV for accounting services under its agreement with MD. All accounting and tax preparation services are provided under a separate verbal or written agreement with MD. This written agreement will also include any fees that the client will pay to MD and is in addition to any fees paid to SIV. Certain tax preparation services may be included within SIV Comprehensive Financial Planning services. Fees and services included are to be discussed prior to every client engagement and will depend on the complexities of the deliverables.


Schedule Appointment


FREE STUDENT LOAN REPAYMENT GUIDE FOR MEDICAL DOCTORS


 

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"I will tell you the secret to getting rich on Wall Street. You try to be greedy when others are fearful. And you try to be fearful when others are greedy."

WARREN BUFFETT

ABOUT



Bottom line is we want to help physicians and young professionals make smarter financial decisions. It’s that Simple-ivest. Get it? Anyway…. You have a busy life with little if any time left to analyze and tackle your most pressing financial concerns. We have a solution. Simpleivest!

  • Need help developing a plan to pay-off your debt?
  • Need tax planning advice to minimize future tax liabilities.
  • You don’t understand your workplace retirement plan.
  • Need a strategy to tackle my student loans.
  • Do you need insurance? Which type? Disability? Term?
  • Need help connecting every aspect of your financial life and understand how each contributes to your goals.

Sounds familiar? We can help you develop a financial plan to serve as your road map to accomplish goals like eliminating student loan or credit card debt, buying a house, maximizing your workplace retirement plan contributions, or saving for retirement and our next generation investment management services, will help you build a fully diversified investment portfolio using the latest technology.

When all is said and done our goal is to help you make life changing financial decisions and be there every step of the way.

Want to learn more? Please feel free to drop us a line anytime at hermes@simpleivest.com.

Remember you can use the Chat widget to the right

or

Schedule a FREE initial consultation. Whatever works for you!


Hermes Conesa-CEO

"I Help Physicians Accumulate and Protect Wealth by Avoiding Costly Financial Mistakes"

Experience ( 11+yr's )

Citigroup, Axa Advisors, Bank of America Merrill Lynch

Education

University of South Florida-BBA Finance

Florida International University-MBA

Chartered Retirement Planning Counselor-CRPC®

Series 66

Languages

English and Spanish

Contact

hermes@simpleivest.com

 

Schedule Initial Consultation

 Connect with me on

 

 

Team - Coming Soon

We are hiring! Simpleivest is looking for experienced digital savvy Financial Professionals who want to partner with an independent advisory firm in the state of Florida and Puerto Rico. Experience with financial planning and investment management along with a CFP certification a plus. If that sounds like you send your resume to hermes@simpleivest.com.

Speaking Engagements

For inquiries about Hermes Conesa speaking engagements, please contact us at 1-800-921-7102 or 787-226-3761.

We are currently offering the following seminar:

"Managing Your Student Loans – How to Avoid Costly Errors & Save Thousands in Interest"

This is a very popular seminar for Intern, Residency, and Fellow programs. It can also greatly benefit last year medical students.

These seminars are purely educational in nature and do not involve the sale of any investment products. Information presented will not be based on any individual’s person’s need, nor does SIV provide individualized investment advice to attendees during these seminars.


Contact Us

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"It’s good to have money and the things that money can buy, but it’s good, too, to check up once in a while and make sure that you haven’t lost the things that money can’t buy."

GEORGE LORIMER

"Investing Should Be More Like Watching Paint Dry Or Watching Grass Grow. If You Want Excitement, Take $800 And Go To Las Vegas"

PAUL SAMUELSON 

SUPPORT


How secure is opening an account through Simpleivest?

Investment account opening, risk analysis, and customer investment dashboard services are secured with 128-bit encryption, and sensitive data is encrypted at rest. All client information is transmitted via the secured Docusign system. DocuSign meets and exceeds the most stringent US, EU, and global security standards. DocuSign is ISO 27001:2013 and SSAE 16, SOC 1 Type 2, SOC 2 Type 2 certified and tested internationally – across the entire company and its data centers.

Where can I find Simpleivest privacy policy?

Click here for Privacy Policy. 

How does Simpleivest make money?

We are a Fee-Only financial advisor and only get paid by the client. As a Fee-Only advisor we are fiduciaries and as such only act in our client’s best interest. We do not accept commissions based on product sales. Fee-Only advisors have fewer inherent conflicts of interest (we must disclose any conflict of interest that exists) and generally provide more comprehensive financial advice.

Simpleivest generates income from performing financial planning and managing our customer’s investment portfolio. Please see pricing page for specific pricing information.

How is Simpleivest able to work with customers remotely?

We recognize that in today’s world people are busy with their daily activities such as work and family with no time left for analyzing their finances. Technology advances in the last few years have made it easy for us to communicate via different digital channels. We work with customers via phone, video conferencing, email, chat, and use screen sharing technology. 

You officially have no excuse to start saving and investing for you and your family’s future!

I’d like Simpleivest to manage my investments. How do I get started?

Great! You can schedule a meeting here to go over your particular situation. 

Who are Simpleivest clients?

We work with physicians and health professionals. Our customers are always connected and see the value of having a virtual financial advisor available on demand wherever they are. They value technology and want to use state of the art tools to help them manage their finances. 

Can I rollover my 401(k) or IRA?

Yes. Contact us to go over the details and specifics of your situation.

What type of investment accounts does Simpleivest support?

Individual, Joint Tenants in Common, Joint Tenants with Rights of Survivorship, Traditional IRA, Rollover IRA, SEP IRA, and Roth IRA account types are accepted. Additional account types may be added in the future.

Does Simpleivest have custody of customer’s assets?

No. As such all checks and transfers go directly to the custodian. For more information please read our ADV Part 2A.

Who pays for trading cost’s?

Our current portfolio managers utilize no transaction fee ETFs. If the client does incur a short-term trading fee, he or she will be responsible for the charge. Short-term trading fees occur if a position is not held for more than 30 day’s.

What are ETFs?

An exchange traded fund (ETF) is an investment fund that is priced and traded on an exchange throughout the day just like a stock. ETFs hold a basket of securities (stocks, commodities, or bonds), and most track an index. Some benefits when compared to Mutual Funds are lower costs and tax efficiency among other things.

Are investment statements provided to clients?

Yes. 

I speak Spanish can anybody help me?

Si.  Para su conveniencia pronto tendremos nuestra página web en español. Mientras tanto puede comunicarse con nosotros marcando el 1-800-921-7102 y con mucho gusto le atenderemos. Como también puede oprimir aquí y separar un espacio para una futura reunión telefónica.

Let's Chat

CONTACT


A Virtual Practice

We work with clients via the Internet, and over the phone—typically it's a combination of methods to make things easy on everyone involved. Some of the channels we use to communicate: phone, video conferencing, email, chat, and screen sharing technology. You officially have no excuse to get your finances in order.

Toll-Free: 1-800-921-7102

Email CEO: hermes@simpleivest.com

You can also schedule a meeting by clicking on the "Schedule a Meeting" button below or if you prefer let's chat via our "Chat Widget" located on the lower right-hand side of the page. Whatever works for you!

Where We Are Located

Our home base is in Puerto Rico; however, we work throughout the United States virtually, as allowed by various regulatory authorities.

 

Drop Us A Line