Lead Advisor, PHysician Market

Job Description

FinancialMD is a physician-focused financial planning firm in Okemos, Michigan. We help medical residents, fellows, and practicing physicians build sound financial lives through education-first planning, insurance, and investment management. We are hiring one Lead Advisor for the physician market — someone who loves people, thrives on prospecting and presenting, and wants to grow inside an established platform rather than the grind of building a solo shop from nothing.

We're fully independent — carrier- and custodian-agnostic. We use whatever's genuinely best for the client, and our investment management is fee-based with no investment commissions. You'll never be pushed to sell a house product.

What You'll Do

• Educate & present: Deliver financial-wellness lectures and dinners to resident and physician audiences across Michigan (Detroit-area travel included).

• Prospect & close: Turn those relationships into planning, insurance, and investment clients through consultations and follow-up.

• Advise: Own financial planning engagements and disability/life insurance placement for the physicians you bring in.

• Operate cleanly: Keep your pipeline, client records, and workflows current in our systems — reliability that runs on structure, not memory.

What You're Stepping Into

You're not starting from scratch. Our physician marketing machine is already running — hospital lectures and graduate dinners, a podcast, weekly TikTok videos, and a leads list in the thousands being actively marketed to. As I step back from the day-to-day, there are plans for targeted advertising to grow it further. You'll plug into a system with real momentum.

Who You Are

• Licensed now: Fully licensed and ready to produce on day one: Series 65 or 66, plus Life & Health, all active.

• Local: Local to the greater Lansing area, and able to travel to the Detroit metro for lectures and client meetings.

• Energized by prospecting and public speaking — you'd rather be in front of a room than behind a desk.

• Self-organizing: you build your own systems and catch your own slips before anyone flags them.

• Can learn a proven system, then run with it independently — bringing your own ideas and initiative to grow it and make it better.

• Looking to grow inside an established platform — you want a firm, a team, and support behind you, not to run your own independent RIA.

Passion for the physician niche is a plus but not required — we'll teach the market. What we can't teach is drive, coachability, and follow-through.

Compensation

This is a full-commission role with a recoverable draw — built so a motivated, licensed advisor can earn well above a typical base-plus-bonus job as production builds.

• Draw: $3,000/month draw ($36,000/year), recoverable against your earned commissions — steady cash flow while you ramp.

• Strong splits: Higher-than-average splits, paid on the full first-year commission the firm receives from carriers.

• We provide the platform: Company covers state insurance licenses, compliance, marketing engine, CRM and planning software, and hardware. You cover optional events, additional state licenses, travel, and CE.

• Full admin support: Once your training period is complete, you get full administrative support — applications, underwriting, client transactions, and account management are handled for you, so you can focus on being in front of doctors.

For context: advisors in their first full year have earned take-home pay in the $60,000–$78,000 range from the doctor market alone. Advisors are encouraged to continue building their natural market and referral base as well, which adds to this. This is a build role — the draw carries you through ramp, with strong upside as your recurring book grows.

Split Schedule

Splits are tiered by annual production and shown in full below. Natural-market splits are higher because you source those leads yourself; medical-market leads flow from the firm's lecture and referral engine.