As a chiropractor, you're running a clinical operation and a business at the same time. Patient care, staff management, equipment decisions, insurance reimbursements, marketing, lease negotiations — all while trying to build personal wealth and plan for the future. Most financial advisors don't understand the unique financial dynamics of chiropractic practice ownership.
At Intentional Living Financial Planning, we work with chiropractors and chiropractic practice owners who need a financial plan that accounts for the complexity of running a healthcare business. Whether you own a single location, are expanding to multiple practices, or are evaluating your long-term exit strategy, the planning needs are specific — and we know how to navigate them.
You didn't become a chiropractor to spend your evenings worrying about cash flow projections and tax strategy. But the financial decisions you make about your practice and your personal wealth are deeply connected — and getting them right requires a planner who understands both sides.
What We Help Chiropractors With
Practice ownership and growth strategy. Whether you're buying your first practice, expanding an existing one, or evaluating the financial implications of adding associates, we help you make ownership decisions with full visibility into how they affect your personal financial plan. Entity structure, financing, partnership agreements, and growth projections — all coordinated with your personal wealth strategy.
Multi-practice financial planning. Scaling from one location to two or more creates a new layer of financial complexity. Cash flow management across locations, staffing costs, equipment financing, lease obligations, and the interplay between business debt and personal wealth — we help you plan for growth without losing sight of your personal financial goals.
Tax planning for practice owners. Practice income flows through to your personal return, and the tax strategy gets complicated quickly. Entity selection, retirement plan contributions, equipment depreciation, estimated tax payments, Roth conversions, and multi-year tax projections — we coordinate it all so you keep more of what you earn.
Succession and exit planning. Whether you plan to sell your practice in five years or twenty, the exit strategy needs to start now. We help you maximize practice value, structure the sale or transition for tax efficiency, and ensure the proceeds translate into lasting personal financial independence.
Retirement and financial independence planning. Practice ownership can build significant wealth — but only if the business cash flow is being directed intentionally. We build a plan that includes retirement account optimization (SEP IRA, solo 401k, cash balance plans), investment management, and a clear projection of when work becomes optional.
Financial planning for busy professionals. Your schedule is demanding. You need a financial planner who respects your time, communicates clearly, and handles the complexity so you don't have to. We build and maintain your plan proactively — so your financial life stays on track even when your calendar is full.
Our Services
We provide comprehensive, fee-only financial planning covering every dimension of your financial life — investment management, tax planning, practice ownership consulting, retirement planning, business exit strategy, estate planning, cash flow planning, benefits and open enrollment guidance, and coordination with your CPA, attorney, and other professional advisors.
Every plan starts with what matters most to you. We follow a framework of Values, Goals, Decisions, and Actions — ensuring your money is aligned with the life you actually want to live.