Are you on track for retirement?

Guiding physicians and dentists to financial independence

The question isn’t at what age to retire –
it’s at what income and what risk.

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Our Commitment

My grandfather was a small-town doctor, driving a horse and buggy to patients’ homes when summoned. He was often paid in pigs or chickens or with just a big meal—but still put his nine children through college.

Today, things are much different for doctors, and many need a financial champion with customized advice and a handcrafted financial plan to deal with the realities doctors face.

Physicians dedicate themselves to a path of service. I saw it in my own grandfather, and I am dedicated to serving the doctors who serve our community so faithfully.

Our Specialization

Our company has partnered with Doctors Financial Academy to provide physicians and dentists with time-tested and IRS-vetted strategies, concepts, and tools that allow them to reach financial independence quicker and with less risk.

We offer physicians and dentists custom concepts based on their unique financial circumstances related to reduction of personal and professional income taxes, protection of assets from judgement creditors, and other profession-related topics.

Request a Copy of “The Myth of the Rich Doctor,” by Vicki Rackner, MD


The Myth of the Rich Doctor

The intimate relationship I held with my grandfather gave me the courage to address the unique needs of doctors today. Through my relationship with Doctors Financial Academy, I have the ability to consult with, and offer guidance from, leading industry experts, including Dr. Vicki Rackner who is a nationally renowned speaker and consultant to healthcare professionals.

Her book, titled “The Myth of the Rich Doctor,” is an invitation into a frank conversation about financial concerns unique to your profession. It helps develop financial standards of care for money that parallels clinical standards of care for patients.

“The Myth of the Rich Doctor” explores key topics:

  • Forces that shape physicians’ relationship with money,
  • Common financial mistakes physicians make,
  • Habits that separate wealthy physicians from struggling physicians,
  • Processes to assess your financial health and a plan to work toward greater wealth, and
  • Much more!
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Finding a trusted advisor is one of the most important elements of planning your financial future. Providing you with a fiduciary level of service means I am legally bound to always do the right thing for you and has an obligation to only offer solutions that serve your best interest.

I take the responsibility of being a Certified Financial Planner™ seriously, and I am held to rigorous ethical standards through my official recognition as a CFP®. I understand the complexities related to financial planning as well as your profession as a doctor and know how to make recommendations in your best interest.

My commitment as a fiduciary is also an assurance to act with transparency throughout the relationship.


Heafner Financial is committed to transparency. Every step of the relationship is documented, and your financial records are easily accessible to you. This allow you to track the evolution of your plan and make any necessary adjustments, and you can always see that Heafner Financial is acting in your best interest.

A commitment to transparency is visible through a strong foundation of technology.


Heafner Financial utilizes Generational Vault, which is a secure online portal that allows you to easily organize, manage, and access your financial life. Your complimentary Generational Vault account features a variety of services, including secure online account information with daily updates, tracking, and alerts as well as document storage. It maintains a record of the dealings you have with us, so you have an online resource to check the progress of your plan or review the documents you have executed.

Generational Vault provides a record of the commitment Heafner Financial makes to act as a fiduciary and act with transparency throughout the relationship.

Risk Analysis

Heafner Financial uses an interactive, online Color of Money Risk Analysis as its introductory step to the financial planning process.

Completing the Color of Money Risk Analysis delivers a numerical score to you that defines your risk tolerance as well as a brief explanation of your risk profile. Your assigned score serves as the foundation for further planning discussions.

Your assigned score and the corresponding profile help you understand your attitudes about investment risk. Learning how you organize your assets and balance their exposure to risk can have a significant impact on your financial lifestyle.

 Start Risk Analysis

Your Color of Money Risk Analysis score as well as your answers used to generate your score will be recorded in your personal Generational Vault.

Upcoming Seminars

There are no upcoming events at this time.
Please check back again soon.

Contact Us

10700 Sikes Place
Suite 200
Charlotte, NC 28277

(704) 552-1230
(704) 552-1281