Sarah Catherine Gutierrez, a certified financial planner and founder of Aptus Financial, joins Dr. Disha Spath to discuss practical financial strategies for physicians. Sarah emphasizes the importance of non-conflicted, fee-only advice and the power of automating finances to ensure long-term wealth building.
Key takeaways include paying yourself first, maximizing tax-efficient saving methods like retirement accounts and HSAs, and breaking the stereotypes that prevent women from fully engaging in financial decisions.
Through her tax-efficient waterfall method and a focus on financial literacy, Sarah helps physicians take control of their financial future.
Sarah Catherine Gutierrez, also known as SC, is the CEO of Aptus Financial, a firm specializing in flat-fee, fiduciary-based financial planning for physicians and young professionals. With a Master’s in Public Policy from Harvard University and a Chartered Retirement Plan Specialist designation, SC is committed to providing non-conflicted financial advice that empowers clients to manage their finances independently.
She is the author of But First, Save 10, a book that simplifies financial planning by encouraging readers to prioritize saving. Through her firm, SC has helped over 800 physicians DIY their finances, teaching them how to automate their money and build a secure financial future.
Sarah Catherine Gutierrez’s Book – But First, Save 10 – The book written by Sarah to help people prioritize saving and manage finances.
UBS Study on Women and Financial Decision - Making (2019) – A study showing that many women do not participate in long-term financial decisions but regret it later in life.
Berkeley Study on Gender Differences in Investing – Research showing women tend to perform better than men due to more conservative and patient investing behavior.
Public Service Loan Forgiveness (PSLF) Program – Discussed as a key financial strategy for physicians managing student loan debt.
Tax-Efficient Waterfall System – Sarah’s method for prioritizing saving and investing to maximize tax advantages.
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👋 This episode is sponsored by PearsonRavitz – helping physicians safeguard their most valuable assets.
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Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.