Holton & Kosanke Wealth Management, LLC

Holton & Kosanke Wealth Management, LLC Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor.

08/28/2026

If the only time you hear from your financial advisor is when the market drops, it may be time for a change.

A lot of physicians have an investment manager. Someone who watches the portfolio, sends a quarterly statement, and calls when there are market swings.

That's not nothing. But it's a narrow version of what a financial advisor should be doing.

The best financial relationships we've seen work more like the one you have with a good physician. Proactive. Anticipating problems before they surface. Checking in not because something went wrong but because your situation changes over time and the plan should change with it.

Did you change jobs this year? That has financial implications. Did your income go up significantly? There are things to do about that before tax season. Are your kids getting closer to college age? That window is shorter than it feels.

A good advisor isn't waiting for the market to give them a reason to call you. They already know what's happening in your life and they're planning around it.

If that's not the relationship you have, feel free to reach out and see if we would be a good fit!

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

08/21/2026

Many physicians don't choose when they retire. The decision is made for them.

It usually doesn't happen the way they imagined. It's not a planned send-off with a clear transition. It's a health issue that comes out of nowhere, a practice situation that becomes untenable, a merger that changes everything, or simply a level of exhaustion that doesn't go away anymore.

By the time it happens, there's no time to prepare. The income stops and whatever is in place has to be enough.

The physicians who retire on their own terms have one thing in common. They started planning for that moment long before it arrived. Not because they were in a rush to stop working, but because having a plan meant the choice was theirs to make.

That's the part most people don't think about until it's too late. Retirement planning isn't just about having enough money. It's about making sure that when the moment comes, whether you chose it or not, you're ready for it.

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

08/14/2026

You wouldn't treat a patient without a full picture of their health. Most physicians manage their finances without one.

Think about what a good clinical workup looks like. You gather the history, run the labs, look at everything together before you make a call. You don't prescribe based on one symptom in isolation.

Most physicians manage their finances the exact opposite way. They open a 401(k) here, buy a life insurance policy there, refinance the student loans when the rate looks good, and make each decision independently without ever stepping back to look at the whole picture.

That's not a plan. That's a collection of individual decisions that may or may not be working together.

A real financial plan works the way a good diagnosis does. It starts with the full picture, identifies what's missing, flags what's working against you, and puts together a strategy where everything is moving in the same direction.

If you're looking for a comprehensive financial plan, let us know!

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

08/07/2026

Most physicians don't have a financial plan. They have financial accounts.

There's a difference, and it's bigger than most people realize.

A lot of physicians come to us thinking the job of a financial advisor is to manage their investments. Pick funds, watch the market, rebalance when things get out of line. That's part of it, but if that's all you're getting, you're leaving a lot on the table.

The physicians who are actually in a strong financial position aren't just invested. They have a plan that ties everything together. What to do with student debt. How to maximize workplace benefits most people ignore. How to structure college savings without sacrificing retirement. How to protect what they've built with the right estate documents. How to keep more of what they earn through intentional tax planning.

None of those things happen automatically just because you have a brokerage account.

If you've never had a conversation that covered all of that in one sitting, it might be worth having one.

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

07/31/2026

1 in 3 medical groups lost a physician in the past year due to burnout. Chances are you know someone it happened to.

A 2026 MGMA poll found that 33% of medical groups reported a physician retiring or leaving in the past year due to burnout, up from 27% just two years prior. ¹

A physician who burns out at 47 and leaves clinical medicine 15 years early doesn't just lose their salary. They lose 15 years of compounding retirement contributions, practice equity they would have built, and Social Security credits that can't be recovered. ²

Most physicians have no financial model for what that costs them.

If you're in your 40s or 50s and feeling the weight of it, the question worth asking isn't just "how do I get through this?" It's "if something had to change, would I be financially ready to make that call?"

That's what a comprehensive financial plan helps you answer.

Reach out if you'd like to have that conversation.

¹ MGMA, Physician Burnout and Early Retirement, April 2026 - mgma.com
² MedMoneyGuide, Physician Burnout and Finances: The Hidden Cost Nobody Quantifies - medmoneyguide.com

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

07/22/2026

Private equity is coming for physician practices. Are you prepared for the conversation?

Global healthcare private equity hit a record-breaking $191 billion in disclosed deal value in 2025.¹ Firms are actively looking for physician practices to acquire, and if you own one, there's a real chance you've already received an unsolicited offer or will soon.

The financial upside can be real. So can the downside if you walk in unprepared.

Three things every physician-owner should know right now:

1. Do you know what your practice is worth? Valuations typically use EBITDA multiples of 4-8x, and knowing where you fall before any conversation starts is essential. ²

2. Deal structure determines your after-tax proceeds as much as the headline number does.

3. Once you sign, your leverage is gone.

Reach out if you'd like to talk through where you stand.

¹ FOCUS Investment Banking, Physician Practice M&A Multiples 2026 - focusbankers.com
² Revonary, Buying Into a Medical Practice: Financial Planning Guide for Physicians - revonary.com

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

“Likes” should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

07/15/2026

If you turn 60, 61, 62, or 63 this year, the IRS just gave you a significant gift. Most physicians don't know about it.

In 2026, physicians in that age window qualify for a "super catch-up" contribution on their 401(k) or 403(b). Instead of the standard $8,000 catch-up, you can contribute an additional $11,250 on top of the base $24,500 limit, bringing your total to $35,750 for the year. ¹

This window is narrow, applying only to ages 60 through 63, so for many physicians it's a two-to-four-year opportunity at most. And if you earned more than $150,000 in F**A wages in 2025, your catch-up contributions must now go in as Roth, meaning you pay taxes upfront but withdrawals in retirement are tax-free. ¹

Not all plans accommodate this automatically, so it's worth confirming with your HR department or plan administrator. If you're in this age range and not maximizing this, you're leaving one of the most valuable tax advantages available to you on the table.

📩 Questions about whether your plan is set up to capture this? We're happy to take a look.

¹ The MD Preferred Network, Physician Financial Planning in 2026 - themdpreferrednetwork.com

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

“Likes” should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

07/08/2026

Physicians believe they need $4 million to retire comfortably. Are you on track?

Here's what the data tells us about where physicians in your age group actually stand.

In a Medscape survey, physicians said they would need an average of $4 million in savings for a comfortable retirement. The average age of active physicians is now 54.4 years, meaning for many physicians in their 40s and 50s, the runway to retirement is shorter than it feels.¹ And nearly 43% of physicians report feeling a great deal of stress because of their job, with financial uncertainty among the top contributors.²

What we typically help physicians in their 40s and 50s think through:

✅ Are you on pace to hit your retirement number, and do you actually know what that number is?
✅ Tax efficiency: are you taking full advantage of backdoor Roth, deferred comp, or defined benefit plans?
✅ Sequence of returns risk: how your portfolio is structured in the 5 to 10 years before retirement matters more than most people realize
✅ Estate planning: wills, trusts, beneficiary designations, and powers of attorney should already be in place
The physicians who feel most confident about retirement aren't necessarily the highest earners. They're the ones with a clear, coordinated plan.

📩 If you'd like an honest conversation about where you stand, we're here for it.

¹ Healthgrades, Physician Retirement and Planning: 9 Insights (citing Medscape Physicians Eye Retirement Report 2023 and Definitive Healthcare 2025 data) — resources.healthgrades.com
² American Medical Association, Physician Burnout Rate Continues to Decline, 2025 AMA Organizational Biopsy — ama-assn.org

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

“Likes” should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

07/01/2026

You've built a career. Have you built the financial foundation to match it?

For physicians in their 40s and 50s, the financial picture shifts significantly. Income is typically at or near its peak, but so are competing financial priorities: college tuition, mortgage payoff, aging parents, practice ownership, and a retirement timeline that's no longer abstract.

Here are a few facts worth considering:

📊 60% of physicians have a family net worth of $1 million or more, but net worth alone doesn't determine retirement readiness. How those assets are structured matters enormously. (1)

📊 In 2026, physicians 60-63 years old qualify for a "super catch-up" contribution of $11,250 on top of the standard 401(k) limit, which is a powerful opportunity many don't take full advantage of. (2)

📊 Medicare physician payments have dropped 33% since 2001 after adjusting for inflation, adding pressure to practice revenue that can impact long-term financial plans. (3)

At this stage, the most important financial questions aren't about earning more but about the following concepts:

✅ Tax efficiency: Are you minimizing what you owe each year?
✅ Retirement income planning: What does your monthly income actually look like after you stop practicing?
✅ Estate and legacy planning: Are your assets protected and distributed the way you intend?
✅ Practice transition: If you own a practice, do you have a succession or exit strategy?

The physicians we work with at this stage often have significant assets, but not a cohesive plan tying them together. That gap is where financial planning makes the biggest difference.

📩 If you'd like to talk through where you stand, we're happy to have that conversation. No pressure, no obligation.

📚 Sources:
(1) Medscape, Physician Wealth and Debt Report 2024 - thedo.osteopathic.org
(2) The MD Preferred Network, Physician Financial Planning in 2026 -themdpreferrednetwork.com
(3) Physician on FIRE, Physician Compensation 2025 - physicianonfire.com

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

“Likes” should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

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Tucson, AZ
85743

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