About Malik

Financial Advisor | University of Michigan Alum | Wealth Strategies Financial Group

Who I Help

I specialize in financial planning for people who are too busy building to manage every detail of their money. My clients include:

  • Physicians and residents navigating student loans, PSLF, and the transition to attending salary
  • Tech founders and startup employees managing equity compensation, 83(b) elections, and QSBS planning
  • High-earning professionals looking to optimize taxes, maximize retirement contributions, and build lasting wealth

Background

I'm a proud University of Michigan alum and financial advisor with Wealth Strategies Financial Group. I focus on the intersection of complex income situations and practical wealth-building strategies.

Unlike traditional financial advisors who serve a broad client base, I've built deep expertise in the specific financial challenges facing physicians and tech professionals. These groups share common traits: high income potential, complex compensation structures, significant student debt or equity holdings, and limited time to manage it all.

What Makes This Different

Most financial advice is generic. "Save 15% for retirement. Buy index funds. Don't panic in downturns." That's fine, but it doesn't help when you're deciding:

  • Should I pursue PSLF or refinance my $400K in student loans?
  • Do I need to file an 83(b) election for my startup equity?
  • How do I structure my exit to maximize QSBS tax benefits?
  • What should I do with $2M in RSUs vesting over the next 4 years?
  • How do I balance paying off debt, investing, and living my life during residency?

These aren't questions you can Google. They require understanding the nuances of your situation, running the actual numbers, and building a plan that works for YOUR goals, not a textbook case study.

Philosophy

I believe in:

  • Simple beats complex. Sophisticated doesn't mean complicated. The best plans are easy to understand and execute.
  • Tax efficiency matters. It's not what you earn, it's what you keep. Every dollar saved in taxes is a dollar that compounds for decades.
  • Behavior beats math. The perfect plan you don't follow is worthless. We build plans you'll actually stick to.
  • Transparency always. Fee-only, fiduciary advice. No commissions, no hidden incentives, no conflicts of interest.

Areas of Expertise

Physician Financial Planning

Student loan strategy (PSLF vs refinance), disability insurance, malpractice coverage, practice ownership, and wealth building post-training.

PSLF Optimization

Income-driven repayment selection, payment minimization, employer certification tracking, and forgiveness application strategy.

Equity Compensation

Stock options (ISOs/NSOs), RSUs, 83(b) elections, AMT planning, exercise strategies, and diversification timing.

Tax Planning

QSBS (Section 1202) planning, tax-loss harvesting, Roth conversions, backdoor Roth IRAs, mega backdoor Roth, and entity structuring.

Investment Management

Diversified index fund portfolios, tax-efficient asset location, rebalancing strategies, and risk management.

Startup Financial Planning

Founder compensation, cap table optimization, exit tax planning, liquidity event preparation, and post-exit wealth management.

Credentials & Affiliations

  • University of Michigan Alumni
  • Wealth Strategies Financial Group
  • Fee-Only Fiduciary Advisor

Let's Talk

If you're a physician, tech founder, or high-earning professional who wants clarity on your financial situation and a plan you can actually execute, I can help.

Book a free 30-minute intro call to discuss your situation and see if we're a good fit. No pressure, no sales pitch. Just honest advice about whether financial planning makes sense for you right now.

Book a Free Call