Financial Guidance for Physicians: Build Wealth with Confidence

As a physician, you’ve dedicated your life to caring for others. But between long shifts, administrative burdens, and ever-changing healthcare regulations, managing your own financial future can feel overwhelming. At Bona Fide Finance, we work to help doctors like you take control of their finances, so you can focus on what matters most—your patients, your family, and your personal well-being.

A Financial Plan As Precise As Your Practice

Your financial situation is unique. Perhaps you find yourself tackling student loan debt, optimizing your tax strategy, planning for retirement, or considering private practice. Whatever the situation, you need a strategy tailored to your career and lifestyle.

Our experienced team provides comprehensive financial planning for physicians at every stage:

Early-Career Doctors & Residents Managing student loan repayment, budgeting on a resident’s salary, and setting a strong financial foundation
Mid-Career Physicians Optimizing earnings, refining tax strategies, navigating private practice ownership, and growing long-term wealth
Pre-Retirement & Retired Doctors Creating a tax-efficient retirement income plan and setting up financial stability for your next chapter

Smart Strategies for High-Earning Professionals

As a high-income earner, you have both financial opportunities and unique challenges. We help you preserve and grow your wealth with strategies designed specifically for physicians:

  • Student Loan Optimization: Navigate PSLF, refinancing, and repayment plans that fit your career path.
  • Tax Planning & Efficiency: Reduce your tax burden and keep more of what you earn.
  • Wealth Building & Investing: Grow your assets while balancing risk and opportunity.
  • Retirement Planning: Establish long-term financial independence with a strong retirement strategy.
  • Asset Protection & Risk Management: Safeguard your income, practice, and family from unexpected financial setbacks.

Trusted Guidance From Advisors Who Understand Physicians

The Bona Fide Finance team is familiar with the unique financial challenges doctors face. From delayed earnings due to years of training to the complexities of running a practice or balancing a demanding schedule, our goal is to simplify your financial decisions so you can focus on your career without financial stress.

Let us help you create a plan that aligns with your goals, values, and the future you envision.

Should Doctors Hire a Financial Advisor?

Contact Us

Let’s Get Started

Schedule a consultation with one of our advisors to learn how our financial planning services can help you pursue your goals and live the life you’ve envisioned. It’s time to plan with purpose. Let’s walk this journey together.

Let’s create a financial plan that works for you—with your values and intentions at the center.

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Bonnie Martinek

Administrative Assistant
Bonnie (Ben’s mom!) is a mother of 9 and a grandmother of 17. She has lived in rural Indiana her whole life and has a master’s degree in Special Education. In her own words, she’s done a little bit of everything but is a master of none (teaching, construction, manager of a corn maze, CNA, farm work, cashier, auto bodywork, and the list goes on!). Widowed in 2019, she is reinventing herself through her work in the day-to-day operations of Bona Fide Finance and client relations. Bonnie loves getting to know our clients and is happy to serve them well!

Deb Martinek

Relationships Specialist

Deb has been with Bona Fide Finance since its inception in 2015 and long before that with her support of Ben studying for the CFP designation and the dream of starting the business of helping individuals and families meet their financial goals.

She fills the Relationships Specialist role – Deb is typically the first encounter our new clients have as she walks them through our service offerings and introduces them to the map of financial literacy.

She has a bachelor’s degree from Ball State University and a master’s degree from the Franciscan University of Steubenville. Deb lives in Bismarck with Ben and their two young daughters, is a card-carrying member of the CDL club (read more about those adventures here) and is happiest reading an epic novel, solving a 1000-piece jigsaw puzzle, or working in her kitchen where she can serve love to the people in her life through quality food (clients enjoy her holiday shipment of homemade goodies each December!).

Ben Martinek

CFP®, EA, CSLP®, RICP®, Founder and Advisor

Ben Martinek, CFP®, EA, CSLP®, RICP®, is the founder and lead advisor at Bona Fide Finance, an independent, fee-only firm dedicated to helping doctors, young professionals, and growing families take control of their financial future. With a deep understanding of student loan debt—having tackled his own—Ben specializes in guiding clients through debt repayment strategies, smart investing, and comprehensive financial planning so they can build wealth with confidence. Ben’s passion for financial planning comes from his desire to provide honest, objective advice tailored to each client’s unique situation. He loves seeing the impact of his work, whether it’s helping a family pay off student loans years ahead of schedule, setting up an early retiree for financial freedom, or giving clients the peace that comes from knowing their finances are in order. His clients appreciate his thoughtful, high-touch approach, often saying that working with him has changed their lives.

Before launching Bona Fide Finance in 2015, Ben’s career path was anything but conventional. The fourth of nine children, he grew up in rural Indiana and initially pursued a path in academia, earning a B.A. in philosophy and classical languages, followed by a master’s degree in philosophy. Along the way, he explored careers in construction and truck driving—logging over 600,000 miles across the U.S. with his wife, Deb—before finding his true calling in financial planning.

Now based in Bismarck, North Dakota, Ben and Deb stay busy raising their two daughters, Edith and Virginia. Since their truck-driving days, Ben is happiest on a long road trip—preferably behind the wheel of his TDI Volkswagen Jetta. He enjoys sailing on Lake Sakakawea, camping in their vintage ’90s pop-up camper, and smoking a pipe by the grill. A lover of strategy board games, he favors Clans of Caledonia (mostly because Deb refuses to play Risk with him). When he’s not working with clients, he can be found smoking meat, gardening, hiking, or diving into The Lord of the Rings or Dune. Ben also serves on the school board for his daughters’ Montessori school and is actively involved in pre-marriage ministry in the Bismarck Diocese.