Physicians Financial Services, Inc.

Physicians Financial Services, Inc. is a registered investment adviser established in February 1987 by Con T. McDonald, offering Individualized Money Management Services for various client types, including individuals, high net worth individuals, pension and profit sharing plans, corporations, charitable organizations, and trusts. The firm specializes in wealth analysis, financial planning, and money management services. Investment strategies focus on a contrarian/value approach, utilizing stocks, bonds, mutual funds, and exchange-traded funds. Clients have the option to choose internal or external money management services. Internal services are based on a percentage of assets under management, while external services involve third-party managers with transparent fee structures. The firm emphasizes a long-term investment approach, avoiding Initial Public Offerings (IPOs) due to associated risks. Fees for wealth analysis and planning services are either fixed or hourly, while money management fees are based on a percentage of assets under management. Physicians Financial Services, Inc. does not participate in wrap fee programs. The firm operates on a discretionary basis, managing accounts with a Limited Power of Attorney. Clients receive quarterly account statements from the custodian. The firm does not vote proxies for clients. The brochure also includes information about the firm's principals, educational backgrounds, business experiences, disciplinary history, and additional compensation details. Clients are encouraged to review the full brochure for comprehensive information.