FineMark National Bank & Trust

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Focused on Physicians

Personal & Business Management Services for Medical Professionals

Experience the FineMark Advantage
for Physicians & Medical Professionals

As a physician, we know you want to do everything you can to help your patients maintain optimal health. At FineMark, our mindset is similar: we want to do everything we can to protect your financial well-being. Looking out for—and acting in—your best interests is our top priority. From the start, we’ll work closely with you to understand your unique goals and develop a plan to achieve them.

We understand that dedication and commitment translate into long hours and demanding work schedules for physicians. That’s why we believe in taking a collaborative, concierge approach to wealth management that flexes to meet the requirements of your job. Our advisors are on-call and available when you need us, whether it’s early in the morning, in the evening or on weekends.

Spending quality time with you—on your schedule—allows us to build a sincere and meaningful relationship that extends beyond the financial aspects of your life. FineMark’s unparalleled level of personal attention ensures we can effectively define and implement your goals and objectives.

We may be a good fit for you if…

Partner

You want to partner with an experienced team that truly places your interests first.

Provision

You want to ensure that your family is cared for and your final wishes are followed.

Preservation

You want to enrich your portfolio and protect the wealth you’ve already built.

Professionalism

You’re looking for an exceptional company to provide essential oversight and day-to-day management of your assets, held at FineMark or elsewhere.

Beyond Our Services

At FineMark, we believe that taking the time to get to know you personally is an investment worth making. We want to know who the important people are in your life, what matters most to you, and what keeps you awake at night. The more you share about yourself and the people and values you hold dear, the better we’ll be able to serve you.

Financial Planning

In planning for retirement, physicians face unique challenges that other professionals don’t. Your “earning years” are often delayed as you complete medical school and embark on your residency. Once out of school, young physicians may feel the pinch of large student loan payments. As a result, saving for retirement may not begin until your mid-30s. By then, you may have questions about prioritizing debt repayment or finding a way to balance investments and home ownership.

Crafting a plan that will help you achieve your goals throughout your career—and beyond—requires careful consideration of your needs, resources and time constraints. FineMark advisors have experience with every aspect of planning. Working together, we can help you successfully align your wealth, values and goals today, making timely adjustments as retirement approaches.

Asset Management

We’ll ensure your money is invested properly, balancing the desired amount of risk and return to meet your goals and objectives.

Business Planning

We’ll create and execute a customized business plan that focuses on exit strategy, business succession, non-financial asset management and family business governance.

Cash Flow Management

We’ll help you determine how much you’re earning (inflow) and spending (outflow) monthly and annually. We’ll plan for your current and future cash flow needs, using ongoing analysis to keep your spending and savings goals on track.

Education Planning

We’ll help you make effective and efficient planning decisions—at the right time—during every stage of your life. We’ll balance your goals to ensure a higher education for your children or grandchildren and a robust retirement savings plan for you.

Estate Planning

We’ll help you plan proactively to ensure your assets are utilized according to your wishes. Keeping the impacts of income, estate and transfer taxes on your wealth plan in mind, we’ll implement the appropriate strategies to reduce risk.

Retirement Planning

We’ll help you establish your goals and create a plan that fits your lifestyle today, while meeting your needs for tomorrow. Then, when the time is right, you can make choices about how much or how little you want to work.

Risk Management

We’ll help you protect your assets and manage risk through asset titling, insurance and income replacement strategies.

Tax Planning

We’ll help you anticipate the impacts of income, estate and transfer taxes on your savings. We’ll consider these impacts, help you understand the tax laws, and implement the appropriate tax strategies to minimize your exposure.

Our Wealth Management Services

Knowing what brings meaning to your life and understanding why those things have value for you is the first step in effective wealth management. At FineMark, we focus on building authentic, lasting relationships with our clients.

We spend time getting to know you and work with you to define your goals and develop a unique plan to achieve them. By building sincere relationships that go beyond the financial aspects of your life, we gain the knowledge and understanding we need to create a customized financial plan that’s as unique as you are.

Banking & Lending

Banking & Lending

We take time to get to know you, understand your financial situation, and suggest solutions that meet your unique needs.

Investments

Investments

We invest in you by asking questions, learning about your risk tolerance, and listening to your plans for the future.

Financial Planning

Planning

We’ll customize your financial plan to help manage your money, maximize your cash flow, and protect your assets now and through retirement.

Trust & Estate Planning

Trust & Estate Planning

It’s normal for estate planning to feel uncomfortable. We’ll proactively partner with you to establish a plan long before it’s needed.

Sports Management

Sports Management

We partner with pro athletes, coaches, and executives to help preserve their capital and maintain the lifestyle they’ve worked so hard to achieve.

Friendly doctors standing in hospital, smiling

Healthcare Lockbox Services

FineMark offers a fast image-enabled network of secure lockbox sites and innovative electronic receivables products that can help you automate your receivables posting and significantly reduce the time it takes to process collections. By utilizing our services, you can cut hours, or even days, out of your collections process, allowing you to focus on other important aspects of your business.

Lockbox Services Benefits

Improve Receivables Collection Time

Reduce mail float delay and expedite remittance mail to an assigned P.O. Box ensuring Business Continuity Process.

Eliminate Manual Data Entry Errors

Access online remittance details and automate accounts receivable posting by receiving direct transmission file.

Improved Client Experience

Retrieve check images and remittance details online to quickly resolve client inquires.

Reduce Fraud Risk

Separate billing and receipt processing functions. Ease of use with online access.

Lockbox Features and Functionality

FineMark National Bank & Trust offers wholesale and retail Lockbox Services. Access lockbox receipt information through FineMark’s business online banking archive.

Image Replacement Document (IRD)

Checks are converted and processed to electronic payment by image exchange or Image Replacement Document (IRD)

Archiving

Lockbox archive allows you to view and export remittance details (i.e. image, batched, or file)

Easily Downloadable

Any file specification (i.e. BAI, .csv, .xml, etc.) can be easily downloaded.

Customizable

Remittance file Direct Transmission option is available with customizable fields.

Industry-specific Lockboxs

Industry-specific lockbox options are available (i.e. Property Management Wholesale Lockbox or Wholesale Healthcare Lockbox).

Reconciliation

Review and post unmatched items with incomplete remittance details.