Capstone Medical | Capstone Financial Services

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Serving physicians, residents, and healthcare professionals since 1999.

Capstone Medical is the healthcare professional division of Capstone Financial Services. Originally founded in 2008 as Southwest Medical and Physician Financial Services, LLC, known in the medical community as SMAP FS, the practice evolved alongside the professionals we serve, becoming Capstone Medical in 2012.

We understand that the financial journey of a physician is unlike almost any other, from years of training and significant educational debt to delayed income and then a rapid transition to high earnings. We’ve spent more than two decades building expertise in exactly these challenges.

Who We Serve

Capstone Medical works primarily with residents, fellows, and attending physicians at every stage of their career, along with nurses and other healthcare professionals who face similar financial planning needs.

What We Do

Student loan management

Navigating federal loan repayment programs is one of the most consequential financial decisions a physician makes early in their career. We coordinate with our tax team to evaluate filing strategies and their impact on income-driven repayment calculations.

Long-term disability income insurance

Your ability to practice medicine is your most valuable financial asset. We evaluate group and private policies, helping you understand definitions, benefit periods, and portability.

Sign-on bonus & partnership track planning

Financial decisions around a sign-on bonus or partnership offer can have lasting tax consequences. We help you understand the implications before you sign, not after.

Tax planning and preparation

We coordinate filing status decisions with student loan strategy, integrate 1099/K-1 income from moonlighting or practice ownership, and manage multi-state filings.

Retirement plan implementation

We assist with employer-sponsored plans, self-employed retirement structures, IRAs, and self-directed investment accounts within qualifying plans.

Roth IRA conversions & high-income planning

We help physicians understand Roth conversion strategies, backdoor Roth options, and other tools designed for higher income levels.

If you’re an attending physician, resident, fellow, or healthcare professional looking for a team that truly understands your financial picture, we’d welcome the conversation.

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