ABOUT US
At Physicians Financial, we understand the unique financial challenges and opportunities faced by physicians throughout their careers.
As a top financial advisory firm dedicated exclusively to medical professionals, our mission is to provide you with comprehensive, unbiased advice that empowers you to achieve your financial goals.
With decades of combined experience, our team specializes in helping physicians at every stage—whether you are in residency, building your practice, or planning for retirement. We pride ourselves on offering personalized service, deep industry expertise, and a commitment to putting your interests first.
Our approach is holistic, meaning we look at every aspect of your financial life—from wealth accumulation and tax strategies to risk management and legacy planning. At Physicians Financial, we serve as your trusted partner, guiding you to make informed decisions so you can focus on what matters most: caring for your patients and enjoying life outside of medicine.
FOUNDER & MANAGING MEMBER
The Wharton School - Advanced Finance ProgramB.S. Risk Management & Insurance, St. Johns University - RIMS Scholar, Spencer ScholarLife Underwriter Training Council Fellow (LUCTF®)Certified Divorce Financial Analyst (CDFA®) DAVID MICHAELS, CDFA® LUCTF®
David Michaels is a nationally recognized financial advisor, wealth strategist, and one of the most trusted authorities serving the financial needs of physicians and medical professionals. With more than 25 years of experience exclusively advising the medical community, David has built a reputation as the premier resource for doctors seeking clarity, confidence, and structure in managing their financial lives.
As the founder of Physicians Financial LLC, David delivers a white-glove, physician-specific advisory experience grounded in deep industry expertise and a profound respect for the unique pressures doctors face throughout their careers. His mission is simple yet powerful: to keep physicians’ financial lives healthy so they can focus on keeping their patients healthy.
David is known for his ability to make complex financial decisions clear and actionable. His holistic and tax-efficient strategies support physicians at every stage—from residency and early practice through partnership, practice ownership, and retirement.
David serves clients affiliated with many of the nation’s top academic and medical institutions. His clients value his rapid responsiveness, uncommon level of care, and ability to anticipate the financial challenges unique to the medical profession.
David is a devoted husband and father to his wife Valarie and their sons, Aaron and Jacob. The Michaels family is actively involved in the Center for Therapeutic Riding of the East End, supporting transformative equine therapy programs for children with special needs and disabilities. Today, David stands as a leading voice in financial advocacy for physicians—a strategic partner, trusted guide, and champion for the long-term prosperity of the medical community.
Core advisory capabilities include:
· Comprehensive and personalized financial planning
· Investment management aligned with long-term goals
· Income protection and risk-mitigation strategies
· Asset preservation and tax-efficient wealth accumulation
· Student loan optimization and debt-management planning
· Practice-owner planning including business transition and succession strategies
· Multigenerational wealth and estate guidance
Hear what Doctors have to say about Physicians Financial
Our Team
Client Service Associate
LORNA STREELMAN
Lorna has been an integral part of physicians financial for nearly 20 years. She focuses on building meaningful client relationships while assisting with daily account management needs. Lorna excels at personal contact with clients and provides Business Management, Planning, Relationship Management, and Service and Administration support. She diligently works to deepen client relationships to ensure the best service possible.
Lorna earned her B.S. in Journalism and Public Relations from the University of Colorado Boulder and lives in Littleton, CO with her husband and two kids.
Outside of working with David at Physicians Financial, Lorna owns and teaches at a busy yoga studio in Littleton.
Client Service Associate
MSCE Microsoft Certified Engineer
ANILA HATHIRAMANI
Anila Hathiramani comes from an extensive background in trading and IT. Born in Ghana, West Africa, Anila moved to London when she was 11 to study. It was in NY that she met and married her husband Rohit after working as an Application Systems Analyst for Watford Borough Council, IT support for Daiwa Securities SMBC Europe Ltd. Anila graduated with honors from the University of Westminster with an Information System Engineering Degree in June 1998.
Anila began her fast-paced career on the London Stock Exchange floor as a trading engineer where every second counts. After moving to New York City in 2006, she worked as an IT Support to the Financial Institute in Lexington Avenue, NY until the Hathiramani’s welcomed their first son, Rishabh, in 2008 and then their daughter, Rhea, in 2009. Looking for a less stressful career environment, Anila began using her extensive knowledge and investment insight to help large advisor firms serve advanced clientele.
For nearly 10 years now, Anila has been a tremendous asset to the Physicians Financial team. Assisting with illustrations, statements, asset mapping, and everything in between, her robust experience within the financial industry keeps our physicians and clients well taken care of. When she’s not preparing for clients, you can find her volunteering in teaching the Hindi language to children between the age of 5-11, or going on adventures with their Cavapoo Jessie. She and Rohit are very involved with her Ganesh Temple, Flushing, and they are dedicated to serving their community.
CERTIFICATIONS: MSCE Microsoft Certified Engineer | SQL and relational databases | Langan Configuration | ITIL Foundation
Income Protection & Disability Specialist
TOM WONG
For nearly 3 decades, Tom has been in the financial industry with a career focus on the intricacies of income protection. His passion is educating others on how to protect your income and the risks of disability. From personal disability insurance and retirement protection to business owner products and buy-sell planning, Tom has the experience and knowledge to properly guide you in this often-overlooked aspect of the financial planning process.
When he is not helping integrate sustainable risk planning into client's strategy, you can find Tom in Lake Grove, New York with his wife Anita and three children: Tommy, Sammy and Emily.
Long Term Care Specialist
CFP®, CLU®, ChFC®, CLTC®
ADAM D. CLINE
Adam graduated from Hofstra University, Long Island, NY with a Bachelors Degree in Business Administration and a major in Marketing. His early business experience was consumer oriented both as a manager and an entrepreneur, and Adam has always enjoyed meeting and working with people. Adam delights in his ability to provide valuable assistance and since 1997 has been a valuable resource to the Forest Hills Financial Group, our clients and their advisors. Throughout that time he has been providing insurance, financial, estate, retirement and distribution planning services to a variety of clients. Helping business owners and professionals create wealth, while protecting them from lives eroding forces and unexpected events, has made Adam both a trusted and valuable resource to his clients.
Adam’s strong sense of professionalism keeps him very active in the industry. Adam is a Certified Financial Planner™, Chartered Life Underwriter®, Chartered Financial Consultant® and a recipient of the Certified in Long Term Care designation. He is also a member of the Million Dollar Round Table Honor Roll and Finesca (Financial Security for All). Adam resides in Old Bethpage, NY with his wife Karen and their son Joey.
New Business Manager
KEN CUSICK
Ken graduated from New York University (NYU) with a Bachelor of Arts Degree in History and Political Science, and took graduate courses in Political Science at the City University of New York (CUNY). While still in school his first job was working for his father, who started one of the first Stock Loan firms on Wall Street. Ken began his professional career running a limousine company for several years, but still maintained an interest in financial services. Always enterprising, he found his opportunity too limited and entered the financial services industry where he earned his life/health licensing along with Series 6, 7, 24, 63 & ALMI.
Ken’s strong sense of community keeps him actively involved as a member of the Wild Life Conservation Society and member of a Community Sponsored Agriculture program. He enjoys playing golf, reading history, and loves nothing more than a quiet Sunday brunch at home with his wife Harriet and daughter Elissa as they read through the morning papers.
Ken and Harriet reside in Queens, NY.
To find out if you are eligible, please reach out to us below to get the conversation started!