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Meet The Author

Philip O. Hotz brings over four decades of experience in the finance industry, serving as CEO of FL Group Incorporated. With a career that has guided more than 1,200 medical professionals toward financial security, he is uniquely positioned to address the challenges healthcare providers face when planning their retirement.

Philip works exclusively with medical professionals who have dedicated their lives to patient care, often at the expense of their own financial planning. One of the core issues he has identified with his clients is a lack of financial education tailored to their unique circumstances. While they are experts in their fields, they frequently lack the time or resources to fully understand the complexities of financial planning, leaving them vulnerable to outdated advice and one-size-fits-all solutions that don’t account for inflation, taxation or the need for a long-term income stream.

Many of Philip’s clients struggle to balance a demanding career with the foresight required to create a robust retirement plan. This gap in specialized financial guidance is why Philip is so passionate about creating tailored retirement strategies for his clients—strategies that meet their immediate needs and also secure their futures, enabling them to transition out of their careers with confidence and stability.

In Prescribing Your Retirement on Your Terms, Philip O. Hotz outlines the 10 financial barriers you should overcome to live a financially fulfilling retirement.