Our Services
Comprehensive financial guidance tailored for academics and physicians.
Every service is built around the financial structures and career arcs unique to higher education and medicine.
Wealth Management
Portfolios built around the career you actually have.
- Customized asset allocation based on risk tolerance, time horizon, and career stage
- Low-cost index funds, systematic rebalancing, and tax-efficient positioning
- Portfolio strategy that accounts for TIAA, pension income, and institutional assets
- Ongoing monitoring and adjustment as your financial picture evolves
Retirement Planning
The plans are complex. The guidance shouldn't be.
- TIAA allocation strategy across Traditional, CREF Stock, and mutual fund options
- Dual plan contribution strategy to maximize tax-advantaged savings
- Annuitization analysis and Normal Retirement Date planning
- Social Security timing, Medicare bridge, and income distribution sequencing
Tax Strategy
Proactive planning, not year-end scrambling.
- Consulting income, sabbatical pay, and deferred compensation planning
- Multi-state filing for faculty and physicians across state lines
- Roth conversion strategy and backdoor Roth execution
- Charitable giving with appreciated assets and donor-advised funds
Estate Planning
What you've built should transfer on your terms.
- Trusts, wills, and beneficiary structures reviewed against your full financial picture
- Gifting strategies that maximize impact while minimizing tax exposure
- Business succession planning for practice owners
- Coordination with TIAA beneficiary designations, which often supersede your will
Risk & Insurance
Coverage reviewed against your actual earning potential.
- Own-occupation disability insurance
- Malpractice and tail coverage review
- Umbrella and life insurance sized to your real exposure
- Asset protection through entity structure and creditor-protected accounts
Radiant Wealth Management's role with respect to fixed insurance is limited to review and planning. Recommendations and sales of fixed insurance or annuity products are conducted through a separate Fixed Insurance Business outside business activity (OBA).
Education Funding
A plan for your children's education that doesn't compromise your own retirement.
- 529 plan strategy across multiple children and state tax benefits
- Financial aid optimization and expected family contribution planning
- Tuition benefit and remission strategies for faculty at eligible institutions
- Balancing education funding against retirement contributions and debt repayment
and physicians from
Listing of these institutions does not constitute an endorsement of Radiant Wealth Management by them.
Our Team
Work with Dan and his team.
Dan Fagan has advised faculty and physicians at Yale, Brown, UConn and other leading institutions over 30 years. His book, Getting to Emeritus, will be published by Johns Hopkins University Press in August 2026.
Working with Dan and His Team
Dan Fagan, MSPFP, MPAS™, AIF®
Managing Partner, Advisor
John Caplan
Partner, Advisor
Frequently Asked Questions
Common questions.
We offer three ways to engage: hourly planning for specific questions, a flat-fee comprehensive financial plan, and ongoing wealth management based on assets under management. We are happy to walk through which option fits your situation in an initial conversation. There is no cost or obligation for that first call.
We are a fee-only firm. We do not earn commissions or receive compensation from financial products. We are paid directly by clients — either hourly, through a flat project fee, or as a percentage of assets we manage. This structure keeps our interests aligned with yours.
Yes. Many faculty clients work with us while keeping their assets exactly where they are. We offer financial planning on an hourly or flat-fee basis where we help you make better decisions about your TIAA accounts, pension, and Social Security without requiring you to transfer anything. If ongoing wealth management makes sense later, we can discuss that separately.
Yes. We work virtually with clients across the country. Most of what we do works well over video or phone, and we are set up to serve faculty regardless of where their institution is located.
Let's talk about what's next.
Schedule a conversation to see how Radiant can bring clarity to your financial life — with the rigor you'd expect.
- Planning built around academic and medical careers
- Tax, estate, and investment strategies working together
- A dedicated advisor who understands your world
- Transparent fees with no product commissions
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