A Coordinated Operating Standard

Coherent Decision Architecture™

Physician wealth isn’t an investment problem — it’s an integration problem.

Because for doctors, the medical enterprise and the household balance sheet are inseparable. Income, taxes, benefits, real estate, liability, staffing, buy-ins, and exit planning all flow through one system — and decisions made on one side quietly reshape outcomes on the other.

ERX was built specifically for physicians and medical groups to coordinate both sides at once: practice + household, aligned into one documented plan with clear sequencing, measurable decisions, and real accountability.

One system. One sequence. One accountable standard.

Why ERX Was Built for Physicians

A standard shaped in physician leadership

ERX exists because we’ve seen where physician wealth actually breaks.

Not in markets — in the seams. The handoffs between practice, tax, risk, and family decisions. The gaps where responsibility is high, complexity is real, and nobody owns the whole system.

Michael J. Giongo, Co-Founder of ERX Wealth Partners, served on the Florida Medical Association Board of Governors. From that vantage point, one pattern repeated: extraordinary clinical leadership paired with enterprise-level complexity — and too often, no documented decision structure to hold it together.

Physicians weren’t failing from lack of sophistication. They were forced to be the integrator: coordinating advisors, reconciling incentives, stitching timelines, and making high-stakes decisions without a unified operating standard. That’s where value leaks — quietly, consistently, and expensively.

ERX was built to close that coordination gap.

One coordinated system across the full balance sheet — with sequencing, clarity, and accountability across both practice and household.

Decision Architecture for Physician Wealth

Where coordination matters more than “good advice.”

ERX coordinates high-consequence physician decisions into one operating standard across investments, tax, entity planning, risk, and legacy intent — so every move is evaluated in context and executed with clear sequencing, alongside your professional team.

This is where we’re most valuable—high-consequence decisions that reshape everything else:

• Capital & Investment Strategy: allocation, liquidity planning, concentration risk 

• Partner Transitions & Governance: buy-ins/buyouts, valuation pressure points, governance 

• Liquidity Events: recapitalizations, practice sales, rollover coordination, post-close sequencing

• Entity & Compensation Design: Ownership/cash-flow structure, distributions, retirement plan integration

• Real Estate Positioning: inside vs outside entities, and balance-sheet alignment

• Tax Bracket Control: income timing, deductions, Roth strategy - CPA-coordinated scenarios

• Risk & Protection: liability, key-person and Insurance oversight

• Estate & Legacy Architecture: transfer readiness, beneficiary alignment, continuity

Any one of these can be handled. What matters is whether they’re engineered to work together—so outcomes hold under complexity.

The ERX Method — First 30 Days

The ERX Method shows how the ERX System™ is applied in the first 30 days of a new engagement — establishing a documented decision record and a sequenced execution plan.

Blueprint → SOAP → Map → Governance

View the ERX System™ →

Who We Serve

One architecture—adapted across the physician lifecycle

• Residents & Fellows - Early-career decision support around cash flow, debt sequencing, protection basics, and beneficiary organization.

• Attending Physicians - Investment and liquidity decisions coordinated with tax and legal professionals to manage risk and complexity.

• Practice Owners - Practice and household decisions aligned across entity structure, compensation design, retirement plans, and transition readiness.

• Medical Groups & Enterprises - Enterprise-level decision coordination across governance, benefits and risk, partner transitions, incentives, and vendor accountability.

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Begin With a Private Conversation

For those navigating high-consequence decisions and evaluating long-term advisory relationships, the first step is a confidential working session to assess structure, priorities, and fit.

For physician leaders and medical enterprises operating at scale.

Discreet inquiries only.

REQUEST A PRIVATE PHYSICIAN COORDINATION REVIEW

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Physician Family & Medical Group

Client relationship: 24 years

“For more than two decades, our family and medical group have trusted ERX. ERX brings disciplined coordination—tax, investments, entity strategy, and protection engineered to work together as one coherent plan. The process is clear and accountable. We’ve always known what matters now, what comes next, and why."

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Testimonials reflect the experiences and opinions of current or former clients of ERX Wealth Partners, an SEC-registered investment adviser offered through Mutual Advisors, LLC.

Clients were not compensated for their statements, and no material conflicts of interest are known. Testimonials may not be representative of the experience of all clients and are not a guarantee of future performance or success.

Endorsements, if any, are provided by individuals who are not clients and were not compensated for their statements. Endorsements reflect personal opinions and may not be representative of the experience of others.

Past performance is not a guarantee of future results. All investing involves risk, including possible loss of principal.