About Me
I spent 34 years in white coats taking care of patients and over a decade in TPMG boardrooms. Now, I help my fellow Permanente physicians navigate the retirement path I just walked.
As a retired TPMG family physician, former Elected Director, and former Retirement Program Committee Chairman, I understand TPMG’s benefits, pensions and tax issues because I lived them.
Today, as a solo CERTIFIED FINANCIAL PLANNER®, I run Anzai Financial, LLC—a specialized, Advice-Only practice dedicated exclusively to helping TPMG physicians and podiatrists master their wealth and retirement transitions.
Why "Advice-Only"?
Zero Product Sales: I do not sell insurance, annuities, or mutual funds.
No AUM Fees: I never take a percentage of your hard-earned nest egg.
Pure Fiduciary Advice: You pay strictly for comprehensive financial planning and uncompromised strategy.
Finding Your Ikigai (Life Purpose)
In Japanese, Sensei literally means “one who has gone before.” I step into this role not just to optimize your tax bracket or maximize your 401(k) and SRP structures, but to help you find your ikigai—your true "reason for being.”
True wealth isn't just a balance sheet. It is the optimization of your time, relationships, physical vitality, and mental peace. Together, we map out your financial structures so they harmoniously fund your life goals.
Current Practice Status
To maintain a high level of fiduciary care for my existing clients, my practice is currently capped and operating via a waitlist.
Connect with me: If you are a Northern California Permanente physician looking to proactively take charge of your retirement (or even if you have already retired), please send me a connection request via my LinkedIn site with a brief note to join the waitlist queue.
Mission Statement
To inspire and empower individuals to discover their ikigai—their true reason for being—and to build financial frameworks that bring their life goals to fruition.
Core Values
I value honesty, courage, loyalty, optimism, pragmatism, kindness, humor, and, most of all, love.
Why I Became an Advisor
My passion for financial education began early in my medical career in 1992 when I realized most physicians (including myself) were unprepared for big money decisions. I strived to read as much as possible about investing and started my journey to financial nerd-dom. As a resident, I noticed doctors being targeted with expensive, commissioned products during “free dinner” seminars. I began teaching my colleagues the basics of personal finance using resources like Eric Tyson’s “Personal Finance for Dummies” and John C. Bogle’s writings. My goal was to help doctors understand enough about money to avoid bad outcomes.
During my nine years in the US Air Force, I saw similar issues affecting military physicians and service members. I taught my peers about saving early, compound interest, and low-cost index investing. When the Thrift Savings Plan became available, I taught colleagues how it worked and why it mattered, emphasizing the importance of small decisions made early for financial security.
After joining The Permanente Medical Group in 2004, I noticed physicians were still being approached by commissioned salespeople during work hours. In response, I created a three-part “Personal Finances for TPMG Physicians” series covering saving, investing, spending, taxes, and estate planning. I delivered these sessions and later co-led popular annual workshops.
I love speaking to physicians early in their careers. For 12 years, I annually taught 120 new doctors about their pension and 401(k) plans and how to use them effectively. By addressing these topics early, I hoped to help them benefit from the time value of compound interest and to prevent common and costly mistakes.
Prior to retiring from my 34 year career in clinical medicine, for 8 years I was the chairman of my medical group’s retirement program committee, which had oversight of the defined contribution plans of 30,000 physicians, employees and retirees. I spent my career helping colleagues improve their financial literacy and in 2026, I was fortunate to be named “The WCI (White Coat Investor) financial educator of the year”. During my final year of medical practice, I completed the coursework, examination and experience requirements to become a CERTIFIED FINANCIAL PLANNER®, and I hope to share my knowledge and experience with clients as their sensei to help them find their own ikigai.