We use your unique career as a lens for our data-driven recommendations.
Investing is just one part of wealth acceleration — so we do it all
You’ll work with a Certified Financial Planner™ who is always available through email, text, video, or chat on our app.
Earned’s centralized, tech-forward approach maximizes physicians’ wealth cohesively and seamlessly, helping physicians earn more, invest smarter, and reduce risk.
Is it a smart financial decision to pay down my medical school loans if I want to buy into the partnership?
I’m doing telemedicine for extra income, am I covered by my physician group’s malpractice insurance?
My wealth manager made some trades this year and added $50,000 to my tax bill - is there any way to lower this?
What are the financial implications of selling my practice to a private equity firm and becoming an employee?
Launch of the beta, Forme Financial
Tax savings on average per physician client household in 2022
Users log in weekly to seamlessly get financial tasks completed
We use a proprietary, specialized data set to support our tailored recommendations
Get Started
Prior to joining [Earned], we had a separate wealth manager, CPA, insurance agent, and trust and estate attorney. They did not collaborate with each other, and it always felt like things were up in the air and left to chance. Now [Earned] does it all for us, and I feel confident that we’re connecting the dots into a cohesive plan.”
— Dr. Marcia L., Family Medicine
What [Earned] saved me more than paid for their management fee… I sleep better at night knowing I have exceptional expertise and care just like what I provide to my patients, all in one place.”
— Dr. William S., Internist
It's great to finally work with a company that truly specializes and genuinely understands the life cycle of physicians and personalizes your financial plan accordingly… My only regret is that I did not sign up with them sooner!”
— Dr. Varun C., Radiologist
Testimonials provided by current clients. Clients are not paid for providing testimonials.
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John Clendening
Chief Executive Officer
John is the founder and CEO of Earned. He recently served as CEO of Blucora, Inc. (NASDAQ: BCOR), a leading innovator in driving tax-smart outcomes for consumers, where he delivered double-digit annual growth in revenue, EBITDA and EPS, and drove a total Stock Return of 66%, placing BCOR in the top 3% of the Russell 2000.
Previously, John was a senior executive at Charles Schwab for over ten years. As EVP and Co-Head of Charles Schwab’s US and International retail division, John led a team of 5,600 to 70% profit growth over a three-year period. During his tenure at Schwab, John played a leading role in transforming the firm into the leading omni-channel wealth manager, with modern digital experiences and an industry leading suite of advisory services. John also served as CEO of Schwab Bank.
John serves on the Board of Directors of Feed The Children, a global NGO. His prior board service includes Silicon Valley Bank (NASDAQ: SIVB), Charles Schwab Bank and Betterment Holdings, Inc. John earned his MBA from Harvard Business School and a BA in Economics from Northwestern University.
Jack Chung
Chief Product Officer
As Chief Product Officer, Jack leads the Engineering, Product, and Design organization at Earned, and is responsible for the technology vision and strategy, and execution of new product launches.
Prior to Earned Jack was a VP and GM at SoFi Technologies, Inc. (NASDAQ: SOFI), leading a 20x increase in revenue and deposits at SoFi Money and contributing to SoFi going public in Jun 2021. Previously, Jack was a senior product manager at Apple, Inc (NASDAQ: AAPL) and MasterCard, Inc (NYSE: MA), helping launch Apple Pay globally and Apple Cash (P2P) in the US. Jack earned his MBA from University of Chicago and BA from University of California at Berkeley.
Bill Martin
Chief Wealth Officer
As Chief Wealth Officer at Earned and a CFA charterholder, Bill leads development of Earned's perspective across the seven wealth domains that together most drive financial outcomes for physicians: investing, tax planning, career advisory, insurance, trust and estate, debt management, and cash management.
Alexandra Garabedian
Head of Business Operations and Finance
Alex has spent the last decade working within leading healthcare and financial services companies. She oversees the company’s operations and finance functions and partners with the CEO on business strategy. Previously she was an AVP of Strategy & Finance at Bright Health Group and was a consultant with Oliver Wyman.
Mike Hogan
Head of Corporate Development
Prior to his role as Head of Corporate Development at Earned, Mike was President of Tax Smart Innovation for Blucora Inc., a provider of technology-enabled financial solutions, including wealth management and tax preparation, from 2018 to 2020. He was EVP of Strategic Business & Brand Development for GameStop Corporation from 2012 to 2018. And had previous executive roles at Dean Foods Company, and Frito-Lay.
He is Board Chairman of Feed the Children, a nonprofit organization. He earned a bachelor’s degree from Northern Illinois University and a master’s degree from Northwestern University.
Myhanh Hoskin
Managing Director, CFP®, CWS®, AAMS®
Myhanh brings decades of experience building wealth with clients to Earned. She uses Earned's proprietary diagnostic to develop financial plans tuned to clients specific goals and 7 key building blocks of wealth. She has a deep understanding of the unique financial challenges and opportunities physicians face.
We're looking for talented individuals who are excited about making a real difference in physicians' lives.
Our council members help us put your perspective as a physician first.
Dr. Tom Valdivia, MD, MS
Senior Advisor and Chair of the Earned Physician Council
Dr. Tom Valdivia is an accomplished executive with three decades of diverse experience founding, building, managing, and selling companies in health IT, provider accountable care services, integrated care delivery and financing, consumer health, and health benefits sectors. Dr. Valdivia currently serves as the Chair of Forme Financial’s Physician Advisory Council and advises several startup companies as a senior advisor. He serves on the board of SSM Health and Intermountain Homecare and Hospice.
Dr. Maria Young Chandler, MD, MBA, FAAP
Pediatrician, Professor, FQHC Administrator, Board Member
Dr. Chandler currently serves as the Chief Medical Officer of a Federally Qualified Health Center in southern California and has for over 30 years. She is a governing board member of a Health Plan, and is on the Board of Trustees and held an elected position at a Children’s Hospital. Dr. Chandler earned her B.S. and M.D. degrees as well as completed her pediatric residency at the University of California, Irvine. She received her MBA degree from Pepperdine University in California. She is board certified in Pediatrics and is a Fellow of the American Academy of Pediatrics.
Dr. Jordan Frey, MD
Plastic Surgeon in Buffalo, New York and Author of The Prudent Plastic Surgeon
Dr. Jordan Frey is a plastic surgeon in Buffalo NY at Erie County Medical Center and the University of Buffalo. His clinical focus is on breast reconstruction and complex microsurgery. He is also the founder of The Prudent Plastic Surgeon, one of the fastest growing finance blogs. There, he shares his journey to financial well-being with a goal of helping all physicians reach financial freedom, practicing on their own terms.
Dr. Daniel Lage, MD
Medical Oncologist at Mass General Hospital
Dr. Lage is a medical oncologist specializing in the care of patients with genitourinary cancers. In his outpatient clinic, he takes care of patients with prostate, bladder, kidney, and testicular cancer. His research interests include enhancing quality of life and managing side effects in patients with genitourinary cancers, integrating patient-reported outcomes and telehealth into patient care, and designing novel interventions to improve transitions of care from hospitals, rehabilitation facilities, and patients’ homes. He is an investigator in the Cancer Outcomes Research and Education program at MGH and is leading several trials focused on improving the experience and outcomes of patients with cancer.
We're funded by leading financial technology and healthcare investors.
