Financial planning for veterinarians
You Spent 8 Years Learning to Save Lives. Let's Make Sure Your Financial Life Gets the Same Care.
Sporos is a fiduciary wealth management firm in Orange County that works specifically with veterinarians. We know ProSal, AVMA PLIT, practice equity, and the rest of it. Your money deserves an advisor who actually understands your career.
Free. No obligation. No sales pitch. Just a real conversation about your money.
~100
Families We Serve
21+
Years Combined Experience
Fiduciary
Always
Independent
No Product Quotas
What makes your finances different
Your financial life doesn't look like a typical client at Edward Jones. Most advisors have never heard of ProSal. They can't navigate $200K in student loans. They wouldn't know a practice valuation if it landed on their desk. Here's what you're actually dealing with:
Student Debt That Follows You
$212K average. A debt-to-income ratio of 1.4:1 (worse than physicians). IDR vs. PSLF vs. refinancing is not a simple choice. It affects your taxes, your retirement contributions, and when you can buy a home. Pick wrong and it costs you $50K or more.
Compensation That Confuses Most Advisors
ProSal splits. Production bonuses tied to revenue you generate. Signing bonuses with two-year clawback provisions. CE allowances. AVMA PLIT coverage. Your income is variable, layered, and nothing like a W-2. But most financial plans treat it like one.
Practice Decisions Worth Millions
$51.6 billion in private equity has poured into veterinary practices since 2017. Buy in? Sell to a consolidator? Hold and grow? Decisions like these are worth $1M to $5M or more, and most financial advisors have never been through one.
How Healthy Are Your Finances?
Take the 2-Minute Quiz.
Answer 8 questions about your student loans, retirement savings, insurance, and financial plan. You get a Financial Health Score from 0 to 100 with recommendations for your specific career stage.
Free. Takes 2 minutes. No financial jargon.
How we help
Student Loan Strategy
IDR, PSLF, refinancing. We model every option against your full financial picture so you can see what each path actually costs over time.
401(k) Rollover & Consolidation
Scattered retirement accounts from multiple practices? We pull them under one roof and build a real investment strategy around them.
Backdoor Roth IRA
If you earn above the Roth income limit (most mid-career vets do), this is one of the most underused tools in your financial life. We set it up and keep it running.
Disability & Life Insurance
Own-occupation disability insurance is non-negotiable for a veterinarian. We make sure your coverage actually protects your income, not just checks a box.
Practice Ownership Advisory
Thinking about buying in? We run the numbers so you know what you're walking into. Cash flow projections, partnership terms, all of it.
Exit Planning & Proceeds
When it's time to sell, the financial planning matters as much as the deal. We help you structure the exit, minimize taxes, and keep more of what you built.
Your plan should match your career
Stage 1
Early Career
0–7 years
- Student loan strategy (IDR vs. refinancing)
- First disability and life insurance policies
- 401(k) setup and backdoor Roth IRA
- Emergency fund buildout
- "Am I on the right track?"
Stage 2
Mid-Career
7–15 years
- 401(k) consolidation from multiple employers
- Tax optimization (you're in a higher bracket now)
- Practice ownership evaluation
- Comprehensive financial plan
- "Should I stay associate or buy in?"
Stage 3
Practice Owner
15+ years
- Retirement plan design (401(k), cash balance, defined benefit)
- Tax strategy for owner income
- Exit planning timeline
- Business equity integrated with personal wealth
- "What's my practice actually worth?"
Stage 4
Post-Sale
Next chapter
- Proceeds management ($1M to $5M+)
- Capital gains and tax optimization
- Estate planning update
- Legacy and charitable giving
- "I just sold. Now what?"
Meet your advisors
A father-son team. When you call, one of us picks up.
Nasar Aboubakare
Private Wealth Manager
21+ years in financial services. 15+ years in private equity. MBA from USC Marshall. Nasar works with practice owners and complex situations where the numbers are big and the decisions matter.
Samee Aboubakare
Wealth Manager
Equity research background. B.S. in Engineering from the University of Michigan. Samee built the veterinarian side of Sporos and is your main point of contact for anything day-to-day.
"When the money part is handled, you can focus on the work you actually love."
Common questions
Ready to See If We're the Right Fit?
Book a free strategy session. We'll talk about where you are in your career, what's on your mind financially, and whether working together makes sense.
No sales pitch. No commitment. Just a real conversation about your money.