About the Site:

For decades, Heckard and Howell CPAs has served physicians across the country with concierge and fiduciary tax and financial planning services. As the The Physician’s CPA, we are dedicated to improving the financial well-being of medical professionals.

Medical school and residency programs speak hardly anything to financial literacy, making wise student loan decisions, paying down debt, contract negotiations, accumulating assets, or managing money effectively. Hospital administrations certainly don’t see it in their best interest to assist physicians in long term financial health, either.

Studies show that the opportunity cost for medical school and residency is close to $1 million dollars, counting lost earnings, hours worked, and student loan balances. Medical school and further training is a major sacrifice of your most valuable resource: time. Yes, you hope to see a lifetime of increased earning potential, career security, and ultimately financial freedom - but those are not givens. We are dedicated to helping physicians reach the financial success their sacrifice deserves.

About Me:

I am a Charlotte, NC based CPA and CFP® who serves families and businesses across the country. I am a partner with Heckard & Howell CPA’s and the managing VP of our investment management arm, CCA. I completed both my undergrad and graduate education at Winthrop University, and completed my post graduate work at Louisiana State University. I have been fortunate to write, contribute, and be interviewed for several national outlets, including the Journal of Accountancy and Bloomberg.

My wife also a physician, doing her general surgery residency before moving into surgical breast oncology. Outside of the office you can find me golfing, playing tennis, hunting for vintage Martin guitars, or spending too much time on Twitter.

Steven K. Howell,
CPA, CFP®, MBA