partner with earned

Redefine financial services for healthcare professionals.

Join the premier financial partner to doctors, their families, and their practices.

Earned is the premier financial services firm for healthcare professionals and their practices.

Protect Your Legacy & Plan
Your Next Chapter

Take Your Business to
the Next Level

Q&A with Earned CEO,
John Clendening

We have an ambitious vision to be the only financial services firm doctors turn to.

We connect our clients to a comprehensive ecosystem of services — including financial planning, retirement plans, investing, tax, insurance, accounting, and more — coordinated and delivered under one roof. We’re realizing this vision by strategically partnering with and acquiring like-minded businesses, equally focused on solving the existential challenges healthcare professionals face today:

Behind on retirement

often by over 50%

Burned out

with finances as the #2 cause

Complex financial needs

and high tax burdens

Accelerate your clients' wealth and turbocharge your business.

A comprehensive, integrated approach to building and protecting doctors’ wealth delivers reliably better client returns, doubling or tripling expected net worth.

Earned’s proven playbook connects existing single-service clients to full-service clients receiving tax and wealth management from Earned, transforming revenue per client.

Case Study

Large investment, tax, and accounting firm: Year one results

Tripled
revenue growth

Over 50% adoption of Wealth Management

98% client
retention

Join a rapidly growing team and help us build the next
multi-generational financial services brand.

20,000+ clients with
strong healthcare focus

$3.4B in Assets Under Management

Team of 240+
professionals

Andrew D. Schwartz,

Schwartz & Schwartz, Acquired August 2025

"Earned is aligned with our long-standing mission of providing superior financial services and client support to healthcare providers and practice owners so they can spend more time caring for their patients. We’ve spent more than three decades helping our clients succeed, and now we’ll be able to offer an even broader suite of services and advice to the physicians, dentists and behavioral health practitioners we serve."

Navjeet Chahal,

Chahal & Associates, Acquired April 2025

“Earned isn’t just a market leader for financial services for doctors — it’s the best choice for sellers, too. The integration was seamless, ensuring strong client retention and cultural alignment from day one. Beyond the transition, the opportunities for career growth and expanded client impact have exceeded my expectations.”

J. Haden Werhan,

Thomas Doll, Acquired June 2024

“I’m really glad we answered the call when their team reached out. Not only did Earned make the closing process seamless, but they’ve also provided us with more resources than ever post-close. From management and recruiting to marketing, growth, and support — Earned is truly delivering. We’re accomplishing more than ever before, and I’ve never been more excited about our future with Earned.”

Carson Henderson,

Thomas Doll, Acquired June 2024

"Earned has proven to be a strong partner — the transition was smooth, with thoughtful integration and a focus on client continuity. The team has been supportive in helping us reach our goals, providing us with more opportunities to make an even greater impact for our clients."

A proven playbook for a seamless experience.

Sales Enablement

Marketing

Operations

Client Experience

Reporting & Analytics

Data & Engineering

Visionary leadership with expertise in growing businesses and creating long-term value.

John Clendening

Chief Executive Officer

Frederick (Fred) Duden

Chief Operating Officer

Alexandra Garabedian

Chief Experience and Product Officer

Joy Lai

Chief Growth Officer

Bill Martin,

CFA®

Chief Wealth Officer

Luke Nowicki

Chief Development Officer

John Clendening

Chief Executive Officer

About

John is the Founder and CEO of Earned, bringing over 30 years of leadership experience, including 20+ years in financial services. As CEO of Blucora, he oversaw $80B in AUM, achieving a top 3% stock return. At Charles Schwab, he co-led the Retail Division, built the advisory business, and served as CEO of Schwab Bank. His career also includes leadership roles at Wells Fargo, Coca-Cola, PepsiCo, Booz-Allen, and more.

Frederick (Fred) Duden

Chief Operating Officer

About

Fred brings extensive leadership experience in financial technology, product management, trading, and digital advisory. Most recently, he was General Manager of the APL division at InvestCloud and previously served as Global Chief Product Officer at Broadridge. Previously at JP Morgan, he held key leadership roles driving digital wealth management. With over a decade at Charles Schwab, he served as President of Schwab Wealth Investment Advisory and led the launch of Schwab Intelligent Portfolios. Fred’s expertise in innovation, strategy, and client experience drives cutting-edge wealth management solutions for growth and long-term success.

Alexandra Garabedian

Chief Experience and Product Officer

About

Alex has over 15 years of expertise in consulting, strategy, planning, and venture capital from Oliver Wyman, Bright Health, and Juxtapose. She led Earned Wealth’s operations and finance for three years before stepping into her current role, driving growth, innovation, and customer-centric strategies.

Joy Lai

Chief Growth Officer

About

Joy Lai is the Chief Growth Officer at Earned, bringing a proven track record of scaling businesses and driving market expansion. Since joining in August 2023, she has led Earned’s organic growth, strategic partnerships, and inorganic growth initiatives to accelerate the company’s trajectory. Previously, as Chief Marketing and Operating Officer at Kitchen United, Joy spearheaded the company’s expansion from inception to a nationally recognized brand valued at over $400M. Her leadership experience spans Internet Brands, The Wonderful Company, and Bain & Company, where she specialized in scaling businesses, go-to-market strategy, and post-merger integration.

Bill Martin,

CFA®

Chief Wealth Officer

About

As Chief Wealth Officer and a CFA® charterholder, Bill is driven to accelerate wealth creation for doctor clients, by career stage and their unique career arc, using advanced technologies, deep data insights, and evidence-based methodologies. In this role, Bill leads development of Earned's perspective across the seven wealth domains that together most drive financial outcomes for doctors: investing, tax planning, career advisory, insurance, trust and estate, debt management, and cash management.

Luke Nowicki

Chief Development Officer

About

Luke leads Earned’s growth strategy by acquiring businesses that serve healthcare clients. Prior to joining Earned, he was a Vice President at Summit Partners, focusing on growth equity investments in healthcare. He also worked in M&A advisory at Harris Williams & Co. Luke graduated with honors from The College of William and Mary with dual majors in Finance and Mathematics.

Connect with us

Learn more about the powerful combination of you and Earned. Connect with our Chief Development Officer, Luke Nowicki at 201-956-7234 or luke@earned.com.

Redefine financial services for healthcare professionals.

Earned is the premier financial services firm for healthcare professionals and their practices.

We have an ambitious vision to be the only financial services firm doctors turn to.

Accelerate your clients' wealth and turbocharge your business.

Large investment, tax, and accounting firm: Year one results

Join a rapidly growing team and help us build the nextmulti-generational financial services brand.

A proven playbook for a seamless experience.

Visionary leadership with expertise in growing businesses and creating long-term value.

Connect with us

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Join a rapidly growing team and help us build the next
multi-generational financial services brand.