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Physicians, Find Your Prescription for Financial Success

Physicians, Find Your Prescription for Financial Success

Physicians, Find Your Prescription for Financial Success 700 452 Waterford Bank NA

Sam Sayed VP, Private Banking, Waterford Bank, N.A.

Toledo plays home to a number of giants in the healthcare industry, and in turn is home to a number of new doctors, as well as established physicians.

As a physician new to Northwest Ohio, you have a lot on your mind. In addition to the change of being at a new office, hospital, or practice – you’re also navigating a new city and trying to get things checked off of your moving to do list.

Perhaps, you’re not new to the area, but you’re finally ready to open your own practice. Not only do you need the funds for real estate and construction, but you’re going to need to finance equipment and figure out how to handle the daily cash management of your business.

With all this racing around your head, wouldn’t it be nice to have a financial partner you know by name to help add a little peace of mind to your daily routine?

That’s where Waterford comes in. With an experienced Private Banking team who understands your unique financial goals and anticipates your needs, we are here to act as your prescription to success no matter what stage of your career you are in.

RESIDENTS AND FELLOWS

As you embark on your career, it is important to create a solid financial foundation that will offer you support wherever life takes you. With your hectic schedule, it can be difficult to find the time. However, with guidance and a financial partner who understands the depth of your professional commitments, we can help you find clear direction. The following are services you may find useful in this important stage of your career.

  • 100% Home Financing through Waterford’s Doctors Loan Program*, which include no prepayment penalties or private mortgage insurance needed
  • VIP Private Banking Checking and Money Market Savings Accounts offer Waterford’s top deposit interest rates plus an additional bonus rate on all tiers.

PRACTICING PHYSICIANS

You’ve worked hard to build your career, earn the respect of your peers, and give back to your community. However, the challenge of securing and strengthening your family’s financial future still remains. Don’t worry. It’s never too late to put our experienced guidance and daily support from a dedicated Banker to work for you.

  • 100% Home Financing through Waterford’s Doctors Loan Program*, which include no prepayment penalties or private mortgage insurance needed
  • VIP Private Banking Checking and Money Market Savings Accounts offer Waterford’s top deposit interest rates plus an additional bonus rate on all tiers.
  • Home Equity Line of Credit up to 90 % Loan-to-Value
  • Signature Line of Credit
  • Marketable Securities Loan

RUNNING YOUR OWN PRACTICE

Running a business keeps you busy. That’s why we’ve set up multiple products and service to make financial tasks from your daily banking to expanding your business as convenient as it can be for you. Services include:

  • Business checking and savings accounts
  • Certificates of Deposit
  • Business Online Banking and Bill Pay
  • Remote Deposit Capture Services
  • Treasury Management Services designed to fit your practice’s needs
  • Commercial lines of credit and term loans for equipment financing
  • Commercial Real Estate mortgages and construction loans

RETIRING PHYSICIANS

As you begin to think about closing out this chapter of your life and beginning a new one in retirement, there are many issues to consider.  From preparation to the daily reality of living in retirement, we can help you enjoy your new life with greater peace of mind.

  • Full Suite of VIP Private Banking Solutions
  • Creative Lending Implementation

As a healthcare professional, you worked hard to get where you are today; being more mindful of your financial picture and working with a trusted financial partner can help you get to where you aspire to be.


*Available to medical doctors who have a minimum of a M.D., D.O., D.M.D., or D.D.S. degree and an employment contract. All loans subject to application and credit approval, satisfactory appraisal and title insurance. Terms and conditions subject to change; other terms, conditions, and restrictions may apply.


About the Author

Banker, Sam Sayed

Sam Sayed is a Vice President of Private Banking at Waterford Bank, N.A. in Toledo, Ohio. Throughout his career Sam has provided detailed financial guidance to a vast array of individuals on their personal finances.  Sam’s clients include small business owners, corporate executives, attorneys and engineers, but an area of specialty that has always been a strong focus for him is working directly with healthcare professionals such as physicians, pharmacists, dentists and veterinarians. If you’d like to connect with Sam to discuss strategies that can lead to your own personal financial success or any other banking matter, please contact us here.

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