Jackson Heart Clinic 401(k): A Retirement Plan Built for Busy Cardiologists

Maximizing a Strong Pulse: What Jackson Heart Clinic’s 401(k) Says About Your Financial Health

At Jackson Heart Clinic, precision, expertise, and long-term focus aren’t just reserved for patient care—they’re built into your 401(k) plan as well.

Let’s start with the numbers that matter. If you contribute 5% of your salary, the clinic matches it with a generous 3.5%. That’s essentially free money—something even the best investment strategy can’t beat. For physicians with long careers ahead, this match adds up to a significant retirement boost.

But it’s not just about the match—it’s also about where your money is going. Jackson Heart Clinic offers a strong lineup of low-cost Vanguard index funds and Target Date funds, which are known for their simplicity and cost efficiency. For many, these are smart, set-it-and-forget-it investment choices that align with retirement goals.

Interestingly, about two-thirds of the plan’s assets are held in self-directed brokerage accounts. This is a notable sign. It tells us that many of your colleagues are taking an active, sophisticated approach to investing—likely seeking tax efficiency, diversification, and higher returns over time.

In short, this isn’t just any 401(k)—it’s an excellent one. And as a cardiologist used to making informed, life-shaping decisions every day, your retirement plan deserves the same thoughtful attention.

Need a second opinion on your portfolio within the plan? We’re always here to help.

About Daniel Harris and D.R. Harris & Co

Daniel Harris is the founder and principal of D.R. Harris & Co., a national, fee-only fiduciary financial advisory firm based in La Jolla, CA (in the San Diego Metropolitan Area). With over two decades of experience helping physicians with their finances, Daniel is dedicated to helping physicians navigate the complexities of their financial lives. He earned his B.A. from Stanford University and his J.D. from UC Berkeley School of Law, where he focused on tax law—knowledge he uses to craft tax-efficient investment strategies for his clients.

Throughout his career, Daniel has observed over $1 billion in securities transactions, providing him with invaluable experience in wealth management, tax strategy, and financial planning. As a fiduciary, Daniel is committed to offering advice that puts client interests first.

At D.R. Harris & Co., Daniel works directly with physicians to create personalized financial strategies that address the unique challenges they face, from transitioning to becoming an attending to retirement planning. His goal is to help physicians manage their financial future with confidence, so they can focus on their careers and families and what matters to them.

If you are a physician at Jackson Heart Clinic and have any questions about your Jackson Heart Clinic 401(k), feel free to click here to set up an introductory call and discuss any questions you might have.