The Reality Physicians Face
High income does not equal high wealth — most physicians leak 40–50% of lifetime earnings due to taxes, inflation, market overexposure, and poor portfolio design.
41–52%
of lifetime income lost to taxes, inflation & poor structuring
86%
of traditional portfolios are overexposed to public markets
94%
of advisors cannot offer private-market access
THE BALUCH DIFFERENCE
A Different Approach to Wealth Management
Traditional Approach
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High exposure to public markets → high volatility
No access to pre-IPO or medtech
Generic advice, no sector expertise
Blind lockups up to 7–10 yrs
Traditional Approach
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High exposure to public markets → high volatility
Sector expertise in medtech/biotech unavailable to Wall Street generalists
Downside-protected structures modeled after clinical risk systems
High exposure to public markets → high volatility
FINANCIAL OUTCOMES
Designed for Physician Lifestyles
26 months
Weighted avg. hold period
predictable exits, no decade-long lockups
68%
of deals include quarterly or monthly distributions
Principal protection first
downside coverage embedded in 82% of structures
INCOME & TAX OPTIMIZATION
Keep More of What You Earn
Baluch structures are designed to reduce physician tax drag, create passive income, and build multi-source compounding.
Private Credit Yield
11–18%
Build-to-Rent Cash Flow
6–9% YoY rent growth
Pre-IPO Appreciation
41–63% below IPO valuation ranges
VERIFIED TRACK RECORD
Capital Growth Without Excessive Volatility
Baluch structures are designed to reduce physician tax drag, create passive income, and build multi-source compounding.
0%
principal loss
+142%
Baluch Composite return (5 yrs)
-4.1%
max drawdown (vs S&P's –34%)
Total return, 2019–2024 — Baluch Capital Composite vs public market benchmarks.
Why Baluch Funds Outperform
Institutional-grade frameworks built for sophisticated investors
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"After 15 years practicing cardiology, I realized I was excellent at saving lives but terrible at preserving wealth. Baluch gave me access to the same institutional-grade opportunities typically reserved for endowments."
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Dr. Sarah Chen
Interventional Cardiologist
Stanford Health
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"The transparency is what sold me. Every deal includes detailed risk analysis, exit timelines, and downside protection. It's the same rigor I expect in clinical trials."
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Dr. Michael Roberts
Orthopedic Surgeon
Mayo Clinic
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"I was tired of generic wealth management. Baluch understands physician income patterns, tax optimization, and actually delivers on private market access that most advisors can't provide."
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Dr. Priya Sharma
Chief of Neurosurgery
Cleveland Clinic