paul mchale

Paul McHale is an eternally curious ER physician, business owner, and real estate investor with a growing passion for retirement planning, tax strategies, and alternative investing. His experience in emergency medicine has taught him one critical lesson: many high-earning professionals enjoy life and spend freely, often putting off planning for the future.

The COVID crisis highlighted this reality when emergency department visits plummeted, shifts were cut, and many doctors, PAs, and nurses realized they couldn’t afford to work less—they needed every shift. The conventional advice—max out the 401(k), follow standard tax and savings strategies, and hope for the best—wasn’t serving them well.

Paul discovered the Infinite Banking Concept (IBC) in 2016 after purchasing a permanent insurance policy, and it completely reshaped his approach to financial planning and protecting his family and loved ones. Looking ahead, he plans to continue practicing emergency medicine part-time while creating businesses and helping other professionals rethink their financial strategies. He is actively working toward establishing a true “family” bank.

He believes that while many platforms discuss finance, very few provide a holistic approach. The vast array of financial tools—including savings, investing, estate planning, tax strategies, risk mitigation, and liquidity management—requires tailored guidance rather than cookie-cutter advice. Paul excels at asking the right questions, connecting people to the right resources, and helping craft strategies that fit unique lives and goals.

Outside of finance and medicine, Paul enjoys spending time with his wife of over 30 years, Cindy, their three daughters, and their ever-growing menagerie of animals, including dogs, cats, horses, goats, and chickens. He is an avid, if occasionally clumsy, fly fisherman and a habitual book starter (currently juggling around 15 at a time).

Paul is passionate about connecting people to ideas, whether in medicine, finance, or life’s occasional absurdities. He believes that collaborating with experts across disciplines is the best way to achieve financial independence. His goal is to build a community of strategists where professionals feel comfortable sharing their dreams, concerns, and finances, ultimately creating a plan that allows them to choose to work, rather than have to work.