Independent RIA · Fee-based · Serving clients nationally
Most advisors chase returns. We find the money you’re quietly losing.
Overpaying taxes. Unoptimized student loans. Full sticker price for college. Most people lose more money in ways they can’t see than they’ll ever gain by beating the market. We find those leaks — and put the money back to work, without touching your current lifestyle.
No pitch. Fifteen minutes on Zoom to see if there’s money worth going after.
Who we help
Built for two kinds of people with the same expensive problem
High income, high complexity, no time. The leaks are different — the fix is the same process.
You make plenty. You’re still leaking money.
Six-figure student debt, a tax bill nobody has seriously challenged, and no time to deal with either. The average medical school graduate owes $250,995 — and most are on the wrong repayment plan. We’ve saved physicians over $400,000 on student loans alone, then used sophisticated tax planning to keep more of every year’s income.
College is the 2nd-largest purchase you’ll ever make.
Most families pay sticker price because nobody showed them how the game works. We find colleges that compete for your student, cut the real cost — over $80,000 for one family — and if loans are needed, structure them so they cost the least and forgive the most.
What we do
Six places your money is leaking right now
Not market losses. Structural losses — money that leaves quietly every year and never comes back. We audit all six, then put what we recover back to work.
Taxes
High earners routinely overpay because no one has shown them the alternatives. This is usually the biggest leak.
Your mortgage
How you pay for your house — structure, rate, and timing — can cost or save six figures over its life.
College costs
Paying sticker price is optional. Positioning, aid strategy, and school selection change the number dramatically.
Student loans
The wrong repayment plan silently costs tens to hundreds of thousands. The right one maximizes forgiveness.
Retirement funding
How you fund your accounts — which ones, in what order, with what tax treatment — matters as much as what’s in them.
Major purchases
Cars, weddings, vacations. How you pay for big-ticket items either protects your wealth or quietly drains it.
Our signature process
An official doesn’t play the game. An official knows the rulebook — and calls it fairly.
The Official’s Way is how we work with every client: impartial, rules-based, and on your side of the whistle. No products pushed. No commissions chased. Just the rulebook of taxes, loans, and aid — applied to your money.
The Review
A short call, then one working session. We map where your money actually goes and run your numbers through all six leak areas. Most clients see the first recoverable dollars in this meeting.
The Call
Within two days you get the ruling: what you’re losing, where, and what it’s worth to fix. A written game plan with the plays ranked by dollar impact — yours to keep either way.
The Season
If we work together, we run the plan and keep officiating: investments managed to minimize drawdowns, taxes and loans re-checked every year, and adjustments as the rules — and your life — change.
The first thing we referee: four questions most people can’t answer
- What rate of return do you need to live the way you live today — adjusted for inflation — and have your money last to life expectancy?
- How much do you need to save each year to make sure you’ll have enough?
- How long do you have to work before you can stop — and not run out?
- If you change nothing, how much will you have to cut your lifestyle to keep from running out of money?
Fifteen minutes on Zoom gets you the answers. Already retired? The same questions apply to what you’ve accumulated — book the retirement version here.
Services & pricing
Clear services. Published prices. No mystery fees.
Most advisory firms make you sit through a meeting to learn what anything costs. Here’s ours, up front.
Wealth management
Ongoing advisory relationships under The Official’s Way — planning, investments, taxes, insurance, and student loans under one roof.
Financial Planning — Annual Service
- Full financial plan built and maintained year-round
- The four critical questions, answered and tracked
- Sophisticated tax planning strategies
- Student loan servicing included — plan selection, recertification, servicer advocacy
- Insurance and protection review
Investment Management
- Models built and actively managed by Eric — not outsourced
- Focused on minimizing drawdowns, not just chasing returns
- Held at Interactive Brokers — low-cost, transparent custody
- Coordinated with your tax plan, not run in isolation
College planning
Flat-fee packages for families of college-bound high school students. Positioning finds the right schools; Funding pays for them; Concierge does both.
Positioning
- Career assessment and college search with a counselor
- SCHOLARS portal — tasks, deadlines, and reminders in one place
- Admissions Application Bootcamp with live support
- Coaching to pick schools that fit academically, socially, and financially
Concierge
- The complete process, admissions through award letters
- FAFSA, CSS Profile, and institutional aid forms handled
- SAI reduction recommendations where applicable
- 4-year cashflow projection and loan strategy from a CSLP®
- Award letter analysis and appeal support
Funding
- FAFSA and CSS Profile support
- Scholarship database matched to your student
- Student loan education and funding strategy
- 4-year payment schedule and cashflow report
- Award offers, appeals, and acceptance guidance
Student loan services
For borrowers with large federal debt — physicians, dentists, and pharmacists. The first meeting is credited back if you move to a full analysis.
Student Loan Meeting
- Your loans reviewed by a CSLP®
- Enough direction to act on your own if you choose
Student Loan Analysis & Implementation
- Full data analysis and plan-by-plan comparison
- Forgiveness amount calculated, including PSLF
- Written strategy and report
- All paperwork, deadlines, and servicer advocacy handled
- Annual recertification support
The college funding practice at POV Wealth
We find the schools that compete for your student — and the money to pay for them
The College Funding Specialists is now part of POV Wealth. Same team, same CSLP®-backed process, one front door. Four things happen when we take on a family:
Student Aid Index
Find out what the government and the colleges think you can afford — and what aid you can realistically expect.
College cashflow strategy
A full 4-year picture: entrance and scholarship details, borrowing requirements, affordability rating, and payment schedule.
Student loan education
If there’s a gap, learn exactly which loans to use, in what order, and how to keep them from becoming a 20-year mistake.
Loan forgiveness strategy
We specialize in large federal debt — over $100K. Minimize the payments, maximize what gets forgiven.
College Aid Pro™
We use the #1-rated college funding software to find the schools that give your student the most free money — and compare your true out-of-pocket cost at each one.
Certified Student Loan Professional (CSLP®)
The only specialty designation for financial professionals focused on student loan repayment and forgiveness. Few advisors hold it. Eric does.
About POV Wealth
One advisor. Every hat. Your side of the table.
POV Wealth is an independent Registered Investment Advisor founded by Eric McGinley. Independent means no product quotas, no house funds, no one upstream taking a cut — advice is the product. Eric has spent 15+ years in finance and built the firm around a simple observation: for most successful families, the biggest gains don’t come from beating the market. They come from stopping the losses nobody’s watching.
Independent RIA
15+ years in finance
Falls Church, VA — serving clients nationally
Check any advisory firm before you hire them — including this one:
Questions
The things people actually ask
Why do you charge for the first student loan meeting?
Because it’s worth paying for. In 30 minutes you’ll almost always leave with enough to implement a strategy yourself. If you hire us for the full analysis, the $100 comes off the fee.
Can you actually save me money on my student loans?
Usually, not always — and we’ll tell you which one you are quickly. If your debt exceeds your income, we can almost always structure forgiveness and lower your payments. If your income exceeds your debt, forgiveness generally only works if you’re employed by government or a 501(c)(3) nonprofit.
Is paying for college planning advice really worth it?
You already pay a professional to keep the IRS from taking more than it should. College is the second-largest purchase most families ever make, at record-high prices. One family we worked with cut over $80,000 from their total cost. The fee is $1,700–$3,400.
What makes POV Wealth different from other advisors?
Most advisors sell returns. Returns are important — but they’re the part of your finances you control least. We focus first on the part you control most: money leaving unnecessarily through taxes, loan structure, college costs, and how you fund big purchases. Recovered losses are guaranteed gains.
What does “The Official’s Way” mean?
It’s our signature process, named for what a good official does: knows the rulebook cold, watches everything, and makes impartial calls. We apply the rulebook — tax code, loan rules, aid formulas — to your money, and we don’t have a side bet on the outcome.
Do I have to live near Falls Church, VA?
No. Almost everything happens over Zoom, and Eric is authorized to conduct securities and advisory business throughout the United States except Texas and Louisiana.
Fifteen minutes. Four answers.
Find out what you’re losing.
The first call costs nothing and obligates you to nothing. Worst case, you learn your numbers are fine — which is worth knowing too.
Independent wealth advisory for physicians, professionals, and college-bound families.2018 Dexter Drive, Falls Church, VA 22043
Eric McGinley is an investment advisor representative of, and securities and advisory services are offered through, POV Wealth LLC, a Registered Investment Advisor located at 2018 Dexter Drive, Falls Church, VA 22043. Eric McGinley is authorized to transact securities-related business and investment advisory services in the United States except Texas and Louisiana.
This website is not intended to provide investment, legal, or tax advice, nor to effect securities transactions or to render personal advice for compensation. © 2026 POV Wealth. All rights reserved.
