Our Biographies


Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF


Lawrence B. Keller is a CERTIFIED FINANCIAL PLANNER professional and the founder of Physician Financial Services, a company dealing exclusively with the financial needs and concerns of members of the medical profession.

Mr. Keller has spent the last twenty seven years providing insurance and investment products and services to resident, fellow and attending physicians. These include, but are not limited to, disability income insurance, life insurance, and investments.

Mr. Keller represents many well-respected companies in the financial services industry, which allows him the flexibility to provide unbiased advice and help recommend products that best suit each individuals needs and concerns.

Recognizing that a physician's time is limited, and in an effort to remain knowledgeable to provide the most value to his clients, Mr. Keller has obtained his CFP® certification as well as earned the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU) and Life Underwriter Training Council Fellow (LUTCF) designations.

Mr. Keller continues to keep abreast of the marketplace by attending professional conferences, and is an active member of the National Association of Insurance and Financial Advisors (NAIFA), the Financial Planning Association (FPA) and the Society of Financial Service Professionals (SFSP). In addition, Mr. Keller has qualified for the National Association of Insurance and Financial Advisors National Quality Award and is also a Qualifying & Life Member of the  Million Dollar Round Table (MDRT), an independent, international association of the life insurance industry's most successful underwriters.  He is also a  qualifying member of the 2017 Top of the Table®.

Mr. Keller is continuously conducting seminars dealing with issues such as income protection, wealth accumulation and asset protection.  He has been quoted in Medical Economics Magazine, and has written articles for several medical publications which include the following: Young Physicians’ Magazine, EM Resident (The newsletter of the Emergency Medicine Residents' Association), The Bulletin of the American Academy of Otolaryngology - Head and Neck Surgery, The Bulletin of the American Academy of Orthopaedic Surgeons, EyeWorld (A publication of the American Society of Cataract and Refractive Surgery), The Med-Peds News (The official newsletter of the National Med-Peds Residents' Association), General Surgery News, M.D. News Chicagoland Edition, Plastic Surgery Practice , Physician License & Practice Today, The Physician's Personal Advisory, as well as the American Academy of Dermatology's Young Physician Focus and Directions In Residency.  Additionally, he contributed to the books Orthopaedic Residency And Fellowship: A Guide To Success, The Business Of Plastic Surgery: Navigating A Successful CareerThe Doctor's Wealth Preservation Guide, Wealth Protection M.D. and The American Urological Association's Practice Management Tips.  He is also the author of PLAN FOR SUCCE$$, a guide to financial management, published by the American Society of Plastic Surgeons.





Harry R. Wigler, CPA*/PFS


Harry R. Wigler is an associate of Physician Financial Services.  Mr. Wigler has been a practicing accountant since 1991 and a Certified Public Accountant (CPA) since 1994.  He holds a Master’s Degree in Taxation from Baruch College as well as the Personal Financial Specialist (PFS) designation from the American Institute of Certified Public Accountants (AICPA).  Mr. Wigler specializes in tax planning, and tax preparation for high net worth individuals and closely held businesses.

Mr. Wigler keeps current of all tax and financial developments by attending continuing education conferences and seminars throughout the year.  He is a member of the tax section of the American Institute of Certified Public Accountants (AICPA) as well as an active committee member of the New York State Society of Certified Public Accountants (NYSSCPA).

*Not practicing for Guardian or its subsidiaries or affiliates.










Adam A. Sandman


Adam Sandman is a disability and life insurance agent. Prior to this role, Adam spent 20 years as a Chief Operating Officer (COO) for a national retail optical chain. Prior to that, he was a High School History and Economics teacher.

Adam joined Physician Financial Services in 2016 at the request of Lawrence Keller. As long time neighbors and friends, Larry felt that Adam’s skills and background as an educator, combined with his understanding of customer service, would bring tremendous value to his clients.

Mr. Keller also viewed the fact that Adam was new to the industry as a blessing. As a result, Larry could teach him his process of working with clients and the technical aspects associated with disability and life insurance products.

Mr. Sandman represents many well-respected companies in the financial services industry, which allows him the flexibility to provide unbiased advice and help recommend products that best suit each individual’s needs and concerns.


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