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For Physicians

Medical School & Residency

Pain Points:
  • Overwhelming student loan balance with complex repayment options.
  • Pressure to buy expensive new technology and equipment.
  • Uncertainty about structuring associate income vs. future practice
    ownership.
Solutions:
  • A clear analysis of your student loan options (PSLF vs. Refinance) to create an actionable plan.
  • A simple, automated budgeting and savings strategy that works even with a demanding schedule.
  • Securing a true own-occupation disability insurance policy at the most affordable rates.
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Early Attending

Pain Points:
  • A massive jump in income brings overwhelming choices and the risk of lifestyle inflation.
  • You’re facing a surprisingly high tax bill for the first time.
  • You know you need to save for retirement but feel years behind your peers.
Solutions:
  • A cash flow plan to balance enjoying your new income with aggressive savings and debt paydown.
  • Proactive tax planning, including strategies for moonlighting income and maximizing retirement contributions.
  • A “catch-up” retirement strategy using 401(k)s, Backdoor Roth IRAs, and other investment accounts.
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Mid-Career

Pain Points:
  • Juggling a mortgage, college savings for kids, and your own retirement feels overwhelming.
  • You’re concerned that your growing net worth is exposed to malpractice lawsuits.
  • Burnout is becoming a real concern, and you’re wondering if you can achieve financial independence sooner.
Solutions:
  • An integrated financial plan that prioritizes and funds all your competing goals.
  • An asset protection review to shield your home and personal investments from professional liability.
  • Advanced investment management and financial modeling to map out a path to an early retirement.

Late Career

Pain Points:
  • You’re worried you haven’t saved enough and are panicking about making up for lost time.
  • You want to transition out of full-time practice but aren’t sure how to replace your income.
  • You need to ensure your family is taken care of and your financial legacy is secure.
Solutions:
  • Maximizing catch-up contributions and exploring advanced savings vehicles like defined benefit plans.
  • Creating a reliable retirement income strategy to turn your nest egg into a predictable “paycheck.”
  • Comprehensive estate planning to minimize taxes and ensure your assets are passed on efficiently.
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FAQ

It depends. If you’re employed by a qualifying non-profit or government hospital and plan to stay for 10 years, PSLF is often the best path. If you’re entering private practice, refinancing might offer a lower interest rate. We can run a personalized analysis to compare both options.
It’s wise to secure coverage as early as possible. For many residents, an employer-sponsored group disability plan is a great, cost-effective starting point. As your income increases as an attending, we can supplement that with a private, true own-occupation policy to ensure your future earnings are fully protected. This strategy balances cost with comprehensive coverage.
Lifestyle inflation. The temptation to immediately buy a luxury car and a large house is strong. We recommend creating a “catch-up” savings plan first to max out retirement accounts before significantly increasing your spending.
It’s a multi-layered approach. It starts with adequate malpractice and umbrella insurance. Beyond that, we can explore strategies like properly titling assets, using trusts, and ensuring your retirement accounts are structured correctly for creditor protection.
Moonlighting income is 1099 income, meaning no taxes are withheld. You’ll need to make quarterly estimated tax payments to the IRS to avoid penalties. We can also explore setting up an LLC or S-Corp to potentially lower your tax burden.