Who we serve Physicians

Financial planning for physicians.

Long training, a high income that arrives later, and choices about partnership or practice ownership make a physician’s finances different. We build plans around the way your career actually unfolds.

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Is this you?

You’re a physician in residency, early in practice or approaching partnership, and want a plan for your income, your loans and your future.

Decisions we help you make

Every plan is built around your situation. These are the questions we work through most often.

Student loans

Comparing repayment, forgiveness programs and refinancing for your situation.

Partnership decisions

Understanding buy-ins, compensation structures and what an offer means for your finances.

Retirement savings

Making full use of 401(k), 403(b), 457(b), backdoor Roth and practice-sponsored plans.

Tax planning

Strategies for high income, including 1099 and locum work.

Protecting your income

Reviewing own-occupation disability, life insurance and liability coverage.

Building wealth

Turning a high income into lasting net worth while enjoying the life you’ve worked toward.

A situation we often see

Every client is different. This hypothetical example shows how we might approach a common situation.

This case study is hypothetical and for illustrative purposes only. It is a composite based on situations we commonly see and does not represent any specific client. Your results will depend on your own circumstances. It is not a guarantee of future results or a recommendation for any individual.

From residency to a new attending contract

The situation: A new attending physician with about $350,000 in student loans weighing an offer from a nonprofit hospital.
What we did: We compared Public Service Loan Forgiveness with refinancing, set up own-occupation disability coverage and organized contributions across the 403(b), 457(b) and a backdoor Roth IRA.
The outcome: A loan strategy tied to her career plans, a protected income and a savings plan in place from her first attending paycheck.

Common questions

General information to help you think through your situation. Your plan will depend on your own circumstances.

Should I pursue PSLF or refinance my student loans?

Public Service Loan Forgiveness can forgive remaining federal loan balances after 120 qualifying payments while you work full-time for a qualifying employer, such as a nonprofit hospital. Refinancing can lower your rate but makes the loans ineligible for PSLF, so your career plans drive the decision.

What is own-occupation disability insurance?

It pays benefits if you can’t work in your own specialty, even if you could work in another field. For physicians, whose income depends on specialized skills, it’s usually the most important coverage to review.

What is a backdoor Roth IRA?

If your income is above the Roth IRA limits, you can contribute to a traditional IRA and then convert it to a Roth. It’s legal and common, but other pre-tax IRA balances can make the conversion partly taxable, so it needs to be set up carefully.

Getting started

Your first meeting is free, with no obligation. If you have them handy, it helps to bring: your student loan details, a recent pay stub or contract, last year’s tax return and statements for your retirement accounts. Nothing is required for the first conversation.

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