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Years of training. A late start on wealth building. Complex income structures. We help physicians build a financial plan as disciplined as their practice.
Medical training consumes the decade most professionals use to build a financial foundation. Physicians entering peak earning years later need a plan built for that reality, not a generic one that ignores it.
Six-figure loan balances interact directly with income, tax filing status, and retirement contributions. Managing debt separately from the rest of your financial plan produces worse outcomes across all of them.
Whether you're employed by a health system, a partner in private practice, or an independent contractor, your income structure shapes your tax exposure, retirement options, and benefits. A plan that doesn't reflect your specific setting isn't accurate.
Physicians carry professional liability most clients don't. Malpractice coverage, asset protection structures, and personal umbrella policies need to be coordinated, not treated as afterthoughts.
Our physician wealth management service addresses the specific financial realities of medical professionals from student debt to practice transitions in a single integrated plan.
A structured onboarding built around your practice setting and career stage, followed by a financial plan that accounts for every dimension of physician financial life.
The first conversation is about context: how you earn, how you're taxed, the debt you carry, the accounts you already hold, and what you want the money to do over a career.
Within about 30 days, you have a written plan in hand. It sets your student debt approach, picks the right retirement accounts, positions you for taxes, puts your investments to work, and closes any protection gaps, all timed to your income and career stage.
Next comes the setup. We open your investment accounts, optimize retirement contributions, get your loan repayment strategy moving, and talk to your malpractice and personal insurers to close anything left exposed.
Your finances change as you move from residency to attending to practice owner, and eventually out. We adjust the plan at each stage instead of waiting for you to flag the shift.
Have questions? We’ve got answers. Here is what people are asking. If you don’t see what you’re looking for, feel free to reach out!
We model your repayment options (income-driven repayment, PSLF eligibility, refinancing) against your investment and retirement contribution strategy. The goal is a plan where debt management and wealth building work together rather than compete.
It depends on your setting. Employed physicians typically have access to 403(b) or 457(b) plans. Private practice owners can access SEP-IRAs, Solo 401(k)s, and defined benefit plans with significantly higher contribution limits. We identify what's available and build a contribution strategy around your income and tax position.
The financial shift is significant: income structure, tax classification, benefits, retirement accounts, and liability exposure all change at once. We model the full financial picture of both scenarios before you make the move.
No. Residency is one of the highest-leverage periods for financial planning. Student loan decisions made during training have long-term consequences. Income-driven repayment elections, Roth IRA contributions during low-income years, and employer benefit enrollment all benefit from early attention.