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specialized servicesPhysicians.

the realityBuilt for the financial
life of a physician.

From the resident facing six-figure debt to the surgeon weighing a partnership buy-in to the retiring physician transitioning a practice — our financial planning for physicians is built around the decisions a medical career actually presents.

Compressed timelines. Elevated exposure. Complex contracts. A physician's financial life carries pressures a generalist advisor rarely sees.

  • Compressed earning window. You start earning a decade later than your peers. The math of compound growth needs to work for you — and it can.
  • Higher litigation profile. High income plus a procedural specialty equals a higher litigation profile. Coverage structure matters more than coverage amount.
  • Contract complexity. Employment agreements, partnership tracks, and compensation models that are unique to your specialty.

i.

Residents & Fellows

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ii.

Attendings & Specialists

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iii.

Practice Owners

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iv.

Retiring physicians

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i.Residents & Fellows

The decade where small decisions compound into outsized outcomes — and a few specific moves help protect everything that follows.

  • i. Student-loan strategy. PSLF eligibility, IDR plan choice, refinancing timing — and the question of whether your situation actually rewards aggressive prepayment.
  • ii. Own-occupation disability. The single most-undersold protection a resident needs. Consider purchasing before training ends; the rates and underwriting are generally better.
  • iii. Roth contributions. The income window is narrowest here. We don’t miss it.
  • iv. Contract review timing. Sign-on bonus structure, malpractice tail, non-compete radius, and the deferred compensation few residents read carefully enough.

Ii.Attendings & Specialists

Income arrives — and so do the brackets that determine whether it compounds for you or for the Treasury.

  • i. Backdoor & mega-backdoor Roth. Why these matter more now than ever, and the pro-rata trap that destroys them if structured carelessly.
  • ii. Asset location. Same dollars, three account types, different tax bills. We move them where the math works.
  • iii. Umbrella & excess liability. High-income earners may need ten times what the average homeowner carries. We review the gaps so you don't have to.
  • iv. Estate baseline. Will, trust, durable POA, healthcare directive — and the beneficiary review most attorneys forget to coordinate.

iii.Practice Owners

A practice is a business with its own balance sheet, retirement structure, and exit reality. We integrate it with your personal plan.

  • i. Cash-balance & defined-benefit plans. A potential six-figure annual deductions for owner-physicians, properly designed and properly administered.
  • ii. Buy-sell architecture. Funded triggers, not just paper agreements. The partner who dies, divorces, or departs is the test case.
  • iii. Entity & ownership structure. S-corp election timing, reasonable compensation, accountable plans — coordinated with your CPA, not in conflict with them.
  • iv. Succession & transition. Sell to a partner, a hospital system, a private-equity rollup, or to family — the financial implications of each, modeled side by side.

iv.Retiring physicians

The accumulation chapter ends. The distribution chapter — where most of the planning errors of a lifetime actually surface — begins.

  • i. Roth conversion ladders. The years between final paycheck and first RMD are the most valuable tax window of your life.
  • ii. IRMAA awareness. Medicare premiums two years in arrears can cost retired physicians five figures a year if planning ignores them.
  • iii. Withdrawal sequencing. Which account funds the lifestyle first, which compounds longest, and how Social Security claiming changes both.
  • iv. Charitable & generational gifting. QCDs, donor-advised funds, and the SECURE-Act-era rules on inherited IRAs that changed everything for adult children of physicians.

Questions physicians bring.

  • We have a minimum that grows out of the work, not the other way around. Residents and fellows are welcome at flat-fee planning engagements or if they choose to obtain disability insurance through our firm; attendings and practice owners are typically AUM-based. We’ll explain both in plain numbers on the introductory call where we can discuss the suitable solution for you and your situation.

  • No. Your CPA stays the tax authority. We coordinate planning ideas with them, send memos before meetings, and get on the call when work crosses years or jurisdictions.

  • A diagnostic engagement is an honest place to start. Written findings, no obligation to continue. About 90% of those engagements become full relationships based on our process; the other 10% leave with a clear written set of recommendations and a handshake.

  • Yes — the 403(b)/457(b) coordination, eligible 415 limits, and university retiree medical plans are some of the most interesting work we do.

  • We don’t pretend it’s easy. We do walk you through the math, the documentation discipline, and the refinance trigger points that determine when forgiveness is genuinely worth the discipline.

  • We have access to an array of carriers but typically offer solutions in the disability space for Physicians from Principal, Guardian, Ameritas, The Standard, and MassMutual.

The First StepBegin a Conversation.

An introductory call — thirty minutes, no obligation, no pitch. We'll listen to where you are and tell you, candidly, whether we can help.

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