01
Student loan and cash flow strategy
We build a repayment and savings plan that reflects your specific loan mix, employer, and household goals, rather than a generic payoff formula.
Who we serve / Doctors
Financial planning built for the realities of medicine.
From residency to practice ownership, a plan that keeps pace with a career that rarely stays the same.
Physicians often reach high earning years carrying significant debt, demanding schedules, and complex compensation structures — RVUs, partnership buy-ins, 1099 income, or a mix of several. We help you turn a demanding career into a coordinated financial plan, so the trade-offs you make at work translate into real progress at home.
Doctors often come to us when
- Student loan payments and high income need a coordinated strategy, not separate decisions
- A practice buy-in, partnership offer, or new compensation structure changes the picture
- Disability and liability coverage haven't been reviewed since residency
- Retirement accounts are scattered across employers, locums work, or a solo practice
- Tax bills feel too large given how hard the income was earned
- There's finally time to plan beyond the next shift
02
Compensation and practice ownership
RVU-based pay, 1099 income, and partnership buy-ins all change your planning. We help you evaluate offers and structure income for taxes and retirement.
03
Disability and liability protection
Your ability to earn is the asset the plan depends on. We review own-occupation disability coverage and liability exposure so one bad year doesn't undo everything.
04
Tax-efficient retirement savings
401(k), profit sharing, backdoor Roth, and cash balance plans are coordinated across every entity you work for or own, so you keep more of what you earn.
05
Investing around a demanding schedule
A portfolio built to run without daily attention, reviewed on a schedule that fits shift work and long hours rather than requiring constant oversight.
06
Planning beyond medicine
From a first home to eventually stepping back from clinical work, we help you plan the parts of life that get pushed aside during training and practice.
Questions we hear
Frequently asked
questions.
- When should a physician start working with a financial advisor?
- Often the earlier the better — decisions made in residency and early practice, like loan repayment strategy and disability coverage, are hard to undo later. We also regularly work with established physicians untangling years of scattered accounts.
- How do you help with student loan repayment?
- We model your options — including income-driven repayment, refinancing, and any forgiveness programs you may qualify for — against your full financial picture, not in isolation.
- What is a backdoor Roth and does it apply to me?
- It's a way for high earners who are phased out of direct Roth contributions to still build tax-free retirement savings. We evaluate whether it fits your accounts and tax situation.
- I'm considering a practice buy-in or partnership. Can you help me evaluate it?
- Yes. We review the terms, financing, and long-term economics of the offer alongside your existing financial plan so you can negotiate and decide with real numbers in front of you.
- Do you help with disability insurance?
- We review existing coverage — often an employer group policy that isn't enough on its own — and help you understand what an own-occupation individual policy would add.
- I have accounts with multiple past employers and locum assignments. Can you help consolidate?
- Yes. We take inventory of everything, evaluate whether to consolidate or keep certain accounts separate, and build one coordinated investment strategy going forward.
A conversation is a good place to start