For Physicians & Surgeons
Wealth Planning for Physicians
A late start, a high income, and a full schedule. Physician financial planning has its own rules — and we know them.
01
Asset protection first
Physicians face liability exposure most professionals don't. We coordinate with attorneys to build the trust, LLC, and insurance structures that protect what you build.
02
Retirement plan stacking
401(k), 403(b), 457(b), profit sharing, cash-balance plans, backdoor Roth — physicians often have access to all of them. We sequence them properly.
03
Catching up, deliberately
A 35-year-old attending who saves aggressively for 20 years can absolutely retire wealthy. The math works — if the structure works.
What's included
- Student loan analysis: PSLF, IDR, refinance modeling
- Disability insurance review (own-occupation, specialty-specific)
- Asset-protection LLC and trust coordination
- Hospital 401(k) / 403(b) / 457(b) sequencing
- Backdoor and mega-backdoor Roth implementation
- Cash-balance plan design for private practice
- 1099 income and locums tax planning
- Real estate and depreciation strategies
Frequently Asked
Questions we often hear
It depends entirely on your employer status and projected income trajectory. If you work for a 501(c)(3) hospital and qualify for Public Service Loan Forgiveness, the math typically favors staying in an Income-Driven Repayment plan and pursuing forgiveness. If you're in private practice or a for-profit setting, refinancing to a lower rate often wins. We model both paths against your specific numbers before making a recommendation.
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