Financial Planning
A financial plan built around your medical career.
One written plan that coordinates cash flow, student loans, investments, insurance, taxes, and retirement, updated every year as your life and career evolve.
What's Included
A physician's financial plan covers more than most.
The financial picture for a physician is more complex than almost any other professional. Your plan reflects that. Every area, fully coordinated.
Cash Flow & Budgeting
A physician's cash flow is unlike most high earners. Student loans, malpractice insurance, retirement contributions, and a family all compete for a large but not unlimited paycheck. We build a cash flow system that lets you live well and build wealth.
Student Loan Strategy
PSLF, IDR, or refinancing: the right answer depends on your employer, loan balance, and income trajectory. We model every scenario and give you a written recommendation so you stop wondering and start executing.
Investment Allocation
A comprehensive plan includes an investment policy statement: your target allocation, account hierarchy, and rebalancing rules, so every dollar in every account is working toward the same goal.
Insurance Review
Own-occupation disability, term life, umbrella. Your plan reviews every policy you have and identifies gaps. Your income is your most valuable asset. We make sure it is protected.
Tax Planning
Proactive tax planning, including Roth conversions, tax-loss harvesting, entity structure, and deduction optimization, is coordinated with your CPA so your advisor and accountant are working from the same playbook.
Retirement Projections
We run Monte Carlo simulations and deterministic projections to show you what your retirement looks like at different savings rates, retirement ages, and market environments. You will see where you stand and exactly what to do about it.
Estate Planning Priorities
Your plan identifies your estate-planning gaps, including missing trusts, unfunded beneficiary designations, and outdated documents, and coordinates with an estate attorney to close them.
The Process
How we build your plan.
Our process is designed for people with demanding schedules. We do the heavy lifting so your time investment is minimal and the output is genuinely useful.
Discovery call
A complimentary 30-minute conversation to understand where you are and whether Attend is the right fit. No obligation, no sales pitch.
Comprehensive intake
You share your income, loans, benefits, investments, insurance, and goals. We review everything before our first deep-dive meeting.
Plan delivery
Within a few weeks, we deliver a written financial plan: personalized, prioritized, and built around your medical career. Not a template.
Implementation & ongoing
We work through every action item together. Annual plan reviews, tax-season coordination, and advisor availability between calls keep you on track.
Is This Right for You?
If you are a physician, a financial plan is not optional.
The complexity of a physician's financial life demands a comprehensive, coordinated strategy. Whether you are just starting residency or approaching the end of your career, now is the right time.
Get Your Plan Started- Residents and fellows starting their financial foundation
- New attendings managing their first high-income year
- Physicians with complex student loan decisions
- Private practice owners juggling business and personal finances
- Physicians approaching retirement who need a drawdown strategy
- Doctors who have never had a coordinated financial plan