Most retirement plans are built for people with steady careers and predictable income. That's not how medicine works. We've built our approach alongside physicians, through training, burnout, income jumps, and real-life decisions, so your plan reflects how your career actually unfolds.
You started late. Most physicians don't reach full attending income until their early-to-mid 30s. That's 8 to 12 fewer years of compounding than peers who entered the workforce right out of college.
You finally have the income you worked for, but now the decisions are bigger, and the margin for mistakes is smaller. Lifestyle inflation and a student loan balance that rivals a mortgage can gradually undermine even a high income.
Your compensation structure is complex. W-2, 1099, productivity bonuses, partnership buy-ins. Each one has different implications for how and where you save.
Before anything else, we help you define what retirement actually costs for you, based on your life, not a generic formula. When you know your number, every other decision has a purpose behind it.
Most physicians have access to more savings vehicles than they realize: 403(b), 457(b), backdoor Roth IRA, HSA. We help you prioritize them in the right order and coordinate with your CPA to execute correctly. Practice owners may also have access to cash balance plans and solo 401(k)s, which can significantly increase annual tax-deferred savings.
You've seen firsthand what happens when extended care isn't planned for. LTC insurance helps shield your retirement assets from costs that health insurance and Medicare typically don't cover. We help you evaluate whether coverage makes sense for your situation and when to consider it. Licensed insurance professionals handle the policies; any applicable commissions are disclosed.
A retirement plan without an estate plan isn't complete. We work alongside estate attorneys to confirm the right documents are in place, your beneficiary designations are current, and your financial plan and estate plan are actually aligned. We don't draft legal documents, but we prevent anything from falling through the cracks.
For physicians who own a practice, the sale or succession of that business is often the largest financial event of their career. We help you think through timing, coordinate with your CPA and attorney on tax implications, and integrate the proceeds into your broader retirement plan.
For many physicians, retirement allows for the option to step back on your terms rather than quitting work entirely. Whether that means cutting back to part-time, leaving a high-pressure system, or taking time off entirely, we plan toward that kind of freedom from day one.
Set the foundation now. Roth IRA, PSLF strategy, early savings habits.
Balance loan payoff, first investments, and retirement account setup during the most important financial window of your career.
Maximize contributions, build investment efficiency, and evaluate long-term care insurance before health changes affect eligibility.
Set the foundation now. Roth IRA, PSLF strategy, early savings habits.
Cash balance plans, plan design, and practice exit and succession strategy, coordinated with your CPA and attorney.
Retirement budget clarity, withdrawal sequencing, Social Security timing, LTC coverage review, and estate plan updates.
This is for you if:
Start with a conversation. We'll walk through your current situation, identify gaps, and outline what a physician-specific retirement strategy could look like for you.
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