Attend Wealth Free physician brief
Updated August 2026

The Physician Financial Roadmap

Most physician money advice arrives at the wrong time — portfolio theory to a resident with $380,000 of debt, or debt strategy to an attending who needed it eight years ago. This is the sequence, one stage at a time.

  • ✓Six career stages, residency through retirement
  • ✓The 2026 numbers: $24,500, $7,500, $4,400 / $8,750
  • ✓The decisions that close permanently if you miss them
  • ✓The mistake physicians make at every single stage

Attend Wealth · Physician Roadmap

The Physician Financial Roadmap

5 pages · sourced
Residency → retirement

Why this one matters

Good advice at the wrong stage is still the wrong advice.

The sequence matters more than the sophistication. A resident does not need portfolio theory; they need to lock in disability coverage before their medical record changes. An attending in year one does not need debt strategy; they needed it last year.

The pattern we see most

Doctors will spend weeks comparing advisory fees, then sign a disability policy or a partnership buy-in over a single lunch. The choices that shape the most wealth tend to get the least time — and they're the hardest to undo later.

What's inside the roadmap

  • The right money move for each stage — residency, fellowship, first attending year, and beyond
  • The coverage and contracts to lock in before your health or job changes
  • A tax and student-loan sequence built for physician income, not generic advice
  • The costly defaults most doctors accept without ever realizing it

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What's inside

Six stages. No filler.

01

Residency and fellowship

The decisions that expire: GSI disability coverage, PSLF certification, Roth while your rate is low, and the offer you sign before the income arrives.

02

The attending decade

Withholding reset, $49,000 across 403(b) and 457(b), the HSA nobody invests, backdoor Roth and the pro-rata trap.

03

Ownership and exit

Buy-ins, private-equity offers, asset protection, succession, and sequencing withdrawals without avoidable damage.