If you're a physician or dentist, these services are built for your life: the student debt you're carrying, the practice you might own or want to own, the years you spent in training instead of saving, the patient income that keeps growing. Each piece connects to the others. Pick the one that matches where you are right now and see how it fits with the rest.
Physician financial planning
Refinancing federal loans with a private lender can't be undone, and a doctor who refinances in year two then joins a nonprofit hospital gives up Public Service Loan Forgiveness on the remaining balance.
Details →Student loan planning
The first step is pulling every federal loan from studentaid.gov, with its loan type, servicer and qualifying PSLF payment count.
Details →Cash balance plans
Partners who leave plan assets mostly in stocks into their final year can end up helping repay a funding shortfall.
Details →Practice transition planning
Owners who plan alone tend to look only at the headline price.
Details →Investment management for doctors
A 0.60 percent fund-cost gap on $400,000 is $2,400 each year, and selling investments during a down year to cover a gap in pay turns a temporary drop into a permanent loss.
Details →Tax planning for high earners
One of the first steps is projecting this year’s and next year’s tax side by side, so quarterly estimates start before the first April without withholding.
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