Financial advisors who specialize in physician finances.
Student loans (PAYE vs PSLF vs refinance), late-start retirement catch-up, the whole-life pitch you keep getting, hospital-vs-private comp — matched with advisors who work with doctors every day.
Physician finances aren't like anything else
You start earning at 30-35 after a decade of training. You carry $200K-$400K in loans at rates that compounded through residency. You're targeted by the industry's most aggressive insurance sales pitches. And you're supposed to figure out PSLF on top of all of it. A generalist advisor who works with tech workers won't know any of this.
- Loan strategy (PSLF vs. refinance) can easily swing $150K+ of net-present value.
- Your earning window is compressed — catch-up retirement math is different from a 30-year-earner's.
- Whole life and private placement insurance pitches often hide 1–3% of annual drag.
- Employed vs. private-practice comp isn't directly comparable — benefits, tax, partnership path all matter.
Tools & guides
Physician Student Loan Calculator
Compare PAYE, SAVE/REPAYE, PSLF, and refinance side-by-side — with total cost, forgiveness, and tax-bomb projections over the repayment horizon.
PSLF Payment Tracker Calculator
Already on PSLF? Enter your payments made, current balance, and IDR amounts to see your projected forgiveness date, tax-free forgiveness amount, and loan balance trajectory through month 120.
Physician Retirement Catch-Up Calculator
Model your retirement gap given a late start. Compare solo 401(k), cash balance plan, and backdoor Roth scenarios to see if your savings rate gets you to your target retirement age.
Physician Take-Home Pay Calculator
See exactly where your salary goes: federal taxes, FICA, state taxes, and student loan payments. Understand why you feel broke on $350K — and what you can actually move.
Financial Planning for Physicians: From Residency to Retirement
The arc: resident budgeting, PSLF decision, first-attending year, retirement catch-up, and the plan to retire before your back gives out.
PSLF for Doctors: How to Actually Qualify
Eligible employer, eligible loan type, eligible repayment plan, certified employment — the four pillars and what disqualifies you (often quietly) from each.
Whole Life Insurance for Doctors: Is It Worth It?
Why physicians get pitched so hard, what the illustrations usually hide, and the short list of situations where permanent insurance actually fits.
Private Practice vs. Hospital Employment
Comp models compared: W-2 vs. production vs. partnership track. Benefits value, malpractice, tax implications, and partnership buy-in math.
Disability Insurance for Physicians: The Own-Occupation Guide
True own-occupation vs. modified definitions, how much coverage you need, which riders actually matter, and why buying during residency is the right move.
Physician Tax Strategy: Reducing Your Tax Burden in the High-Income Years
Retirement account stacking, S-corp election for 1099 income, backdoor Roth, the QBI deduction window most physicians miss, and the Roth conversion case for doing it during residency.
Physician Mortgage Loans: The Doctor Loan Guide
No PMI, 0% down, and student loans counted differently in your DTI — how physician mortgages work, what they actually cost, and when a doctor loan makes more sense than waiting to save 20%.
Physician FIRE: Can Doctors Really Retire Early?
The late-start, high-debt problem and how to solve it. Coast FIRE milestones, cash balance plan stacking, PSLF as a FIRE accelerator, and what actually derails physician early retirement.
457(b) Deferred Compensation for Physicians
Hospital-employed physicians can stack a 457(b) on top of their 403(b) for $49,000+ in combined pre-tax deferral. But non-governmental plans carry a creditor risk most doctors don't know about until it's too late.
Life Insurance for Physicians: How Much Term Coverage You Need
Most physicians are underinsured relative to their debt load and income — or over-sold into expensive permanent policies. Learn how to calculate your real coverage need, why term is right for most doctors, and what practice owners need separately.
Physician Budget Planner
Enter your salary, tax situation, and monthly expenses to see your real after-tax cash flow, savings rate, and what your current savings trajectory means for long-term wealth building.
How to Choose a Physician Financial Advisor
Fee-only vs. fee-based, credentials that matter, red flags, and the six questions to ask before you sign anything. What separates a physician specialist from a generalist who happens to take physician clients.
Solo 401(k) for Physicians: $72,000 for 1099 Doctors
Locum tenens and practice owners can shelter up to $72,000 in 2026 — even alongside a hospital W-2. How the employee/employer contribution split works, the multiple-employer rule most physicians get wrong, and how to stack with a cash balance plan.
Physician Private Equity Buyout: Financial Planning Guide
PE firms are consolidating physician practices at record pace. Here's how deals are structured (MSO, cash vs. rollover equity), how each layer is taxed, what QSBS after OBBBA means for your rollover stake, and the pre-close planning moves that can save six figures.
All physician finance guides
Calculators & Tools
Student Loans & Forgiveness
Career & Compensation
Retirement Accounts
Tax Strategy
Insurance & Asset Protection
Investing & Wealth Building
Practice Ownership
Life Events
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Physician Advisor Match is a matching service. We connect you with vetted fee-only financial advisors in our network — we don't manage money or provide advice ourselves. Advisors in our network are fiduciaries who charge transparent fees (not product commissions), and we match you based on your specific situation.