Healthcare Workers

Physicians & Surgeons

High income, high debt, late start

The earning potential is real — but so is the debt load from medical school, and years of residency at lower income mean the runway to retirement is shorter than it looks.

RNs, NPs & Nurse Leaders

Steady income, often overlooked

Nurses and nurse practitioners are some of the most financially disciplined people I work with — but they often haven't had anyone sit down and build a real plan with them.

PAs, Therapists & Allied Health

Strong career, complex benefits

Great income and typically strong employer benefits — but navigating retirement accounts, student loans, and what happens if you move between employers takes some thought.

Hospital & Practice Administrators

High earners with growing complexity

Executive compensation, deferred comp plans, and growing net worth can make the financial picture complicated quickly. This is exactly when having someone to work through it with you matters.

Training & Residency

Managing Debt While You're Still in the Tunnel

• Understanding your loan situation clearly — what you owe, what your options are, and what PSLF or income-driven repayment actually means for your specific numbers
• Setting up a bare-bones budget that keeps you afloat without the stress of feeling financially behind forever
• Deciding whether to contribute to a retirement account during residency — and why the answer isn't always obvious
• Making sure you have adequate disability coverage — your earning potential is your most valuable asset right now
• Getting organized early so you don't start your attending years already overwhelmed
  

Early Career · Years 1–8

The Income Jump — and How Not to Squander It

• Building a financial plan that actually accounts for the delayed start — because you have less time than most people your age
• Getting a student loan strategy locked in before lifestyle inflation takes over
• Maxing out the right retirement accounts in the right order for your tax situation
• Understanding your employment contract — especially deferred comp, non-competes, and benefits you might be leaving on the table
• Life insurance and disability coverage review — now that your income is real, so is your exposure
  

Mid-Career · Years 8–20

Peak Earning Years — Make Them Count

• Getting a clear picture of where you actually stand and what you're on track for
• Tax efficiency — high earners have more tools available than most people use
• Investment strategy that fits your timeline and your actual risk tolerance, not a generic one
• Planning around major life changes — growing family, home, practice ownership, or a move to a different employer
• If you own a practice or have partnership equity, making sure that piece of the picture is part of the plan
  

Pre-Retirement · Final 5–10 Years

Getting Everything in Order

• Building a detailed retirement income plan — pension, Social Security timing, investment withdrawals, and what order it all happens in
• Healthcare coverage planning for the gap between retirement and Medicare
• Practice exit or transition planning if you're winding down your own practice
• Reviewing your estate plan — beneficiary designations, trusts, powers of attorney, all of it
• Making sure the plan accounts for the fact that physicians often work longer than they intended — and that can be a good thing if you plan for it
  

Retirement

Protecting What You Built

• Coordinating income from multiple sources — Social Security, pension, portfolio withdrawals — so it actually works month to month
• Managing required minimum distributions and the tax picture that comes with a successful career
• Portfolio positioning that fits where you are now, not where you were 20 years ago
• Legacy planning — making sure your family is taken care of and your wishes are documented clearly
• Staying on course when markets get volatile or life changes unexpectedly — that's often the most valuable thing I do