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Physician Family Financial Advisors Blog

As a physician mom or dad, you put everything into your practice and your kids — so you want to do the right thing with the money you earn. This blog explores the topics that matter most to physician families: investing for retirement, saving for college, and raising financially responsible children.

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Group Disability Through the Hospital vs. an Individual Policy: What Each One Actually Covers insurance physician career tax strategy Sep 23, 2026

Somewhere in the benefits packet you signed when you took your attending job, there was a line about long-term disability (LTD) coverage. The hospital...

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The Five Years Before You Stop Working: A Pre-Retirement Checklist for Physicians insurance retirement planning tax strategy Sep 23, 2026

You're somewhere between 55 and 65. You've been an attending for a couple of decades, and the question in your head has changed shape. It used to be "...

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Employer Student Loan Repayment Assistance: How It Works and How It Interacts With PSLF physician career student loans tax strategy Sep 23, 2026

The recruiter mentions it near the end of the call, almost as an aside. "We also do loan repayment assistance." If you're finishing training with a ba...

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From Employed Physician to Practice Partner: What Changes on the Money Side physician career practice management tax strategy Sep 23, 2026

You took the hospital job out of training partly because it was simple. Payroll ran itself. The health plan, the malpractice policy, the retirement ma...

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Dependent Care FSAs and the Child Tax Credit: What Survives a Physician Income cash flow & budgeting tax strategy Sep 23, 2026

You already know what the number is. Two kids in full-time center care, or one infant plus an after-school program, and the monthly childcare bill sit...

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Using a 529 for Private K-12 Tuition: What Physician Parents Should Know cash flow & budgeting college savings tax strategy Sep 23, 2026

The private school tuition bill arrives on a schedule that has nothing to do with your call schedule. If your kids are in private school, you already ...

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The Orphaned 401(k): Retirement Accounts Physicians Leave at Past Jobs physician career retirement planning tax strategy Sep 23, 2026

You've got a login somewhere for the 403(b) from residency. There's a 401(k) at the hospital where you did fellowship. There's probably a third accoun...

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Rental Property as an Investment for Physician Households: The Trade-Offs to Weigh First investing real estate tax strategy Sep 23, 2026

You've heard the pitch. It came from the attending in the lounge who talks about "doors," from a conference booth, or from an ad on your drive home. "...

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The Sandwich Years: Supporting Aging Parents While Raising Kids on a Physician Income cash flow & budgeting retirement planning tax strategy Sep 23, 2026

The call doesn't come with a warning. Your mom mentions she's been having trouble with the stairs. A neighbor says your dad doesn't seem to be opening...

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Why Your Bonus Got Taxed So Hard: Supplemental Wage Withholding for Physicians cash flow & budgeting physician career tax strategy Sep 23, 2026

Your signing bonus landed. Or maybe it was the quality bonus, or the year-end productivity payout you've watched accrue since spring. You opened the p...

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403(b) vs. 401(k): What Hospital-Employed Physicians Should Know About Their Retirement Plan physician career retirement planning tax strategy Aug 18, 2026

You started at the hospital, sat through forty minutes of benefits onboarding, checked a box next to a contribution percentage, and moved on to creden...

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Married Filing Separately for Physician Couples: When Student Loans Change the Filing Math cash flow & budgeting student loans tax strategy Aug 18, 2026

The Question That Shows Up Every March

You and your spouse have filed jointly since the year you got married. Nobody questioned it. Then one of you l...

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Physician Family Financial Advisors

Physician Family Financial Advisors Inc.
9450 SW Gemini Dr PMB 52736
Beaverton OR 97008-7105
contact@physicianfamily.com
(541) 463-0899

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