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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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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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Changing Jobs Without Losing PSLF Progress: A Guide for Physicians physician career practice management student loans Aug 18, 2026

You are four years into a hospitalist job at a nonprofit medical center. Forty-eight certified payments are sitting in your Federal Student Aid accoun...

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How Much Cash Should a Physician Family Keep? Emergency Funds and Where to Hold Them cash flow & budgeting insurance physician career Aug 18, 2026

You out-earn almost everyone you went to high school with. But you can still feel a small jolt in your chest when a $4,000 bill lands with no warning....

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Malpractice Tail Coverage: What Physicians Should Know Before Changing Jobs cash flow & budgeting insurance physician career Aug 18, 2026

You accepted the new position. The offer looked good, the commute is shorter, and the group seems like people you would want to work beside. Then some...

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Own-Occupation Disability Insurance: The Narrow Window Before Training Ends insurance physician career residency & fellowship Aug 18, 2026

You are in the last year of training. The signing bonus conversation is finally happening, the credentialing paperwork is stacking up, and somewhere i...

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Quarterly Estimated Taxes for Physicians With 1099 Income: A Safe-Harbor Guide cash flow & budgeting physician career tax strategy Aug 18, 2026

The Paycheck That Arrives Whole

The first locum shift payment, or the first medical-director stipend, or the first expert-witness fee, tends to land ...

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Reading the Money Parts of Your First Attending Contract: Salary, RVUs, Bonuses, and Benefits cash flow & budgeting physician career residency & fellowship Aug 18, 2026

You spent more than a decade learning medicine and roughly zero hours learning employment law. Then a PDF lands in your inbox with your name on it, tw...

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The New Roth Catch-Up Rule: What High-Earning Physicians Over 50 Should Know for 2026 physician career retirement planning tax strategy Aug 18, 2026

You are 54, you have been an attending for two decades, and for years the catch-up contribution was one of the few tax decisions that took no thought ...

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Roth or Traditional 401(k)? How Attending Physicians Can Think Through the Choice physician career retirement planning tax strategy Aug 18, 2026

The Checkbox in Your Benefits Portal

Somewhere in your employer's benefits portal there is a small radio button. Pre-tax. Roth. Sometimes a slider th...

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Why Physicians Hear the Whole Life Insurance Pitch So Often (and How to Evaluate It) cash flow & budgeting insurance physician career Aug 18, 2026

The pitch usually arrives in one of a few ways. A colleague in your group mentions the person who handled their insurance and offers to make an introd...

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Solo 401(k) vs. SEP-IRA for Physicians With 1099 Side Income physician career retirement planning tax strategy Jul 15, 2026

You take a W-2 job for the bulk of your income, and then you pick up locum shifts, read studies on the side, sit on an advisory board, or moonlight a ...

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Relocating for a New Attending Job? The State Tax Questions to Ask Before You Sign college savings physician career tax strategy Jul 15, 2026

You matched, you trained, and now a contract is sitting in your inbox with a number on it that finally reflects all those years. The base salary looks...

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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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