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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S-Corp vs. Sole Proprietor for Locum Physicians: The Tax and Retirement Trade-offs physician career practice management retirement planning tax strategy May 12, 2026

If you're a locum physician, 1099 moonlighter, or independent contractor picking up shifts between W-2 jobs, at some point a friend, a CPA, or a podca...

$Disability Insurance Math for Dual-Physician Households: How Much Coverage Is Enough$

Disability Insurance Math for Dual-Physician Households: How Much Coverage Is Enough financial planning fundamentals insurance physician career May 12, 2026

When both spouses are physicians, the math on disability insurance changes in ways that surprise a lot of couples. The common advice you hear at resid...

The Attending Transition Checklist: 12 Financial Moves for Your First Year Out of Training cash flow & budgeting physician career retirement planning May 12, 2026

Welcome to the other side. After years of 80-hour weeks, overnight calls, and a paycheck that barely covered rent, your first attending contract is si...

PSLF vs. Refinancing: A Decision Framework for Hospital-Employed Physicians cash flow & budgeting physician career student loans May 11, 2026

If you finished residency carrying a large federal student loan balance, you already know the question that keeps coming up at every happy hour, in ev...

W-2 Plus 1099 Hybrid: A Financial Planning Playbook for Moonlighting Attendings physician career retirement planning tax strategy May 11, 2026

You took the hospital job for the stable paycheck, the benefits, and maybe a predictable call schedule. Then a friend mentioned a weekend locum gig th...