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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Net Worth, Savings Rate, and Cash Flow: What Each Number Tells a Physician Household cash flow & budgeting physician career Oct 29, 2026

You've finished training, the attending paycheck is real, and yet when you sit down to look at the whole picture, something doesn't add up. Your incom...

Signing Bonuses, Relocation Money, and Forgivable Loans: Reading the Repayment Terms Before You Sign physician career tax strategy Oct 29, 2026

The offer letter arrives and there's a number on it that wasn't there in residency: $40,000 to sign. Maybe another $15,000 for the move. It may be des...

Social Security for Physicians: How a Late Career Start Shapes Your Benefit physician career retirement planning tax strategy Oct 29, 2026

You spent your twenties in lecture halls, call rooms, and on night shifts. While college friends were building careers and paying into Social Security...

How Much Should a Physician Household Save Each Year? A Career-Stage Framework cash flow & budgeting physician career retirement planning Sep 23, 2026

"Are we saving enough?" You've asked your spouse some version of that question, probably more than once, and probably without landing on an answer eit...

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...

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...

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...

Cutting Back to 0.8 FTE: The Financial Details Physicians Should Check First cash flow & budgeting insurance physician career Sep 23, 2026

You've run this in your head more than once. You'd work four days instead of five. You'd take a Wednesday at home, or a Friday, or whatever day your g...

Benefits Open Enrollment for Physician Families: What to Actually Check Before the Deadline cash flow & budgeting insurance physician career Sep 23, 2026

The email shows up in your work inbox sometime in the fall. Open enrollment is here, the window is about three weeks, and there's a link to a portal y...

When One Spouse Earns Most of the Income: Money Conversations in a Physician Household cash flow & budgeting physician career retirement planning Sep 23, 2026

Here's a question that comes up at physician dinner tables: "How much do we actually have?" Sometimes the person asking is the spouse who doesn't hand...

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...

Parental Leave for Physician Parents: Planning the Money Before the Baby Comes cash flow & budgeting insurance physician career Sep 23, 2026

You're four or five months out, or your spouse is, and the questions surfacing at ten at night have nothing to do with the nursery. How many weeks can...

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