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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When Should a Physician Open a Taxable Brokerage Account? A Practical Framework for After the Tax-Advantaged Stack Is Full financial planning fundamentals investing retirement planning tax strategy May 12, 2026

Almost every physician household eventually hits the same moment. The 401(k) is set on autopilot, the backdoor Roth is happening every January, the HS...

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...

The Backdoor Roth IRA: The Pro-Rata Rule and Other Pitfalls Physicians Keep Missing investing retirement planning tax strategy May 12, 2026

The backdoor Roth IRA is one of those strategies that sounds tidy on a podcast and feels surprisingly stressful in real life. The mechanics are simple...

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...

Roth Conversions and the TCJA "Sunset" That Didn't Happen: A 2026 Planning Update for Physicians investing retirement planning tax strategy May 12, 2026

If you're a physician who spent late 2024 and early 2025 hearing that you needed to rush Roth conversions before the 2026 TCJA sunset, you probably ap...

How Physicians Can Use an HSA as a Stealth Retirement Account investing retirement planning tax strategy May 11, 2026

If you're a physician enrolled in a high-deductible health plan, there's a quiet account sitting inside your benefits portal that most of your colleag...

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...

The Mega Backdoor Roth: How Physicians Can Tell If Their 401(k) Actually Allows It practice management retirement planning tax strategy May 11, 2026

If you are an attending physician, there is a good chance someone has told you about the mega backdoor Roth. Maybe it was a colleague in the doctors' ...