Physician Family Financial Advisors Blog

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...

Your Mix Drifts Even When You Never Touch It

You picked a mix once. Maybe it was the year you finished training and finally had real money going into...

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 ...

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...

What a Spousal IRA Actually Is

One of you leaves before the kids are up. The other one packs the lunches, moves the pediatrician appointment, chases ...

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 ...

You opened the 529 when your oldest was in diapers, back when residency felt like it would last forever. Now there is a college diploma on the wall, a...

You have heard the term mega backdoor Roth. Maybe a colleague mentioned it in the doctors' lounge, maybe a podcast brought it up between cases. The id...

Your hospital benefits packet lands on your desk, and somewhere past the 401(k) and the 403(b) you spot a line for a 457(b) plan. The pitch is appeali...

Your first attending paycheck lands and the math finally changes. After years of resident pay, you are earning real money, and the question shifts fro...

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...

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...