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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A Fourth-Quarter Tax Checklist for Physician Households: What Still Counts Before December 31 cash flow & budgeting retirement planning tax strategy Oct 29, 2026

It's early October. Open enrollment emails are stacking up, the holidays are already on the call schedule, and somewhere in the back of your mind is a...

When Grandparents Want to Help With College: Coordinating Gifts, 529s, and Financial Aid cash flow & budgeting college savings tax strategy Oct 29, 2026

It usually comes up casually. Maybe it's over a holiday dinner, or on a phone call after your oldest's eighth-grade graduation. Your parents (or your ...

Inheriting an IRA From a Parent: The 10-Year Rule and a Physician's Tax Bracket retirement planning tax strategy Oct 29, 2026

The phone call comes, and then the paperwork does. Somewhere in the weeks after a parent dies, a letter arrives from a custodian you've never dealt wi...

IRMAA: How Retirement Income Can Raise a Physician's Medicare Premiums retirement planning tax strategy Oct 29, 2026

It's a few weeks after your 65th birthday. You've hung up the white coat, your Medicare card has arrived, and then you learn your Medicare Part B prem...

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...

UTMA vs. 529: Ownership, the Kiddie Tax, and Financial Aid for Physician Parents college savings tax strategy Oct 29, 2026

A grandparent mails a check for your daughter's birthday with a note that says "for her future." A relative asks which account to send money to. Or yo...

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...

The Five Years Before You Stop Working: A Pre-Retirement Checklist for Physicians insurance retirement planning tax strategy Sep 23, 2026

You're somewhere between 55 and 65. You've been an attending for a couple of decades, and the question in your head has changed shape. It used to be "...

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...

Dependent Care FSAs and the Child Tax Credit: What Survives a Physician Income cash flow & budgeting tax strategy Sep 23, 2026

You already know what the number is. Two kids in full-time center care, or one infant plus an after-school program, and the monthly childcare bill sit...

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