Wealth Planning for Physicians

Joining or leaving a medical practice can have major tax, retirement, and cash flow consequences. Without advance planning, you may miss opportunities for valuation negotiation, business structuring, or retirement plan integration. We guide you through buy-in assessments, helping evaluate whether equity ownership makes sense and how to finance it. For practice exits, we model out transition income, tax mitigation options, and estate considerations. Whether it’s a solo practice sale or a merger with a hospital network, our planning ensures your next chapter starts on solid financial ground.

Physicians carry a uniquely high risk of litigation, whether from malpractice claims or business-related exposure. Even with insurance, your personal assets can be vulnerable without proper structuring.
We design layered asset protection strategies that may include liability insurance audits, proper titling (e.g., tenancy by entirety for married couples), irrevocable trusts, and LLCs for rental or side business income. Our approach is proactive and defensive—integrating with your estate planning team to help shield personal and professional assets from future claims.

Income volatility is common in fields like emergency medicine, anesthesiology, and those who contract with multiple facilities. This makes budgeting and saving more difficult without a plan.
We help smooth out financial instability through a structured approach to income planning—creating automatic allocation systems for necessities, taxes, and investment. We can also implement cash reserve tiers that give you flexibility while protecting long-term savings. For those running a 1099 schedule, we layer in tax planning and entity structure to stabilize net earnings and reduce surprises.

Physicians often reach high earning potential quickly, but with limited time to manage their finances. Their investment plans must account for tax exposure, limited employer retirement options, and long-term career demands.

We build tax-aware, low-cost portfolios that take advantage of all available deferral strategies, including 401(k)s, Backdoor Roth IRAs, HSAs, and Defined Benefit Plans for practice owners. For specialists or surgeons with higher risk tolerance and longer income runway, we may also integrate private market exposure or structured notes. Every strategy is coordinated with your cash flow, family obligations, and liability risks.

Many physicians begin their careers with substantial student debt while also facing pressure to start investing and saving for retirement. The key is to balance debt reduction with long-term wealth accumulation.

We develop personalized cash flow strategies that prioritize high-interest loan repayment while allocating funds to tax-advantaged investment accounts. Depending on your income, loan type, and career stage, we may recommend income-driven repayment, refinancing, or Public Service Loan Forgiveness (PSLF) when appropriate. Our goal is to avoid opportunity cost—ensuring you aren’t sacrificing future compounding potential for short-term debt elimination.