• Model cash flow as income changes from residency and fellowship through attending practice and ownership
• Coordinate salary, bonuses, 1099 income, K-1 distributions, and other compensation within the financial plan
• Evaluate student loan repayment, refinancing, and forgiveness strategies alongside saving and investing priorities
• Evaluate lending options for major purchases or liquidity needs and coordinate with banking providers

• Coordinate 401(k), 403(b), 457(b), pension, profit-sharing, and other available retirement benefits
• Evaluate retirement contributions across employer, self-employment, and practice income
• Evaluate Roth contribution and conversion strategies as income and tax circumstances change
• Model reduced clinical schedules, partial retirement, and full retirement income needs

• Model the financial impact of joining a practice, buying into a partnership, or assuming an ownership interest
• Analyze compensation, benefits, signing incentives, and other financial terms when evaluating employment opportunities
• Coordinate practice cash management, retirement plans, and employee benefits with the physician’s personal financial plan
• Model practice sale or exit proceeds and their impact on taxes, investments, liquidity, and retirement income

• Build and manage investment portfolios around long-term goals, risk tolerance, liquidity needs, and time horizon
• Coordinate taxable and retirement accounts to improve overall tax efficiency
• Incorporate tax-loss harvesting, charitable giving, asset location, and capital gains planning where appropriate
• Integrate W-2, 1099, K-1, and practice income into tax planning in coordination with tax professionals

• Review individual and employer disability coverage, including benefit amounts, definitions of disability, and coverage gaps
• Evaluate life and long-term care insurance needs in relation to income, debt, family responsibilities, and accumulated wealth
• Coordinate employer-provided and individually owned insurance as compensation and family circumstances change
• Evaluate key person and business overhead expense coverage for physicians who own or operate a practice

• Review beneficiary designations, account ownership, and asset titling
• Coordinate investment and insurance assets with wills, trusts, and other estate planning documents
• Develop wealth transfer and charitable giving strategies around family and legacy objectives
• Work with attorneys and tax professionals when trust, estate, or asset-protection structures are appropriate

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