Our Approach
Research that informs every recommendation
We study the intersection of medical careers and financial outcomes at a depth few advisors do. That understanding powers the advice you receive.
What we study
The data behind a physician's financial life
We cross-reference public federal sources to understand how specialty, stage, geography, and debt structure interact to shape your outcomes. Not speed for its own sake, depth that makes the advice more precise.
Physician compensation across 26 specialties
How income actually develops by specialty, the late start, the steep climb, the differing ceilings. A dermatologist, a hospitalist, and a surgical subspecialist are not interchangeable earners, and the plan shouldn't treat them as if they were.
Source: U.S. Bureau of Labor Statistics, Occupational Employment & Wage Statistics (OEWS), May 2024, national, state, and metro wage estimates by physician occupation (SOC 29-12xx).
Medical education & training statistics
Training timelines, residency and fellowship lengths, and the financial weight of the years before attending income. A three-year family medicine residency builds a very different profile than a seven-year surgical track followed by a fellowship.
Source: Accreditation Council for Graduate Medical Education (ACGME) program requirements; National Resident Matching Program (NRMP); AAMC.
Student-loan and debt data
How federal balances, repayment paths, and PSLF eligibility differ across programs and career stages. We model your debt strategy against real patterns rather than assumptions.
Source: U.S. Department of Education, Federal Student Aid; AAMC Medical School Graduation Questionnaire.
Practice & geography patterns
How specialty, career stage, and geography interact, so a plan written in one state for one stage isn't quietly miscalibrated for yours.
Source: Centers for Medicare & Medicaid Services (CMS) Medicare Physician & Other Practitioners, 2023; National Plan & Provider Enumeration System (NPPES); U.S. Census Bureau, American Community Survey.
- Compensation, U.S. Bureau of Labor Statistics, Occupational Employment & Wage Statistics (OEWS), May 2024 (bls.gov/oes).
- Billing & practice patterns, Centers for Medicare & Medicaid Services (CMS): Medicare Physician & Other Practitioners (2023) and Open Payments.
- Provider counts & geography, National Plan & Provider Enumeration System (NPPES / NPI Registry).
- Training pipeline, ACGME program requirements; National Resident Matching Program (NRMP); AAMC.
- Education debt, U.S. Department of Education, Federal Student Aid; AAMC Medical School Graduation Questionnaire.
- Demographics, U.S. Census Bureau, American Community Survey.
We work only with public, aggregate data, never patient information, and pair it with the judgment of advisors who work with physicians every day. “The 26 specialties we track” reflects alooola's own research coverage of these sources.
What this means for you
Research only matters if it changes the advice
Studying physician finances is academic unless it reaches your plan. Here is exactly where it shows up.
A portfolio matched to your specialty
Your asset allocation is calibrated to your specialty's income trajectory, not a generic age-based rule. The shape of your earning curve, not just your birthday, sets the risk profile.
A debt strategy modeled to your loans
PSLF versus refinance isn't a coin flip. We model both against your actual loan types, income path, and eligibility, and show you the real dollar difference.
A tax plan built for your income mix
W-2 hospital salary, 1099 moonlighting, K-1 practice partnership, most physicians carry several income types by mid-career. Your plan accounts for the mix common at your stage instead of ignoring it.
Security & privacy
Your information, carefully held
The advice depends on understanding your full picture. Protecting it is part of the work, not an afterthought.
Encrypted, end to end
Your financial data is protected with bank-level encryption at rest and in transit.
Held to a fiduciary standard
As a registered investment advisor, we are legally obligated to act in your interest, and that obligation extends to how we handle your data.
Used only for your plan
Your information is used to sharpen the advice you receive. It is never sold or shared with third parties for marketing.
See what the research changes for you
Bring your specialty, your loans, your income mix. We'll show you exactly how the research shapes the plan we'd build for you.