For NPs and PAs

A plan built around how you practice.

Graduate loans, your first offer, per diem shifts and your workplace plans, brought into one plan. No account minimum.

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Advanced practice

A new license, and new decisions.

Finishing an NP or PA program often means a new salary and graduate loans arriving at the same time. Offers differ: salary or productivity pay, a CME allowance, malpractice coverage with or without tail. Many add per diem or locums shifts on top.

We help you weigh the offer, plan the loans and decide what the new income should do first.

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Your priorities

Make the new income count.

Graduate loans & PSLF

If you work full time for a public or nonprofit employer, your federal Direct Loans may qualify for Public Service Loan Forgiveness. Compare forgiveness, income-driven repayment and refinancing before you choose one.

Explore loan strategy
Your first offer

Look past the base salary: productivity pay, CME time and money, the retirement plan match and who pays for tail malpractice coverage. Your attorney reads the contract terms.

Your workplace retirement plans

Review the match, the vesting schedule and the investment options in your 401(k), 403(b) or 457(b), and decide which to fund first.

Explore retirement planning
Per diem & 1099 work

Income from a 1099 contract has no tax withheld, so you may need estimated payments. It can also let you open a retirement plan of your own. Plan both with your CPA.

Disability & life coverage

Review what your employer's disability coverage pays and how it defines disability, and whether individual coverage fills the gaps.

Explore income protection
Investing beyond the plan

Once loans and emergency savings have a plan, decide where the rest goes: a Roth IRA, a taxable account or a goal of your own.

Explore investment management

Common questions.

Is there a minimum to work with you?
No. There's no account minimum. Your introductory call is free, and fees begin only after you decide to move forward. See pricing
Can you look at my offer before I sign?
Yes. We look at how the pay, benefits and retirement plan fit your loans and goals, and how it compares with other offers you have. Contract language belongs with your attorney.
Do NPs and PAs qualify for PSLF?
PSLF depends on your employer and your loans, not your job title. Full-time work for a government employer or a 501(c)(3) nonprofit, with federal Direct Loans on a qualifying repayment plan, can count toward forgiveness.
I pick up per diem or locums shifts. What changes?
Mostly taxes and retirement savings. A 1099 contract has no tax withheld, and self-employment income can open retirement plans such as a solo 401(k) or SEP IRA. We plan it with you and your CPA.

Bring the offer you're weighing.

Or the loans, the shifts or the plan that needs a second look.

Talk to an advisor