For nurses

A plan that works around your shifts.

Overtime, shift differentials, your hospital's 403(b) and 457(b), and student loans, brought into one plan. No account minimum.

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Nursing pay

Base pay, and everything on top.

Nursing income rarely arrives in one piece. Base pay, shift differentials, overtime, bonuses and, for some, travel stipends each land differently. Hospital benefits often include a 403(b), sometimes a 457(b) or a pension, each with its own rules.

We help you build the plan on what's steady, and decide where the rest goes: savings, loans or the next step in your career.

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Your priorities

Put each paycheck to work.

Overtime & variable pay

Budget on your base pay, then give overtime, differentials and bonuses a job: an emergency fund, extra loan payments or retirement savings. Variable pay can also change what you need withheld for taxes.

Your 403(b), 457(b) and pension

Review your match, your vesting schedule and the investment options in each plan. A 457(b) has its own withdrawal rules, which differ by plan type. If your hospital offers a pension, it belongs in the same picture.

Explore retirement planning
Student loans & PSLF

If you work full time for a public or nonprofit hospital, your federal Direct Loans may qualify for Public Service Loan Forgiveness. Understand employment certification and how qualifying payments are tracked before you consider refinancing.

Explore loan strategy
Travel contracts

Travel assignments can change how your pay is taxed and in which states you file. Keep your records organized and plan with your CPA before tax season.

Disability & life coverage

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

Explore income protection
Going back to school

An NP, CRNA or other advanced degree can change both your income and your debt. Compare the cost, the time away from full-time pay and the loans before you enroll.

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
Should I use both a 403(b) and a 457(b)?
If your hospital offers both, each has its own contribution limit, so using both can raise how much you save each year. Whether it fits depends on your budget, your match and the 457(b)'s rules. Should I use my hospital's 457(b)?
Do nurses 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'm thinking about NP or CRNA school. When should we talk?
Before you enroll. The cost of the program, the loans you take on and the income you give up while you study are easier to plan with time to compare.

Start with your next decision.

Bring your questions about overtime, your hospital's plans or your loans.

Talk to an advisor