Early-career attendings

New income. New decisions.

Your first attending role changes the financial picture. Build a plan for your loans, your benefits and the life you want to lead.

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A physician in a white coat with a stethoscope

The attending transition

Put the changes in context.

A new salary can arrive with a move, a new employer and a different set of benefits. It may also bring decisions about a home, a family or a practice buy-in.

We look at the commitments together, then help you decide what to do now and what can wait.

Morning coffee on a wooden table beside a window

A plan for the transition

Set your priorities.

Refinancing or forgiveness

Compare repayment paths using your loan balance, employer eligibility, income and filing status. Consider federal benefits and protections before moving loans to a private lender.

Explore loan strategy
A backdoor Roth strategy

Review eligibility, existing IRA balances and the tax treatment of a possible conversion with your tax professional. The details matter as your income changes.

Explore retirement planning
A practice buy-in

Understand the purchase terms, borrowing needs, future commitments and exit provisions. We connect the personal financial implications with the work of your attorney and accountant.

Explore practice ownership
Spending & saving

Create room to enjoy your new income while funding reserves and long-term goals. Build a spending framework around your actual commitments, including housing, family needs and debt.

Your investment portfolio

Coordinate taxable investments with workplace plans and other accounts. Choose an allocation around your goals, time horizon and ability to take risk.

Explore investment management
Retirement at a new tax bracket

Revisit pre-tax and Roth contributions, employer benefits and the amount you are saving. Use projections to understand how your choices fit a range of future retirement dates.

Common questions.

Should I refinance or pursue PSLF?
It depends on your balance, employer, income and filing status. Model both paths before moving federal loans to a private lender, because refinancing gives up federal protections and forgiveness eligibility.
Can I still contribute to a Roth IRA?
Above the income limit, a backdoor Roth may be an option. Existing pre-tax IRA balances affect how a conversion is taxed, so review it with your tax professional first.
How much of a new salary should I spend?
There is no single number. Start with your fixed commitments, reserves and savings goals, then decide what is available to enjoy.

How we work

One decision at a time.

We begin with your current commitments and the decisions approaching next. Then we model the trade-offs, agree on priorities and revisit the plan as your career develops.

Your plan should reflect your actual circumstances. Income changes alone do not determine the right loan, investment or tax strategy.

Make a plan for the next chapter.

Start with a conversation about your new role and the decisions it brings.

Schedule a call