For Early-Career Attendings
Your income just changed everything
The jump from training to attending income happens fast. The decisions that follow shape the decades after, and we help you get them right.
The attending transition
Everyone wants your business now
A new attending makes several major financial decisions in the first year, often while being pitched by everyone who noticed the income change. Each one compounds for decades, and the right answer differs for every physician.
Attending pay: BLS OEWS (2024); PSLF swing per alooola modeling; first-year framing illustrative.
What we help with
The first five years, handled
The decisions that define the next three decades, modeled against your actual numbers, not the marketing of whoever called you last.
Refinance vs. PSLF
The highest-stakes call of your early career, modeled both ways with your actual numbers. A wrong answer can swing $50–200K.
Backdoor Roth IRA
Now above the income limit, we set up the conversion correctly and make sure you contribute every eligible year.
Practice buy-in structuring
The terms of a partnership buy-in are negotiable; we model the economics before you sign.
Lifestyle-inflation guardrails
A spending framework that lets you enjoy the income you earned without slowing the wealth you're building.
Your first real portfolio
Tax-advantaged layering and allocation calibrated to a physician's compressed earning window, not an age-based rule.
Retirement at a new bracket
Your first high-earning years are the most valuable to save; we calibrate pre-tax and Roth and show whether you're on track.
Getting started
Make the first decisions count
The first five attending years carry more weight than any that follow, and the offers coming at you rarely put your interests first. We model each decision against your actual numbers, then coordinate them into one plan.