For Residents & Fellows
The financial decisions
that matter most
Residency is when PSLF, disability coverage, and Roth contributions carry the most weight. We help you get them right from the start.
The resident reality
Low pay, high debt, a long horizon
Residents earn modest salaries against six-figure debt, and the decisions made now compound for decades. These early choices carry more weight than most made later in a career.
Resident pay & debt: AAMC and U.S. Dept. of Education; earner-percentile and horizon framing illustrative.
What we help with
The decisions we help you get right
None require an attending salary, and each is easier or more valuable when started early.
PSLF enrollment & optimization
Certify employment, choose the right income-driven plan, and avoid the missteps that disqualify payments.
Disability insurance timing
Own-occupation coverage costs less and is easier to secure before health or specialty changes raise the price.
Roth IRA strategy
Residency's low tax bracket is the ideal time to contribute, before attending income closes the door.
Debt management framework
Federal versus private, refinance now or later, structured around your loans, rates, and PSLF eligibility.
Moonlighting income
1099 shifts change your taxes and repayment math; structured well, they accelerate saving.
Getting started
Is planning worth it during residency?
Many residents assume planning is for attendings, but the training-year decisions carry the most long-term weight, and a single misstep can cost six figures.