Residents & fellows

A plan for training.

Student loans, coverage and saving—alongside the demands of residency. Start with the decisions in front of you.

During residency

Make room for the essentials.

You do not need an attending salary to begin planning. During training, the work is to understand your loans, protect your future income, and build saving habits that fit your budget.

We help you put these choices in order, so a long list becomes a manageable next step.

A quiet hospital corridor in natural light

Your first priorities

Build the foundation.

Student loans & PSLF

Review your loan types, repayment options and employer eligibility. If you are pursuing Public Service Loan Forgiveness, understand employment certification and how qualifying payments are tracked.

Explore loan strategy

Disability coverage

Review your employer benefits and the terms of individual own-occupation coverage. Consider exclusions, benefit limits, future purchase options and how coverage may change with your specialty or employer.

Explore income protection

Roth contributions & early savings

Discuss whether Roth contributions fit your current income, tax position and cash needs. Build reserves alongside retirement savings, and review the benefits available through your training program.

Explore retirement planning

Federal or private debt

Compare rates, repayment flexibility and federal protections before considering refinancing. Keep that decision connected to your forgiveness eligibility and expected career path.

Moonlighting income

Additional shifts can change your cash flow, taxes and loan repayment calculations. Plan for the obligations of 1099 income before deciding what is available to spend or save.

Common questions.

Is planning worth it during residency?

Many of the decisions with the longest reach come up during training: loan repayment, disability coverage and early saving. Putting them in order now is usually easier than untangling them later.

When should I look at disability insurance?

Own-occupation coverage can cost less and be easier to secure before your health or specialty changes. Review your employer benefits first, then compare individual policies.

Should I contribute to a Roth during residency?

A resident’s lower tax bracket can make Roth contributions attractive. Whether it fits depends on your cash needs, loan plan and employer benefits.

Looking ahead

Before your first attending role.

A new contract changes your benefits, income and loan decisions. Review your plan before the transition, with time to compare the options.

Planning for early-career attendings

Start with your next decision.

Bring your questions about loans, benefits or saving during training.

Schedule a call