Retirement Planning

Your full retirement
picture in one view

We bring every account and Social Security into one projection, so you can see where you stand and what it takes.

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Boats charting a single course across open water

Why it's different

A late start changes everything

Most retirement advice assumes forty years of steady contributions. A physician's first real paycheck often arrives in their thirties, after years of training income and six figures of debt.

The window is shorter and the income is higher, so the math, the account mix, and the Social Security estimate all behave differently than the generic rules of thumb expect.

By the numbers

The math behind your plan

$222K–$432K
Average attending pay
70–80%
Of income to replace in retirement
35 years
Social Security's earnings average

Attending pay: U.S. Bureau of Labor Statistics, OEWS, May 2024.

What's included

Every account, one projection

One unified projection

Your 401(k), IRA, Roth, taxable, and outside balances combine into a single year-by-year view, so you're not tracking five logins and guessing the total.

On track, or the gap to close

A clear read against the income you'll need, and if there's a shortfall, the exact monthly contribution that closes it, not a vague nudge to save more.

The right account, in the right order

Pre-tax, Roth, and taxable calibrated to your bracket and stage, Roth while you're training and low, deferral once your income jumps.

Social Security, estimated for a late start

Built from your earnings history and claim age, accounting for the low or zero years medicine leaves in the 35-year average, spouse included.

A physician checking their phone

Common questions

Retirement planning, answered

I started earning late. Is it too late to catch up?
Almost never, and the projection is how you find out. A higher income compressed into a shorter window can still get you there, the question is the contribution rate, and we show you the exact number rather than leaving you to guess.
Should I be contributing to a Roth or a traditional account?
It depends on your bracket and your stage. Roth tends to win while you're still training and taxed low; pre-tax deferral often wins once your attending income arrives. We calibrate the split to where you are, not a one-size rule.
Does the projection include Social Security and my spouse?
Yes. We estimate your benefit from your earnings history and claim age, account for the low or zero years a medical career leaves in the 35-year average, and include a spouse's benefit, working or not, in the combined picture.
Are you a fiduciary?
Yes. alooola is a registered investment advisor (SEC firm #325090). We're fee-based and obligated to act in your interest, no commissions, no product sales.