Flowcharts

Decisions, Drawn.

The physician financial life is a series of branching decisions where the wrong fork costs six figures. We draw them out. Each flowchart comes in two versions: Essentials for the most common cases, Ultimate for the full picture.

Asset Allocation

Attending

Attending Account Funding Waterfall

Where every dollar of attending pay should go, in order, to maximize tax-advantaged compounding before any taxable account.

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Fellow · Resident · Med Student

Resident Account Funding Waterfall

Where every spare dollar should go on a resident salary, including which retirement accounts to fund before loans and which to skip until attending.

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Insurance

Attending · Fellow · Resident

Disability Insurance Decision Tree

How much own-occupation coverage to buy, from which carrier, with which riders, depending on your specialty and stage.

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Attending · Fellow · Resident

Life Insurance Decision Tree

Whether you need life insurance, how much to buy, and which of five product types actually fits a physician.

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Student Loans & Debt

Attending · Fellow · Resident · Med Student

Student Loan Repayment Strategy

Whether to pursue PSLF, refinance, or stay on an income-driven plan, with the post-OBBBA forgiveness math built in.

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Institutional-quality financial research for physicians, with a clear action in every issue.

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Strategy Session

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