Physicians Invest

Research

Research

Original analysis on the financial questions physicians actually face. New issue every week.

Get new issues in your inbox. One per week.

Topic
Sort

2026

MAY 18

Should Physicians Own Real Estate?

Nine real estate exposure paths for physicians — public REITs, syndications, direct rentals, STRs — with the tax math, return ranges, and career-stage playbook.

MAY 8

May Portfolio Update: No Changes, Strong Stock Recovery

All three model portfolios are now in the green after the April rebound. Sturdy+ leads at +11.5%, Simple at +8.5%, Sturdy at +8.2% YTD.

APR 30

Should Physicians Own Oil & Gas?

The energy sector is 4% of the S&P 500 today, down from over 13% in the early 1990s. Most physicians only own index funds — they're systemically under-exposed to energy.

APR 27

The 10 Contract Rules Worth More Than Your Salary

78% of physicians sign their employment contract without an attorney review. The average $480-$1,500 review uncovers $20K-$50K in unaddressed compensation. Bring 10 rules to your next negotiation.

APR 20

Stop Using Your HYSA. Do This With Your Cash Instead.

SGOV pays about 0.17% more than a reputable HYSA pre-tax, and up to 0.55% more after tax in high-tax states. On $100,000 of cash, that's $170 to $552 a year.

APR 13

Introducing Our Model Portfolios: Simple, Sturdy, and Sturdy+

Three model portfolios for physicians at every career stage: Simple (3-fund), Sturdy (all-weather), and Sturdy+ (150% leveraged via stacked ETFs).

APR 6

The Q1 Report Card: Why Your Portfolio Felt Worse Than It Should Have

The S&P 500 fell 4.4% in Q1 while bonds sat flat. The 60/40 portfolio failed to hedge.

MAR 30

Every Physician With Kids Should Open a Trump Account. Here's the Catch.

Trump Accounts are new tax-advantaged savings accounts for children. Without a Roth conversion at 18, withdrawals get taxed as ordinary income. With it, the account becomes tax-free for life.

MAR 19

Your Own-Occ Disability Insurance Is Priced to Win. Buy It Anyway.

Your employer's group LTD probably replaces only 24% of your income after taxes. That's a problem.

MAR 12

7 Financial Headwinds Only Physicians Face

Physicians simultaneously face seven structural financial disadvantages no other high-earning profession faces all at once. The compounding cost: $3.2M in wealth that was never created.

MAR 2

The Siren Song of Private Credit in Your 401(k)

Private credit is a $3 trillion asset class about to enter 401(k) and 403(b) plan menus. The pitch leaves out a lot.

FEB 25

The W-2 Tax Playbook: Every Break You're Leaving on the Table

57.5% of physicians are W-2 employees. The tax playbook for you is different than what most content covers.

FEB 24

Your Financial Advisor's Credentials Are Probably Meaningless

Only three financial credentials matter: CFA, CFP, and CPA. Everything else is noise.

FEB 21

Your 2.9% Raise Didn't Beat Inflation. Now Medicare Cut Your Reimbursement Too.

Physician pay rose between 2.9% and 3.7% in 2024, depending on who you ask. Inflation ran higher either way. Your purchasing power dropped again.

FEB 20

The Student Loan Earthquake Nobody's Talking About

SAVE is dead. Grad PLUS loans disappear July 1. A new plan (RAP) launches with no payment cap. All at once.

Join physicians who think differently about money.

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

Ready to talk through your situation?

Book a Consultation

Intro Call

15 min — Free

Strategy Session

1 hour — $250