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Physician Family Financial Advisors Blog

As a physician mom or dad, you put everything into your practice and your kids — so you want to do the right thing with the money you earn. This blog explores the topics that matter most to physician families: investing for retirement, saving for college, and raising financially responsible children.

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The Fellowship Year: Planning Your Money Around One More Year of Training Pay cash flow & budgeting residency & fellowship student loans Oct 29, 2026

You matched into fellowship. It's the career you wanted, and the training you're happy to receive. It also means the attending paycheck you've been pi...

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A Fourth-Quarter Tax Checklist for Physician Households: What Still Counts Before December 31 cash flow & budgeting retirement planning tax strategy Oct 29, 2026

It's early October. Open enrollment emails are stacking up, the holidays are already on the call schedule, and somewhere in the back of your mind is a...

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When Grandparents Want to Help With College: Coordinating Gifts, 529s, and Financial Aid cash flow & budgeting college savings tax strategy Oct 29, 2026

It usually comes up casually. Maybe it's over a holiday dinner, or on a phone call after your oldest's eighth-grade graduation. Your parents (or your ...

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Inheriting an IRA From a Parent: The 10-Year Rule and a Physician's Tax Bracket retirement planning tax strategy Oct 29, 2026

The phone call comes, and then the paperwork does. Somewhere in the weeks after a parent dies, a letter arrives from a custodian you've never dealt wi...

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IRMAA: How Retirement Income Can Raise a Physician's Medicare Premiums retirement planning tax strategy Oct 29, 2026

It's a few weeks after your 65th birthday. You've hung up the white coat, your Medicare card has arrived, and then you learn your Medicare Part B prem...

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Long-Term Care Planning for Physician Families: Traditional Policies, Hybrid Policies, and Self-Funding insurance retirement planning Oct 29, 2026

You've probably watched it happen from the clinical side. A patient is medically ready for discharge but can't safely bathe or dress alone, and the fa...

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Net Worth, Savings Rate, and Cash Flow: What Each Number Tells a Physician Household cash flow & budgeting physician career Oct 29, 2026

You've finished training, the attending paycheck is real, and yet when you sit down to look at the whole picture, something doesn't add up. Your incom...

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Not Going for PSLF? How Physicians Weigh Paying Off Student Loans Fast Against Investing cash flow & budgeting investing student loans Oct 29, 2026

You've done the math on Public Service Loan Forgiveness, and it doesn't fit your career. Maybe you're in private practice. Maybe your group is a for-p...

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The Repayment Assistance Plan (RAP) and the 2026 Federal Student Loan Changes: What Residents and Physicians Should Know residency & fellowship student loans Oct 29, 2026

You're three months into a new academic year, you've finally learned where every elevator in the hospital goes, and your loan servicer has started sen...

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Retiring Before 65: How Physicians Bridge Health Coverage Until Medicare insurance retirement planning Oct 29, 2026

You've run the numbers, and they say you could stop working at 60. Maybe 58. Then a second thought shows up, usually late at night: "What do we do abo...

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A Roth IRA for Your Teenager: How the Earned Income Rules Work for Physician Families cash flow & budgeting college savings investing Oct 29, 2026

Your teenager just brought home a first paycheck from a summer job. Maybe it's from the pool where they lifeguard, the ice-cream shop down the street,...

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Signing Bonuses, Relocation Money, and Forgivable Loans: Reading the Repayment Terms Before You Sign physician career tax strategy Oct 29, 2026

The offer letter arrives and there's a number on it that wasn't there in residency: $40,000 to sign. Maybe another $15,000 for the move. It may be des...

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Physician Family Financial Advisors

Physician Family Financial Advisors Inc.
9450 SW Gemini Dr PMB 52736
Beaverton OR 97008-7105
contact@physicianfamily.com
(541) 463-0899

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