Contract income optimization. 403(b) and 457(b) strategy. PSLF coordination. Student loan planning. Disability income. Fiduciary financial planning built for the healthcare worker's unique career structure.
Healthcare workers face a unique financial picture: high student debt, 403(b)/457(b) plan complexity, contract vs. W-2 income structures, and critical decisions around PSLF timing. Most advisers don't understand any of this. We do.
Public Service Loan Forgiveness strategy: qualifying employer verification, IDR plan selection, annual certification, and buyback calculations. We prevent the mistakes that cost forgiveness.
If your employer offers both, you can double your pre-tax retirement contributions. We model the optimal split, fund selection, and Roth vs. traditional allocation.
Locum tenens, agency nursing, and 1099 income require a different tax and retirement strategy. Solo 401(k) vs. SEP-IRA analysis, quarterly estimated tax, and S-corp evaluation.
Your income depends on your ability to practice your specialty. We assess your true disability coverage needs — without a commission incentive to oversell.
IDR plan selection, SAVE vs. IBR vs. ICR analysis, refinancing vs. forgiveness tradeoffs — modeled against your specific income path and employer type.
No commissions. No conflicts. We are compensated only by you — ensuring our advice is aligned entirely with your financial goals.
A fiduciary adviser who understands 403(b) plans, PSLF, student loans, and the healthcare career structure — no conflicts, no products to sell.
Confidential. Not legal advice. Informational purposes only.
Public Service Loan Forgiveness forgives remaining student loan balances after 120 qualifying payments while working full-time for a qualifying employer (typically non-profit hospitals or government). Enrollment in the right income-driven repayment plan, annual employer certification, and tracking qualifying payments are all critical steps where costly mistakes are common.
If your employer offers both, you can contribute to both — effectively doubling your pre-tax retirement savings beyond the standard 403(b) limit. The 457(b) also has no 10% early withdrawal penalty. We model the optimal contribution split based on your income, tax bracket, and retirement timeline.
Yes — own-occupation disability insurance is essential for healthcare professionals whose income depends on specific physical and cognitive abilities. Group plans from employers are frequently insufficient and may not cover your specialty. We assess your true coverage needs as a fiduciary — without a commission incentive to oversell.
1099 / contract income opens access to Solo 401(k) contributions (up to $69,000/year in 2024), SEP-IRA, and potentially S-corporation structures for tax optimization. It also changes your PSLF eligibility — you must work directly for a qualifying employer, not through a staffing agency. We model all of this for your specific situation.
This is one of the most consequential decisions a healthcare professional can make. Refinancing to a private lender eliminates PSLF eligibility permanently. The right answer depends on your loan balance, interest rates, employer type, and income trajectory. We model both paths quantitatively before making any recommendation.
Healthcare workers give everything to their patients. Your financial plan should give everything back to you. Let's build it together.
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