Home/Nurses & EMTs

Financial Planning for
Nurses & EMTs

You pull overtime that most people can't imagine. The question is whether that income is building something — or just disappearing.

The Real Problem

Your 403(b) Is Probably
Working Against You

Most hospital retirement plans default you into insurance-based products with expense ratios between 1–2%. On a $500,000 account over 30 years, that's a $180,000 difference compared to a basic index fund — and HR will never bring it up.

We review your plan's investment options, identify low-cost alternatives already inside your plan, and show you the exact dollar cost of staying where you are.

For travel nurses on 1099 contracts, we also set up SEP-IRAs or Solo 401(k)s that can shelter up to $66,000 per year — on top of any W-2 retirement contributions.

Nurse & EMT Planning

  • 403(b) expense ratio audit — find the low-cost funds already in your plan
  • Overtime income planning — turning irregular cash flow into long-term wealth
  • PSLF coordination for nurses at nonprofit hospitals
  • Solo 401(k) / SEP-IRA setup for 1099 travel nurses (up to $66K/year)
  • Two-bucket system: stable base + growth bucket for irregular income

Free Resource

Nurse & EMT Wealth Guide

The 403(b) fee problem, overtime income strategy, and PSLF eligibility — all in one short guide.

🎧 Listen to the Podcast Overview
📄 Download the PDF Guide

No email required. Free.

What We Cover:

  • How to find the low-cost index funds already inside your 403(b)
  • The $180,000 fee math on a $500K account over 30 years
  • PSLF eligibility check for nonprofit hospital nurses
  • Making your overtime income actually build wealth

Free Tool

See What Your 403(b)
Fees Are Actually Costing You

Plug in your balance and expense ratio. The calculator shows the exact dollar difference over your career. Takes 30 seconds. No email required.

Open the Free Calculator

Ready to Begin?

15 Minutes. No Pitch.
Just Honest Answers.

Book a free 15-minute call. We'll look at your 403(b), talk through your loan situation if you have one, and answer whatever's on your mind.

Book a Free Call