Editorial
Insights from the Vantage MD Wealth desk
Practical financial planning perspectives for physicians and residents — from residency loan strategy through attending contracts to practice ownership. Written for clinicians, not generic households.
Articles
Recent articles
Each article connects to at least one tool or framework you can apply directly.
- Student Loan Repayment Strategy During Residency: IDR, PSLF, and Refinancing Tradeoffs
Residents earn too little to pay loans aggressively and too much to ignore strategy. Here is how income-driven repayment, PSLF, and refinancing interact during training.
- Own-Occupation Disability Insurance for Physicians, Explained
A physician's earning power depends on a narrow set of physical and cognitive skills. Own-occupation disability coverage protects that in a way group policies usually do not.
- Attending Contract Negotiation: The Financial Basics Beyond Base Salary
Base salary is the number everyone compares, but RVU thresholds, signing bonuses, and restrictive covenants often matter more to your real financial outcome.
- Stacking 403(b), 401(a), and Backdoor Roth for Hospital-Employed Physicians
Hospital-employed physicians often have access to more tax-advantaged savings vehicles than they realize. Here is how the pieces fit together.
- Locum Tenens Tax and Retirement Planning
Locum work trades employment stability for 1099 flexibility — and a fundamentally different set of tax and retirement planning tools.
- Private Practice vs. Employed Physician Compensation: A Real Comparison
Ownership upside versus employment stability is not just a lifestyle choice — it is a financial structure choice with very different risk and reward profiles.
- Planning for the Cost of Malpractice Tail Coverage
Leaving a job with claims-made malpractice insurance can trigger a tail coverage bill running into the tens of thousands of dollars. Plan for it before you need to.
- Physician Mortgage Loan Programs Explained
Physician loans let new attendings buy a home with little or no down payment despite high student debt. The tradeoffs are real and worth understanding first.
- Timing Major Purchases Around the Residency-to-Attending Income Jump
The jump from resident to attending salary is one of the largest single-year income increases in any profession. Sequencing decisions matters more than the decisions themselves.
- Retirement Plan Options for Private-Practice and Partnership Physicians
Physician-owners have access to retirement plan structures that hospital employees do not — and the right choice depends heavily on practice size and partner age mix.
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