https://annexiswealth.com/learning-center/ Spending-first wealth advice for physicians and dentists en-us 1440 Sat, 10 Oct 2026 09:00:00 +0000 https://annexiswealth.com/learning-center/backdoor-roth-ira-for-physicians/https://annexiswealth.com/learning-center/backdoor-roth-ira-for-physicians/Wed, 07 Oct 2026 09:00:00 +0000A $60,000 rollover IRA makes $6,667 of a $7,500 conversion taxable. Annex Wealth Management shows the backdoor Roth IRA for physicians step by step. https://annexiswealth.com/learning-center/how-much-should-doctors-save/https://annexiswealth.com/learning-center/how-much-should-doctors-save/Tue, 06 Oct 2026 09:00:00 +0000For doctors starting late, see how much doctors should save, with monthly math, a $2.7 million target and Annex Wealth Management's cash-flow method. https://annexiswealth.com/learning-center/pay-off-student-loans-or-invest/https://annexiswealth.com/learning-center/pay-off-student-loans-or-invest/Mon, 05 Oct 2026 09:00:00 +0000A dentist with $250,000 in private loans and $4,000 spare each month can compare pay off student loans or invest with Annex Wealth Management. https://annexiswealth.com/learning-center/pslf-for-physicians/https://annexiswealth.com/learning-center/pslf-for-physicians/Sun, 04 Oct 2026 09:00:00 +0000An employed anesthesiologist with four PSLF years left can compare staying, refinancing and payoff; Annex Wealth Management shows the $31,200 hours mistake. https://annexiswealth.com/learning-center/own-occupation-disability-insurance-doctors/https://annexiswealth.com/learning-center/own-occupation-disability-insurance-doctors/Fri, 02 Oct 2026 09:00:00 +0000A hospital plan may change after 24 months. Annex Wealth Management explains own-occupation disability insurance, benefit gaps and cash-flow sizing. https://annexiswealth.com/learning-center/physician-mortgage-loan-worth-it/https://annexiswealth.com/learning-center/physician-mortgage-loan-worth-it/Thu, 01 Oct 2026 09:00:00 +0000A physician mortgage loan is worth it only if retirement deferrals stay put; Annex Wealth Management shows Reena's $5,126 payment and cash left. https://annexiswealth.com/learning-center/dental-practice-buy-in-cash-flow/https://annexiswealth.com/learning-center/dental-practice-buy-in-cash-flow/Wed, 30 Sep 2026 09:00:00 +0000A $1,400 monthly gap can change a dental practice buy-in. Annex Wealth Management shows the three-year cash flow test. https://annexiswealth.com/learning-center/403b-vs-457b-for-physicians/https://annexiswealth.com/learning-center/403b-vs-457b-for-physicians/Tue, 29 Sep 2026 09:00:00 +0000Annex Wealth Management explains 403(b) vs. 457(b) for physicians: why a 403(b) often comes first, the $24,500 rule, creditor risk and heir payouts. https://annexiswealth.com/learning-center/financial-advisor-red-flags-doctors/https://annexiswealth.com/learning-center/financial-advisor-red-flags-doctors/Mon, 28 Sep 2026 09:00:00 +0000A doctor facing a cold call can use financial advisor red flags for doctors to check costs, conflicts and taxes with Annex Wealth Management. https://annexiswealth.com/learning-center/whole-life-insurance-for-doctors/https://annexiswealth.com/learning-center/whole-life-insurance-for-doctors/Sun, 27 Sep 2026 09:00:00 +0000Whole life often costs more to exit early; Annex Wealth Management compares doctor coverage with term insurance, 457(b) saving and year-three surrender value. https://annexiswealth.com/learning-center/catch-up-contributions-after-50/https://annexiswealth.com/learning-center/catch-up-contributions-after-50/Thu, 24 Sep 2026 09:00:00 +0000A Roth catch-up may add $3,200 of tax at 40%. Annex Wealth Management explains catch-up contributions after 50 and the 2026 rules. https://annexiswealth.com/learning-center/mega-backdoor-roth-for-doctors/https://annexiswealth.com/learning-center/mega-backdoor-roth-for-doctors/Sun, 20 Sep 2026 09:00:00 +0000A plan must allow after-tax deposits and Roth conversion. Annex Wealth Management explains a mega backdoor Roth for doctors, with $33,500 of sample room. https://annexiswealth.com/learning-center/budget-for-new-attending-physician/https://annexiswealth.com/learning-center/budget-for-new-attending-physician/Sat, 19 Sep 2026 09:00:00 +0000Annex Wealth Management shows a budget for a new attending physician: cap a $25,000 paycheck before lifestyle creep. Loan-to-savings split, 5-year math. https://annexiswealth.com/learning-center/physician-net-worth-by-age/https://annexiswealth.com/learning-center/physician-net-worth-by-age/Thu, 17 Sep 2026 09:00:00 +0000A 45-year-old doctor comparing online averages can use physician net worth by age to check months covered; Annex Wealth Management shows the math. https://annexiswealth.com/learning-center/asset-protection-for-physicians/https://annexiswealth.com/learning-center/asset-protection-for-physicians/Tue, 15 Sep 2026 09:00:00 +0000A covered 401(k) has no federal dollar cap on creditor protection. Annex Wealth Management explains asset protection for physicians and state-law limits. https://annexiswealth.com/learning-center/taxes-on-selling-dental-practice/https://annexiswealth.com/learning-center/taxes-on-selling-dental-practice/Sun, 13 Sep 2026 09:00:00 +0000Goodwill and written-off equipment face different tax treatment; Annex Wealth Management shows how a $1,000,000 dental practice sale can change proceeds. https://annexiswealth.com/learning-center/how-much-house-can-doctor-afford/https://annexiswealth.com/learning-center/how-much-house-can-doctor-afford/Sat, 12 Sep 2026 09:00:00 +0000Two physicians weighing a lender's approval letter can use this cash-flow test; Annex Wealth Management shows how much house a doctor can afford. https://annexiswealth.com/learning-center/529-plan-or-taxable-account/https://annexiswealth.com/learning-center/529-plan-or-taxable-account/Thu, 10 Sep 2026 09:00:00 +0000Two physicians weighing a home purchase can use this 30% cash-flow screen; Annex Wealth Management compares payments, savings, and variable locums income. https://annexiswealth.com/learning-center/what-do-financial-advisors-charge/https://annexiswealth.com/learning-center/what-do-financial-advisors-charge/Wed, 09 Sep 2026 09:00:00 +0000Annex Wealth Management shows physicians what do financial advisors charge in dollars when comparing quotes: a 3-balance table, $120,000 inheritance case. https://annexiswealth.com/learning-center/hsa-retirement-account-doctors/https://annexiswealth.com/learning-center/hsa-retirement-account-doctors/Tue, 08 Sep 2026 09:00:00 +0000A doctor with family HDHP coverage can use this HSA retirement account doctors guide from Annex Wealth Management to compare $8,750 contributions and receipts. https://annexiswealth.com/learning-center/emergency-fund-for-doctors/https://annexiswealth.com/learning-center/emergency-fund-for-doctors/Mon, 07 Sep 2026 09:00:00 +0000Annex Wealth Management's emergency fund for doctors guide sizes cash for payroll and locums income, disability timing and practice overhead. https://annexiswealth.com/learning-center/solo-401k-for-locum-tenens/https://annexiswealth.com/learning-center/solo-401k-for-locum-tenens/Sun, 06 Sep 2026 09:00:00 +0000For a doctor with W-2 pay and locum profit, this solo 401(k) for locum tenens guide shows shared limits and contribution math with Annex Wealth Management. https://annexiswealth.com/learning-center/employed-vs-private-practice-physician/https://annexiswealth.com/learning-center/employed-vs-private-practice-physician/Sat, 05 Sep 2026 09:00:00 +0000Owner draws can hide $80,000 in benefits and buy-in costs; Annex Wealth Management compares employed vs. private practice physician cash flow. https://annexiswealth.com/learning-center/physician-signing-bonus-taxes/https://annexiswealth.com/learning-center/physician-signing-bonus-taxes/Fri, 04 Sep 2026 09:00:00 +0000A new physician with a two-year bonus clawback can see how taxes on a physician signing bonus differ from withholding with Annex Wealth Management. https://annexiswealth.com/learning-center/when-to-refinance-medical-school-loans/https://annexiswealth.com/learning-center/when-to-refinance-medical-school-loans/Thu, 03 Sep 2026 09:00:00 +0000Refinance medical school loans as a new attending: Annex Wealth Management's 6-step checklist covers PSLF, disability, income stability and $300,000 math. https://annexiswealth.com/learning-center/retirement-planning-checklist-for-dentists/https://annexiswealth.com/learning-center/retirement-planning-checklist-for-dentists/Wed, 02 Sep 2026 09:00:00 +0000A delayed buyer search can shrink your choices. Annex Wealth Management explains a retirement planning checklist for dentists, from sale math to Medicare. https://annexiswealth.com/learning-center/money-mistakes-doctors-make/https://annexiswealth.com/learning-center/money-mistakes-doctors-make/Tue, 01 Sep 2026 09:00:00 +0000Annex Wealth Management covers money mistakes doctors make, like loans crowding out $73,500 of retirement deferrals over 3 years, and deadlines to check. https://annexiswealth.com/learning-center/when-to-hire-a-wealth-manager/https://annexiswealth.com/learning-center/when-to-hire-a-wealth-manager/Mon, 31 Aug 2026 09:00:00 +0000Managing index funds while considering part-time work? See when to hire a wealth manager, using an age-62 income gap and deadline test from Annex Wealth Management. https://annexiswealth.com/learning-center/how-much-do-doctors-need-to-retire/https://annexiswealth.com/learning-center/how-much-do-doctors-need-to-retire/Sun, 30 Aug 2026 09:00:00 +0000A $14,000 monthly plan leaves a $108,000 gap after part-time pay. Annex Wealth Management shows how much do doctors need to retire. https://annexiswealth.com/learning-center/roth-vs-traditional-401k-high-earners/https://annexiswealth.com/learning-center/roth-vs-traditional-401k-high-earners/Sat, 29 Aug 2026 09:00:00 +0000Physicians in a top bracket weighing Roth vs. traditional 401(k) for high earners get a five-year break-even table from Annex Wealth Management.