We write about the financial questions that come up when you finish training late, carry education debt, run a practice or earn a high income on an irregular timeline. The pieces cover retirement accounts you may have missed, loans you might pay off early, practice decisions and tax moves that often get overlooked. Pick an article that matches where you are now.
Is a backdoor Roth IRA for physicians worth the pro-rata paperwork?
A $60,000 rollover IRA makes $6,667 of a $7,500 conversion taxable.
Read the guide →How much should doctors save after starting late at age 40?
Each $1,000 a month that your savings have to pay for takes about $300,000 saved ($1,000 × 12 × 25).
Read the guide →The Annex Wealth Management Guide to Whether to Pay Off Student Loans or Invest
Whether to pay off student loans or invest depends on two numbers: the loan's rate and the after-tax return you'd assume.
Read the guide →The 30-hour PSLF mistake physicians make before cutting hours
Full-time means at least 30 hours a week or your employer's own full-time definition, whichever is higher; a 30-hour schedule fails at a hospital that sets full-time at 32.
Read the guide →Own-occupation disability insurance: protect the gap in four steps
Own-occupation disability insurance pays a monthly benefit when you can no longer do your specialty's work, even if you earn elsewhere.
Read the guide →How to decide if a physician mortgage loan is worth it
Most doctors think skipping 20% down mostly saves PMI; the larger cost is interest on extra borrowing, about $809 a month of principal and interest on $135,000 at an illustrative 6% over 30 years.
Read the guide →How Annex Wealth Management approaches a dental practice buy-in
The number that frames the decision is the monthly gap between associate pay and owner cash after debt.
Read the guide →403(b) vs. 457(b) for physicians: A Walkthrough from Annex Wealth Management
Rule of thumb: fill the 403(b) to its $24,500 limit for 2026 first, then use the 457(b) only after checking its payout and beneficiary terms.
Read the guide →What are the financial advisor red flags for doctors?
If the person pitching you can't say what the whole arrangement costs per year in dollars, treat that as the first red flag.
Read the guide →Whole life insurance for doctors: a new attending's lunch-pitch decision
On most illustrations, guaranteed cash value does not exceed cumulative premiums until year ten or later, so check the exact crossover year in your own policy.
Read the guide →Annex Wealth Management's Guide to Catch-Up Contributions After 50
In the years you are 60 through 63, it rises to $11,250, making the deadline worth marking well before a practice sale.
Read the guide →The costly assumption about a mega backdoor Roth for doctors
A doctor deferring $24,500 with $14,000 of employer money has $72,000 − $24,500 − $14,000 = $33,500 of after-tax room; catch-up contributions sit outside that cap.
Read the guide →Budget for a new attending physician: Set the spending line first
Rule of thumb: put at least a third of gross pay toward loans plus savings before setting spending; on $25,000 a month, that is about $8,300.
Read the guide →How to judge physician net worth by age against your spending
Being ahead of the averages does not mean you are on track; net worth means little until you divide it by what you spend.
Read the guide →Asset protection for physicians: how Annex Wealth Management reads the rules
A covered 401(k) has no federal dollar cap on creditor protection.
Read the guide →Taxes on selling a dental practice: goodwill, equipment and you (a Walkthrough from Annex Wealth Management)
The exact bill depends on your tax basis, allocation, filing status and closing date.
Read the guide →How much house can a doctor afford on a real monthly budget?
A useful first screen is to keep total housing near 30% or less of monthly take-home pay.
Read the guide →A physician's house budget: the 529 plan or taxable account trade-off
To see how much house a doctor can afford, first confirm that monthly debt payments, planned retirement savings and ordinary spending are covered, then keep total housing costs near 30% of take-home pay.
Read the guide →What Do Financial Advisors Charge? The Math on a Doctor's Portfolio
The usual wrong assumption is that the lowest-looking percentage is automatically cheapest.
Read the guide →The HSA retirement account doctors often misuse
For 2026, family HSA coverage permits $8,750 in contributions, but Medicare enrollment ends HSA eligibility for new contributions; the calendar matters more than the label retirement account.
Read the guide →Emergency fund for doctors: Set a reserve for the income gap
An emergency fund for doctors should cover the longer of six months of core spending or the disability waiting period, with practice costs added separately.
Read the guide →How to set up a solo 401(k) for locum tenens income
The 2026 employee deferral limit is $24,500 across your 401(k) and 403(b) plans combined, not $24,500 per plan.
Read the guide →Employed vs. Private Practice Physician: A Cash Flow Comparison
A partnership decision should include monthly buy-in payments, personally paid benefits, debt service and a reserve for weaker collections.
Read the guide →Taxes on a Physician Signing Bonus and What to Do with the Rest
Payroll may apply a flat supplemental rate to a $50,000 bonus, but your final tax depends on total taxable income, so reserve the estimated difference.
Read the guide →When should you refinance medical school loans?
For most fellows, refinance medical school loans only after federal protections no longer matter.
Read the guide →Retirement planning checklist for dentists with ten years left
At age 65, Medicare becomes a deadline to assess alongside the sale plan.
Read the guide →Money Mistakes Doctors Make in the First Five Years as Attendings
A physician who skips the 2026 employee deferral limit of $24,500 for three years leaves $73,500 of tax-deferred contribution room unused; investment growth is separate.
Read the guide →When to hire a wealth manager: the mistake of waiting for a bigger balance
A physician with automatic index-fund purchases and no pending decisions may not need paid help; one facing a practice buy-in or a loan-forgiveness deadline may have a different answer.
Read the guide →How much do doctors need to retire: A $2.7 million gap at 62
A $14,000 monthly plan leaves a $108,000 gap after part-time pay.
Read the guide →How to weigh Roth vs. traditional 401(k) for high earners in medicine
The number that frames everything is the gap between your rate today and your rate on future income draws.
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