Foundations Financial Planning

Designed to focus on the personal finance decisions that matter most during residency and fellowship
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Build Your Financial Foundation 

Many residents and fellows have limited time to focus on their finances during training while navigating decisions around student loans, budgeting, and savings.  They want guidance but are sometimes unsure whether working with a financial advisor makes sense, especially if income feels limited.

Foundations Financial Planning was designed for this stage. It provides structure around your finances so you can get organized, make thoughtful decisions, and feel clearer about your next steps.

How planning works during training

 Before Signing an Employment Agreement 

You will meet virtually with your financial planner twice a year, with conversations aligned to key training milestones and financial decisions. Between meetings, you can reach out by email as questions come up.

 After Signing an Employment Agreement 

Once your employment contract is signed, we begin building long-term projections based on your actual income, allowing you to see your full financial picture more clearly. This includes creating a long-term investment strategy to support your retirement and broader financial goals.

 

Who you will work with

You will work directly with a financial planner who is a CFP® professional and has experience helping physicians navigate financial decisions during training.

Meetings are held virtually, making it easier to connect around clinical rotations and changing schedules. You can also reach out by email between meetings as questions come up.

 This service may be a good fit if you

Feel confident

Are in residency or fellowship and want a clearer financial game plan.

Onboarding

Want to build strong financial habits and confidence you can build on as your finances become more complex.

Investment

Have student loans and want help understanding your options.

Trusted Advisor

Want a trusted resource who has experience working with in training physicians you can turn to as new questions come up.  

What planning conversations  focus on

During training, we focus on the financial decisions most relevant right now.
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Student loan strategy

Reviewing repayment and forgiveness options and revisions as your career path becomes clearer.
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Clarifying values and setting priorities

Understanding what matters most to you and using that perspective to guide financial goals and decisions.
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Spending and saving decisions

Creating a sustainable approach to managing income, expenses, and early savings goals.
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Risk management and income protection

Understanding how to protect your future earning potential during training with disability, life and other types of coverage.
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Buying vs. renting

Thinking through how housing fits into your broader financial picture. If you are considering buying, we can help you evaluate affordability, timing, and trade-offs.
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Investing basics and account priorities

Understanding available retirement accounts during training and how saving decisions may evolve as you approach your transition into practice.
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Pricing

Planning fees during residency and fellowship are structured to reflect the stage of training and the financial decisions you are navigating.

Before signing an employment agreement 

Early training planning focuses on building a financial foundation, including student loans, spending, savings, and insurance decisions. Does not include investment management or long-term financial planning, including retirement. 

  • $375 initial setup fee
  • $130 per month if single or $156 if married *

After signing an employment agreement 

After signing your employment agreement, you transition into full-service planning with a comprehensive plan built around your expected attending income, including quarterly meetings and investment management, with your fee discounted by 50%* from your applicable flat fee during your final year of training.

*discount may be available to in training physicians depending on total household income

 Schedule a no-cost introductory call