Foundations Financial Planning

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Financial Planning Built for Residency and Fellowship 

Get clear, practical guidance on student loans, budgeting, saving, insurance, and the financial decisions that come with training.

 

Foundations Financial Planning helps residents and fellows build a strong financial foundation—without product sales, commissions, or investment minimums.

 This service may be a good fit if you

Feel confident

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

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 guidance from a CFP® professional who has experience working with in-training physicians.

How planning works during training

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

What planning conversations  focus on

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Student loan strategy

Reviewing repayment and forgiveness options with 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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Renting vs. buying

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

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
  • $135 per month if single or $162 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. Your fee may be 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

 Want to Learn More?

Schedule a no-cost introductory call with one of the CFP® professionals on our team to learn more about Foundations Financial Planning and see whether the service is a good fit for your situation.