Physician Financial Advisors Insights https://physicianadvisors.co/insights.html Plain-language financial and tax planning articles for residents, fellows, and physicians. en-us Own-Occupation Disability Insurance for Residents: Why the Best Time to Buy Is Now https://physicianadvisors.co/own-occupation-disability-insurance-for-residents.html https://physicianadvisors.co/own-occupation-disability-insurance-for-residents.html Wed, 23 Sep 2026 12:00:00 +0000 Protection What own-occupation disability insurance is, why residents and fellows should buy it during training, how much coverage to carry, and the riders that matter. PSLF for Physicians in 2026: A Plain-Language Guide https://physicianadvisors.co/pslf-for-physicians-2026.html https://physicianadvisors.co/pslf-for-physicians-2026.html Wed, 23 Sep 2026 12:00:00 +0000 Student loans How Public Service Loan Forgiveness works for physicians, why residency payments count, what changed in 2025, and how to decide between PSLF and refinancing. Your First Attending Paycheck: What You Will Actually Take Home in 2026 https://physicianadvisors.co/first-attending-paycheck-take-home-2026.html https://physicianadvisors.co/first-attending-paycheck-take-home-2026.html Wed, 23 Sep 2026 12:00:00 +0000 Cash flow How a physician’s salary becomes take-home pay in 2026: federal brackets, FICA, deferrals, the withholding surprise in the first year, and the live-like-a-resident plan. The Physician Employment Contract: Ten Terms to Negotiate Before You Sign https://physicianadvisors.co/physician-employment-contract-terms-to-negotiate.html https://physicianadvisors.co/physician-employment-contract-terms-to-negotiate.html Wed, 23 Sep 2026 12:00:00 +0000 Career The ten terms in a physician employment agreement that carry the most money and the most risk, and how to approach negotiating them before signature. Governmental vs. Non-Governmental 457(b): What Academic Physicians Need to Know https://physicianadvisors.co/governmental-vs-non-governmental-457b-for-physicians.html https://physicianadvisors.co/governmental-vs-non-governmental-457b-for-physicians.html Wed, 23 Sep 2026 12:00:00 +0000 Retirement The 457(b) plan common at hospitals and universities doubles a physician’s pre-tax space, but governmental and non-governmental versions carry very different risks. How to tell them apart and how to use each. The Backdoor Roth IRA for Physicians: The 2026 Walkthrough and the Pro-Rata Trap https://physicianadvisors.co/backdoor-roth-ira-for-physicians-2026.html https://physicianadvisors.co/backdoor-roth-ira-for-physicians-2026.html Wed, 23 Sep 2026 12:00:00 +0000 Tax How physicians above the Roth IRA income limits add $7,500 of Roth space in 2026 through the Backdoor Roth, step by step, and how to avoid the pro-rata rule.