Navigating Your Financial Journey as a Physician
At Aether Financial Group, we understand that physicians face a unique financial landscape—one that evolves significantly at each stage of their careers. Whether you're a resident managing student loans, an early career physician building wealth, or a mid-career professional preparing for retirement, our tailored financial strategies are designed to help you navigate the complexities of your profession and build a secure financial future.
Why Financial Planning is Different for Physicians
Physicians have high earning potential, but they also face challenges that set them apart from other professionals. These include:
Delayed Earnings: The journey through medical school and residency means many physicians don’t reach peak earning years until their 30s or later.
High Student Loan Burdens: Six-figure student debt is common, requiring strategic repayment approaches such as PSLF, refinancing, or hybrid strategies.
Unique Benefits Structures: Hospital employment contracts, independent contractor arrangements, and private practice structures all have different financial implications.
Asset Protection Needs: As high-income professionals, physicians must navigate liability risks, malpractice insurance, and asset protection strategies to safeguard their wealth.
Retirement Planning Complexity: From 401(k)s and 403(b)s to 457 plans and cash balance pensions, the physician retirement landscape requires careful coordination for tax efficiency and long-term security.
Residents and Fellows
Your focus is on training, and your time and income are both limited—but the financial decisions you make now still matter. Even small, intentional steps during residency and fellowship can help you build a strong foundation for the future. We help physicians in training navigate student loans, maximize benefits, and prepare for the transition to attending life—so you can step into the next phase of your career with confidence.
Early Career Physicians
Your career is taking off, and so is your financial life. With a significant income jump, new responsibilities, and increasing financial complexity, making the right decisions now can set you up for long-term success. We help early career physicians build a strong foundation while avoiding common financial pitfalls—so you can focus on your career with confidence.
Mid & Late Career Physicians
You’ve spent years building your career, and now your financial priorities may be shifting. Whether you're refining your long-term financial plan, optimizing your investments, preparing for retirement, or ensuring your wealth is protected, this stage of your career is about maximizing what you've built. We help mid-to-late career physicians make strategic financial decisions, so they can enjoy their success with confidence and peace of mind.
Advanced Practice Providers
As an Advanced Practice Provider, you've worked hard to build a rewarding career in healthcare. Whether you're balancing student loan repayment, optimizing your benefits, growing your investments, or planning for long-term financial security, having a clear strategy can help you make the most of your hard-earned income. We help APPs navigate the unique financial challenges of their profession, so they can build wealth, protect their future, and achieve financial confidence.