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MedPath Financial

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OUR SERVICES

As an early-career physician, you’re in a unique position—earning a strong income while juggling student loans, demanding hours, and major life transitions. We're here to guide you through every financial decision, so you can move forward with clarity and confidence. Our services are designed to be proactive, personalized, and practical.

Tax Planning

As a physician earning a high income, taxes will be one of your largest lifetime expenses. While they are unavoidable, there are legitimate tactics that can significantly reduce your overall tax burden. Engaging in early planning can help ensure you make the most of tax-efficient opportunities. Our goal at MedPath Financial is to help you identify ways to optimize your tax strategy, so you pay your fair share but never leave Uncle Sam a tip.

Ways We Reduce Your Tax Burden

Determine when Roth vs. Traditional contributions would be appropriate.
Harvest tax losses in your portfolio.
Identify opportunities to open and fund tax advantaged accounts.
Maximize deductions and credits.
Structure business entities to minimize self-employment taxes.

Employment Planning

Your employment contract is more than just a salary—it's the foundation of your financial plan. We help you understand your compensation structure, evaluate benefits, and identify opportunities for negotiation or improvement. Analyzing factors such as cost of living, future earning potential, and ownership structure, we can make sure that you maximize your opportunities.

Common Challenges We Can Help With

Uncertainty about the value of benefits
Not knowing how to compare offers from different employers
Overlooking restrictive contract terms like non-competes or clawbacks
Confusion over W-2 vs. 1099 income and implications

Education Planning

As a physician, you are likely to carry significant student debt—but that doesn’t mean you have to sacrifice your financial future. We help you evaluate options like refinancing vs. forgiveness, create a repayment plan, and make room for saving toward your children’s education if that’s important to you. We also guide you through tax-smart strategies for education-related savings like 529 plans.

Common Challenges We Can Help With

Not knowing whether to refinance or pursue loan forgiveness
High monthly payments impacting your ability to save
Confusion around PSLF rules and tracking eligibility
Uncertainty about 529 plans or saving for children's education

Retirement Planning

It may feel like retirement is a long way off, but the earlier you start, the more flexibility you’ll have later. We help you set realistic retirement goals and build a strategy that evolves as your career and life priorities shift. Whether you're navigating employer retirement plans or planning for early retirement, we ensure every dollar saved is working toward your future freedom.

Common Challenges We Can Help With

Not knowing how much to save or where to start
Underutilizing retirement accounts due to complexity or confusion.
Over-reliance on employer-sponsored accounts
Not accounting for early retirement or career breaks

Estate Planning

Even early in your career, having an estate plan means protecting the people and causes you care about. We help you find an estate planning attorney to draft important documents—like a will, healthcare directive, and power of attorney—and ensure your assets and accounts are titled and assigned properly. Estate planning isn’t just about transferring wealth; it’s about being intentional with your legacy.

Common Challenges We Can Help With

No will or power of attorney in place
Beneficiaries not aligned with your wishes
No strategy for transferring wealth or charitable giving
Lack of coordination with your overall financial plan

Insurance Planning

Your ability to earn is your most at-risk asset, and protecting it is essential. We help you evaluate the right types and levels of coverage—disability, life, health, property and casualty, and more—based on your needs and career stage. With our guidance, you can avoid overpaying or underinsuring, so you have peace of mind no matter what life throws your way.

Common Challenges We Can Help With

Not having adequate disability insurance
Overpaying for insurance you don’t need
Gaps in life insurance coverage or beneficiary planning
Lack of umbrella liability protection
Employer-provided coverage that's insufficient or misunderstood

Investment Planning

With a busy schedule and limited time, managing your investments can feel overwhelming. We develop an investment strategy that reflects your goals, risk tolerance, and timeline—so your money is working for you, even when you're on call. From employer retirement plans to taxable brokerage accounts, we help you make confident decisions and avoid costly mistakes.

Common Challenges We Can Help With

Feeling overwhelmed by investment options or unsure where to start
Sitting on cash
Lack of diversification
Confusion about tax-advantaged accounts.
Investing too conservatively or aggressively for your goals

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