Medicine is one of the most financially complex careers there is. High income, massive student debt out of the gate, long training periods with delayed earning, practice ownership decisions, and a lifestyle that makes it easy to let financial planning fall to the bottom of the list.
At Intentional Living Financial Planning, we work with physicians, anesthesiologists, surgeons, and other medical professionals who earn significant income and need a financial plan that matches the complexity of their career. Whether you're a W-2 employee at a hospital system, a 1099 contractor, or a partner in a private practice, the planning needs are different — and we know how to navigate all three.
Most of our physician clients genuinely love what they do. They find it meaningful and engaging. But loving your work doesn't mean your financial life runs itself. The decisions you make about debt, taxes, investments, insurance, and practice ownership in the first decade of your career compound for the rest of your life.
What We Help Physicians With
Student loan strategy. Many physicians leave training with $200K–$500K+ in student loans. The payoff strategy — PSLF, refinancing, aggressive repayment, or a hybrid approach — depends on your income trajectory, tax situation, employment type, and long-term goals. We help you build a loan strategy that's coordinated with the rest of your financial plan, not treated as a standalone decision.
High-income tax planning. Physician income often puts you in the highest tax brackets quickly. Whether you're W-2, 1099, or a practice partner, proactive tax planning is essential — Roth conversions, backdoor Roth IRAs, tax-loss harvesting, charitable giving strategies, retirement account optimization, and multi-year tax projections. For 1099 physicians, we also help navigate estimated payments, entity structure, and self-employment tax strategy.
Avoiding lifestyle creep. After years of training at modest pay, the jump to attending income is dramatic. It's the most dangerous moment in a physician's financial life. We help you build a cash flow system that directs money intentionally — toward debt payoff, savings, investments, and lifestyle — so that your high income actually translates into wealth rather than quietly disappearing.
Practice ownership and partnership decisions. Buying into a practice, starting your own, or evaluating a partnership offer are among the biggest financial decisions a physician can make. We help you evaluate the opportunity, structure it properly, and make sure it fits within your total financial picture — not just as a career move but as a wealth-building decision.
Succession planning for practice owners. If you already own a practice, you need a plan for what happens next. Whether you're thinking about bringing in partners, selling outright, or transitioning over time, we help you maximize the value of the practice and ensure the exit delivers lasting personal financial freedom.
Alternative investments. Physicians with strong income and growing assets often have the capacity to invest beyond traditional stocks and bonds. We help you evaluate opportunities in real estate, private businesses, practice ownership, private equity, and other alternatives — making sure each one fits your risk profile, liquidity needs, and long-term goals.
Disability insurance. Your income is your most valuable asset. A specialty-specific, own-occupation disability policy is critical for physicians — and the details matter. We help you evaluate coverage, identify gaps, and make sure you're properly protected.
Retirement and financial independence planning. Whether you want to practice for 30 more years or reach financial independence in 10, we build a plan around your timeline. That includes retirement account strategy (401k, 403b, 457, cash balance plans, backdoor Roth), investment management, and a clear projection of when work becomes optional.
Who This Is For
This page is for physicians and medical professionals at every stage of their career:
- Residents and fellows building their first real financial plan
- Attending physicians managing high W-2 income and student debt
- 1099 contract physicians navigating self-employment taxes and entity structure
- Practice partners evaluating buy-ins, expansions, or exits
- Physicians approaching retirement or financial independence
We work with anesthesiologists, surgeons, hospitalists, primary care physicians, dentists, and specialists across Texas and nationwide — in New Braunfels, San Antonio, Houston, Austin, Dallas, and beyond.
Our Services
We provide comprehensive, fee-only financial planning covering every dimension of your financial life — investment management, tax planning, student loan strategy, retirement planning, disability insurance review, practice ownership consulting, estate planning, real estate consulting, Bitcoin integration, cash flow planning, benefits and open enrollment guidance, and coordination with your CPA, estate attorney, and other professional advisors.
Every plan starts with what matters most to you. We follow a framework of Values, Goals, Decisions, and Actions — ensuring your money is aligned with the life you actually want to live.