Physician's Money Digest

Own-occupation disability insurance pays when you can't work in your own occupation or specialty. How policies define disability and where to verify terms.

Crossing into a higher tax bracket raises the rate only on the dollars above the line. Here's how the math works and how to find your real tax rate.

A written financial guide and a candid conversation can help a surviving spouse avoid cash shortfalls and financial chaos during a time of grief.

Medicine has never moved this fast. How much of the next decade has already been decided, and what’s still open?

Why physicians owe tax on their share of practice profit rather than the cash they take out, and how entity type, footnotes and late K-1s can change the final bill.

A joint lifetime income annuity and a fixed indexed annuity with an income rider both guarantee income for a surviving spouse, but they differ sharply on flexibility, cost and cash value

Rachel Brace and Nicole Hart of BackPocket Talent say private practices lose strong staff when employees can't see where their jobs lead.

A third of Americans doubt they'll have enough money to retire, and more than a third are counting on family to help, according to a new WalletHub survey.

Why the most expensive school isn’t always the best investment, and how physician families should weigh cost, competition and outcomes.

What new EBRI research on 401(k) borrowers means for doctors still paying off med school

What counts as a qualifying employer, whether residency payments count and which repayment plans still earn credit after the 2026 overhaul.

A financial advisor breaks down what clients need to bring to the relationship, from full disclosure to setting clear communication expectations.

The gap between what reactive versus proactive tax management can deliver isn't theoretical, it's measurable.

Side work — from telemedicine to expert witness testimony — can supplement income, ease burnout and build a second retirement plan for employed physicians.

A malpractice claim costs more than just money.

Don't increase your lifestyle spending with every raise.

A beneficiary, other than a spouse, can face a big tax bill when inheriting an annuity. Choosing annuitization or the "stretch" option lets you soften the blow by extending tax deferral.

Selecting a financial advisor is a lot like choosing a physician.

A simple gap between income and savings can reveal the true retirement number, and it's usually bigger than families expect.

Multi-year guarantee annuities can outperform bonds and bank CDs — but know how they work before you buy.

CMS wants to cut the conversion factor, rewrite the G2211 add-on into a percentage modifier, halve payment for same-day procedures and put an expiration date on traditional MIPS.

Physicians in eight specialties now clear $500,000 a year, and the distance between the top earners and primary care keeps growing.

Where you set up shop can quietly cost you thousands. These are the states that take the biggest share of residents' income in state and local taxes.

Beyond AI darlings, the unsung materials sector is quietly outpacing the S&P 500 — and physicians may want to take notice

Product offers ample income plus a lifetime guarantee — serving as longevity insurance