Story at-a-glance Term life is low-cost, temporary coverage—ideal for short-term needs like income replacement or mortgage protection.Whole life offers lifelong protection with tax-deferred savings and potential dividends that can reduce long-term costs.Term works well when budgets are tight
Asset Allocation through the Physician’s Life Cycle
Story at-a-glance Your investment strategy should evolve with your career stage – From training to retirement, physicians’ goals, risk tolerance, and time horizons shift, requiring tailored asset allocation.Early career = growth focus – Younger physicians typically benefit from higher-risk,
When Physicians Should Change Their Life Insurance Coverage
Story at-a-glance Life changes—your insurance should too. Major events like marriage, children, or income jumps can make old coverage outdated.Annual reviews help avoid big gaps, allowing small, strategic adjustments rather than costly catch-ups.You may find cheaper term coverage, especially
How Much Life Insurance Coverage Do You Really Need?
Story at-a-glance Don’t guess your life insurance needs—use a clear, step-by-step calculation instead of one-size-fits-all rules.Start by identifying actual needs, including debts, final expenses, future goals, and your family's lifestyle expectations.Quantify both immediate and long-term
How to Build an Emergency Fund for Physicians (Without Cutting Into Your Lifestyle)
Story at-a-glance Physicians need an emergency fund—3 to 6 months of expenses in a liquid, safe account.Most doctors don’t prioritize cash reserves, putting their financial stability at risk.Keep funds in a high-yield savings account or money market fund—not investments.Build it gradually with