Investments

Rejuvenate: Simple Acts of Self-Care for Dentists

Dentistry is outrageously rewarding, but we're no strangers to the pressures and challenges that can lead to burnout (a topic I talked about in my previous post). Between managing busy schedules, addressing patient anxieties, and staying updated with evolving techniques, it's easy to forget about yourself in the process.

7 Secrets to Wealth Building You Won’t Learn in Medical School

A longtime partner and client of Earned, Dr. Frey initially took a DIY approach to investing. But as his financial needs grew more complex, he turned to Earned for additional financial guidance. Now, as a guest contributor and webinar speaker, he shares his journey and strategies to help fellow doctors achieve financial empowerment.

The Road to Maxing Out Your 401(k) and Beyond as a Doctor

As a doctor, you intuitively understand the concept of investing: After all, medical school is one of the biggest investments there is. So, when it comes to saving for retirement, many doctors are ahead of the game and start maxing out their 401(k) contributions as soon as possible.

Earned Acquires Chahal & Associates, Expanding its Tax-Smart Financial Services for Healthcare Professionals

New York, NY – April 21, 2025 – Earned Wealth, a leading tech-enabled financial services firm created specifically for doctors, their families, and their practices, today announced the acquisition of Chahal & Associates, a premier tax and accounting firm based in Hercules, California with a strong client base of ~2,200 doctors, business owners and high-net-worth professionals. This strategic move strengthens Earned’s position as the preferred acquirer for accounting, tax, registered investment advisors (RIAs) and insurance firms looking to scale through integration into the most comprehensive, doctor-focused financial ecosystem.

Diversification Works for Investments — But What About Financial Advisors?

Diversification is a cornerstone of smart investing — but does that mean you should diversify your financial advisors, too? The short answer is no. While spreading your investments across asset classes and markets is a proven strategy, fragmenting your financial guidance can actually do more harm than good. Consolidating your investment accounts with one competent financial advisor offers clarity, efficiency, and better outcomes. Here’s why.

How the 4 Percent Rule Works (And If It Still Makes Sense for Doctors)

A longtime partner and client of Earned, Dr. Frey initially took a DIY approach to investing. But as his financial needs grew more complex, he turned to Earned for additional financial guidance. Now, as a guest contributor and webinar speaker, he shares his journey and strategies to help fellow doctors achieve financial empowerment.

How Much Do You Need to Save for a $5 Million Nest Egg?

A longtime partner and client of Earned, Dr. Frey initially took a DIY approach to investing. But as his financial needs grew more complex, he turned to Earned for additional financial guidance. Now, as a guest contributor and webinar speaker, he shares his journey and strategies to help fellow doctors achieve financial empowerment.

From Fatigue to Fulfillment: How Dentists Can Beat Burnout

As dental professionals, we take pride in providing high-quality care to our patients. Our work requires precision, compassion, and unwavering focus. But the demands of the job can also take a toll and potentially lead to burnout — a state of emotional, physical, and mental exhaustion caused by prolonged, intense stress. Left unaddressed, burnout can impact not only our own well-being but also our ability to provide the best care for our patients. Recognizing the signs and taking proactive steps to manage stress is essential for a long and fulfilling career.

How Doctors Can Stay Calm During Market Fluctuations

Recent market fluctuations have left many investors feeling uneasy. At Earned, we understand that as a doctor, your time is valuable and you shouldn’t have to spend it stressing over market swings. Our goal is to provide clarity and confidence, helping you navigate this period of economic uncertainty with a long-term view. 

Solving the Staffing Challenge: Interview Questions to Help Doctors Find and Retain Top Talent

As a practice owner, you know one of the most significant challenges you face is hiring and retaining the right team. It’s no secret that staffing is one of the most daunting aspects of running a successful medical or dental practice. The time spent searching, hiring, and training employees can feel like a career drain – but there’s a way to make it easier.

Don’t Just Give — Give Smarter: How Donor Advised Funds Can Help You Give and Save More

One strategy that’s been growing in popularity among our clients is the use of Donor Advised Funds (DAFs) — which let you donate to your favorite causes while optimizing your taxes. It’s a win-win, allowing you to give generously while also saving more money.

Introducing Earned’s Brand Refresh and New Website

At Earned, we’ve always been committed to helping doctors take control of their finances. But as we continue to grow, our brand needed a refresh to reflect where we’re headed. With our newly launched website, we’re making it clearer than ever: we’re not just any financial firm — we’re setting a new standard as the first-of-its-kind, fully comprehensive wealth and tax firm for doctors.

An Introduction to Estate Planning For Doctors

Knowing where to start when planning your estate can be a daunting task. Depending on your career and life stage, how you plan your estate may look very different. Once you break it down, planning your estate doesn't have to be as complicated as you think.

10 Year-End Tax Tips for High-Earning Doctors

No matter where you are in your career journey, the end of the year is the perfect time to implement tax strategies to help optimize your financial situation.

Earned Recognized on Newsweek’s America’s Top Financial Advisory Firms 2025 List

Earned is proud to announce its inclusion in Newsweek’s prestigious ranking of America’s Top Financial Advisory Firms 2025. This recognition underscores Earned's commitment to providing healthcare professionals and medical practices with industry-leading financial guidance and wealth management solutions.

Tax-Smart Strategies for Doctors: An Introduction to Tax-Loss Harvesting

Tax-loss harvesting is a sophisticated investing strategy that can turn market dips into tax deductions.

Navigating Markets During an Election: A Data-Driven Perspective for Doctors

As we approach the final stretch of the election, economic uncertainty is top of mind for many high-income earners, especially doctors. This market uncertainty coupled with potential tax rate hikes can add stress to an already demanding life. With headlines stirring emotions, it’s natural to wonder how the presidential election might impact your financial future.

Do Physicians Need Umbrella Insurance?

As a physician, it’s safe to say you experience risk differently than most professionals. Umbrella insurance helps cover non-occupation-related liability gaps in your insurance policies.

Thomas Doll, an Earned Wealth Company, Recognized on the 2024 CNBC FA 100 List

Thomas Doll, an Earned Wealth Company, is honored to announce its inclusion in the prestigious 2024 CNBC Financial Advisor 100 ranking. With over 60 years in business, Thomas Doll has built a strong reputation for helping individuals and families achieve their financial goals.

Insurance for Doctors

In this article, we'll take a look at the insurance policies both doctor employees and private practice owners need to know about.

Tax Minimization Strategies for Plastic Surgeons

By roughly employing a handful of key optimization tactics, the plastic surgeon in this hypothetical illustration reduced their taxable income by ~$250,000, which led to ~$136,000 less in taxes paid.

Earned Wealth Announces $200 Million Capital Commitment

Summit Partners and Silversmith Capital Partners lead investment to accelerate expansion, beginning with the acquisition of industry leader Thomas Doll.

Navigating Finances Through Doctor Burnout

By diversifying your ability to generate revenue and provide value, you inherently gain more freedom, flexibility, and autonomy regarding your financial future.

Locum Tenens Physician: 3 Financial Pros and Cons

Locum Tenens physician work comes with its own set of financial pros and cons that doctors should carefully consider before accepting this kind of temporary employment.

Doctor Burnout is Still Soaring — Can Artificial Intelligence Help?

Study after study has confirmed that, even post-vaccine, burnout among physicians and other medical professionals is still prevalent. Now, institutions are looking at AI solutions from new startups to reduce administrative burdens and help reduce doctor burnout.

Benefits of a Fiduciary Financial Advisor

Discover why partnering with a fiduciary financial advisor for physicians can provide numerous benefits for doctors seeking to manage their wealth effectively.

Physicians Making Over $200,000: Watch Out for These Phase Outs and Additional Taxes

What the FTC’s New Ruling on Non-Competes Means For Doctors

The FTC issued a final ruling in April 2024 that bans employers from forcing employees into non-compete arrangements as part of an employment contract.

Navigating the World of Financial Advice

When it comes to doctors’ wealth, there’s a whole world of advisors vying for your attention. Understanding the different types of financial professionals and the value they offer can help you cut through the noise.

Practical Tax Advice for Everyday Financial Management

As doctors file their income tax returns, sometimes there are tax exemptions and tips associated with ordinary actions that they may not be aware of.

Should You Rent or Buy Your Home?

Rewarded by the IRS and encouraged by financial advisors, owning one’s home has long been celebrated as both the cornerstone of the American dream and the central pillar of lifelong financial security. But is it always the right option?

What to Look for in a Medical Malpractice Insurance Policy

Here are the main things you should take into account when searching for the right medical malpractice insurance policy.

I’ve Maxed Out My 401k, What Should I Do Next?

Once a doctor has maxed out their 401k contributions, there are several financial steps they can prioritize.

Life Insurance for Physicians

From student loans to owning a practice, and even lawsuits - physicians have specific needs for life insurance. Find out how to determine how much insurance you need and what type of policy is best for you.

Tax Minimization Strategies for Physicians: a Side-by-Side Comparison

3 New Year's Financial Tasks For Doctors

January is a good time to figure out finances for the rest of the year, and maybe the next decade or more. Tax documents arrive, and with them, opportunities to see what adjustments you wish you’d made last year and can make now. It’s also a good time to figure out what you want 2024 to look like.

Loan Forgiveness Eligibility Now Available For California and Texas Physicians

Due to a recent rule change by the US Department of Education, physicians in California and Texas are now able to apply for public service loan forgiveness (PSLF). Earned explains how this change opens up loan forgiveness options for physicians in these two states.

Beyond 401(k) or 403(b) Plans - What Extra Retirement Benefits Do Top Hospitals Offer?

In the diverse landscape of healthcare systems, employees typically receive retirement benefits, often in the form of standard 401(k) or 403(b) plans with employer matching.

1099 vs. W-2 Doctors: Differences, Pros and Cons

The 1099 vs. W-2 tax classification designates someone as an independent contractor or employee in the workplace. There are pros and cons to each type of designation.

2024 UC Retirement Plan Choices - What You Need to Know

If you are joining the University of California hospital system, or if you’re taking this opportunity to re-evaluate the choices you made last year, Earned Wealth has broken down the retirement plan options available to you during open enrollment.

Earned Joins the Aesthetic Society as an Alliance Partner

John Clendening On Helping Scale Schwab Bank And Raising $225 Million To Build Earned Wealth

Earned Wealth CEO John Clendening sat down with Alejandro Cremades for the DealMakers podcast to discuss his bold vision to push the boundaries of what’s possible in the financial services industry.

Only 17% of Eligible Workers are Saving Money in Their Roth 401(k)

While more and more employers are offering the after-tax savings accounts to their employees, workers have been slow to incorporate them into their retirement plans. However, many savers — physicians included — could greatly benefit from doing so.

How Doctors Can Avoid Leaving Heirs a Giant Tax Bill

According to a rule instituted in 2020, non-spousal beneficiaries of retirement accounts now must draw down those savings within 10 years — often leaving them with a sizable tax bill. Below, we’ll take a look at what high earners are doing to amend their estate plans and what physicians should consider when leaving money to their children and grandchildren.

The Changing Landscape of Physician Noncompete Agreements

Industry experts estimate that at least 37% of American physicians have signed noncompete agreements as part of their employment. While these agreements have typically forced doctors to relocate when taking a new job, a wave of new legislation is poised to change how physicians navigate the industry.

New Roth 401(k) Requirement for High Earners Delayed Until 2026

The IRS has announced a two-year reprieve for high earners 50 and older who would've been subject to new retirement saving rules next year. Now slated for 2026, the new law requires these savers to make "catch-up" contributions on an after-tax basis to employee-provided Roth 401(k) accounts.

Multi-family Real Estate Investors About to Hit Turbulence

As the Wall Street Journal reports, those who invested in multi-family buildings are facing mounting debt and adverse market conditions. These investments have become popular with physicians over recent years, posing a possible threat to their portfolio.

Professional Fulfillment Among Physicians Trending Downward

Nearly half of working physicians are unsure if they would decide to practice medicine again if given the choice.

Physician Retirement Savings: 5 Strategies to Make It Last

There are several proven strategies that can help your physician retirement savings last longer to better ensure a comfortable retirement.

Real Estate Investing for Physicians: Pros, Cons, and Tips

As a physician seeking financial growth beyond the medical field, investing in real estate can be an enticing option. However, it is crucial to approach such investments with caution. Keep reading to learn about the pros and cons of real estate investing for physicians.

Retirement Planning for Physicians: 5 Tips to Maximize Your Savings

Here are five tips to maximize your savings when considering retirement planning for physicians.

Wealth Management Platform Earned Wants to Help Doctors with Financial Security

How one company is looking to revolutionize finances for physicians. As featured in Healthcare Brew.

Physician Early Retirement Considerations

Studies often cite career burnout as a driving factor for physician early retirement, but the reasons vary from doctor to doctor and the decision to walk away from full-time work is always a personal one.

How to Do a Backdoor Roth: A Physician’s Guide

More and more high earners are using a retirement saving strategy called the Backdoor Roth. This strategy allows them to fund a Roth IRA account indirectly from other savings accounts. Keep reading to learn about how to do a Backdoor Roth.

Private Equity Acquisitions: What Physicians Need to Know

The growing wave of medical practice acquisitions by private companies like CVS and Amazon is currently disrupting the healthcare sector. Here’s what today’s physicians should know about the current trend of private equity acquisitions and what to consider if their own practice is ever approached for acquisition.

Are Physician Home Loans the Right Solution for You?

A physician home loan is a specialized mortgage designed to help physicians overcome the unique financial challenges they face early in their career.

Physician Finances: A Prescription for Your Financial Health

The demands on physicians today can seem overwhelming. It's no secret that healthcare delivery is changing, and those changes are reflected in the state of physician finances every day.

Combating Physician Pay Cuts and Burnout

Decreasing compensation, burnout, and pay parity challenges are just a few of the key findings in Doximity and Curative’s new 2023 Physician Compensation Report.

Physician Retirement: 7 Signs You Are Ready

The majority of physicians plan to retire at age 68, much later than the average American. Why is physician retirement often delayed?

Estate Planning for Doctors: A Checklist to Update or Start Your Own

Estate planning for doctors is a crucial aspect of financial planning, and it's never too early to get started.

Physician Career Changes and the NFL

What do physician career changes and NFL players have in common? Well, if it has to do with one person in particular, everything.

TechCrunch: Forme Financial launches out of beta as Earned to help physicians manage wealth

Forme Financial, a wealth management platform for physicians, is emerging from beta with a new name and $12 million in Series A funding.

Forme Financial Raises $18MM, Launches as Earned

The first-of-its-kind comprehensive wealth system for physicians has launched out of Beta with a new brand and announced a Series A fundraise to expand services and accelerate proprietary technology development

Money Management for Doctors

Our goal at Earned is to provide the financial education and advisory that physicians deserve, so we’ve put together a list of the 5 main tips about money management for doctors, so you can learn what they are and how to plan around them.

Important Tax Planning Information for 2023

Tax planning is a year-round process, but as Tax Day on April 18th approaches, it’s important to make sure you have the information you need to file correctly.

What Physicians Should Know About the SECURE Act 2.0

We’ve analyzed the nearly 400 pages of the SECURE Act 2.0 to identify what may affect physicians most at different stages of their careers.

Key Dates for Planning Your Financial Health in 2023

As 2023 jumps into gear, you may be thinking about plans and goals for the coming year and beyond. Maybe your plans include financial planning, or maybe one of your goals is to take a look at your financial health and set yourself up for the future.

Check These 3 Things Before Year-End

The end of the year can be a hectic time and likely the last thing you will want to do is take on another to-do list. Earned has compiled 3 things to check before year-end; these items are time-sensitive and may potentially lead to savings.

How Doctors Can Improve Their Credit Scores

We share a handful of strategies that can have a huge impact on improving your credit score, paving the way for a more secure financial future.

How Physicians Can Maximize Long-term Wealth‍ through Better Tax Management

Earned Wealth's Chief Wealth Officer runs you through how physicians can maximize long-term wealth‍.

Tax Smart Investing: Using Custom Indexing to Minimize the Impact of Taxes

As high earners, physicians typically pay a lot in taxes. Custom indexing and tax-smart technology can help reduce taxes and enable personalization of physician portfolios.

How to Maximize Your Roth Savings as a Resident or Fellow

“Compound interest is the 8th wonder of the world. Those who understand it, earn it. Those who don’t, pay it.”

Why Every Physician Should Consider Disability Insurance

Disability insurance, also referred to as disability income protection, provides a monthly predetermined replacement income should you find yourself unable to work or generate an income.

4 Practical Real Estate Investment Strategies for Doctors

There's no doubt real estate is a popular investment strategy for high-earning doctors – it is often a solid way to diversify your investments, save more for retirement, protect against inflation, and potentially enjoy some tax benefits.

How Doctors Can Leverage Deductions in 1099 Work

Many doctors and physicians engage in work where they are paid as a contractor rather than as an employee. Learn more here.

How to Use Your Tax Return to Identify Potential Investment and After-Tax Opportunities

Did you know your tax return, Form 1040, tells a story about how to potentially improve your investment strategy and increase after-tax wealth?

8 Steps to Better Protect Your Financial Information

As a healthcare professional, you understand the critical importance of protecting sensitive information. This recent security breach highlights the urgent need for proactive measures to secure your financial data.

Financial Rules of Thumb for Doctors

Financial rules of thumb are popular and generally act as a quick framework or general guideline. They can be a helpful shorthand and some have been derived from historical and collective wisdom that have stood the test of time.

Spending Framework for Doctors