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A Doctor’s Guide to Smarter Wealth and Retirement Planning

At Earned, we understand that doctors face unique financial challenges. High student loans, the transition to practice ownership, and the responsibility of planning for retirement all create a complex financial landscape. Earned is here to help.

Earned Accelerates its Unique Acquisition-Led Growth Strategy and Establishes New England Footprint with Acquisition of Premier Healthcare-Focused Tax and Accounting Firm, Schwartz & Schwartz

Strategic acquisition expands Earned’s national presence and strengthens its position as the most comprehensive financial partner for healthcare professionals

2025 Mid-Year Market Outlook: Helping Doctors Navigate Fragility, Find Durability, and Embrace the Age of Alpha

For many doctors, 2025 has likely felt like another whirlwind — both on the job and in the markets. From sweeping fiscal legislation to tariff-driven market volatility and policy shifts out of Washington, the first half of the year demanded agility and clarity from investors.

Your Doctor Retirement Checklist: Are You Ready?

Whether you're a few years out or already setting the wheels in motion, this checklist is designed to help doctors like you navigate the financial, professional, and emotional aspects of stepping away from practice.

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. 

SPOTLIGHT

Earned Recognized on Forbes | SHOOK America’s Top RIA Firms 2025
National recognition underscores Earned’s leadership in integrated financial services for healthcare professionals.
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Earned News
How Financial Advisors Add Value for High-Net-Worth Doctors
There comes a time in your financial journey where, after years of hard work, you’ve accumulated enough wealth that you feel you need some assistance to manage it.
Financial Planning
Career Advisory
Tax Planning
Trust & Estate
Article
How High-Net-Worth Families Use College Funding as a Wealth Planning Tool
For high-earning doctors, the question isn’t whether they can afford college tuition — it’s how to align education funding with their unique financial realities.
Financial Planning
student loans
Investments
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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.
Top Tax Mistakes Doctors Make
Many doctors unknowingly make costly tax mistakes that slow down their wealth-building efforts. Learn tips to avoid them to help you maximize your savings and invest more efficiently.
Unpacking DSOs
In this guide, we’ll uncover the current state of the DSO marketplace, how to position your practice for a successful DSO transaction, and tax-smart strategies to help you minimize taxes and improve your financial outcomes.
Untapped Tax Strategies
Reducing your tax burden is one of the most powerful ways to accelerate your wealth and achieve your financial goals faster. These untapped tax-saving secrets can have a huge impact.

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