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2026 Outlook: The Discipline Dividend

A Doctor-Centered Perspective on Markets, Risk, and Long-Term Wealth

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

10 Smart Tax Moves to Start the New Year Strong
How doctors can reduce taxes, grow wealth, and avoid costly blind spots in the year ahead
Article
Tax Planning
Give Smarter This Holiday Season: Tax-Efficient Charitable Giving Strategies for Doctors Before 2025 Ends
As the holidays are in full swing, many of our clients are thinking about how they want to give back — to their communities, alma maters, hospitals, and the causes they care about most. But this year, that generosity comes with more urgency than usual.
Article
Tax Planning
Financial Planning
Earned Recognized on Forbes | SHOOK America’s Top RIA Firms 2025
National recognition underscores Earned’s leadership in integrated financial services for healthcare professionals.
Article
Earned News
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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.
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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