Financial Planning for Orthopedic Surgeons

Orthopedic surgeons often start their careers late and owe a lot. After five years of residency, and often a fellowship, many begin practice in their mid-thirties with large student loans. Their income can then climb quickly through partnership, ASC distributions, and consulting. Making good decisions in that first decade can shape everything that follows. Physician Planning Partners is an introduction service. We connect orthopedic surgeons with independent financial professionals we select to partner with.

Financial decisions common in orthopedics

• Paying off debt versus investing. Whether to pay down student loans quickly, refinance them, or pursue forgiveness if you're employed.
• ASC and partnership buy-ins. How to fund a buy-in, whether with cash, a loan, or payroll deductions, and how it fits your overall plan.
• Protecting your income. Orthopedics is physically demanding. Own-occupation disability coverage that keeps pace with your income is a frequent topic.
• Employment versus ownership. Comparing a hospital salary package with private practice and ASC income over time.
• Concentrated income. Relying heavily on one ASC or group means planning for changes in reimbursement or a future sale.

What a financial plan often covers

1. Cash flow, savings targets, and debt strategy.
2. Disability, life, and umbrella liability insurance review.
3. Retirement plan strategy, coordinated with your CPA.
4. An investment approach that fits your goals and risk tolerance.
5. Planning for a practice sale, rollover equity, or retirement.

The professionals we introduce are independent and responsible for their own advice, licensing, and fees. Ask how they're paid and whether they act as a fiduciary.

Questions to ask a financial professional

• How many orthopedic surgeons or ASC owners do you work with?
• How are you paid, through flat fees, a percentage of assets, or commissions?
• Will you coordinate with my CPA and estate attorney?

How the introduction works

1. Tell us your career stage and goals.
2. We suggest an independent financial professional we partner with.
3. You meet them directly. There's no obligation.

Frequently asked questions

Do you manage investments or sell insurance?

No. Physician Planning Partners isn't a registered investment adviser, broker-dealer, or insurance agency. We introduce independent, licensed professionals.

Should I buy into my group's ASC?

It depends on the terms, the center's performance, and your goals. A financial professional and CPA can help you evaluate the decision.

When should I review my disability coverage?

Many surgeons review it when their income rises or they change jobs. A licensed professional can explain your options.

What does the introduction cost?

Nothing. We may receive compensation from partner businesses, as described in our disclaimer.

Physician Planning Partners is an introduction service, not an investment adviser, and this page is general information, not financial advice. See our disclaimer.