For Physicians
You've built a career around precision. Your financial plan should meet the same standard.
Radiant provides specialized wealth management for physicians navigating the financial complexity of medical careers — across institutional plans, personal accounts, and everything in between.
Career Timeline
Financial guidance across your entire medical career.
Residency & Fellowship
Building your foundation during the leanest years, from loan strategy to disability coverage.
Early Attending
Setting the trajectory while your income changes dramatically.
Mid-Career
Navigating peak earning and peak complexity across practice ownership, tax strategy, and asset protection.
Pre-Retirement
Transitioning out of clinical work while the financial decisions multiply.
In Retirement
Managing the shift from earning to spending, with precision.
Residency & Fellowship
The standard financial advice doesn't fit.
The right decisions during residency compound for decades — but almost none of the conventional wisdom applies to your salary, loan balance, and timeline.
- PSLF and income-driven repayment planning
- Own-occupation disability insurance before you become uninsurable
- The rare window where Roth contributions are an obvious choice
- Physician mortgage programs and realistic budgeting on a resident salary
Radiant Wealth Management's role with respect to fixed insurance is limited to review and planning. Recommendations and sales of fixed insurance or annuity products are conducted through a separate Fixed Insurance Business outside business activity (OBA).
Early Attending
The savings rate you set now is the one you'll likely keep.
Your income just changed dramatically. The next two years set the trajectory for the next twenty.
- Retirement plan structure across 403(b), 401(k), and 457(b)
- 457(b) availability at academic medical centers — and the creditor risk that comes with non-governmental plans most physicians don't realize they're carrying
- Backdoor Roth IRA execution and the pro rata rule
- Malpractice tail coverage — what your contract actually says
- Buy-in offers, partnership tracks, and practice ownership decisions
Mid-Career
Peak earning. Peak complexity.
This is where financial planning for physicians gets genuinely complicated — and where generic advice breaks down entirely.
- Cash balance and defined benefit plans stacked on top of a 401(k)
- 457(b) coordination with the 401(k) — roughly doubling sheltered income, with an irreversible distribution election at separation that has to be modeled years before you leave
- Asset protection through entity structure and creditor-protected accounts
- Practice valuation, equity, and succession planning
- Tax strategy across 1099 income, multi-state filings, and charitable giving
Pre-Retirement & Practice Transition
Clinical hours come down. The financial complexity does not.
The transition out of full-time practice brings a new layer of irreversible decisions.
- Practice sale structure, earn-outs, and restrictive covenants
- Deferred compensation distribution timing
- Medicare enrollment deadlines and IRMAA exposure
- Social Security claiming strategy after decades of high income
In Retirement
The transition from earning to spending requires the same discipline that got you here.
Drawing income in the right order determines how long your wealth lasts and how much goes to taxes.
- RMDs under SECURE 2.0, charitable QCDs, and the Roth conversion window
- Estate planning through trusts, gifting, and business succession
- Medicare supplements, long-term care, and IRMAA management
- Consulting, expert witness work, and board roles on your terms
and physicians from
Listing of these institutions does not constitute an endorsement of Radiant Wealth Management by them.
Our Team
Work with Dan and his team.
Dan Fagan has advised faculty and physicians at Yale, Brown, UConn and other leading institutions over 30 years. His book, Getting to Emeritus, will be published by Johns Hopkins University Press in August 2026.
Working with Dan and His Team
Dan Fagan, MSPFP, MPAS™, AIF®
Managing Partner, Advisor
John Caplan
Partner, Advisor
Frequently Asked Questions
Common questions.
We offer three ways to engage: hourly planning for specific questions, a flat-fee comprehensive financial plan, and ongoing wealth management based on assets under management. We are happy to walk through which option fits your situation in an initial conversation. There is no cost or obligation for that first call.
We are a fee-only firm. We do not earn commissions or receive compensation from financial products. We are paid directly by clients — either hourly, through a flat project fee, or as a percentage of assets we manage. This structure keeps our interests aligned with yours.
It does not have to be. We handle the paperwork and coordination involved in transitions and are happy to walk you through what that process looks like for your specific accounts. Many clients also start with a one-time planning engagement before deciding whether to transition fully.
Yes. We work virtually with clients across the country. Most of what we do works well over video or phone, and we are set up to serve faculty regardless of where their institution is located.
We plan at the household level. We look at your combined income sources, accounts, pension benefits, and Social Security to build a picture of what retirement actually looks like for both of you together. Coordinating two different benefit structures is a routine part of what we do.
Let's talk about what's next.
Schedule a conversation to see how Radiant can bring clarity to your financial life — with the rigor you'd expect.
- Planning built around academic and medical careers
- Tax, estate, and investment strategies working together
- A dedicated advisor who understands your world
- Transparent fees with no product commissions
Prefer to speak directly? Skip the form and book a call now.