Financial Education for Residency & Fellowship Programs

At Aether Financial Group, we believe that financial education is a key component of professional success, especially for physicians navigating the demanding years of residency and fellowship. We frequently hear from residents, fellows, and even attendings that they feel unprepared to manage their finances—particularly as they transition to attending roles where financial stakes rise significantly.
This transition period is critical. It’s your opportunity to establish strong financial habits that not only position you for long-term success but also allow you to responsibly enjoy your hard-earned income without financial stress. Our goal is to equip physicians with the knowledge and confidence to make informed financial decisions, helping them build a strong foundation for financial well-being.

Core Program Structure

Our financial education series typically includes one to two sessions per year, either in-person or virtual. These sessions are structured as open discussions where residents and fellows can ask questions, voice concerns, and receive guidance on the topics most relevant to them.
For programs looking for more in-depth education, we also offer deep-dive sessions on specific financial topics, including:
◊ Student Loans – PSLF, SAVE plan, refinancing vs. loan forgiveness strategies
◊ Saving & Investing for Retirement – 401(k), Roth IRA, investment strategies for physicians
◊ Taxes & Tax Strategy – Understanding tax brackets, tax-efficient investing, and retirement tax strategies
◊ The Financial Waterfall – How to prioritize saving and investing with limited income
◊ Risk Management & Insurance – Why disability, life, and liability insurance matter for physicians
◊ Navigating the Transition to Attending – Contract pitfalls, W-2 vs. 1099, and avoiding lifestyle creep

Our Approach to Financial Education

We understand that financial topics can feel overwhelming, so our approach is designed to be engaging, practical, and highly relevant to the realities of medical training.
◊ Discussion-Based, Not Lectures – We prioritize interactive conversations and real-world applications, often incorporating whiteboarding and real examples over slideshows.
◊ Customized to Your Residents & Fellows – Each session is tailored to address the specific concerns and needs of your program.
◊ Unbiased & Sales-Free – While we specialize in financial planning, these sessions are strictly educational. Our priority is to provide clarity, not to sell services.
◊ Deep Experience in Physician Finances – With years of experience working with medical professionals, we understand the unique financial challenges that come with residency, fellowship, and beyond.

Interested in Bringing Financial Education to Your Program?

If you’re interested in scheduling a session for your residency or fellowship program, we’d love to collaborate. Whether it’s a single session or a structured financial education series, we can tailor a program that fits your needs.
Get in touch with us today to explore how we can support your residents and fellows with clear, actionable financial guidance.