Case #015 • Changing Employers | Transition A physician giving notice at a hospital system usually has one number on her mind: the balance in her 403(b). It has been building for nearly five years and is, by a wide margin, the largest account shown on her statement....
Case #014 • Year-End Tax Planning | Taxes In January, a physician reviews what the coming year is expected to look like. Her base salary should be approximately $325,000, call pay may add another $15,000, and a small consulting arrangement is expected to generate...
Case #013 • Catch-Up Contributions The rules for catch-up contributions in 2026 can create unexpected decisions for employees age 50 and older, particularly when higher contribution limits and Roth requirements intersect. In January, a physician who will turn 60 in...
Case #012 • Retirement Contributions In January, a 47-year-old physician logs into the hospital’s payroll system and sets her 403(b) contribution percentage. Based on her expected compensation, the percentage appears sufficient to reach the annual employee-deferral...
Case #011 • Benefits Enrollment Decisions A physician opens her annual benefits enrollment portal between appointments. She and her spouse have two children, and the family has used the same health plan for several years. The familiar plan now costs $720 per month for...
Case #010 • Financial Decision Follow-Through Why This Matters It is common to agree with a piece of financial advice, intend to act on it, and never fully carry it out. A retirement contribution was supposed to increase. A bonus was supposed to go somewhere specific....
