A Lifetime of Advice for Medical Professionals

Being a doctor is what you do. Being human is who you are. We understand the demands of healthcare—and we can help you plan for the life you want beyond it.

 

Talk with an Advisor

Trusted by Medical Professionals for Decades—Because Experience Matters

Since 1989, we’ve worked alongside doctors. dentists, and medical professionals through complex careers, evolving priorities, and high-stakes decisions.

600+

Medical professionals*

37

Years serving clients

33

States served*

*All data as of 1/1/2026

Life Stages & Considerations for Doctors and Medical Professionals

From student debt to practice ownership, independence, and retirement, we can help you navigate each life and career stage with clarity, confidence, and intention.

 

Residency

We help you avoid costly mistakes and get started on the right foot.

We’ll provide experienced guidance in tackling debt, aligning cash flow with priorities, securing the right insurance, and more.

 

Build a Foundation of Wise Financial Choices

Understand repayment options, evaluate Public Service Loan Forgiveness (PSLF), and structure a payoff strategy that aligns with your lifestyle.

 

The To-Do List for the Next 12 Months
Resource
The To-Do List for the Next 12 Months
  • Foster Group
  • 04/09/25

Graduate from Medical School

Graduate from Medical School

Suddenly, you have income—how do you balance paying down debt, building wealth, purchasing a home, and more?

end of residency

end of residency

The end of residency signals the start of what you've been working so hard to achieve. Do you have a plan for navigating student loan repayment options, contract benefits and mapping upcoming wealth accumulation?

Read: Doctors Overlook These Five Contract Areas at Their Own Peril

Early-to-Mid- Career

 

 

Navigate Growth Without Losing Control

As income and responsibility grow, so do the stakes. Practice ownership, increasing assets, and growing complexity require a coordinated strategy. Do you have an intentional wealth building strategy—or is your planning fragmented and reactive?

 

Five Investments Fundamentals Every Physician Should Know
Resource
Five Investments Fundamentals Every Physician Should Know
  • Foster Group
  • 04/09/25

Post Residency

Post Residency

Know how and when to negotiate your salary. Establish a strong baseline for future growth.

Read: Doctors Overlook These Five Contract Areas at Their Own Peril

Early Career

Early Career

We guide you through the myriad of retirement and wealth accumulation options to create a plan that's uniquely yours.

Read: Mega Backdoor Roth IRAs: What You Should Know

Imagine being relaxed about your finances -- and on track to retire in your 50s!

Protection is a key component of any financial plan. Enjoy peace of mind, knowing that your family, income, and assets are properly and efficiently insured.

Read: Basics of Disability Insurance

Mid Career

Mid Career

We help you map and achieve your goals -- from buying a first or second home to traveling the world, enjoying time with your family, and more. What would you like to do?

Read: The Second Home: A Different Kind of “Bond” Investment

Significant income creates both opportunities and responsibilities. We'll help you see and understand your options.

Confidence is being ready to retire on your own terms. When you want to.

Financial Independence & Retirement

 

 

Enter Your Favorite Chapter

Confidence is being ready to retire on your own terms. When you want to.

A Doctor’s Financial Guide to Retirement—Your Top Retirement Questions Answered
Resource
A Doctor’s Financial Guide to Retirement—Your Top Retirement Questions Answered
  • Foster Group
  • 04/01/25

post debt

post debt

After moving through the debt phase, you may begin to consider diversifying into non-financial assets like farmland, second homes, collector cars, or rental properties. We can help you navigate these decisions with confidence.

Late Career

Late Career

How do you feel about generosity? Are you considering financial support for people and causes you believe in?

Now may be a good time to review your estate and retirement plans. Are your beneficiaries up do date? Have you planned for the possibility of long term care? Are your insurance and legacy plans locked in?

Read: Don’t Get Into A “Rut” with Estate Planning! Three steps for Better Outcomes.

Nearing retirement

Nearing retirement

New business ventures or alternative investments may pique your interest. We can help you make better informed decisions.

If you are an owner or part-owner of a clinic, you may be eligible for significant, tax-advantaged retirement options. Do you have a cash balance plan?

Are you on track to retire debt-free?

Retirement

Retirement

For some, happiness in retirement means continuing to serve. Are you thinking about community engagement, traveling with purpose, or donating your time and talent?

Investing in long-term care (LTC) lets you retire with greater peace of mind.

Read: Planning Around Long Term Care Expenses

What Doctors Say About Working With Foster Group

Foster Group’s expertise has been essential to our financial lives throughout medical school, residency, and as we approach attendinghood. We have been pleased with the financial growth and stability we have experienced since transitioning to Foster Group, and I recommend them to anyone, physician or not.
— Dr. Aaron H. - Emergency Medicine
The advice to “live like a resident” for a couple years after residency and save 20% of your income for retirement the day you leave residency can only provide so much support. Foster Group has provided the detailed infrastructure and scaffolding to map onto the vague guidance I had received up to the point of working with them.
— Dr. Megan R.
Financial literacy is not prioritized or really touched upon in medical education, and working with my advisor and his team at Foster Group has been an exceptional experience. They helped build my portfolio while educating me greatly in the process, and they got to know me and my personal goals and adjusted strategy and planning appropriately. Very satisfied!
— Dr. Kunal M.
For nearly 30 years, from our early medical careers into retirement, Foster Group has been by our sides as trusted advisors and friends on our journey to financial well-being.
— Dr. Karen & Ken F.
Foster Group helped organize our family’s financial picture, ensure we had the right insurance in place, and restructured my practice’s 401(k) plan. They’ve also provided a clear, thoughtful plan to manage our family’s rapidly increasing income, giving us real confidence in our future."
— Dr. Michael H. - DDS
As one faces retirement and the inevitable aging process it has been wonderful having another set of eyes looking at our financial picture. I have enjoyed a growing relationship with the team at Foster Group. They are knowledgeable and friendly and my wife and I feel comfort in sharing our finances.
— Dr. Leo M.
My advisor at Foster Group has been an honest and reliable resource I’ve leaned on over the years to help guide me toward the right decisions and connect me with the right experts when needed. Especially when starting new financial ventures. Honesty is one of the most important traits I look for, and they have consistently demonstrated that.
— Dr. Jason L.

The testimonials displayed are made by persons who are or were clients of Foster Group, Inc. ("Foster Group") at the time of writing. Clients received no direct or indirect compensation for their comments.

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