Financial Planning for Plastic Surgeons

A plastic surgeon's income often looks nothing like a salaried physician's. A long residency and fellowship can delay your earnings, and cosmetic revenue then rises and falls with seasons, the economy, and marketing results. Practice owners also put large amounts back into equipment, facilities, and advertising. Physician Planning Partners is an introduction service. We connect plastic surgeons with independent financial professionals we select to partner with.

Financial priorities common to plastic surgeons

• Managing uneven income. A cash reserve and a steady "owner's salary" can smooth out the gap between strong and slow months.
• Protecting your hands. Your income depends on fine motor skill. Own-occupation disability insurance, and checking it against your current earnings, is a frequent topic.
• Liability awareness. Elective cosmetic surgery carries malpractice exposure. A financial professional can work with your attorney and insurance agent to review your umbrella and other coverage.
• Reinvesting in the practice. Deciding how much to put into marketing, lasers, or an office OR versus saving for the long term.
• Catching up after training. Surgeons who start earning late often want to save aggressively in their first decade of practice.

What a financial plan often covers

1. Cash flow, reserves, and savings targets.
2. Disability, life, and liability insurance review.
3. Retirement plan design, coordinated with your CPA.
4. An investment approach that fits your goals and risk tolerance.
5. Student loan strategy.
6. Planning for an eventual sale of the practice.

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 surgeons or cash-pay practice owners do you work with?
• How are you paid, through flat fees, a percentage of assets, or commissions?
• How 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 money or sell investments?

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

Is own-occupation disability coverage worth reviewing?

Many surgeons review it because their income depends on operating. A licensed professional can explain your options.

I'm in my first years of practice. Is it too early?

No. Early decisions about savings, insurance, and loans often matter most.

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.