Financial education built for physicians — from residency to retirement.
Interactive modules, board-style practice questions, and a full article library on everything training skipped. The first lesson of every module is free to read, and Premium opens the rest. When you are ready to apply a lesson, the dashboard tracks your PSLF, paycheck, and net worth against it.
No credit card · Read-only Plaid connection · Fee-only, no commissions · Your data is never sold
Apply what you learn
The dashboard tracks what the curriculum teaches.
Every lesson has a place to land — PSLF payments, paycheck withholding, net worth. Illustrated with sample numbers; your real picture, once you connect.
Your net worth, at a glance
Every account — assets and debts — resolved into one number that moves as they do, with a six-month trend and year-to-date change. The category breakdown (retirement, brokerage, cash vs. mortgage, loans) is available on the Premium tier. Your Financial Wellness Score lives just below it.
Figures shown are illustrative.
The curriculum — free, no paywall
The financial education medical school skipped.
Interactive modules built the way you learned medicine — concept diagrams, definitions on tap, high-yield emphasis, and self-checks. Written by a physician, for the decisions physicians actually face.
An actual Money Foundations lesson — concept diagrams, tap-to-define terms, high-yield emphasis, and self-checks. Not a wall of text.
20 interactive modules. Every one free.
20 modules · 162 lessons · 208 minutes of curriculum — free forever, plus in-depth articles below.
From the library
The reading they didn’t give you in residency.
In-depth pieces on PSLF, contracts, and the decisions that compound across a physician’s career — written and reviewed by physicians, free to read.
The whole picture
Four numbers most physicians track in four places. Here they live in one.
Net worth
Every account — assets and debts — resolved into one number that moves as they do.
No more adding up a 403(b), student loans, and a brokerage in your head.
PSLF progress
Your qualifying-payment count and forgiveness projection, tracked month to month.
Including through employer changes, IDR switches, and deferments — the moves that reset most physicians’ counts.
wRVU & contract pacing
Your production tracked against your contract thresholds in real time, all year.
So the year-end bonus is a number you watched build — never a surprise.
Tax-advantaged space
401(k), 403(b), backdoor Roth, and HSA room measured against this year’s limits.
The most consistently missed money in physician finance.
The dashboard pulls these passively through a read-only Plaid connection on Premium. The Free membership gives you the manual-entry tools — so you can see how all of it works before you connect an account or pay anything.
We work for you. Here’s what that means in practice.
The most expensive advice is the kind you never see itemized. A 1%-of-assets fee is charged every year — in up markets and down — and compounds against the very balance you’re trying to grow. The structure below is why we never charge it.
How they make money
Traditional advisors
Commissions, product sales, and a percentage of the assets they manage for you.
Attending Financial
We only make money when you subscribe.
The conflict
Traditional advisors
They earn more when you buy the products they recommend.
Attending Financial
We have nothing to sell you but the software.
Your data
Traditional advisors
Often shared, sold, or used to market more products to you.
Attending Financial
Never sold.
Medical literacy
Traditional advisors
Generic high-earner advice that ignores PSLF, RVUs, and physician contracts.
Attending Financial
Built around physician income, PSLF, RVUs, and contracts.
This describes common industry incentive structures, not the conduct of any specific firm or individual.
One percent of what, exactly?
Not of your income — of everything you have, every year, including the growth of the dollars it already took. Move the fee and watch what it costs.
What that fee costs you
$877,405
Over 30 years, a 1.00% fee on your assets leaves you with $3,807,618 instead of $4,685,023. You are never invoiced for the difference.
29
years of your own contributions, at $30,000 a year
19%
of the portfolio you would otherwise have ended with
$29,247
a year, on average, across the whole horizon
Nominal returns, compounded annually, with no market variance and no taxes. Real returns are never a straight line. This is a cost calculator, not investment advice, and not every advisor charges a percentage of your assets.
Am I paid fairly?
Check your specialty’s national pay benchmark — free, no signup.
Public aggregated data. No email, no signup — pick your specialty to see the national median.
Aggregates only — physician-contributed, recruiter-free. No individual is ever shown.
Your work-optional date.
Three inputs. A directional read on your financial independence horizon. No signup required.
Calculate yours →Bring what you already have
Already track it in a spreadsheet? Paste it once. Never open it again.
No templates required. Drop your current tracking sheet exactly as it is — any columns, any order. The AI reads it into clean, typed accounts you can track from then on.
You review every row before anything is saved. Part of the Premium tier.
What you get
The questions physicians actually need answered.
Know whether you’re underpaid before your next contract renewal.
Compensation context by specialty, drawn from public aggregated data and verified physician submissions.
See whether PSLF is worth $0 or six figures in your specific situation.
Your payment count, employer eligibility, and a forgiveness projection — tracked month to month.
Never leave employer match or tax-advantaged space on the table again.
401(k), 403(b), backdoor Roth, and HSA room tracked against the current-year limits.
Watch your net worth update automatically as your accounts move.
Assets and debts in one place, refreshed through secure Plaid connections.
AI advisor
Ask the questions you'd usually pay an advisor by the hour for.
Your AI advisor doesn't just talk — it runs the math on your actual numbers and checks current rates and rules before it answers. Ask things like:
Am I underpaid for my specialty and region?
Does PSLF or refinancing make more sense for my loans?
Am I using all my tax-advantaged space this year?
Why does my paycheck look so different from my contract salary?
How much house can I realistically afford on my contract?
AI Advisor — Example Response
I earn too much for a Roth IRA. Can I just do a backdoor Roth?
You can — but check your pro-rata exposure first. The IRS pro-rata rule (IRC §408(d)) treats every traditional, SEP, and SIMPLE IRA you hold as one pool when you convert. If you still have a $50,000 rollover IRA from residency and convert a $7,000 nondeductible contribution, only about 12% of that conversion comes out tax-free — the rest is taxed. The usual fix is to roll the $50,000 into your employer 401(k) first, then convert the $7,000 cleanly. Most people do the conversion without checking this and owe tax they did not expect.
Illustrative example. Once your accounts are connected, the answer uses your real balances.
Attending Financial's AI provides education and information to help you understand your own finances. It is not personalized investment, tax, or legal advice.
Your questions use your actual connected numbers — not generic examples.
Create Free Dashboard →Learn it. Track it. Ask anything.
Learn it
Start with a 5-minute lesson on the money decision in front of you — PSLF, your first contract, what really comes out of your paycheck. The first lesson of every module is free to read.
Track it
Your net worth, PSLF payment count, wRVU pacing, and tax-advantaged space — pulled from your accounts through a read-only Plaid connection, or entered by hand. No credit card.
Ask anything
Ask the AI advisor about your situation. It runs the math on your actual numbers and checks current rules — not generic examples.
No sales call. No appointment. No upsell. Your numbers, your questions.
Built for physicians · Free to start
Stop flying blind. Start with the numbers.
No invented testimonials, no inflated user counts — just what the platform actually gives you on day one.
12,000+
Institutions you can connect via Plaid
28
Specialties in the pay lookup
20
PSLF failure-modes the Guardian checks
4
Core numbers, unified in one dashboard
$0
To start. No credit card.
100%
Fee-only. No commissions, ever.
Free membership, no expiry · No credit card
Pricing
One membership. The whole curriculum, and the tools that apply it.
Premium is one membership at one set of capabilities. The resident and student prices exist because a training salary is a training salary — not because the product is smaller.
The standard financial advisor charges 1% of assets under management — every year, in up markets and down. On a $500,000 portfolio, that’s $5,000 a year. Attending Financial is $149 a year, and we have nothing to sell you.
Free
$0
No card, no expiry
The first lesson of every module, and the tools to start.
- ✓The first lesson of every module — all 20
- ✓The flagship articles, start to finish
- ✓Every other article opens to its first 30%
- ✓25 question-bank questions
- ✓Manual tracking dashboard — up to 3 accounts
- ✓PSLF timeline
- ✓Refinancing, moonlighting, and paycheck calculators
- ✓3 AI advisor questions included
- ✓1 contract analysis a year
- ✓No ads. No data selling. Ever.
Premium
$149/year
or $16/month
about $12 a month
vs. ~$5,000/year for a traditional 1%-AUM advisor
The whole curriculum, and the tools that apply it.
- ✓Every lesson in all 20 modules
- ✓The complete article library and question bank
- ✓Plaid auto-sync — accounts refreshed nightly
- ✓Live net worth, retirement pacing, and PSLF alerts
- ✓wRVU & contract pacing
- ✓Tax-advantaged space tracking
- ✓Unlimited AI advisor
- ✓Household planning and multi-state tax intelligence
- ✓Real estate / private equity ledgers
- ✓10 contract analyses a year
- ✓Priority support
30-day money-back guarantee
If it's not useful in the first 30 days, email us and we'll refund you.
Premium, monthly — $16/month
The same membership, billed month to month.
Priced for training
Resident and fellow
$79/year
about $7 a month
Full Premium, priced for a training salary.
For physicians in residency or fellowship. Requires your NPI and a confirmation that you are currently in training.
Continue — Resident and fellowMedical student
Free
The whole curriculum, free while you are in school.
For students at an accredited medical school. Requires a school email address, confirmed once a year.
Continue — Medical studentCancel anytime. No tier is tied to your career stage except the two priced for training.
Compare all features →For residency programs
Give your whole class the financial education they never got — free.
Send us your roster; we enroll every resident and email them a sign-in link. Nothing to maintain.
Read the first lesson of every module. Decide from there.
A free account also gets you the tracking dashboard. Connect your accounts when you’re ready — or explore with sample numbers first.
Create Free Dashboard→One article. One decision. Tuesday mornings.
The week’s most useful physician-finance article, in your inbox. That’s the whole deal — unsubscribe any time.