Comprehensive wealth management and protection for physicians at every stage — from residency to retirement and everything in between.
Residency2Retirement was built around one truth: the financial system was not designed with physicians in mind. Your income curve is inverted. Your student debt is massive. Your career-ending risk is real. We built everything around solving that.
Every strategy filtered through one lens — what's genuinely best for the physician at this stage of their career.
We tell you exactly what you're buying, what it costs, and why. No hidden agendas, no conflicted incentives.
Not here for a transaction. Your financial partner from day one of residency to the day you retire.
You're not a case file. We know your specialty, your income curve, your family, and your goals.
From disability and life insurance to wealth management, retirement, tax strategy, and practice-level financial architecture.
Your ability to practice your specialty is worth millions. Own-occupation DI protects that specific ability — so you're covered even if you can work in another field.
Whether you need affordable term coverage to protect your family or permanent life insurance as part of a larger wealth strategy, we build the right structure for your stage.
From Backdoor Roth IRAs to tax-efficient portfolio construction, we build investment strategies that match the unique physician income trajectory.
Business continuity, buy-sell agreements, key-person insurance, S-corp elections, and succession planning for practice owners.
From medical school to retirement — we understand every financial inflection point and have the right strategy for each one.
Lock in DI coverage at student rates before any diagnosis affects your insurability for life.
The most critical window for disability coverage. Preferred rates before your income and risk multiply.
Your income just multiplied. Protect it comprehensively and begin building serious wealth immediately.
Backdoor Roth, tax-efficient investing, estate protection — maximizing every dollar at peak earning power.
Business continuity, buy-sell agreements, key-person insurance, and succession planning.
Tax-efficient drawdown, legacy planning, and portfolio protection for your final chapter.
Christine specializes in disability insurance and income protection for physicians. Her passion stems from a deep understanding of the sacrifices physicians make — and the financial vulnerabilities they carry throughout their careers.
Shiv is a comprehensive financial strategist working with attending physicians and practice owners to build lasting wealth. Known for translating complexity into clear, actionable plans.
"As a PGY-3, I had no idea how critical own-occupation DI was. They walked me through everything and got me insured before graduation."
"Between tax savings and life insurance structuring, I'm saving over $30K a year. The CPA referral alone was worth everything."
"Finally an advisor who speaks our language. It felt like talking to a colleague, not a salesperson. I refer every physician I know."
Your ability to practice your specialty is worth millions. Here's exactly how to protect it.
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A personalized quote for disability insurance, life insurance, and wealth management — built around you.
We built Residency2Retirement because physicians deserve better than a generalist financial advisor retrofitting standard templates to their extraordinary careers.
Christine brings deep expertise in physician financial planning with a focus on disability insurance and income protection. Her passion stems from a personal understanding of the sacrifices physicians make.
She specializes in guiding residents and early-career attendings through the critical decisions that define their financial futures.
Shiv is a comprehensive financial strategist who works with attending physicians and practice owners to build lasting wealth.
Known for translating complex financial concepts into clear, actionable strategies — and for building long-term relationships that go far beyond a single policy.
Articles and videos on disability insurance, life insurance, wealth building, and financial planning.
The backdoor strategy is perfectly legal and incredibly powerful.
Read More →The answer isn't as simple as "buy term and invest the rest."
Read More →One diagnosis can lock you out of preferred rates forever.
Read More →Benchmarks for every career stage.
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Read More →Zero-down, no PMI, and favorable student loan treatment.
Read More →Your finances are too complex for a generalist. We connect you with professionals who truly understand the physician experience.
We're always growing our network with professionals who truly understand the physician client.
A physician-specialist advisor will prepare a personalized analysis and reach out within 1 business day.