Twelve-plus years of medical school, residency, and fellowship. A career spent healing others. And a financial system that was never designed with your reality in mind. This is the diagnosis no one in medicine has been honest enough to give you — six retirement crises, converging right now, confirmed by data.
Tap each one to see how it's affecting physicians right now.
12+ years of training delays your peak earning years — and the compounding time you lose in your 20s and early 30s is difficult to ever fully recover.
$250,000+ in average debt silently eats into the exact years your money should be compounding the hardest.
Fixed 401(k) limits protect only an estimated 3–5% of a physician-level income — the rest sits without a tax-advantaged home unless you build one.
Hospital systems and private equity have eliminated the practice equity retirement plan an entire generation of physicians was counting on.
68% of physicians want to leave medicine — and most can't afford to, because the financial foundation to do so was never built.
Large pre-tax balances built during high-earning years eventually become forced RMDs — hitting your tax bracket, IRMAA, and Social Security taxation all at once.
This is a diagnosis, not a projection of your specific situation. A strategy session goes through where you personally stand on each of these.
This presentation was built specifically for physicians — not adapted from a generic financial plan. From Loudoun and Fairfax to Richmond and Henrico to Lynchburg and Danville, and across every state Lee is licensed in, this applies regardless of specialty.
If your practice was acquired by a hospital system or private equity, the retirement plan built around eventual practice equity may no longer exist — and needs a replacement.
If you're already maxing your 401(k) and still feel exposed, the contribution cap is very likely the reason — the majority of your income has nowhere tax-advantaged to go yet.
That's not a spending problem — it's the late start, the debt burden, and the contribution cap compounding against you simultaneously.
The golden handcuffs crisis — a real financial foundation is what turns "can't afford to leave" into an actual choice.
A physician-specific plan needs to do more than a standard retirement account was ever built to do.
Funding a 35-year retirement at a physician lifestyle level, when most standard plans were only built to last 20.
Structures that shelter and grow income beyond what a capped 401(k) can protect, addressing the 3–5% gap directly.
Asset structuring that provides real protection from malpractice exposure — not just a standard malpractice policy and hope.
Roth conversion timing and tax-advantaged structures that address large pre-tax balances before RMDs force the issue.
"I don't sell products. I build protection systems. There is a difference."
— Lee Boone, Founder, Buckeye Financial LLC
12+ years of training delays peak earning years, which delays meaningful retirement contributions and compounding time — often by a decade or more compared to other high-income professions.
Contribution limits are fixed regardless of income, so a physician-level income can often only shelter an estimated 3–5% through a standard employer plan — the rest needs another vehicle.
Hospital systems and private equity acquiring physician practices have eliminated the equity-building and buyout path many physicians were counting on for retirement.
Large pre-tax balances from high-earning years eventually trigger large RMDs — pushing tax brackets, IRMAA, and Social Security taxation up simultaneously.
Asset structuring using vehicles offering more protection from creditor and judgment claims than a standard account, combined with appropriate liability coverage layered above malpractice insurance.
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