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The Resident-to-Attending Financial Transition Program
The Resident-to-Attending Financial Transition Program
Get your financial foundation right during this critical transition—so you can build wealth instead of wondering where the money went.
Get your financial foundation right during this critical transition—so you can build wealth instead of wondering where the money went.
Who is This For?
Who is This For?
You're a resident or early-career attending physician and:
You're carrying significant student loan debt and aren't sure whether to aggressively pay it off, pursue forgiveness, or refinance
Your income just jumped (or is about to) and you don't know how to manage the transition without making expensive mistakes
You want to start investing and building wealth but don't know where to begin or who to trust
You're worried about lifestyle inflation eating away your attending salary before you even build a foundation
You want a clear, personalized financial plan—not generic advice that doesn't fit your situation
The Problem
The Problem
Most new attendings make expensive mistakes in their first year—aggressive lifestyle inflation, wrong loan repayment decisions, bad insurance choices, mediocre investment advice from commission-hungry "advisors."
Five years later, they're still stressed about money despite the big salary.
You don't have to be that doctor.
The Solution
The Solution
The 6-Week Program
6 Weekly 1-on-1 Coaching Sessions (60 minutes each)
Week 1: Financial Assessment & Priority Setting
We map out where you are now, identify what's keeping you up at night, and set your top 3-5 financial priorities for the next 12-24 months.
Week 2: Cash Flow Mastery
Build a sustainable spending plan that lets you enjoy your life without the guilt or confusion about where your money is going. No restrictive budgets—just clarity.
Week 3: Debt Strategy
Create your personalized student loan repayment plan. We'll look at income-driven repayment, forgiveness programs, refinancing options, and whether to aggressively pay down loans or invest instead.
Week 4: Insurance & Risk Protection
Get the right coverage without overpaying. We'll review disability insurance, term life insurance, and help you avoid the expensive whole life policies that get pushed on physicians.
Week 5: Investment Education & Getting Started
Learn the fundamentals of retirement account investing, understand asset allocation concepts, and how to evaluate your options. Plus how to avoid high-fee advisors and understand what good investment strategy looks like.
Week 6: Your First-Year Attending Roadmap
Pull everything together into a written, actionable plan for your first 12-24 months as an attending. You'll know exactly what to do, when to do it, and why.
You'll Also Receive:
Email support between sessions for quick questions
Personalized worksheets and planning tools
A written financial roadmap document you can reference anytime
Clarity, confidence, and peace of mind about your financial future
Why Patterson West Financial?
Why Patterson West Financial?
I spent 19 years working in the Financial Aid industry, 14 years as a Director of Financial Aid, working exclusively with medical students and residents. I've helped hundreds of physicians navigate student loans, budgeting, and the financial transition from training to practice.
I'm not a salesperson trying to sell you products. I'm a Certified Integrative Wellness Coach and financial educator who understands both the numbers and the stress that comes with them.
This program combines financial strategy with behavioral coaching—because knowing what to do and actually doing it are two different things.
Ready to Get Started?
Ready to Get Started?
Schedule a free 20-minute consultation to see if this program is right for you. We'll discuss your biggest financial concerns and determine if we're a good fit.
Schedule a free 20-minute consultation to see if this program is right for you. We'll discuss your biggest financial concerns and determine if we're a good fit.
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