Financial Planning for Physicians

Successfully navigate through your many financial options

The Baystate Financial Medical Division * (Baystate MD) was created to specifically address the unique challenges that face physicians and medical practitioners in today’s financial environment. We help medical practitioners, at all stages of their careers, plan for the financial future for themselves, their practice and their families.

Mid Career Practitioners: Breaking Through
Physicians have a distinct disadvantage in meeting mid-life financial demands because of delayed entry into the workforce. Doctors are challenged to pay down hefty student loan debt while making up for the earning-time gap. They need expert financial advice to cover mid-life household expenses and avoid a major shortfall at retirement.

Working with Baystate Financial, mid-career doctors can develop detailed cash-flow plans, formulate strategies to maximize after-tax returns on their investments and monitor their continual progress.

Late Career Practitioners: Meaningful Wealth
Doctors nearing retirement prefer to have a firm grasp of the financial and tax implications of winding down their careers, as well as estate planning and securing adequate resources to enjoy a comfortable retirement. Making realistic assumptions about the future is a key attribute of a quality long-term retirement plan.

 *   Baystate Financial Medical Division (Baystate MD) is a division of Baystate Financial.  MML Investors Services, LLC and Baystate Financial are unaffiliated with PIAM and the Massachusetts Medical Society. Neither MML Investors Services, LLC, nor any of its employees or agents are authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters.

Have you had your financial check-up?
The team at Baystate MD offers a variety of financial planning and management services specifically geared to the medical professional and can custom tailor a plan to meet your individual needs.
Physicians often start making “real money” in their mid-30’s, just about the time you needed to buy a house, pay off student loans and cover the cost of childcare.  A good financial planner for doctors can help you start earlier and save more so that you don’t find yourself burned out and wishing you had put away more money earlier in your career. At Baystate Financial we’re more than professional... we are proactive. We understand the demands of practicing medicine and raising a family, and we know “financial stuff” can slip through the cracks unless somebody makes it a priority. That “somebody” is us.
Contact BaystateMD @ 617-585-4500 to meet with an advisor.

Introducing Baystate Financial
Guiding you every step of the way


Taxes, insurance, investments… and student loans. Financial “stuff” can be overwhelming, so how do you make sense of it all? Step by step, your BaystateMD Advisor walks you through the process of getting organized, setting goals, making a plan and taking action to get on track for financial security.

We know doctors don’t keep banker’s hours, so we make sure we’re available when you are: early mornings, lunchtime, evenings and occasionally weekends.
Contact BaystateMD at 617-585-4500 to learn more.

View the MassMedical/PI website showcasing Baystate Financial
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Personal attention from experienced professionals.  Baystate Financial.

200 Clarendon Street, 19 & 25th Floors

Boston, MA 02116

Additional Locations
MA: Boston,  Holyoke, Marshfield, Osterville, South Dennis, Southborough, Wakefield, Wellesley

           CT:  West Hartford,  Westport• ME: Falmouth • VT: Colchester
NH: Exeter, Nashua • RI: Warwick, East Providence


© Copyright 2020 Baystate Financial.  All Rights Reserved.

We embrace diversity and do not discriminate on the basis of race, creed, sex, national or ethic origin, sexual orientation, gender identity, disability or family structure.

This content cannot be copied without express written consent of Baystate Financial.  Guidance. Insight. Results. is a registered trademark of Baystate Financial and may not be duplicated. Securities, investment advisory services and financial planning offered through qualified registered representatives of MML Investors Services, LLC  (member SIPC) and a registered investment advisor. Supervisory office: 200 Clarendon St., 19th & 25th Floors, Boston, MA 02116;   Ph: 617-585-4500. Baystate Financial does not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.    Member FINRASIPC  CRN202301-276425