Financial advisors who understand orthopedic surgery economics.
ASC investments, partnership buy-ins, subspecialty income dynamics, malpractice tail, hospital-vs-private decisions — matched with advisors who work with orthopedic surgeons every day.
Orthopedic finances aren't generic physician finances
You earn more than almost any other medical specialty — $600K-$1.5M+ depending on subspecialty and practice model. Your biggest wealth lever isn't your W-2: it's whether you own a piece of the ambulatory surgery center where you operate. A generalist physician advisor doesn't model ASC distributions, doesn't know spine subspecialty comp dynamics, and won't catch that your $80K malpractice tail is the 5th-largest line item on your practice exit.
- ASC ownership. Surgeon-owned ambulatory surgery centers produce $300K-$1M+ in annual distributions for partners. The buy-in decision is the single highest-value financial choice of most ortho careers.
- Subspecialty income curves. Spine → highest. Pediatric → lowest. Sports → variable with procedural mix. Your subspecialty choice shapes a 30-year trajectory.
- Hospital vs private partnership. Hospital guarantees $600-700K day 1. Private partnership starts lower but 5-year comp often 40-70% higher, plus ASC equity.
- Malpractice tail coverage. $50-150K hit on practice transitions. Some partnership structures require you to fund your own tail; hospitals usually cover.
- Tax stacking for high earners. Solo 401(k) + cash balance plan + defined benefit can hit $250-400K/yr of tax-advantaged savings for late-career surgeons.
Tools & guides
Ortho Total-Comp Calculator
Compare hospital W-2 vs private partnership vs private + ASC across a 10-year horizon.
Financial Planning for Orthopedic Surgeons
Full-career guide: fellowship through partnership through exit.
Private Practice vs Hospital Employment for Orthos
Detailed 10-year comparison with real numbers.
ASC Ownership: The Orthopedic Wealth Lever
How ambulatory surgery center equity works, what a buy-in costs, and how distributions are structured.
Malpractice Tail Coverage for Ortho
What tail coverage costs, why ortho-specific claims tails are long, who should fund what.
Get matched with an ortho-specialist advisor
Tell us your subspecialty and situation. We'll match you with a fee-only advisor who works with orthopedic surgeons. No fees, no obligation.