Heads up if you took new federal student loans after July 1. Those may not get IBR, PAYE or ICR anymore. New options are RAP and a tiered standard plan (per the AMA). Your payment may change, so ask your lender how they'd count it. Terms may vary by lender.

Hi, I'm Dr. Nancy Yen Shipley, an orthopaedic surgeon in Portland. I help people keep their joints healthy for the long haul, without rushing to surgery. Joint preservation, regenerative medicine, and care that treats the whole person, not just the painful joint. You don't need to be a pro athlete to get pro-level care. Getting back to work, lifting your grandkid, your Saturday hike: whatever you want to do with your day is your pro sport. I started in orthopaedics when only 6% of us were women. I've been doing it my way ever since.

Own your practice and you don't have a job. You have a hobby that pays you. 2 years in. Still feels that way.

One of the biggest values I provide to medical professionals isn’t necessarily tax savings. It’s accountability. Physicians, dentists, and other medical professionals are busy taking care of patients and running their practices. Tax planning isn’t always top of mind. That’s where I come in. I remind them to make estimated payments, follow up on retirement contributions, revisit projections when income changes, and make sure planning recommendations actually get implemented. Sometimes the strategy isn’t complicated. The challenge is execution. A good tax advisor doesn’t just tell you what to do. They help make sure it gets done. That’s an underrated part of proactive tax planning.