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Personal Finance for Physical Therapists
Take control of your finances as a PT
Student loans, retirement accounts and building wealth on a PT's salary, broken down by a DPT who went first. No cookie-cutter advice, no generic rules of thumb.
Start here
Pick your next step
Students, new grads and experienced clinicians are all welcome here! Wherever you're at in your career, there's a place to start.
Get your eval
A 1-on-1 Financial Eval & Treat session that maps your student loan options to your numbers and your career. Starting at $97.
See the consultsStart a Plan of Care
A 12-week, 1-on-1 program to help you completely take control of your finances, built around your goals.
How it works
Free tool
Debt Crusher Calculator & IDR Progress Tracker
See where you stand on your student loans and track your progress, whether you're paying them off in full or working toward forgiveness on an income-driven plan. Enter your email and it lands straight in your inbox!
- Debt Crusher Calculator for paying off private loans
- IDR Progress Tracker for federal loans on an income-driven plan
- Have both? Use both!
- A video walkthrough from me on using it
What we cover
Treat every part of your financial health
PFPT content is organized into these pillars. Find the one that matters most to you right now and start there.
The Loan Clinic
Student loans, PSLF, income-driven plans and choosing a repayment path that won't quietly cost you tens of thousands.
Retirement Rx
401(k)s, 403(b)s, IRAs, Roth vs. pre-tax and letting decades of compounding do the heavy lifting.
Wealth Protocol
Investing and building wealth beyond the student loans, so your money keeps working after you clock out.
The Foundation
Budgeting, cash flow, emergency funds, insurance and taxes. Build your financial foundation ASAP!
Student Files
Money moves for PT students, from borrowing smart in school to starting your first job with a plan.
My Chart
Your PT career and the big decisions around it, like your setting, side income, treating on the side, buying a house and getting married.
Work with me
Get a plan built around your numbers
Every session is 1-on-1 over Zoom, built by a DPT for people on a PT's salary.
Financial Eval & Treat: SOAP Note
Get clarity on your money and a clear direction for your student loans.
- Your student loan options and potential outcomes
- The reasoning behind each one, mapped to your career
- Great for students and new grads
Financial Eval & Treat: Action Plan
Your student loan options plus an in-depth breakdown of how to build wealth beyond the loans.
- Your loan options and the reasoning behind them
- A step-by-step guide for your next available dollar
- Built around your PT setting and career
PFPT Strategy Call
Unsure which consult to choose? Hop on a quick call to ask questions and talk through your goals.
- Figure out which consult fits you
- Talk through the Financial Plan of Care
The full program
The Financial Plan of Care
A 12-week, 1-on-1 program to help you completely take control of your finances. We evaluate where you're at, set your goals, write your prescription, automate your home program and discharge you with a roadmap for the next 12 months.
- Vision & Goals Summary
- Financial Vital Sign Analysis
- Your student loan written prescription
- Your automated Home Program
- The Completed Plan of Care
- Your discharge Roadmap
Client results
Hear it from fellow PTs
What PTs say after getting their finances evaluated and treated.
Coming soon
PFPT on YouTube
Watch the long-form breakdowns
Deeper dives into student loans, retirement accounts and building wealth as a PT, all the stuff that doesn't fit in a 60-second Reel. Subscribe so you catch every new video!
Join the PFPT email list
Student loan updates, retirement breakdowns and wealth-building tips for PTs, straight to your inbox. When the rules change, you'll hear about it here first!
No spam. Unsubscribe anytime.
Meet your PT
Hey, I'm Noah!
I'm a physical therapist (DPT) who figured out the money side of this career, and I built PFPT for the PT who hasn't yet. Most financial advice is built for physicians and dentists whose income curves look nothing like ours. PFPT is built for people on a PT's salary.
I'm not a CFP, CPA or attorney, and I'll always tell you when you need one. What I can do is help you understand your options so you can make your own decisions with confidence.
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