Episode 124: Mid-Year Financial Check-Up – Maximizing the Second Half Episode

In Episode 124 of Doctor’s Wealth and Wellness, our Tuesday financial episode, I walk high-earning physicians through a timely mid-year check-up at the midpoint of 2026 to assess progress, make small adjustments, and finish the year strong—building on our recent wellness episodes about mid-year audits, summer boundaries, and Atomic Habits. A 2026 Medscape report notes that over 65% of physicians lose financial momentum by June, so I share three essential concepts: (1) reviewing and optimizing retirement contributions to max out 401(k)s, Roth options, backdoor strategies, and employer matches (with Dr. Elena increasing her Roth deferral during a potential part-time transition); (2) assessing your tax situation with Q2 estimates, deductions like CME/home office, bunching via donor-advised funds, and Roth conversions (as Dr. Raj did to free cash for family baseball travel); and (3) rebalancing your portfolio for asset drift, reviewing life insurance, emergency funds, and estate plans to align with current goals (Dr. Sofia’s rebalance after equity drift). These steps help protect gains, reduce risks, and support family/summer priorities without added stress. Your Financial Check-In: Pick one area this week—retirement pacing, tax projection, or portfolio review—then email [email protected] with what stood out or book a free 30-minute consult for a personalized mid-year review at no charge. Maximize the second half of 2026! Share with a colleague and tune in next week for wellness. Live for today, plan for tomorrow. Examples in this episode are hypothetical and not representative of a specific individual.