About Smart Money Rx

We're physicians who've been there. We've negotiated contracts, agonized over PSLF decisions, navigated the attending income jump, dealt with insurance salespeople pushing whole life policies, and questioned every financial decision while trying to focus on patient care.

Early in our careers, we made costly mistakes. We accepted the first contract without negotiating. We paid high fees to advisors who recommended commission-laden products. We didn't optimize our tax strategies or maximize our employer benefits. Each mistake cost us tens of thousands of dollars.

But we learned. We read the books, ran the numbers, joined online communities, and eventually achieved financial independence. Not through picking winning stocks or timing the market—but through making informed, evidence-based decisions across every aspect of our financial lives.

Here's what frustrated us: Most financial advisors aren't equipped to handle physician-specific challenges. They don't understand PSLF, moonlighting taxes, or the nuances of physician employment contracts. And many have conflicts of interest—recommending products that pay them the highest commissions rather than what's best for you.

We built Smart Money Rx because we wish this had existed when we were weighing our first job offers, deciding whether to buy a house, or trying to figure out if we should refinance our loans. We wanted to create an AI Financial Curbside that could answer any financial question a physician might have—from contract negotiations to investment strategy—without the conflicts of interest that plague traditional advisory.