Most physicians are taught how to save lives — but almost nobody teaches them how to navigate the financial side of building one. In this episode, Zoe Taylor sits down with fiduciary advisor James Nutter for a grounded conversation about the realities physicians face during major transitions — from residency and relocation to home buying and early attending life. Together, they unpack physician loans, financial stress, lifestyle creep, and how to make smarter money decisions without losing sight of the life you actually want to build.
Physicians spend years mastering medicine — but very little time learning how to navigate money, home buying, debt, and long-term financial planning during major life transitions.
In this episode, Zoe Taylor sits down with fiduciary advisor James Nutter for a grounded conversation about the financial side of moving through medicine.
Together, they unpack physician loans, home buying during training and attending transitions, how to evaluate financial advisors, and why so many physicians end up overwhelmed by financial decisions despite being highly educated professionals.
Rather than focusing on “getting rich,” this episode centers on building a life that actually aligns with your goals, values, relationships, and long-term vision.
This episode is sponsored by Bob Hall at Truist.
Bob works closely with physicians and medical families navigating relocation, home buying, physician loans, and major financial decisions during career transitions.
Whether you're relocating for residency, fellowship, or an attending position, Bob helps physicians think strategically about financing decisions so they can build stability without becoming financially overextended.
James Nutter is a fiduciary financial advisor and partner at IM Wealth, where he helps physicians navigate the often-overwhelming world of money, investing, debt, and long-term financial planning.
In this conversation, James and Zoe explore how financial decisions intersect with physician life transitions — especially during residency, fellowship, relocation, and early attending years.
They discuss the realities of physician loans, why getting approved for a large mortgage doesn’t necessarily mean you should take it, and how physicians can reverse engineer home-buying decisions around lifestyle goals instead of external expectations.
The conversation also dives into the financial advising industry itself — including fiduciary standards, commissions, hidden conflicts of interest, and how physicians can better protect themselves from poor financial guidance.
This episode is practical, honest, and deeply relevant for physicians trying to create financial clarity during some of the busiest and most transitional years of their lives.
James Nutter is a fiduciary financial advisor and partner at IM Wealth, a physician-focused financial planning firm helping medical professionals make more intentional financial decisions.
After beginning his career inside a large Fortune 100 financial firm, James transitioned into boutique financial planning to better serve physicians through transparent, relationship-driven guidance.
Today, he helps physicians navigate investing, student loans, home buying, cash flow systems, retirement planning, and long-term wealth strategy.
James is also the host of A Physician’s Guide to Wealth podcast.
📸Follow James on Instagram.