Michael Putterman, CFP® | Dream Bigger Financial

Michael Putterman with his dogs

Accepting new clients

Michael Putterman, CFP®

Independent · Fiduciary · Serving physicians nationwide

Concierge financial planning for doctors with student loans. Your loans don't exist in a vacuum. They shape your taxes, your savings, and every financial decision for the next decade.

Talk with Michael → Free Student Loan Analyzer → Visit dreambiggerfinancial.com →

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Calculators & Resources

Compare RAP, PAYE, and IBR payments side by side.

Old IBR vs. New IBR. See how your payment differs.

Estimate your payment under the new Repayment Assistance Plan.

PAYE Calculator

Phasing out July 2028, but still available for some borrowers.

PSLF Payment Tracker

Track qualifying payments toward forgiveness.

Graduating soon? See what your payments could look like.

Married Couples

How filing status affects your student loan payment.

IDR Eligibility

Not sure which plan you qualify for? Start here.

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Free Guides

MS4 Student Loan Guide cover

The MS4 Guide to $0 Payments

Step-by-step student loan guide for MS4s starting residency in 2026.

Read the guide →

Disability Insurance Guide cover

Disability Insurance Guide for Physicians

What to look for, what to avoid, and how to compare policies.

Get the guide →

GSI Program List

Check if your residency or fellowship offers Guaranteed Standard Issue coverage.

Articles on student loans, taxes, and financial planning for physicians.

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Work Together

Ongoing Support

Concierge Financial Planning

Attendings: starting at $600/mo · Residents & Fellows: starting at $200/mo

Year-round financial planning built for early-career physicians. Loans, taxes, investing, insurance. Coordinated and evolving as your career does.

See full details →

Student Loan Strategy Session

A deep dive into your specific loan situation. Walk away with a written action plan covering your IDR options, tax filing strategy, and PSLF timeline.

Book a session →

Disability & Life Insurance

I help physicians get the right coverage at the right price. Quote comparison, policy review, and guidance through the application process.

Stay in the loop

Financial tips for physicians. No spam.

Short emails on student loans, tax strategies, and financial planning. Written for doctors in training and early practice.

Join the newsletter

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Student loan rule changes, explained simply

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Tax tips for residents, fellows, and attendings

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Use a personal email so you don't lose access after training

Student Loans About Pricing Insurance MS4 FAQ