Understanding the MATRIX

The workshop addresses basic loan mechanics and how debt fits into the context of an overall financial plan


Understanding the MATRIX

Getting to Zero Student Loans & Beyond

Workshop Overview


It's no secret that most new physicians have concerns about their education debt. And who could blame them when the average new physician owes $200,000, and some owe much more than that.

The first aim of this workshop is to stress the importance of an informed debt-payment strategy. Participants will get an overview of the complexities of public and private education loans, loan forgiveness, and income-driven repayment programs.

The larger goal of the workshop is to put student debt into context. Attendees get a clear, unbiased picture of how their loan decisions might compare to consumer debt, savings and investment decisions. This is where MATRIX comes in. MATRIX stands for maximizing after-tax, risk-adjusted returns (where the "x factor" is the return), or a data-driven approach to sequencing financial decisions. Whether it's paying down debt or adding to savings, students will learn that they should run the numbers before allocating their precious financial resources.

Bonus points: Attendees will discover additional benefits of a staged-in lifestyle (aka even more deferred gratification).

This workshop runs about 45 minutes, with an unlimited Q&A session to follow.

We host our workshops in teaching hospitals and in our Radnor, PA office throughout the autumn and spring.

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Frequently asked questions

You will benefit from this workshop if you:

  • are nearing the end of your residency or if you are a fellow
  • want to know more about debt-repayment strategies
  • are interested in learning how to optimally sequence financial decisions
  • are curious about how lifestyle spending will affect your financial outcomes

Their proximity to their career launch makes this workshop more valuable to PGY4s and above. Any medical student will benefit from the concepts and exercises presented, but they will resonate best with senior medical students who are motivated to get a fast start with their finances in their near future.

Many of our workshops are scheduled through program directors at local teaching hospitals, but we also welcome smaller groups at our Radnor office. If you have an idea for a different setting, please contact Catherine Kiser.

The Inflection Point Workshop is presented by Tom Rylko, CFP®.

If you are unable to attend our workshop at a hospital or at our office, please take advantage of a free consultation with TGS Financial Advisors. Simply note your interest in the workshop in the message field of the “Contact Us” form—we’re happy to discuss workshop content one-on-one.

Due to their education debt, emerging and new physicians often have a negative net worth. Because of this, they are not considered ideal customers by many financial planning firms. As a result, even though they face more important financial decisions in a condensed period of time than other professionals do, they tend to be under served.

We offer our workshops free of charge because we feel strongly that the financial messages we share can make a significant difference in the quality of life for physicians and their families.

Do we also hope that you like our message well enough that you will become a client? Of course. But there are absolutely no strings attached.