Coat Capital Medical Career Partnership Timeline

Supporting physicians from training through wealth building in an evolving healthcare landscape

1

Med School (Years 1-4)

PAIN POINT

Rising tuition costs averaging $280K-$400K total, with federal loan caps coming in 2026-2027 creating funding gaps

Coat Capital VALUE

Early awareness building and financial education before debt accumulates

ACTIONS

  • • Learn about ISAs and burnout risk assessment early
  • • Subscribe to Coat Capital newsletter and content
  • • Build financial literacy foundation
  • • Complete grit/resilience assessments

Market Reality: Average medical debt now $202,453. ISA market growing 5.7% annually. Students increasingly seek loan alternatives as traditional financing becomes restrictive.

2

Residency (PGY 1-3/7)

PAIN POINT

Average salary $65,557 with 80+ hour weeks, high burnout (45% of physicians), and no financial cushion for emergencies

Coat Capital VALUE

Primary ISA entry point providing immediate financial support when traditional options fail

ACTIONS

  • • Apply for Coat Capital ISA capital funding
  • • Use funds to avoid credit card debt and burnout spending
  • • Lock in favorable repayment terms with grace periods
  • • Access burnout prevention resources

Critical Window: 62% cite bureaucratic tasks as primary burnout cause. Emergency medicine and OB/GYN have highest burnout rates (63% and 55%). This is Coat Capital's key acquisition period.

3

Fellowship (Optional)

PAIN POINT

Extended training period with continued low income while peer earnings grow in other fields

Coat Capital VALUE

Continued support without additional debt burden, extended ISA grace periods

ACTIONS

  • • Maintain lifestyle support and burnout protection
  • • Optimize Coat Capital capital investment strategies
  • • Continue fund growth in background
  • • Prepare for attending transition

Strategic Phase: Recent policy changes may affect PSLF eligibility for residents. ISAs provide more flexible alternative during uncertain regulatory environment.

4

First Attending Job

PAIN POINT

Jump from $65K to $300K+ average salary but decade behind peers in wealth building, with complex financial decisions

Coat Capital VALUE

Time value of money advantage realized through early ISA investment, shared growth benefits

ACTIONS

  • • Begin ISA repayment from actual earnings
  • • Receive share of Coat Capital fund growth via ISA structure
  • • Optional transition to Coat Capital investment services
  • • Leverage early investment advantage

Payoff Phase: Primary care physicians average $277K, specialists $394K. Physician shortages driving 3.6% salary increases. ISA payments begin as income stabilizes.

5

Long-Term Partnership

PAIN POINT

High earners ($376K average) lack time and expertise for optimal wealth building and financial planning

Coat Capital VALUE

Retain high-income clients through comprehensive financial services and ongoing partnership

ACTIONS

  • • Transition to full-service wealth management
  • • Continue capital growth with trusted Coat Capital team
  • • Leverage physician network for referrals
  • • Maintain "once a client, always a client" relationship

Wealth Phase: Self-employed physicians earn $391K vs $353K employed. 53% feel underpaid despite high earnings. Coat Capital provides ongoing financial optimization and peace of mind.

Market Context & Opportunity

Physician Shortage

86,000 physician deficit by 2036 driving salary increases and job security

ISA Market Growth

5.7% annual growth with $4.5B market size, expanding beyond coding bootcamps

Financial Stress

Clear link between financial stress and physician burnout creates market opportunity