GigHz Physician Finance Hub

Overview

The GigHz Physician Finance Hub is a unified browser-based financial intelligence platform built specifically for physicians. It combines a loan decision engine and an AI-powered tax planning system into a single experience — starting with three questions that route each user to what matters most for their situation. No login. No paywall on core features. No API key required.

The Problem

Physicians are among the highest-earning professionals in the United States and among the most under-served for proactive financial planning. The average physician overpays $15,000–$60,000 in taxes annually from missed strategies. Residents and early attendings routinely default into the most expensive loan repayment path through inaction — often costing six figures over 10 years. Generic CPAs miss 6–12 applicable strategies per year. The tools that exist are either built for hospital finance teams ($30K–$50K/year) or so generic they don't account for the specific tax structure of physician income.

The 3-Question Entry Router

The platform opens with three questions: what is your biggest financial concern, where are you in your career, and what do you want to walk away with today. Each question displays a plain-English label showing who it applies to most — residents, attendings, or practice owners. Based on the answers, users are routed directly to the loan engine, tax screener, or CPA prep flow. Income entered in the loan engine pre-fills the tax screener. Data flows between modules without the user re-entering anything.

Loan Decision Engine

A pure-calculation module — no API call, instant output. The user selects their specialty and the platform pre-populates an estimated income from published salary data (Doximity, AAMC, BLS), which they can override. The engine models three scenarios side by side: PSLF path (if eligible), income-driven repayment without PSLF, and refinancing. Each scenario shows total paid over 10 years, forgiveness amount, the tax bill on forgiveness (the tax bomb that most tools don't show), and net cost. Refinance affiliate cards from physician-specific lenders appear only when refinancing is the mathematically superior path.

Tax Strategy Screener — TaxSignal AI v7

61 tax strategies across 14 categories. Strategy matching is deterministic — no AI call required. 28 profile questions with plain-English explainers and auto-fill from uploaded documents. Physician-specific strategies include malpractice tail insurance timing, DEA/CME/board fee deductibility, qualified plan stacking (401k + cash balance + HSA), resident Roth conversion window, moonlighting SE tax planning, and more. Income brackets extended to $1M–$1.5M and Over $1.5M.

OBBBA 2026 — SALT Torpedo Detection

The platform is one of the only consumer tools with full OBBBA 2026 SALT logic embedded. The One Big Beautiful Bill Act raised the SALT deduction cap to $40,400 for 2026 — but a rapid phaseout between $500k–$600k MAGI creates a phantom 45.5% marginal rate. TaxSignal AI detects whether the user is in this danger zone and surfaces income-smoothing action steps. Less than 5% of physicians know this exists.

CPA Prep Packet

For users who upload prior and current year tax documents, the platform extracts structured data from W-2s, 1099s, K-1s, 1040s, and 18 other document types using GPT-4o-mini via a Cloudflare Worker proxy. The system auto-fills 15+ profile questions, runs a deterministic year-over-year ETR comparison, detects missing documents with severity ratings, and synthesizes a CPA-ready packet. Zero data retained server-side.

Technical Architecture

React front end (single bundle). Cloudflare Worker with two endpoints: OpenAI BAA-compliant pass-through and Google Sheets capture. Rate limiting at 10 req/min per IP via Cloudflare KV. All API credentials stored as Worker secrets. localStorage auto-save with 7-day TTL. GigHz Intake plugin v1.7.0 handles session pre-fill and lead capture. Deployed via custom page template at gighz.com/physician-finance.

Target Users

• Residents and fellows navigating PSLF vs. refinancing decisions.
• Early attendings transitioning from employment to private practice.
• Established attendings overpaying in taxes without knowing it.
• Private practice owners needing retirement plan stacking and entity structure analysis.
• High-income IR, surgical, and procedural specialists in the $500k–$1.5M range.

Monetization

Loan affiliate referrals shown only when refinancing is the mathematically correct path. CPA and financial advisor referrals via the GigHz intake pipeline. GigHz Academy cross-sell from the tax strategies tab. No paywall on core features — friction-free tools build trust, monetization follows from trust.

Reviewed by Pouyan Golshani, MD, Interventional Radiologist — April 7, 2026