01Why do doctors need a different cash-flow model?＋
Medical income may combine salary, private practice, procedures, on-call work, and irregular professional costs. A planning model should separate dependable income, variable income, tax reserves, professional expenses, and long-term funding.
02Is the protection-gap result an insurance recommendation?＋
No. It is a needs-based educational estimate. Existing benefits, policy wording, exclusions, premium affordability, ownership, and beneficiaries require adviser review before any product decision.
03Can the fellowship calculator include lost clinical income?＋
Yes. Add tuition, travel, relocation, licensing, insurance, living costs, and the income you expect to forgo to create a more realistic career-capital target.
04Are calculator results saved by AFC?＋
No. Saved scenarios remain in the visitor’s browser on that device. They are not transmitted to AFC unless the visitor separately submits an engagement request.
05Do the return assumptions guarantee an outcome?＋
No. All return, inflation, yield, and cost assumptions are deterministic illustrations. Actual outcomes may be materially different.