Serving 85+ Households Nationwide · Fiduciary Financial Advisor
A Financial Plan Built for Nurses
Nurses earn good money, but overtime income, shift differentials, and the hospital pension vs. 401(k) decision make financial planning more complicated than it looks. If you have nursing school debt, PSLF eligibility is one of the most valuable decisions you will ever make. Most nurses never find out they qualified until it is too late.
The Financial Challenges Nurses Face
These are not generic financial planning issues. They are specific to your profession, your income structure, and the decisions you are likely facing right now.
Managing overtime and shift differential income
Overtime and shift differentials can change your take-home pay significantly from month to month. Without a plan, it is easy to spend up to your highest-income months and feel squeezed when overtime slows down. Build a cash flow system around your base pay so overtime becomes wealth-building money, not baseline spending.
Hospital pension vs. 401(k): which one actually wins
Many Michigan hospital systems offer a pension, a 401(k), or both. Deciding how much to contribute to each, and whether the pension vesting timeline makes sense given your career plans, is one of the most consequential decisions a nurse can make. We model both scenarios with your actual numbers so you can make an informed choice instead of a default one.
PSLF eligibility and student loan strategy
If you work for a nonprofit hospital, which most Michigan hospitals are, you may qualify for Public Service Loan Forgiveness after 10 years of qualifying payments. Many nurses are unknowingly disqualified by refinancing their loans or choosing the wrong repayment plan. We verify your eligibility and build a PSLF strategy before you make an irreversible mistake.
Building real savings on a variable income
Variable income makes it hard to know how much you can save each month. A savings system that runs automatically around your base pay keeps your retirement accounts, emergency fund, and goals funded consistently, regardless of what your paycheck looks like in any given month.
A financial advisor who makes sure you're actually building the life you want.
Chris started Villaire Financial because the financial services industry has largely overlooked people in their 20s and 30s for decades. He built this firm specifically for young professionals to give them clarity and direction with their finances.
Meet ChrisWhat a Financial Plan for Nurses Covers
Villaire Financial is a fee-only, fiduciary financial planning firm built for young professionals. No asset minimums. No commissions. A real plan built around your actual situation.
What clients say about working with Chris
"I'm so glad I started working with Chris early on in my career. He worked with me to create a plan that's unique to my financial goals and helped me get started with investing and planning for retirement."
"Chris has always been on top of his work and has helped me better my financial future. He truly cares about his clients and is continually trying to improve. Would highly recommend to anyone looking for financial growth and guidance."
"Working with Villaire Financial has been great. I wouldn't have started investing my money if it wasn't for Chris, and I'm glad I did. Chris is easy to communicate with and really understands how to help Gen Z put their money in the right places."
Testimonials from current clients of Villaire Financial, LLC. No compensation was provided. Individual experiences and results will vary.
Common Questions from Nurses
Do Michigan nurses qualify for Public Service Loan Forgiveness?
Many do. If you work full-time for a nonprofit hospital, which includes most major Michigan health systems, you likely qualify for PSLF. Eligibility depends on your loan type, repayment plan, and employment status. The critical step is verifying qualification before you refinance or make extra payments, either of which can disqualify you.
How should I choose between my hospital's pension and 401(k)?
How long you plan to stay with the same employer matters most. Most hospital pensions require five to ten years of service to fully vest. If you move hospitals frequently, maximizing the 401(k) instead often makes more sense. We model your specific pension terms against realistic career scenarios to give you a clear recommendation.
How do I plan financially around overtime income?
Budget around your base pay only and treat overtime as extra. We automate savings from your regular paycheck first, then build a system for directing overtime into debt payoff, investing, or a specific goal. This keeps your baseline stable and turns overtime into an accelerant rather than a lifestyle requirement.
Is there a minimum amount I need to invest to work with Villaire Financial?
No. Villaire Financial has no asset minimums. The one-time onboarding fee is $250, which covers your full financial plan. Ongoing planning is $75 per month, waived once you have $100,000 in managed assets. Investment management is charged at 1.00 to 1.50% of assets annually.
Can I work with Villaire Financial if I am a traveling nurse?
Yes. All client meetings are conducted via video, and the planning process is fully remote. Travel nursing also introduces specific financial considerations: tax home rules, contract income variability, and state tax complexity. We address all of those directly in your plan.
Book a Free 30-Minute Intro Call
No sales pitch, no obligation. Just an honest conversation about your financial situation and what working together would look like. The call is free and there is no pressure to move forward.
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