Serving 85+ Households Nationwide · Fiduciary Financial Advisor
A Financial Plan Built for Occupational Therapists
Occupational therapists often graduate with master's or doctoral-level debt and salaries that make repayment feel like a long road. Hospital and school-based OTs are among the most reliably PSLF-qualified borrowers in Michigan, a benefit that most never optimize because nobody told them it was there.
The Financial Challenges Occupational Therapists 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.
Student loan strategy for OT graduates
OT programs commonly leave graduates with $80,000 to $130,000 in federal student debt. The right repayment approach depends on where you work and what you want long-term. We work through your numbers and tell you which path saves the most money. No vague "it depends" answers.
PSLF eligibility across OT practice settings
Hospital-based, school district-based, and nonprofit clinic OTs all potentially qualify for PSLF. The key is verifying that your specific employer qualifies and that you are enrolled in the right loan type and repayment plan. We check your eligibility and confirm your payment count is progressing correctly.
Navigating the income and benefits trade-off between settings
School-based OT positions often pay less than hospital settings but may offer summer flexibility, predictable hours, and strong PSLF eligibility. Outpatient private practice may pay more but eliminates forgiveness options. Before making a move, we model the full financial picture of the transition.
Building retirement savings while managing debt
With loan payments competing for cash flow, building a retirement portfolio can feel like a luxury. You can do both at the same time: capture the employer's 401(k) or 403(b) match, keep loan payments manageable through income-driven repayment, and actually build a savings balance. It just needs to be structured correctly.
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 Occupational Therapists 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 Occupational Therapists
Do occupational therapists qualify for PSLF?
OTs employed by public school districts, nonprofit hospitals, nonprofit clinics, and government entities qualify for PSLF. Eligibility depends on your employer's tax-exempt status, your loan type, and your repayment plan. We verify all three before you make any decisions about your loans.
Should I refinance my OT student loans?
Only if you are certain you will not pursue PSLF. Refinancing federal loans into private loans permanently removes PSLF eligibility and income-driven repayment protections. If you work for a qualifying employer, refinancing is a mistake. If you work in a for-profit setting with no PSLF eligibility, refinancing to a lower rate may make sense.
How can I start investing when my loan payments are so high?
If your employer offers a retirement plan match, contribute at least enough to get the full match. That is a 50 to 100 percent return on your contribution before any investment growth. An income-driven repayment plan can also reduce your loan payment and free up cash flow for investing. We structure the plan to make both happen.
Is Villaire Financial a good fit for an occupational therapist with $100,000 in debt and $15,000 in savings?
Yes. That is a common and very workable starting point. The value of financial planning at that stage is highest because the decisions you make about your loans and savings in the next few years will compound significantly. There is no asset minimum to work with Villaire Financial.
How does fee-only financial planning work?
A fee-only advisor earns compensation only from the fees you pay directly. No commissions on financial products, no referral payments, no third-party compensation. That structure removes the conflict of interest that exists when an advisor earns more by recommending certain products.
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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