About PFPT

Personal finance, built for PTs

Clear answers on student loans, retirement and building wealth, from someone who works the same job you do.

Noah holding his Doctor of Physical Therapy diploma outside New York Medical College

Meet your PT

Hey, I'm Noah!

I'm a physical therapist (DPT) and the person behind PFPT. I built it for the PT who's looking at a big student loan balance and wondering how it's ever going to fit into the life they want, because not long ago, that was me.

I'm not a CFP, CPA or attorney, and I'll always tell you when you need one. What I can do is lay out your options, explain the reasoning behind them and help you make your own decisions with confidence.

My story

Plan your loans around your life

Noah and four classmates in doctoral robes holding their New York Medical College diplomas — Graduation day 2024 with my DPT classmates

I graduated from PT school in 2024 with almost $200,000 in student loans. I was proud of that diploma… and I also felt like I was drowning in debt. I was trying to figure out how the income from my first PT job was supposed to pay all of it off.

Noah pointing to a laptop screen showing that he passed the NPTE — Passed the NPTE!

Noah and his bride walking through a bubble send-off at their wedding — Our wedding day

At the same time, life kept moving. I passed the NPTE, got married and started living life outside of school, and I realized my student loans couldn't be my whole financial picture. I wanted to build a life, not just make loan payments!

So I spent countless hours diving into personal finance. However, most of what I found on managing a high student loan balance was bare-bones, and a lot of it was written for physicians and dentists whose income curves look nothing like ours.

The treatment room at the satellite clinic Noah ran in his first PT job — Running a satellite clinic in my first job

I took it upon myself to learn federal repayment plans and student loan strategies inside and out. What I figured out is that there are plenty of ways to build wealth while you carry a high student loan balance, all while you work toward paying it off responsibly.

Now my goal is to help other PTs get that same clarity. PFPT is about building a sound student loan strategy around the life you want to live, instead of planning your life around the restrictions of your student loans.

The PFPT approach

Treat your money like a patient

You already know how a good plan of care works. PFPT runs your finances through the same process.

Built for a PT's income

Everything I teach is built around a PT's salary, settings and career path, not a physician's income curve.

Evaluate, then treat

Check your vital signs, set your goals, write the prescription, build the home program and discharge with a roadmap.

Education first

You get your options and the reasoning behind them, so you understand your picture and make the call yourself.

Ready when you are

Book your free Strategy Call

15 minutes on Zoom to ask questions, talk through your goals and find the right next step.

Pick a time See all the ways to work together