re: Got an appointment with financial advisor Thursday.......

I'm sure it won't hurt goingto the first appointment, since it is free.

The best way to handle a relationship with financial advisors is to hold them accountable for what they say and do. Just because they seem like they know what they are talki g about, doesn't mean they actually do. I would seek multiple sources of info before ever making a decision with these guys. Find a guy you trust and challenge him to teach you why what he recommends is best for you. Don't just take his advice at face value. That is how a relationship with a financial advisor works best.

As somebody already said, I would suggest looking at disability now while you are young. Residents are lucky in that they can apply for it without being a full time doctor.

Best of luck.