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

My experience:

We (wife and I) got references and met with a financial advisor that was recommended by peers. He specialized in disability ins. Do u have that now? We got a plan about the point u are at because it is cheaper to get the plan if u are in residency. They lock ur rate for the amount u make now where that amount would be more if u get it after u grad. Then u expand the amount to ur liking after ur new income starts. He also offered life ins, but we got it through the wife's practice instead. Only thing I would watch is amounts. They want to sell u way more coverage then u need sometimes. He also does investments, but the disability stuff is something they all do not specialize or have knowledge in, which is why we chose him.
We also built a home and the physician loan was not a great option. The only real benefit is that they do not count student loans. That keeps some from qualifying from conventional loans. Fir our situation a conventional was better. 3% interest rate closed last month. I looked at the physician loans mainly online bc most mortage brokers didn't deal with them.
Next order of business is finding a good accountant. I think I will be a one percenter staring at standard deduction if I don't do something. Financial adviser helped some, but suggested we talk to an accountant. God damn the amount of taxes u are about to pay. More than most people make!
Edit: I thought of graduating as getting out of residency. May have misread, but may help for future reasons. I had no money to advise while wife was in residency.