Disclosures

Last updated: September 19, 2026

We want you to understand what our content can help with, where its limits are, and how we explain relationships that could affect a recommendation.

General education only

Doctors in Finance shares practical lessons about U.S. personal finance for international doctors and dentists. This is general education, not personal financial, investment, tax, legal, immigration, or medical advice. We do not evaluate your complete circumstances through the website or newsletter.

Topics such as tax residency, SSNs and ITINs, visas, investing, and money across borders depend on individual facts. Speak with an appropriately qualified professional before acting on matters specific to you.

Experience and training

Upasana Acharya and Ranjan Pathak share experiences from learning the U.S. financial system. Personal stories and examples do not guarantee that you will have the same experience or result.

Our reference to Yale and UCLA describes collective training credentials. It does not imply that either institution endorses, sponsors, or is affiliated with Doctors in Finance. Professional training in medicine and dentistry does not replace individualized financial, tax, legal, or immigration advice.

How we discuss products and services

When we discuss a product or service, we aim to explain relevant eligibility requirements, costs, limitations, and tradeoffs using the information available at the time. We also explain the criteria behind recommendations. Products and terms can change, and a resource that is useful for one person may not fit another.

Always verify current details with the provider. We do not promise savings, returns, approvals, or other financial results.

Financial relationships and sponsorships

If content involves paid placement, an affiliate commission, a referral reward, a free product, or another relevant material connection, we identify that relationship alongside the affected content or link. Compensation may influence how readers assess a recommendation, so the relationship should be easy to find and understand.

This general page is not a substitute for a clear disclosure near a specific recommendation. A relationship with one provider does not imply a relationship with every provider we mention. If a disclosure seems missing or unclear, please tell us.

Examples, opinions, and third-party content

Examples are for explanation and may simplify a topic. Opinions reflect the authors’ views at the time of publication. Neither an example nor an opinion is a recommendation tailored to your portfolio or circumstances. Third-party content and linked resources are the responsibility of their respective providers.

Corrections and questions

We welcome factual corrections and questions about a recommendation or relationship. Email docsinfinance@gmail.com. You can also read our terms of use and privacy policy.