Editorial Guidelines
MedMoneyGuide publishes physician-specific financial content. This page explains exactly how that content is researched, written, reviewed, and maintained — and what standards we hold ourselves to as a YMYL (Your Money or Your Life) publisher.
Who Produces This Content
All content on MedMoneyGuide is produced under the editorial direction of J.R. Dunigan, DO — a board-eligible family medicine physician practicing in Des Moines, Iowa, and the founder of this site.
Dr. Dunigan reviews or writes every guide, calculator explainer, and product review published here. He is not a licensed financial advisor and does not provide personalized financial advice. What he provides is physician-authored financial education grounded in firsthand experience navigating the financial challenges of a medical career.
When a topic requires review beyond his expertise — such as specific state insurance regulations or niche tax law provisions — that review is sourced from credentialed professionals and noted in the relevant article.
Our Editorial Principles
Physician-Authored
Every guide, review, and article on MedMoneyGuide is written or directly reviewed by J.R. Dunigan, DO — a practicing family medicine physician. Content is not outsourced to generalist writers without subject-matter review. When a topic requires specialist perspective (e.g., surgical subspecialty disability insurance, academic medicine salary structures), that is noted in the article and the content reflects additional sourced expertise.
Editorial Independence
Advertising relationships and affiliate partnerships have no influence over editorial content, rankings, or recommendations. A lender that does not have an affiliate relationship with MedMoneyGuide is evaluated by the same criteria as one that does. Product rankings are determined by our research methodology — not by which companies are willing to pay for placement. Sponsored content, when it exists, is clearly labeled.
Sourcing Standards
MedMoneyGuide cites primary sources wherever possible. Acceptable sources include: AAMC (Association of American Medical Colleges), MGMA (Medical Group Management Association), IRS publications, federal student loan program documentation (studentaid.gov), peer-reviewed financial and medical literature, Medscape Physician Compensation Report, and official guidance from FINRA, the SEC, and state insurance regulators. We do not treat other personal finance blogs or aggregators as primary sources.
Update Policy
All guides carry a visible "Last Updated" date in the article header. Guides in fast-changing areas — student loan repayment policy, tax law, insurance regulations — are reviewed on a quarterly basis or whenever material regulatory changes occur. Evergreen content (e.g., foundational investing concepts) is reviewed annually. When content is updated, the Last Updated date is refreshed and material changes are noted.
Conflict of Interest Disclosure
J.R. Dunigan, DO is the sole owner and editor of MedMoneyGuide. He does not currently hold any equity position in, nor does he receive direct compensation from, any financial institution, lender, insurer, or product company whose products are reviewed on this site beyond standard affiliate commission arrangements. All affiliate relationships are disclosed per FTC guidelines on the relevant pages and in our Advertising Disclosure.
Corrections Policy
When factual errors are identified — whether by readers, subject-matter experts, or internal review — they are corrected promptly. Significant corrections are noted at the top of the relevant article with a brief description of what was changed and when. We do not silently delete or alter content without acknowledgment. To report an error, contact customersupport@medmoneyguide.com.
Primary Sources We Use
MedMoneyGuide does not treat other personal finance blogs or third-party aggregators as primary sources. We draw data from the following authoritative sources:
| Source | Used For |
|---|---|
| AAMC (American Association of Medical Colleges) | Medical school debt data, compensation benchmarks |
| MGMA (Medical Group Management Association) | Physician salary and compensation surveys |
| Medscape Physician Compensation Report | Annual specialty salary data |
| IRS Publications | Tax rules, retirement contribution limits, deduction guidance |
| StudentAid.gov | Federal student loan program rules and IDR plan details |
| FINRA & SEC | Brokerage, advisor, and investment product regulations |
| State Insurance Regulators | Disability and life insurance licensing and product rules |
| Federal Register | Regulatory changes to loan programs, tax code, and ERISA |
What This Content Is — And Isn't
MedMoneyGuide publishes educational and informational content. It is not a registered investment adviser, licensed financial planner, tax preparer, attorney, or insurance agent. The content here does not constitute personalized professional advice of any kind.
Specifically, content on this site is not:
- ✕Specific recommendations about which student loan repayment plan is right for you
- ✕Personalized investment portfolio advice
- ✕Tax preparation or tax strategy for your specific situation
- ✕Contract negotiation on your behalf
- ✕Insurance product selection tailored to your individual circumstances
For decisions specific to your financial situation, we strongly recommend working with a fee-only, fiduciary financial advisor who specializes in physician clients.
Corrections & Feedback
Accuracy is a core commitment. If you find a factual error — an outdated statistic, a mischaracterized rule, or a calculation mistake — please let us know. We investigate all reported errors and issue corrections promptly.
Significant corrections are disclosed at the top of the relevant article with a note describing what changed and when. We do not silently alter factual content without acknowledgment.
To report an error or submit a content request: customersupport@medmoneyguide.com
Standards at a Glance
- All content written or reviewed by J.R. Dunigan, DO
- Editorial rankings and recommendations are independent of advertiser relationships
- Data is sourced from AAMC, MGMA, IRS, Medscape, studentaid.gov, and peer-reviewed literature — not from other content sites
- All guides carry a visible "Last Updated" date and are reviewed on a quarterly or annual schedule
- Affiliate and advertising relationships are disclosed per FTC guidelines
- Factual corrections are made promptly and disclosed when material
- Sponsored content is labeled clearly and separately from editorial content
- Content is educational in nature — not personalized financial, legal, tax, or medical advice
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