Guide to First-Time Physician Contract Negotiation

Physicians are typically thrilled to receive a first job offer. However, they may not realize that the terms of a contract are often negotiable.

If you know what to ask for, what strategies to use, and when to ask for help, you’re prepared to launch your career the right way.

In this short video, we explore tips and tactics to help you confidently approach your first contract negotiation. Watch now!


Transcript

You are not paid what you are worth. You are paid what you negotiate.

Hi, I’m Ben Martinek with Bona Fide Finance. I wanted to take a few minutes today and talk about negotiating your first contract.

It’s super exciting, right? You’re at the point now of getting paid.

You’ve found an employer, they’ve put an offer on the table, and it’s time to settle on the terms of your agreement.

This usually comes down to issues of compensation, benefits, clinical work duties, patient schedules, on-call duties, and maybe termination clauses.

And the two big components of the contract are compensation and benefits.

But the rest of the items that I just identified really kind of speak to quality of life and protection of your time.

Time, Money, and Avoiding Burnout in Your Career

The two biggest assets we have in life are our time and our money—the earnings we make.

But also making sure we don’t spend all of our time working endlessly and that we have some protective boundaries in place so we don’t get burned out and can be happy with what we’re doing.

You’ve been vetting your employer, and now it’s time for you to come to the negotiation and make sure you’re getting paid what you deserve to be paid.

How Supply and Demand Impacts Your Salary

I will tell you that a lot of this is decided simply by supply and demand.

At the end of the day, what people are willing to pay you is based on what kind of options are out in the marketplace and how easily they can come across and replace you with somebody else.

So if you start asking for more than what the market will allow or tolerate—basically more than what others are willing to do—you’ll just get replaced.

Someone will accept terms with someone else instead of moving forward with you.

But on the other side of that, if you are asking for less than what you deserve to be paid, they’ll accept it because, you know, the nature of things is that if you allow people to take advantage of you, they’re going to take advantage of you.

Using Market Data to Strengthen Your Negotiation

We want you to be looking toward objective criteria of what the market rate is for your specialty in your locality.

Thankfully, this isn’t all just a guessing game. There is hard data we can turn to to help give us confidence in our ask. You can turn to the Medical Group Management Association as one example, as a good place to start your negotiation.

Why Negotiation Feels Like a “Game”

But it’s good to recognize that negotiating, you know, it’s a game we play.

And honestly, I’ve always kind of found it to be a bit of a silly game, but it’s still a game that we play because we just don’t like to come to terms immediately.

Your employer probably has already baked into what they’re willing to offer you a lower number than what they think you’ll accept.

Because we all just kind of feel good turning around and pushing the number a little higher.

You feel like you’re winning, and the employer feels like they’re kind of winning.

Never Accept the First Offer Without Pushing Back

One piece of advice here: don’t accept your contract without pushing back and asking for more. Let’s try to push the limit on this and get as much as we can.

Understanding Your Value and Leverage in Negotiation

This is an issue of coming to clarity in your mind about who you are, what you bring to the table, what you’re worth, and how you stand in the marketplace with your specialty and how much your employer is in need of you.

The higher the need they have for you and the work you do, the more you’re going to get paid.

It’s really that straightforward. The more power, the more leverage you have at the bargaining table in terms of getting what it is you want.

Simply because, you know, what other option does the employer have if they want you?
Where else can they turn if you’re it and they don’t have another solution in place?

The Importance of Confidence and Legal Contract Review

An important piece to all of this, then, is coming into the negotiation with confidence.

It’s also not accepting things immediately or on first blush. It’s also having your contract reviewed by an attorney to make you aware of any clauses that could get you into trouble or could be regretful.

Or also to give you some insight into what they have commonly seen as value or benefits in your contract.

Getting Clarity on Your Compensation Goals

Where we work with our clients and deliver a lot of value is we can give clarity as to what the compensation needs to be in order for you to meet and achieve all your goals. It’s telling our clients this is the number you need to have in terms of the amount of compensation you receive.

It’s really powerful and impactful and helps you come in and say, “Hey, this is what the number has got to be.” Or “I’m going to go to someone else and get this number because this is what I want to achieve in my life. I know that if I’m not paid this amount, I’m not achieving what I want.”

Work With Bona Fide Finance for Negotiation Support

So if you’re looking for help in getting that sort of clarity so you can negotiate confidently, consider giving us a call.

We’d love to work with you and meet with you. You can reach out to us at hello@bonafidefinance.com or bonafidefinance.com.

It would be an honor to meet with you and see how we can improve your negotiation.

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Jared Schumacher

PhD, Paraplanner

Jared Schumacher holds numerous degrees in engineering/business and the humanities, including a PhD in Political Theology, and is a published researcher in the fields of politics, economics, social theory, and theology. He recently left a career as an associate professor to join the team at Bona Fide Finance, where he hopes to put his moral and political focus to good use offering financial services and advice for navigating our complex political and economic climate with integrity and thoughtfulness. He joins the team as a paraplanner, while studying to obtain the CERTIFIED FINANCIAL PLANNER® certification in the coming years. 

Jared grew up in Alaska and Texas, and spent over a decade studying and teaching abroad with his wife, Carrie, living in Lithuania and Belgium, but also spending considerable time in Germany and Uganda. Their family has grown to include eight kids; and when not contemplating the mysteries of the financial universe, their days are full with homeschooling, soccer and baseball practice, and piano recitals.

Dorian Antešić

Associate Advisor

Rooted in Europe and serving clients worldwide, Dorian advances Bona Fide Finance’s global, research-driven investment process. He is an Investment Advisor Representative and an associate advisor who leads the firm’s investment research and portfolio construction, giving each plan a consistent, evidence-based foundation so clients can stay disciplined through any market cycle. Working at the intersection of American and European finance and business culture, he helps families align portfolios with what truly matters to them. He is also working toward the Chartered Financial Analyst® (CFA®) designation.

His path into finance has been global from the start—and personal from a young age. Introduced to the world of finance and economics by his grandfather, an accountant and entrepreneur, Dorian grew up curious about how money moves and how families build durable wealth. He holds a bachelor’s degree in finance and accounting and a master’s degree in finance and banking, with studies across three countries: University of Rijeka (Croatia), Charles University (Prague, Czech Republic), and University of Coimbra (Portugal). He has lived in Croatia, the Czech Republic, Portugal, and Spain, and traveled to 22 countries across three continents. An explorer at heart, he continues to work remotely while traveling, building a wide network and a practical, cross-border perspective on how families can grow and preserve wealth.

Before joining Bona Fide Finance, Dorian worked with Sovereign Man (now Schiff Sovereign), exploring international real estate, offshore banking, and second residencies and citizenships to help families enhance their financial sovereignty. He also partnered with economist Saifedean Ammous, author of the bestselling The Bitcoin Standard, contributing research on the printing industry and helping establish a global fulfillment network for his books—work acknowledged in The Fiat Standard and Principles of Economics. Raised on the Adriatic island of Rab, he now lives in Croatia with his wife, Kim, and they are eagerly awaiting the arrival of their first child, Gabriel.

Bonnie Martinek

Administrative Assistant
Bonnie (Ben’s mom!) is a mother of 9 and a grandmother of 17. She has lived in rural Indiana her whole life and has a master’s degree in Special Education. In her own words, she’s done a little bit of everything but is a master of none (teaching, construction, manager of a corn maze, CNA, farm work, cashier, auto bodywork, and the list goes on!). Widowed in 2019, she is reinventing herself through her work in the day-to-day operations of Bona Fide Finance and client relations. Bonnie loves getting to know our clients and is happy to serve them well!

Deb Martinek

Relationships Specialist

Deb has been with Bona Fide Finance since its inception in 2015 and long before that with her support of Ben studying for the CFP designation and the dream of starting the business of helping individuals and families meet their financial goals.

She fills the Relationships Specialist role – Deb is typically the first encounter our new clients have as she walks them through our service offerings and introduces them to the map of financial literacy.

She has a bachelor’s degree from Ball State University and a master’s degree from the Franciscan University of Steubenville. Deb lives in Bismarck with Ben and their two young daughters, is a card-carrying member of the CDL club (read more about those adventures here) and is happiest reading an epic novel, solving a 1000-piece jigsaw puzzle, or working in her kitchen where she can serve love to the people in her life through quality food (clients enjoy her holiday shipment of homemade goodies each December!).

Ben Martinek

CFP®, EA, CSLP®, RICP®, Founder and Advisor

Ben Martinek, CFP®, EA, CSLP®, RICP®, is the founder and lead advisor at Bona Fide Finance, an independent, fee-only firm dedicated to helping doctors, young professionals, and growing families take control of their financial future. With a deep understanding of student loan debt—having tackled his own—Ben specializes in guiding clients through debt repayment strategies, smart investing, and comprehensive financial planning so they can build wealth with confidence. Ben’s passion for financial planning comes from his desire to provide honest, objective advice tailored to each client’s unique situation. He loves seeing the impact of his work, whether it’s helping a family pay off student loans years ahead of schedule, setting up an early retiree for financial freedom, or giving clients the peace that comes from knowing their finances are in order. His clients appreciate his thoughtful, high-touch approach, often saying that working with him has changed their lives.

Before launching Bona Fide Finance in 2015, Ben’s career path was anything but conventional. The fourth of nine children, he grew up in rural Indiana and initially pursued a path in academia, earning a B.A. in philosophy and classical languages, followed by a master’s degree in philosophy. Along the way, he explored careers in construction and truck driving—logging over 600,000 miles across the U.S. with his wife, Deb—before finding his true calling in financial planning.

Now based in Bismarck, North Dakota, Ben and Deb stay busy raising their two daughters, Edith and Virginia. Since their truck-driving days, Ben is happiest on a long road trip—preferably behind the wheel of his TDI Volkswagen Jetta. He enjoys sailing on Lake Sakakawea, camping in their vintage ’90s pop-up camper, and smoking a pipe by the grill. A lover of strategy board games, he favors Clans of Caledonia (mostly because Deb refuses to play Risk with him). When he’s not working with clients, he can be found smoking meat, gardening, hiking, or diving into The Lord of the Rings or Dune. Ben also serves on the school board for his daughters’ Montessori school and is actively involved in pre-marriage ministry in the Bismarck Diocese.