The nation's financial woes in the last few years have been a triple whammy for physicians. And as a result, many doctors fear for their future.

As with most investors, physicians took a hit to their portfolios during the downturn, watching helplessly as a decade of savings vanished and retirement plan goals became as fleeting as Brigadoon. At the same time, demand for many medical services soared, but payments for procedures and office visits shrunk as government programs and private insurers cut reimbursement rates.

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