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Get ready to be inspired and empowered in this special episode of Doctors Building Wealth, recorded live at the 2024 Fast FIRE to Freedom Summit! This dynamic panel features top physician entrepreneurs—Dr. Peter Kim (Passive Income MD), Dr. Bonnie Koo (Wealthy Mom MD), and Dr. Sunny Smith (Empowering Women Physicians)—sharing their unique paths from full-time clinical practice to building successful, impactful businesses.
In this candid discussion, they dive into how adaptability and persistence were key to their entrepreneurial success, the pivotal decisions that shaped their journeys, and the importance of leveraging community and mentorship to navigate challenges. They also share actionable strategies for building passive income through real estate and insights on creating the freedom to focus on what truly matters.
Listen now to hear how these doctors turned their entrepreneurial dreams into reality and gain practical advice to start or elevate your own journey today!
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this episode of Doctors Building Wealth, we sit down with real estate expert J. Scott for a comprehensive look at the state of the economy and what it means for investors in today’s market. J. offers valuable insights into where the economy is headed, including his thoughts on potential recession risks, interest rate trends, and the future of single-family home values. As someone who’s syndicated over $140 million in real estate and hosts the Drunk Real Estate podcast, J. brings a wealth of knowledge, breaking down complex topics in a way that's both accessible and actionable.
Whether you’ve been investing for years or are just getting your feet wet, J. Scott shares his strategies for navigating economic uncertainty, including how to protect your portfolio and capitalize on opportunities. Curious about whether now is the time to buy, hold, or sell? Tune in to hear J.’s expert analysis and practical advice, and find out how to stay ahead in today's volatile market. This is an episode you won’t want to miss if you're looking to thrive as a real estate investor in the months and years to come.
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this episode of Doctors Building Wealth, we’re thrilled to have Dr. Mark Allen, a physician, serial entrepreneur, and AI expert join us. Mark's not only a real estate investor, but he’s also been at the forefront of AI innovation for decades. Together, we explore how artificial intelligence is rapidly transforming both healthcare and real estate.
Mark shares eye-opening insights on how AI is revolutionizing real estate, from supercharging market research to streamlining processes that save both time and money. He explains how investors can harness AI tools to make smarter, faster decisions—and why staying ahead of this tech is critical to staying competitive in the future.
Whether you're new to real estate or a seasoned investor, this episode offers a rare look into how AI will reshape the way we invest. Listen in for practical, game-changing tips on how to use AI to scale your real estate business and stay ahead in this fast-evolving space!
Tune in now for game-changing insights that could level up your real estate investing!
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom
Take our quiz and see if real estate is right for you
Learn from more great content on our blogBe part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this episode of the Doctors Building Wealth podcast, we’re excited to welcome Amanda Hahn and Matthew McFarland, the dynamic duo behind Keystone CPA and bestselling authors. They’re here to share game-changing tax strategies for real estate investors—without relying on the short-term rental loophole or real estate professional status.
Amanda and Matt reveal how you can use real estate to offset your W2, 1099, and business income, while maximizing depreciation and leveraging powerful tax advantages. Whether you're new to investing or already building your portfolio, this episode is loaded with practical, actionable tips that will help you protect your income, boost your tax savings, and take your real estate game to the next level.
Don’t miss this one—it could transform your financial future!
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this episode of the Doctors Building Wealth podcast, we sit down with Tyler Curly, owner of Path Insurance Solutions and our trusted insurance broker since 2015. Tyler joins us to explain key changes and challenges in today’s market. From the rising costs due to inflation and supply chain disruptions to severe weather events and the impact of “nuclear verdicts” on claims, Tyler shares invaluable insights into how these factors are driving up insurance rates across the country.
Tyler also discusses critical strategies for real estate investors to protect their assets, including the importance of working with an experienced insurance broker, increasing deductibles, and navigating the complexities of insurance in high-risk areas like Texas, Florida, and California.
Whether you're a seasoned investor or just starting out, this episode offers actionable advice on planning for rate hikes, ensuring accurate cash-on-cash calculations, and negotiating property purchases in today's challenging insurance market—don't miss this episode!
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this episode of the Doctors Building Wealth podcast, Leti and Kenji unveil some of the most brilliant real estate wealth-building ideas that have emerged from our extraordinary investor community over the past year.
With over 3,000 high-achieving and resourceful students who have completed their Zero to Freedom course, they’ve witnessed incredibly innovative approaches to real estate investing. These standout stories showcase how to significantly boost property values and cash flow.
Tune in to discover the creative strategies that have empowered their community members to build substantial wealth. Don't miss this episode!
__________________________________________________________
Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this episode of the Doctors Building Wealth podcast, Leti and Kenji dive into a common issue facing many real estate investors: why so many accountants miss critical real estate deductions. They reveal surprising insights from their own experiences and explain why specialization in real estate taxes is crucial for maximizing your tax savings.
Join Leti and Kenji as they share stories of significant tax savings achieved by clients who switched to specialized CPAs and highlight the importance of proactive tax planning. They also touch on the complexities of real estate tax laws, the pitfalls of working with general CPAs, and the steps you can take to ensure you're not leaving money on the table.
Don't miss this episode to learn how to optimize your tax strategy, uncover common overlooked deductions, and get practical advice on finding the right CPA for your real estate investments. Tune in to ensure you’re fully capitalizing on the tax benefits available to real estate investors!
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this episode of the Doctors Building Wealth podcast, Leti and Kenji delve into an exciting and innovative investment strategy: converting hotels into multi-family housing. Over the past few years, they've explored this niche and discovered significant opportunities for forced appreciation, providing affordable housing, and capitalizing on the discounted prices of hotel properties. They'll discuss their journey, from almost investing in a student housing project in 2019 to becoming general partners in converting over 1,000 hotel doors into affordable housing units.
Listen to discover the dual benefits of forced appreciation from both asset conversion and property upgrades, making this a lucrative venture for real estate investors. Additionally, they discuss the importance of addressing the affordable housing shortage and how these conversions can create vibrant community spaces. This episode is packed with insights on navigating the challenges of these projects, building the right team, and seizing opportunities in a changing market. Tune in to learn how you can apply these strategies to your own real estate portfolio and make a meaningful impact.
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this episode of The Doctors Building Wealth podcast, Leti and Kenji are sharing their top meaning experiences from their past year. They emphasize the importance of intentionally scheduling time for personal growth and family activities in order to create and build memories. Doing this has not only enriched their lives, but also strengthened their relationships with each other and their children. They highlight their unforgettable journey to the Ice Hotel in Quebec—a dream fulfilled that offered their children a magical snow experience, a rarity for their Puerto Rico-based family. They also touch on other family trips taken throughout the year to build joy and connection.
Throughout the episode, Leti and Kenji reveal the importance of planning these experiences despite their busy professional and parenting schedules. They advocate for setting clear goals and managing time effectivenly to ensure these activities aren't overlooked. Tune in to discover how you can maintain a work-life balance and get inspired to prioritize meaningful experiences and lasting memories!
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In our latest episode of Doctors Building Wealth, we reveal which books have kick-started our mornings, turbocharged our goal setting, and completely reshaped our approach to both life and entrepreneurship.
Imagine a book so powerful it transforms your morning rituals, another that redefines your time management, and yet another that guides you to financial mastery in ways you never thought possible.
This episode is more than a must-read list; it's a roadmap filled with insights and strategies ready to transform how you tackle your day, manage your finances, and chase your goals. Listen now to discover the seven titles that could be the catalyst for your next big leap.
Ready to see our entire list of transformative must-read books for success? Click here! Your bookshelf will never look the same!
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this Doctors Building Wealth podcast episode, Kenji and Leti tackle the critical topic of syndication capital calls and their impact on real estate, spotlighting a recent event where a Houston multifamily syndicator faced foreclosure on 3,200 units. This scenario highlights the unpredictable nature of real estate investing and the importance of being prepared for sudden market changes.
Kenji and Leti discuss the increasing frequency of capital calls and caution against the current market's instability, especially with high interest rates. As they note, you'll find an abundance of advice from inexperienced investors, but rarely from those who have weathered previous downturns. Drawing from their own experiences and historical market crises, like the 2008 financial crisis and the onset of COVID-19, they emphasize the value of humility and learning from both successes and failures.
Tune into this pivotal episode, and let Leti and Kenji's practical wisdom, hard-earned lessons, and strategies for resilience guide your next investment move—and equip you for the opportunities and unpredictable journey ahead in real estate!
__________________________________________________________Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this riveting episode of our latest Doctors Building Wealth podcast, we're delving into a story that goes beyond physical endurance to explore mental resilience and strategic thinking. We're interviewing Erwan David Le Roy, a man who left behind the predictability of a corporate job to plunge into the real estate realm with the same tenacity he battled the icy waves when he later swam the English Channel.
This episode goes beyond physical endurance to explore mental resilience and strategic thinking. Erwan's story is a testament to viewing challenges as opportunities for growth and innovation.
How did he do it? Through meticulous preparation, unwavering perseverance, and the strategic cultivation of a network that would catapult him to success. This episode is a blueprint for turning your aspirations into achievements, demonstrating the transformative power of a positive mindset, and the courage to embrace change.
Don't let this be the episode you miss; it might just be the catalyst for your next big leap.
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In the second installment of our two-part podcast episode: 10 Keys to Scaling Your Real Estate Portfolio, Leti and Kenji reveal the final five keys that have supercharged their real estate growth. Continuing from where part 1 left off, they focus on practical strategies like reinvesting profits, leveraging tax advantages, and more. Don't miss this Doctors Building Wealth episode to get the exact steps they've taken to scale and grow their portfolio so quickly.
Whether you're a seasoned investor aiming to expand your portfolio or a newcomer ready to take the plunge, these insights are designed to equip you with the knowledge to thrive in today's dynamic real estate market. Tune into part 2 for a concise roadmap to elevating your real estate investments.
__________________________________________________________
Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blogBe part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this Doctors Building Wealth episode, Leti and Kenji explore how to scale your rental real estate portfolio quickly. It’s all about belief and ambition. Realizing these aren't just buzzwords but essential tools, they explain how they've managed to scale their own portfolio significantly.
They tackle the nuts and bolts of leveraging debt smartly, choosing the right properties, and the critical role of reinvesting. By addressing common scaling fears, they turn them into opportunities for growth.
A key part of this episode focuses on the strengths of partnerships, networking, and raising capital. It's not just about having money; it's about leveraging relationships and resources to fuel growth. They also cover maximizing tax benefits in real estate - a game-changer for your portfolio.
This episode is also about a mindset shift in real estate investing. It's for anyone in the game - newbies or veterans. It's not just about growing your portfolio; it's about evolving as an investor in this ever-changing real estate world.
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.
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In this Doctors Building Wealth podcast, Leti and Kenji dive into the often-misunderstood art of goal setting. They tackle six common pitfalls in the goal-setting process and provide practical solutions.
Key highlights include the power of emotionally charged goals, the need for specific, measurable, and ambitious targets, and the importance of not underestimating your own potential.
Leti and Kenji advocate for '10x' goals – goals so big they push you out of your comfort zone. They also share insights on maximizing your goal-setting energy. Tune in to learn more and join our "Embrace Your Fears" challenge for a deep dive into effective goal-setting strategies. This episode is crucial for anyone aiming to seriously up their goal-setting game.
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Looking to learn more? Check out some of our most popular content:
Join the waitlist for our flagship course, Zero to Freedom Take our quiz and see if real estate is right for you Learn from more great content on our blog
If you enjoy the Doctors Building Wealth podcast, check out our real estate training, Ignite Your Journey. Get exclusive, actionable advice and resources about creating financial freedom through cashflowing rentals! Click the link to enroll.Have someone who you think should be featured in a future episode? Comment or let us know on our socials (@semiretired md on Instagram)! Also, don’t forget to share and leave us a 5 star review on Apple Podcasts if you loved this episode!
Be part of the conversation - follow our general Semi-Retired MD Facebook page and then join our doctors or professionals group!
Semi-Retired M.D. and its owners’, presenters’, and employees are not in the business of providing personal, financial, tax, legal or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this podcast. Semi-Retired M.D., this podcast, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed, and certified professionals should be sought. In addition, Semi-Retired M.D. does not endorse ANY specific investments, investment strategies, advisors, or financial service firms.c
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