Episodi
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If youâre a freshly minted physician just stepping out of residency or fellowship, the last thing you need is another decision demanding your urgent attention. But thereâs a flurry of emails, conversations in hospital cafeterias, and ads in your inbox pushing one message hard: âGet disability insurance now, or else.â Itâs intense, itâs relentless, and itâs not the full story.
Whatâs often left unsaid is that while disability insurance is crucial, potentially one of the most important financial decisions of your early career, youâre not on the clock in the way youâve been led to believe. The notion that your opportunity to secure discounted coverage vanishes on July 1st? Thatâs marketing pressure, not reality.
The smarter approach begins by pulling back from the noise and focusing on what actually matters: long-term income protection that aligns with your career and health profile. Guaranteed Standard Issue (GSI) policies often represent a one-time shot at securing coverage without the scrutiny of traditional underwriting. The problem?
Most physicians are unaware that their program may already offer this, or theyâre being steered away by agents who either lack access or prioritize their own commissions. This conversation cuts through the noise, giving you the context, timing, and key signals to watch for, so you can make this choice with the clarity it deserves.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (00:00) Before you sign anything for disability insurance. (01:10) Debunking the July 1st deadline myth. (02:45) How much time you really have and what to do with it. (04:55) Why GSI policies are a once-in-a-lifetime opportunity. (07:00) Common pitfalls and how to avoid bad advice. (09:20) The truth about who controls GSI access (and why it matters). (11:35) Locking in GSI now vs. hoping for second chances later. Why Youâre Being Pressured, and Why You Can Take a BeatEvery year around graduation, thereâs a wave of messaging that tries to convince physicians they need to lock in disability insurance immediately or risk losing everything. The emails sound urgent, the reps sound convincing, and the deadline, July 1st, is treated like itâs carved in stone.
But that sense of panic is manufactured. Whatâs really happening is that disability insurance is both important and profitable, and that combo makes it ripe for pressure tactics. You donât need to jump the moment someone flashes a discount. Most programs that offer discounts, especially GSI access, give you a runway of 90 to 180 days after graduation.
Thatâs built-in breathing room. So if youâre just trying to get your feet under you post-training, know that youâre not too late. The people who rush this decision often end up with the wrong coverage, or worse, locked out of better options.
GSI Policies Arenât Just Nice to Have, They Might Be Your Only ShotThe idea that you can just âupgrade laterâ or âshop aroundâ doesnât hold water when it comes to GSI policies. These arenât something you can casually circle back to once youâve settled into your attending role. If your training program offers a GSI, that might be the only window in your career to secure disability coverage with zero medical underwriting.
That means no bloodwork, no exams, no questions about your health history, just locked-in coverage based on your job and income potential. And hereâs the kicker: a lot of physicians never even hear about these options because their program doesnât officially publicize them. The access point isnât the hospital or university; itâs the insurer and its appointed agents.
If you donât know the right person, you wonât even know what youâre missing. Thatâs why relying on generic advice, or worse, pressure from someone who doesnât have access to GSI, is a fast way to lose out on your strongest coverage option.
Smart Strategy Beats Fast Action Every TimeItâs tempting to equate speed with responsibility, especially when youâve just stepped into the world of attending paychecks and adult-sized decisions. But strategy wins in the long run. Taking time to verify whether your program offers a GSI, learning who has access to it, and comparing your options before signing anything?
Thatâs what puts you in control. A GSI policy can be your foundation. You can always layer on a traditional policy later if your income or needs change. What matters most is locking in insurability while itâs still on the table. Not because someone told you to do it today, but because you made a calm, informed choice in your best interest.
The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned Tyler Olsonâs advisory firm - https://olsonconsulting.com GSI policy provider - https://www.guardianlife.com GSI policy provider - https://www.standard.com Stephanie Pearsonâs insurance team - https://www.physiciandisability.com Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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You might think that making more money solves more problems, but early-career physicians know it can have the opposite effect. The moment you or your partner graduate, sign a contract, or even get engaged, your financial world shifts. And if one of you has massive student loans tied to forgiveness programs like PSLF, those life events donât just change your lifestyle; they can completely upend your loan strategy. In this episode, we examine how a personal decision like marriage can lead to substantial changes in your repayment plan, tax filing decisions, and long-term financial outlook. And we donât stop at hypotheticals, we walk through actual numbers and scenarios, including couples holding off on marriage for years, all in the name of student loan optimization.
But itâs not just about marriage. From the confusion around SAVE plan forbearance to the overlooked tax traps in your first attending year, we break down the key decisions that tend to sneak up on you the moment your income goes up. This isnât about turning you into a financial planner, itâs about giving you the clarity to act (or not act) with purpose. We talk about what to avoid, when to wait, and how to spot the quiet mistakes that could cost you thousands. Whether youâre transitioning out of fellowship, newly navigating PSLF, or just trying not to mess up your first six-figure paycheck, this episode gives you the financial footing you didnât know you needed.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (00:00) Intro and Jeremyâs student loan + marriage question (02:00) PSLF, joint income, and tax filing decisions (05:30) Should couples delay marriage for a loan strategy? (09:20) SAVE plan uncertainty and dual-loan households (13:40) Tax moves when going from fellow to attending (23:20) Are DFA and Avantis worth the cost? Understand how your partnerâs student debt changes your financial realityIf one of you has six figures of med school debt and the otherâs making solid income, your financial life just got way more complicated. I lay out how your partnerâs loan situation can impact PSLF eligibility, how your tax filing status plays into it, and why your stateâs laws might push the numbers in a direction you didnât expect. This isnât just about love and money, itâs about knowing how the system treats you once youâre linked on paper.
Know when to act, and when to chill, on student loan plan changesWith the SAVE plan in limbo, making a move right now could do more harm than good. If youâre in forbearance, stuck in application purgatory, or wondering whether to jump plans, this part is for you. A lot of borrowers feel stuck, but sitting tight might actually be the smart play.
I walk through why filing new forms too early can lock you into the wrong plan, what âwaiting it outâ should actually look like, and how to stay informed without stressing daily. The key is knowing what to watch for and how to be ready the second new rules drop. Reacting early could cost you forgiveness dollars down the line.
Stop the tax + investment mistakes that trip up new attendingsWhen your pay triples overnight, so do your financial blind spots. I walk through common errors I see first-year attendings make: over-contributing to retirement accounts, accidentally triggering Roth IRA penalties, and getting blindsided by taxes on forgivable bonuses. Add in SAVE changes or leftover training-year quirks, and things get messy fast. If youâre trying to stay organized while your income spikes, this is how you do it without leaving money on the table or owing it back in April.
The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service https://www.irs.gov/payments Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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Episodi mancanti?
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Imagine waking up tomorrow and not being able to work, no more surgeries, clinic, or call shifts. For most physicians, your ability to earn an income is your single greatest financial asset, yet few stop to consider how vulnerable it is. If youâve never heard of âown occupationâ disability insurance or assumed your employer coverage is enough, this episode is your wake-up call.
Hosts Chad and Tyler explain why disability insurance isnât just another box to check; itâs a cornerstone of financial security, especially early in your career. Whether you're still in medical school, knee-deep in residency, or just landed your first attending job, they unpack the real-world scenarios that could derail your income and why coverage matters more than you think. They even dive into misunderstood details like Roth IRA withdrawals, 401(k) loans, and the tradeoffs of different insurance riders.
By the end of this episode, youâll not only understand why disability insurance is crucial, youâll also know what kind to get, when to get it, and how to avoid the most common (and costly) mistakes. Because protecting your income isnât pessimistic, itâs smart.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (00:00) Why they recorded the episode from a hotel room. (01:39) Using Roth IRA funds for a first home. (06:51) Comparing Roth withdrawals to 401(k) loans. (09:50) When med students should buy disability insurance. (13:32) Making disability premiums manageable in training. (17:03) Is disability insurance truly necessary? (24:09) GSI policies vs. fully underwritten ones. Your Roth IRA Isnât a Down Payment StrategyWe get why people look to their Roth IRA when buying their first home; it feels accessible, and technically, the IRS allows up to $10,000 of gains to be withdrawn penalty-free for a qualifying first-time purchase. But that move comes with big trade-offs. You're not just taking money out; you're giving up the compounding, tax-free growth that makes the Roth so powerful over time. For physicians, especially, whose earnings potential compounds alongside their investments, pulling from a Roth early is almost always a step backward.
Instead, we suggest exhausting smarter options first, like physician mortgages that offer zero percent down and avoid private mortgage insurance. If you're tempted to touch the Roth, itâs likely a sign that the timing of your purchase might be too soon. The takeaway: your Roth is a long-term asset. Treat it that way.
Disability Insurance Isnât Optional - Itâs FoundationalToo many physicians treat disability insurance like an afterthought, something to handle later when theyâre making more or finally âsettled.â But the risk of becoming unable to work, even temporarily, is real. And unlike life insurance, the odds of needing disability insurance during your working years are much higher. Thatâs why getting coverage early isnât just smart, itâs essential. The younger and healthier you are, the better your pricing and options. Wait too long, and even a small health issue could disqualify you or lead to costly exclusions.
We also dig into how to make this work on a residentâs budget. Graded premium structures let you start with lower monthly costs that rise over time, giving you solid protection without gutting your cash flow. If youâre in training or transitioning into your first attending role, this is the moment to get it done. Donât wait for âlaterâ to turn into too late.
GSI Policies Are a Great Start - But Donât Stop ThereGuaranteed Standard Issue policies are a gift for trainees, they donât require medical underwriting and ensure coverage even if your health history isnât perfect. But once youâve locked in a GSI, the smart move is to see what else might be available. We often recommend comparing it with a fully underwritten policy to check for better pricing, added benefits, or more tailored coverage. Youâve got nothing to lose and possibly a lot to gain.
And keep in mind, it doesnât have to be either-or. For many physicians, keeping the GSI as a foundational policy and layering on another plan is the best way to maximize benefits. Especially if your career and income are about to scale, make sure your disability coverage scales with it.
The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned https://www.guardianlife.com Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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Itâs not like physicians wake up thinking about disability insurance. But you might wish you had. Today, Dr. Stephanie Pearson shares a raw, firsthand account of the career-ending injury that forced her to trade the OR for the insurance world. Her story doesnât just highlight the importance of coverage, it exposes the hidden traps in policies that too many doctors assume are solid. The goal here isnât fear; itâs preparation. And her lived experience lays out a compelling case for why most physicians walk around with a false sense of security.
We also get into what âtrue own-occupationâ means, why group policies might leave you stranded, and how terms like âspecialty-specificâ can change everything when it comes time to file a claim. Alongside co-hosts Chad Chubb and Tyler Olson, Stephanie unpacks how to evaluate a policy, which riders matter, and why being a non-proceduralist doesnât mean youâre safe. If youâre a physician who thinks youâre already covered, this conversation may be the wake-up call you didnât know you needed.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (0:00) When âcoveredâ doesnât mean protected (06:28) Losing a careerâand finding a calling (09:28) Why her team doesnât work on commission (10:59) What âown-occupationâ really covers (14:44) The fine print that costs doctors everything (24:55) The rider that looks helpful, but isnât (34:42) Why cognitive issues can end any career The injury that ended her clinical career and launched a missionDr. Stephanie Pearson was an OB/GYN who thought sheâd retire on her own terms. But one emergency delivery changed everything. After being kicked during a high-stakes birth, she suffered a torn labrum, nerve damage, and frozen shoulder, ending her surgical career. Then came the shock: her group policy didnât cover work injuries, her private policy had gaps, and workersâ comp denied her.
What began as devastation became a mission. She studied policy fine print, passed exams, and built a firm advocating for physicians. Her story isnât just about injury, itâs about a failed system and the purpose she got out of it.
Why your disability policy may not mean what you think it doesPhysicians often assume theyâre covered, especially through an employer plan, but most donât realize how misleading policy language can be. Stephanie explains how terms like âown occupationâ or âspecialty-specificâ vary by carrier, and how group plans often include pitfalls like two-year limits or shifting definitions. Some define your job using national data, not what you actually do. That means you might still be able to work, but not in your specialty, and lose benefits.
Payouts arenât automatic. Underwriting can be slow and frustrating. Stephanie shares questions physicians should ask: Whatâs excluded? How long is mental health coverage? Does the definition of disability change? If the answers arenât clear, your policy might not catch you.
Disability insurance isnât just for surgeonsItâs a myth that non-proceduralists donât need coverage. Stephanie shares stories of psychiatrists, internists, and pathologists whose careers were derailed by illness or injury. Most claims her firm sees arenât about physical limitations. Cognitive issues, mental health struggles, and chronic illness can be just as disruptive.
If your income supports your life, you need protection. Whether youâre building wealth or are already financially stable, the goal is the same: if something happens, youâll need a trustworthy plan.
The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned PearsonRavitz official site - https://pearsonravitz.com Stephanie Pearson bio page - https://pearsonravitz.com/team/stephanie-pearson-md/ Connect with Stephanie Pearson Connect with Stephanie Pearson on LinkedIn Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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Physicians assume that once their income stabilizes and their savings plans are in place, they will have peace of mind. But what if that peace never shows up? What if, despite doing everything âright,â they still feel anxious, distracted, or perpetually behind? In this episode, we explore a surprising culprit: the emotional toll of financial noise - the relentless stream of news, updates, social media posts, and peer chatter that quietly chips away at your well-being.
Today, weâll walk through real-world examples of clients with rock-solid plans who nonetheless feel like the sky is falling, often because of a tweet, a headline, or a half-baked take on PSLF. They highlight how easy it is to internalize fear and stress derived from sources of information that are inaccurate and irrelevant to your financial reality. The problem isnât a lack of money, itâs a lack of mental margin.
Youâll leave this episode with two core takeaways: a reminder that boring investing is often the smartest kind; and second, a clear strategy for reclaiming control over what information you let into your brain. Because in a world where financial anxiety can be manufactured by a bot on a Sunday, the ability to filter noise isnât just a nice-to-have, itâs essential.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in...(0:00) Financial stress that isnât about the numbers
(3:30) How news and social media hijack our financial decisions
(4:45) Why âboring investingâ beats trying to time the market
(7:00) The disconnect between being financially fine and feeling financially fine
(8:50) Rules and boundaries around news and social media consumption
(13:10) A real-time example: PSLF panic caused by a website glitch
(17:00) Refocusing on what you can control when the financial world feels chaotic
The Hidden Stressor in Your Financial Life No One Talks AboutMost of us assume that we wonât have to worry about our finances once weâve hit a certain income level or dialed in our investment strategy. But time and time again, we meet with physicians who are doing all the right things - saving, investing, managing debt, and still feel uneasy.
That stress often stems from something intangible: the constant noise in the financial atmosphere. Whether itâs a headline about student loans, a friendâs market hot take, or a viral tweet about PSLF vanishing overnight, this kind of input doesn't just inform us, it can overwhelm us, hijack our sense of control, and leave us in a persistent state of financial unease.
How to Filter the Noise Before It Hijacks Your DecisionsItâs not the presence of information thatâs the problem, itâs the volume and velocity. With social media platforms and news alerts pinging us 24/7, our brains are stuck in a loop of reacting rather than responding. Weâve seen this happen firsthand: clients with airtight plans suddenly spiral over a rogue tweet or misinterpreted update.
The solution isnât to bury your head in the sand, but to build intentional filters. That might mean muting certain keywords, uninstalling apps from your phone, or limiting your news intake to one reliable source, once per day. You don't need to know everything the moment it happens. You just need a clear enough head to make good decisions when it counts.
The Power of Re-Centering on What You Can ControlWhen the noise around you gets louder, the smartest move is to tune it out and refocus on your own financial plan. We remind our clients to concentrate on what they can control, like how much they save, how consistently they invest, their daily spending habits, and the strength of their cash reserves. These are the levers that truly drive progress in your financial life.
Ruminating on policy changes, market predictions, or viral rumors wonât. That kind of anxiety doesnât just cloud your judgment, it can chip away at your health. And we all know: health is wealth. The goal is a life where your finances support your peace of mind, not compete with it.
The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People MentionedStudentAid.gov â https://studentaid.gov
Connect With Physician CentsWealthKeel LLC
Olson Consulting LLC
Tyler Olson on Twitter
Chad Chubb, CFPÂź, CSLPÂź on Twitter
Subscribe to Physician Cents
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Physicians donât realize theyâre financially exposed â not just to malpractice, but to everyday events like fender benders, lawsuits, or even divorce. Asset protection sounds like something complex or reserved for the ultra-wealthy, but in reality, there are basic, easy-to-implement steps that can make a big difference. This episode starts by opening your eyes to just how vulnerable your assets might be right now â especially if you havenât taken any proactive measures to protect them.
As the conversation unfolds, hosts Chad Chubb and Tyler Olson break down four practical and approachable strategies: using ERISA-protected retirement accounts, adding umbrella insurance, titling assets under Tenancy by the Entirety, and yes â prioritizing date nights to reduce divorce risk. They emphasize how these simple tools offer high-impact protection without requiring legal complexity or advanced financial strategies. Even if youâre still in training, these moves can strengthen your financial foundation early.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in...(0:00) Asset Protection for Physicians 101
(2:11) The four simple strategies theyâll unpack â previewed
(4:00) ERISA-protected retirement accounts: Why not all tax-deferred accounts are equal
(9:23) Umbrella insurance: The overlooked, high-leverage layer of protection
(17:08) Tenancy by the entirety: A small checkbox with big consequences
(24:44) Why divorce is often the biggest financial threat â and how to be proactive
(30:32) Recap of the 4 steps and why simplicity is the real win
Asset protection doesnât have to be complicated to be powerfulWhen people hear âasset protection,â they often think of trusts, lawsuits, and estate attorneys. But there are a handful of basic moves that can go a long way without requiring any legal background. I walk through four of them that we see overlooked all the time: using ERISA-qualified accounts, adding umbrella insurance, using the right account title if you're married, and paying attention to your relationship. You donât need to be ultra-wealthy to benefit â you just need to take a few small actions most people skip.
Retirement accounts arenât all created equalThereâs a big difference between where your retirement money lives and how well itâs protected. A lot of people move old 401(k)s or 403(b)s into IRAs without realizing theyâre giving up a layer of legal insulation. ERISA-qualified plans often have stronger protection from lawsuits and creditors, and that matters when your name and profession make you a target.
Itâs not just about shielding against the worst-case scenario â itâs about stacking the odds in your favor. If something happens and you're named in a lawsuit, the type of account your money sits in could determine whether itâs accessible or untouchable. This is also one reason we suggest keeping those workplace plans intact rather than rolling them over the minute you change jobs.
On top of that, there are ripple effects. Moving money into a traditional IRA can also interfere with other planning tools, like the backdoor Roth strategy. So what looks like a simple admin task â consolidating accounts â can actually weaken both your tax planning and your protection. Better to know that now than later.
The biggest threat to your wealth might not come from a lawsuitPeople worry about malpractice or getting sued in a car accident, and they should. Thatâs why umbrella insurance and proper account titling matter. But we also talk through something even more common: divorce. It's not just an emotional disruption â it's a financial event. We touch on how intentional time together can reduce that risk and why asset protection includes relationships, not just accounts. Itâs easier to maintain connection than to repair damage.
The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People MentionedERISA (Employee Retirement Income Security Act) - https://www.dol.gov/general/topic/retirement/erisa
Umbrella Insurance Overview â National Association of Insurance Commissioners (NAIC) - https://content.naic.org/article/whats-umbrella-policy
Connect With Physician CentsWealthKeel LLC
Olson Consulting LLC
Tyler Olson on Twitter
Chad Chubb, CFPÂź, CSLPÂź on Twitter
Subscribe to Physician Cents
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Youâve matchedâcongrats! But now what? As you transition from med school to residency, financial decisions are about to get real, and the steps you take now can make a huge difference in your financial future.
Many new residents donât realize how much financial planning matters at this stageâthings like student loans, budgeting, and even insurance may seem like details you can handle later, but getting ahead now can save you serious money (and stress) down the road.
Federal student loans, private refinancing, and income-driven repayment plans all come with deadlines and fine print that can affect how much you pay long-term. Credit card debt and budgeting also need attention, especially with the gap between your last med school disbursement and your first residency paycheck. Employer benefits like 403(b) contributions and disability insurance can offer protection, but knowing which options to choose makes all the difference.
By the time residency starts, the goal is to have a plan in place so financial worries donât pile up on top of patient care. Small moves now can put you in a stronger position for the years ahead. The transition from med student to resident is big, but getting organized financially can make it a whole lot easier.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (0:00) Matched, Now What?! (2:30) Student loans (13:20) Credit cards & budgeting (23:10) Employer benefits (24:45) Disability insurance (27:50) Final thoughtsThe best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned StudentAid.gov â Federal student loan consolidation and repayment plans Laurel Road â Physician-focused student loan refinancing and banking Michael Relvas â Disability insurance specialist for physicians Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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Most physicians assume their first contract is a âstandard agreementâ that everyone signs without question. But as Kyle Claussen, CEO of Resolve, reveals in this episode, thereâs no such thing as a truly standard physician contract.
From compensation structures to non-compete clauses and tail coverage, every detail can significantly impact your financial future and career flexibility. Yet, many doctors accept these contracts at face value, unknowingly leaving money on the table or committing to restrictive terms that could hinder them down the road.
By the time a physician realizes a contract term is unfair, itâs often too late. Thatâs why Kyle emphasizes the importance of negotiationâeven for new attendings who feel they have little leverage.
With insights into compensation benchmarks, legal loopholes, and real-life examples of contract pitfalls, this episode equips physicians with the knowledge they need to advocate for themselves. Whether youâre reviewing your first contract or renegotiating your current one, this conversation is a must-listen for any doctor who wants to be treatedâand paidâfairly.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (0:00) Why âStandard Contractsâ are anything but standard (2:30) Do residents need an attorney for training contracts? (4:00) Your first attending contract: Why "standard" is a myth (7:10) Compensation pitfalls & the long-term impact of a low starting salary (9:10) The hidden dangers of tail coverage (16:00) The biggest red flags in physician contracts (24:50) Side gigs, burnout, and financial freedomThe best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned Resolve Bain & Company Report CMS Compensation Guidelines Connect with Kyle Claussen Resolveâs website Kyle Claussen on LinkedIn Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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Lots of physicians wonder: If I can manage my own investments, why pay an advisor? Itâs a fair question. If you're comfortable picking index funds and setting up automated contributions, whatâs left for an advisor to do?
This conversation unpacks the real value of financial planning beyond investments. From student loans and tax decisions to asset protection and estate planning, there's much more to consider than just growing a portfolio. Many assume an advisorâs worth is tied to investment management alone, but the real benefits show up in unexpected areasâespecially as life and finances become more complex.
We break down when it makes sense to hire an advisor, how to recognize a good one, and whether paying for professional help actually leads to better financial outcomes. Whether you're just getting started or re-evaluating your financial team, this discussion helps bring clarity to an often misunderstood topic.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (0:00) Why Pay an Advisor at all? (1:20) When to hire a financial advisor (3:29) Flat fee vs. AUM: Key differences (7:41) What to look for in an advisor (14:20) Misconceptions about financial advice (25:10) Spotting red flag advisors (34:40) Finding the right long-term fitThe best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned Certified Financial Planner (CFP) Board Tyler Olsonâs Personal Finance Resources List National Association of Personal Financial Advisors (NAPFA) Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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Managing your own investments can feel empoweringâespecially when you've done the research and built a solid plan. But when does the complexity of financial planning cross the line from DIY-friendly to requiring professional help?
Thatâs exactly what Dr. W is wondering. As a resident who's been diligently managing an all-equity portfolio, heâs now questioning when and if a financial advisor would be worth the cost. Whatâs the real value of professional advice, and how does it stack up against a well-educated, self-managed approach?
We unpack the tangible and intangible benefits of working with a financial planner, from tax management and asset allocation to the critical role of behavioral coaching. The answers may surprise even the most financially savvy physicians.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (4:50) The financial industryâs value problem (7:10) The gap between advisor cost and value (9:10) How to tell if an advisor adds value (13:30) The hidden cost of bad advice (18:00) Why behavior & tax strategy matter (22:40) What to ask when hiring an advisor (27:30) Tax planning: the advisorâs edge (36:20) Final thoughts on advisor selectionThe best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned Vanguard Advisorâs Alpha Michael Kitces Bogleheads Community Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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What does it take to pave the way for the next generation while navigating the scars of being first? When we sat down with Steve Sample, an emergency medicine physician, we were struck by his mix of gratitude, hard-earned wisdom, and tough decisions.
From his untraditional path into medicineâstarting as a young father with dreams of becoming Garth Brooksâto now supporting his daughter through medical school, Steve offered a candid look at the challenges and triumphs of being a first-generation doctor building generational wealth.
We explored the financial and emotional realities of supporting a child through one of the most expensive educational journeys out there. Together, we unpacked big questions: How do you balance a childâs dreams against daunting debt? What financial lessons can you pass along while helping them build independence? And how do families create equity among siblings while setting the next generation up for success?
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (00:00) How physicians manage family finances while building generational wealth (00:34) Steve Sampleâs journey from aspiring musician to emergency medicine doctor (02:15) Lessons from a nontraditional path to medicine and early financial struggles (06:00) Supporting kids through medical school without sacrificing independence (16:30) Preparing for fourth-year med school costs and residency transitions (27:00) Smart strategies for retirement savings and long-term wealth building (33:40) Balancing career demands with family life and personal healthThe best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned Air Force Health Professions Scholarship Program (HPSP) fact sheet Public Service Loan Forgiveness (PSLF) Connect with Steve Sample Steve Sample on LinkedIn -
In the last couple of episodes, weâve started to scratch the surface when it comes to the importance of disability insurance.
Navigating the world of disability insurance as a physician can be complex, especially when it comes to understanding how medical conditions impact coverage eligibility.
In this episode of Physician Cents, Larry Keller breaks down the most common medical issues that lead to disqualification or exclusion from coverageâand what you can do to protect yourself.
From understanding Guaranteed Standard Issue (GSI) plans to spotting red flags with agents, Larry shares invaluable insights to help you make informed decisions. Tune in to learn why this foundational aspect of financial planning is critical to getting right the first time.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... (0:00) Introducing Larry Keller of Physician Financial Services (5:38) Common medical issues that will disqualify you from coverage (16:05) The two types of GSI plans available on the market (18:07) Some myths circulating about guaranteed standard issue offers (22:34) Red flags to watch out for with GSI agents (27:00) Why doesnât every program offer a GSI? (28:42) How to determine if you shouldnât get a GSI (41:39) How to find a trusted insurance agent (48:05) How disability insurance protects your futureThe best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned Why Every Physician Needs Disability Insurance with Michael Relvas, CFPÂź, Ep #18 Exploring Financial New Yearâs Resolutions with The White Coat Investor, Ep #20 Connect with Larry Keller Physician Financial Services Connect on LinkedIn Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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Is your financial house in order for 2025? In this special episode of Physician Cents, weâre joined by Jim Dahle, the one and only "White Coat Investor," to help you tackle the financial âresolutionsâ every physician should embrace. From crafting a rock-solid financial plan to protecting your health and wealth, this conversation is packed with actionable advice to start the year strong.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... Get a financial plan in place [1:55] Get educated about debt [4:32] Invest in date nights [7:01] Get disability insurance [8:33] Spend money on something that makes you feel alive [17:51] Protect your health alongside your wealth [22:57] Be intentional with your portfolio design [25:22] Get a values-based system in place [30:25] Learn about the Physician Wellness & Financial Literacy Conference [33:22]The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned The Physician Wellness & Financial Literacy Conference Connect with Jim Dahle The White Coat Investor Connect on LinkedIn Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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Debt is a reality that most medical professionals face, with 78% of graduating medical students carrying substantial loans. Itâs not the easiest topic to discuss, but itâs a critical one. For most, debt is a significant piece of the financial puzzleâand knowing how to manage it effectively can shape your future.
In this episode, Jenny Twomeyâthe Community Communications Lead at Earnestâjoins us to break down loan repayment and refinancing. Weâll explore the pros and cons of refinancing, how to evaluate your loan options, and the key factors to consider when making these decisions. Whether youâre just starting out or looking to take control of your financial future, this conversation is packed with insights you can use right away.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... Navigating repaying private student loans [2:14] What is debt? How does it work? [8:09] Who shouldnât consider refinancing? [11:56] Who should consider refinancing? [17:45] Learn more about refinancing options with Earnest [24:51]The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned Earnest.com Connect with Jenny Twomey Connect on LinkedIn Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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As a physician, your income is your most valuable assetâbut what happens if youâre unable to work due to illness or injury? Disability insurance is critical to protecting the investment youâve made in your education and career. It ensures financial stability in the face of unforeseen challenges, whether itâs a car accident or a cancer diagnosis.
While premiums can be costly, especially during residency, starting with even a small policy is far better than having no coverage at all. In this episode of Physician Cents, Michael Relvas, CFPÂź joins us to explore the importance of disability insurance.
He covers key considerations like level versus graded premiums, and why group coverage alone often falls short. Learn how to safeguard your future against the unexpected, because your financial well-being depends on it.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... [1:46] Why does every physician need disability insurance? [8:18] Choosing a lower amount versus a graded premium [10:53] Understanding level versus graded premiums [16:56] Is group disability insurance coverage enough? [22:16] Why you need to know the policy language [27:48] Anecdotal evidence: Why disability insurance is necessary [33:34] Take this decision process seriouslyThe best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
This podcast is for informational purposes only. Physician Cents is not affiliated with or endorsed by PAS, Guardian, or M.R. Insurance Consultants and opinions stated are their own.
Michael is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 9200 CORPORATE BLVD, SUITE 390, ROCKVILLE MD, 20850, 240-683-9700. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of AmericaÂź (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. M.R. Insurance Consultants is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #0G91249, AR Insurance License #8913976. 2024-179887 Exp 8/26
Connect with Michael Relvas, CFPÂź Connect with Michael on LinkedIn MR Insurance Consultants Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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If you have a family member whose expenses you plan to cover every month, how do you go about it? This listener wants to give a parent a few thousand dollars a month to help them cover expenses and have spending money.
Many physicians are the highest income earners in their families. They often try to support their loved ones. How do you do this responsibly? How do you give generously without hurting yourself or the ones youâre trying to help?
Weâll help you find the right answer for yourselfâusing a values-based approachâin this episode of Physician Cents.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... Should you financially support a loved one? [2:38] Step #1: Create your own financial plan [7:11] Step #2: Consider the ramifications of gifting [13:56] Step #3: Talk to your loved ones about their finances [16:34] Step #4: Determine the best way to give [22:25]The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned Gusto Zelle Apple Cash Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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Most physicians arenât planning ahead for their finances during their training and residencyâtheyâre surviving. Many assume that once theyâre a full-fledged doctor, any financial issues will be resolved. You may be thinking about marriage, kids, or buying a home. But financial decisions arenât typically top-of-mind.
So in this episode of Physician Cents, weâll cover some of the basic things newly minted physicians need to think about with special guest Dr. Kaveh Hoda.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... Dr. Hodaâs biggest concerns during training [2:24] Why physicians shouldnât hastily buy a home [4:56] Safe ways to save your money [10:53] A conversation about 529 plans [15:20] Starting a private practice: S Corp versus LLC [21:23] Is Locum Tenens work becoming more common? [31:53] Check out Dr. Hodaâs podcast! [36:53]The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned Corporate Dissolution or Liquidation: Form 966 Connect with Dr. Kaveh Hoda Check out Dr. Hodaâs podcast: House of Pod Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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We are often asked whether or not physicians should buy or lease a vehicle. While doctors are stereotyped for having expensive and flashy vehicles, we all want to make wise financial decisions when it comes to choosing a vehicle.
People often spout that leasing a vehicle is just throwing money away. But is it? It can be argued that there is a time and place for leasing a vehicle over buying. We dive into the different nuances of buying vs leasing in this episode of Physician Cents.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... [3:00] Buying a car is a values-based conversation [4:53] What do you value in a car? [12:33] Itâs not about keeping up with the Joneses [14:22] Is leasing a bad idea? [18:08] Bonus of leasing: You donât handle repair costsThe best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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What are some important things to consider the year you leave your residency and enter your first attending job? Transitions, no matter what they are, are typically accompanied by financial considerations. But there are many things that new physicians have to consider, from bonuses and contract negotiations to tail insurance and benefits packages. We tackle a few need-to-know topics in this episode of Physician Cents.
Disclaimer: We are not attorneys and this is not legal advice. Please consult an attorney for all matters pertaining to contract negotiations.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... Your first contact is your most important contract [3:17] What bonus structure are you being offered? [8:01] Get sufficient tail insurance coverage [17:21] Donât neglect your total benefit package [20:43] Intellectual property, call responsibility, and other minute details [22:56] A final note about Roth IRA contributions [27:38]The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Resources & People Mentioned New Attendings: Letâs Tackle Debt, Emergencies, and Taking Vacations, Ep #6 New Attendings: Letâs Navigate Risk Management, Estate Planning, and Investing, Ep #7 Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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As a woman in medicine, youâve been in medical training, residency, and fellowship for years. You have to come up with the mental space and courage to ask for help with student debt or saving for retirement. You may have randomly looked for someone to work withâand found yourself often disappointed.
In this episode, Meg Bartelt, CFPÂź, RICPÂź, MSâthe owner of âFLOW Financial Planningââshares a few ways you can simplify the process to find the best financial planner for you.
Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.
You will want to hear this episode if you are interested in... Megâs background in financial planning [1:45] Finding a financial planner to work with [4:03] How to vet a financial planner [7:02] What should women ask differently? [10:38] Financial advisors: how to better serve women [14:17] What if your spouse is in a different field? [19:01]The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we donât expect!) about a sponsor, please let us know. We call it the âbest of the bestâ for a reason, and we will maintain that standard for our listeners & viewers.
Connect with Meg Bartelt FLOW Financial Planning Megâs blog Connect on LinkedIn Follow on Twitter Connect With Physician Cents WealthKeel LLC Olson Consulting LLC Tyler Olson on Twitter Chad Chubb, CFPÂź, CSLPÂź on TwitterSubscribe to Physician Cents
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