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Life happens. So as it does, I'm reminded of successes and failures of all kinds. We're all learning. This is life as it happens in the world of finance.

Tuesday, September 24, 2019

A financial plan is a formal document, stating goals & objectives, current financial status, inflation assumptions, market rate of return assumptions, time value of money costs, among other items. This document basically creates a...

Monday, September 16, 2019

About a decade ago I had my first doctor client, and part of what they wanted to discuss was budgeting in order to save more. They just got new jobs and wanted some general planning for the sake of making good decisions. Software for...

Tuesday, September 10, 2019

Medical residents and fellows have always been in an interesting situation. They are embarking on the foothills of their career and obtaining the skills and knowledge they need to press forward. They are likely in the most idealistic...

Tuesday, September 3, 2019

Lately I’ve been introduced to clients with wildly unsuitable products and recommendations that have been implemented. It’s as if financial advice is solely intended to sell products, even if there is no need for products....

Thursday, August 22, 2019

The only people I work with are young doctors, so I guide people through their student loans quite often. I’ve spent months trying to understand the government student loan repayment logic. In short, sometimes it isn’t...

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Tuesday, July 23, 2019

We’ve been preparing for a beach vacation, and every detail had been arranged and crafted for a sun-soaked visit to the Gulf Ocean. That is, until Hurricane Barry rained us out. Not only would the hurricane/tropical storm flood...

Thursday, June 27, 2019

One of the biggest secrets in the world of insurance is an “Umbrella Insurance” policy. It’s a secret for three main reasons: Consumers aren’t actively educated about it because the insurance marketplace is so...

Monday, June 17, 2019

I’m the best man at my brother’s wedding; I’m excited for him, and I’m honored be the best man. But I am to give a speech. Public speaking isn’t an issue; it’s just that this is an important day. The...

Thursday, June 6, 2019

I got a funny message from a client about a month ago. It went like this: “Message I sent my husband. What’s your opinion? I have an extra $20K in checking. Pay off student load with 5.8% interest rate Give to Paul for long...

Friday, May 31, 2019

Getting in shape is tough these days. Just finding time is often tough for me. Between meetings and deadlines, carting the kids to school and activities (almost every night there seems to be a different activity), making dinner, and...

Thursday, May 23, 2019

I was driving home the other day and I saw a turtle on the side of the road. It had made it all the way across the street, only to be stopped by a curb. The turtle obviously couldn't jump the curb, so even though it completely crossed...