Physician Cents

Welcome to the Physician Cents Podcast! A podcast designed specifically for physicians, offering a breakdown of complex financial topics to help you develop your financial IQ, further your financial journey, and improve your well-being. Whether you're a medical student, resident, fellow, or attending physician, you're sure to learn something new that will benefit your journey.

Before You Sign Anything: What Docs Need to Know About Disability Insurance, Ep 32 07/01/2025

Before You Sign Anything: What Docs Need to Know About Disability Insurance, Ep 32 If you’re a freshly minted physician just stepping out of residency or fellowship, the last thing you need is another decision demanding your urgent attention. But there’s a flurry of emails, conversations in hospital cafeterias, and ads in your inbox pushing one message hard: “Get disability insurance now, or else.” It’s intense, it’s relentless, and it’s not the full story. What’s often left unsaid is that while disability insurance is crucial, potentially one of the most important financial decisions of your early career, you’re not on the clock in the way you’ve been led to believe. The notion that your opportunity to secure discounted coverage vanishes on July 1st? That’s 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 they’re 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 "" 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 You’re Being Pressured, and Why You Can Take a Beat Every year around graduation, there’s 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 it’s carved in stone. But that sense of panic is manufactured. What’s really happening is that disability insurance is both important and profitable, and that combo makes it ripe for pressure tactics. You don’t 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. That’s built-in breathing room. So if you’re just trying to get your feet under you post-training, know that you’re 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 Aren’t Just Nice to Have, They Might Be Your Only Shot The idea that you can just “upgrade later” or “shop around” doesn’t hold water when it comes to GSI policies. These aren’t something you can casually circle back to once you’ve 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 here’s the kicker: a lot of physicians never even hear about these options because their program doesn’t officially publicize them. The access point isn’t the hospital or university; it’s the insurer and its appointed agents. If you don’t know the right person, you won’t even know what you’re missing. That’s why relying on generic advice, or worse, pressure from someone who doesn’t have access to GSI, is a fast way to lose out on your strongest coverage option. Smart Strategy Beats Fast Action Every Time It’s tempting to equate speed with responsibility, especially when you’ve 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? That’s 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 it’s 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Tyler Olson’s advisory firm - https://olsonconsulting.com GSI policy provider - https://www.guardianlife.com GSI policy provider - https://www.standard.com Stephanie Pearson’s insurance team - https://www.physiciandisability.com Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/37106560

How Big Life Changes Wreck, or Rescue, Your Student Loan Strategy, Ep 31 06/15/2025

How Big Life Changes Wreck, or Rescue, Your Student Loan Strategy, Ep 31 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 don’t 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 don’t 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 it’s 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 isn’t about turning you into a financial planner, it’s 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 you’re 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 didn’t know you needed. Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "" 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 Jeremy’s 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 partner’s student debt changes your financial reality If one of you has six figures of med school debt and the other’s making solid income, your financial life just got way more complicated. I lay out how your partner’s loan situation can impact PSLF eligibility, how your tax filing status plays into it, and why your state’s laws might push the numbers in a direction you didn’t expect. This isn’t just about love and money, it’s about knowing how the system treats you once you’re linked on paper. Know when to act, and when to chill, on student loan plan changes With the SAVE plan in limbo, making a move right now could do more harm than good. If you’re 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 “waiting it out” 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 attendings When 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 you’re 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/36900720

What If Your Paycheck Disappeared Tomorrow?, Ep 30 06/01/2025

What If Your Paycheck Disappeared Tomorrow?, Ep 30 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 you’ve never heard of “own occupation” disability insurance or assumed your employer coverage is enough, this episode is your wake-up call. Hosts Chad and Tyler explain why disability insurance isn’t just another box to check; it’s 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, you’ll not only understand why disability insurance is crucial, you’ll also know what kind to get, when to get it, and how to avoid the most common (and costly) mistakes. Because protecting your income isn’t pessimistic, it’s smart. Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "" 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 Isn’t a Down Payment Strategy We 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, it’s 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 Isn’t Optional - It’s Foundational Too many physicians treat disability insurance like an afterthought, something to handle later when they’re making more or finally “settled.” 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. That’s why getting coverage early isn’t just smart, it’s 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 resident’s 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 you’re in training or transitioning into your first attending role, this is the moment to get it done. Don’t wait for “later” to turn into too late. GSI Policies Are a Great Start - But Don’t Stop There Guaranteed Standard Issue policies are a gift for trainees, they don’t require medical underwriting and ensure coverage even if your health history isn’t perfect. But once you’ve 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. You’ve got nothing to lose and possibly a lot to gain. And keep in mind, it doesn’t 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/36669230

Why Your Disability Insurance Might Not Work When You Need It Most, Ep 29 05/15/2025

Why Your Disability Insurance Might Not Work When You Need It Most, Ep 29 It’s 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 doesn’t just highlight the importance of coverage, it exposes the hidden traps in policies that too many doctors assume are solid. The goal here isn’t fear; it’s 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 “true own-occupation” means, why group policies might leave you stranded, and how terms like “specialty-specific” 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 doesn’t mean you’re safe. If you’re a physician who thinks you’re already covered, this conversation may be the wake-up call you didn’t know you needed. Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "" 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 “covered” doesn’t mean protected (06:28) Losing a career—and finding a calling (09:28) Why her team doesn’t work on commission (10:59) What “own-occupation” really covers (14:44) The fine print that costs doctors everything (24:55) The rider that looks helpful, but isn’t (34:42) Why cognitive issues can end any career The injury that ended her clinical career and launched a mission Dr. Stephanie Pearson was an OB/GYN who thought she’d 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 didn’t cover work injuries, her private policy had gaps, and workers’ 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 isn’t just about injury, it’s about a failed system and the purpose she got out of it. Why your disability policy may not mean what you think it does Physicians often assume they’re covered, especially through an employer plan, but most don’t realize how misleading policy language can be. Stephanie explains how terms like “own occupation” or “specialty-specific” 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 aren’t automatic. Underwriting can be slow and frustrating. Stephanie shares questions physicians should ask: What’s excluded? How long is mental health coverage? Does the definition of disability change? If the answers aren’t clear, your policy might not catch you. Disability insurance isn’t just for surgeons It’s a myth that non-proceduralists don’t need coverage. Stephanie shares stories of psychiatrists, internists, and pathologists whose careers were derailed by illness or injury. Most claims her firm sees aren’t 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 you’re building wealth or are already financially stable, the goal is the same: if something happens, you’ll 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned PearsonRavitz official site - Stephanie Pearson bio page - Connect with Stephanie Pearson Connect with Stephanie Pearson Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/36435895

Why Smart Docs Still Stress About Money (Even When They're Set), Ep 28 05/01/2025

Why Smart Docs Still Stress About Money (Even When They're Set), Ep 28 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 “right,” 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, we’ll 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 isn’t a lack of money, it’s a lack of mental margin. You’ll 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 isn’t just a nice-to-have, it’s essential. Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "" 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 isn’t about the numbers (3:30) How news and social media hijack our financial decisions (4:45) Why “boring investing” 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 About Most of us assume that we won’t have to worry about our finances once we’ve 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 it’s a headline about student loans, a friend’s 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 Decisions It’s not the presence of information that’s the problem, it’s 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. We’ve seen this happen firsthand: clients with airtight plans suddenly spiral over a rogue tweet or misinterpreted update. The solution isn’t 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 Control When 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 won’t. That kind of anxiety doesn’t 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned StudentAid.gov – Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/36272635

Simple Steps, Serious Protection: Asset Protection 101, Ep 27 04/15/2025

Simple Steps, Serious Protection: Asset Protection 101, Ep 27 Physicians don’t realize they’re financially exposed — 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 — especially if you haven’t 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 — 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 you’re 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 "" 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 they’ll unpack — 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 — and how to be proactive (30:32) Recap of the 4 steps and why simplicity is the real win Asset protection doesn’t have to be complicated to be powerful When people hear “asset protection,” 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 don’t need to be ultra-wealthy to benefit — you just need to take a few small actions most people skip. Retirement accounts aren’t all created equal There’s a big difference between where your retirement money lives and how well it’s protected. A lot of people move old 401(k)s or 403(b)s into IRAs without realizing they’re 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. It’s not just about shielding against the worst-case scenario — it’s 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 it’s 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 — consolidating accounts — 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 lawsuit People worry about malpractice or getting sued in a car accident, and they should. That’s 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 — 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. It’s 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned ERISA (Employee Retirement Income Security Act) - Umbrella Insurance Overview – National Association of Insurance Commissioners (NAIC) - Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/36057775

You’ve Been Matched with a Residency, Now What? Ep #26 04/01/2025

You’ve Been Matched with a Residency, Now What? Ep #26 You’ve matched—congrats! 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 don’t realize how much financial planning matters at this stage—things 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 don’t 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 "" 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 thoughts 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned – Federal student loan consolidation and repayment plans – Physician-focused student loan refinancing and banking – Disability insurance specialist for physicians Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/35688525

Why ‘Standard Contracts’ for Physicians Are Anything But, Ep #25 03/15/2025

Why ‘Standard Contracts’ for Physicians Are Anything But, Ep #25 Most physicians assume their first contract is a “standard agreement” that everyone signs without question. But as Kyle Claussen, CEO of Resolve, reveals in this episode, there’s 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, it’s often too late. That’s why Kyle emphasizes the importance of negotiation—even 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 you’re reviewing your first contract or renegotiating your current one, this conversation is a must-listen for any doctor who wants to be treated—and paid—fairly. Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "" 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 ‘Standard Contracts’ 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 freedom 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect with Kyle Claussen Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/35484660

If I Can Manage My Own Investments, Why Pay an Advisor? Ep #24 03/01/2025

If I Can Manage My Own Investments, Why Pay an Advisor? Ep #24 Lots of physicians wonder: If I can manage my own investments, why pay an advisor? It’s a fair question. If you're comfortable picking index funds and setting up automated contributions, what’s 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 advisor’s worth is tied to investment management alone, but the real benefits show up in unexpected areas—especially 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 "" 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 fit 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/35391195

DIY Investing vs. Hiring an Advisor: The Real Value Breakdown, Ep 23 02/15/2025

DIY Investing vs. Hiring an Advisor: The Real Value Breakdown, Ep 23 Managing your own investments can feel empowering—especially 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? That’s exactly what Dr. W is wondering. As a resident who's been diligently managing an all-equity portfolio, he’s now questioning when and if a financial advisor would be worth the cost. What’s 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 "" 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 industry’s 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 advisor’s edge (36:20) Final thoughts on advisor selection 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/35161840

From First-Generation Doctor to Mentor: Financial Lessons with Steve Sample, Ep #22 02/01/2025

From First-Generation Doctor to Mentor: Financial Lessons with Steve Sample, Ep #22 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 medicine—starting as a young father with dreams of becoming Garth Brooks—to 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 child’s 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 "" 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 Sample’s 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 health 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect with Steve Sample Steve Sample /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/34998950

A Deep-Dive into Disability Insurance with Larry Keller CFP®, Ep #21 01/15/2025

A Deep-Dive into Disability Insurance with Larry Keller CFP®, Ep #21 In the last couple of episodes, we’ve 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 coverage—and 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 "" 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 doesn’t every program offer a GSI? (28:42) How to determine if you shouldn’t get a GSI (41:39) How to find a trusted insurance agent (48:05) How disability insurance protects your future 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect with Larry Keller Connect on Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/34782120

Exploring Financial New Year’s Resolutions with The White Coat Investor, Ep #20 01/01/2025

Exploring Financial New Year’s Resolutions with The White Coat Investor, Ep #20 Is your financial house in order for 2025? In this special episode of Physician Cents, we’re joined by Jim Dahle, the one and only "White Coat Investor," to help you tackle the financial “resolutions” 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 "" 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect with Jim Dahle Connect on Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/34655815

Tackling Debt: Loan Repayment and Refinancing with Earnest.com, Ep #19 12/15/2024

Tackling Debt: Loan Repayment and Refinancing with Earnest.com, Ep #19 Debt is a reality that most medical professionals face, with 78% of graduating medical students carrying substantial loans. It’s not the easiest topic to discuss, but it’s a critical one. For most, debt is a significant piece of the financial puzzle—and knowing how to manage it effectively can shape your future. In this episode, Jenny Twomey—the Community Communications Lead at Earnest—joins us to break down loan repayment and refinancing. We’ll explore the pros and cons of refinancing, how to evaluate your loan options, and the key factors to consider when making these decisions. Whether you’re 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 "" 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 shouldn’t 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect with Jenny Twomey Connect on Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/34350450

Why Every Physician Needs Disability Insurance with Michael Relvas, CFP®, Ep #18 12/01/2024

Why Every Physician Needs Disability Insurance with Michael Relvas, CFP®, Ep #18 As a physician, your income is your most valuable asset—but what happens if you’re unable to work due to illness or injury? Disability insurance is critical to protecting the investment you’ve made in your education and career. It ensures financial stability in the face of unforeseen challenges, whether it’s 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, CFP® 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 "" 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 seriously 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” 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 America® (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, CFP® Connect with Michael on Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/34166630

The Best Way to Financially Support a Loved One, Ep #17 11/15/2024

The Best Way to Financially Support a Loved One, Ep #17 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 you’re trying to help? We’ll help you find the right answer for yourself—using a values-based approach—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 "" 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/33589432

Tackling Questions New Physicians Ask with Dr. Kaveh Hoda, Ep #16 11/01/2024

Tackling Questions New Physicians Ask with Dr. Kaveh Hoda, Ep #16 Most physicians aren’t planning ahead for their finances during their training and residency—they’re surviving. Many assume that once they’re a full-fledged doctor, any financial issues will be resolved. You may be thinking about marriage, kids, or buying a home. But financial decisions aren’t typically top-of-mind. So in this episode of Physician Cents, we’ll 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 "" 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. Hoda’s biggest concerns during training [2:24] Why physicians shouldn’t 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. Hoda’s 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Corporate Dissolution or Liquidation: Connect with Dr. Kaveh Hoda Check out Dr. Hoda’s podcast: Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/33673352

Should Physicians Lease Their Vehicles? Ep #15 10/15/2024

Bonuses, Contract Negotiations, and Tail Insurance for Physicians, Ep #14 10/01/2024

Bonuses, Contract Negotiations, and Tail Insurance for Physicians, Ep #14 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 "" 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] Don’t 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Resources & People Mentioned Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/33208967

How Women Can Navigate Financial Planning with Meg Bartelt, Ep #13 09/15/2024

How Women Can Navigate Financial Planning with Meg Bartelt, Ep #13 As a woman in medicine, you’ve 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 with—and found yourself often disappointed. In this episode, Meg Bartelt, CFP®, RICP®, MS—the owner of “FLOW Financial Planning”—shares 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 "" 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... Meg’s 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 don’t expect!) about a sponsor, please let us know. We call it the “best of the best” for a reason, and we will maintain that standard for our listeners & viewers. Connect with Meg Bartelt Meg’s Connect on Follow on Connect With Physician Cents Tyler Olson on Chad Chubb, CFP®, CSLP® on Subscribe to Physician Cents Audio Production and Show Notes by - /episode/index/show/fdef825d-81c3-4ee0-9cd3-7e7892babf16/id/32973157