Mortgage rates are on the move once again, and if you have an ARM that is coming up on a variable rate period, it may be time to consider changing your mortgage type. The answer to knowing if you should is easier than you may think. Nate Reineke and Chelsea Jones give you the one simple step to determining what is best for you in the long run. We also answer your colleagues’ questions. A Neurologist in Georgia says, “I was revisiting my retirement benefits and I forgot that I had contributed to the 457 and not the 403b because my work matches "50% of your 457 Savings Plan contributions up to 4% of your eligible pay." I feel like I should max this out as well? We took the contribution to the 457 down to 0 in our 2nd to last visit. If we do max this out, would I contribute 8% to get the maximum contribution from work of 4%?” An OBGYN in New Jersey asks, “Do I actually need life insurance?” A Double Doctor Family in Florida wants to know, “Should we have our home purchase fund invested in the stock market?” Are you ready to turn worries about taxes and investing into a plan for college and retirement? If you’re evaluating your options and want to learn more, visit physicianfamily.com and click 'Get Started' or you can ask a question of your own by emailing [email protected]. See marketing disclosures at physicianfamily.com/disclosures