In this episode of Financial Clarity for Doctors Finity Group financial advisors, Corey Janoff and Rachelle Vanderzanden, discuss a few ways you can work through how to value your own time.

Valuing your time:

Money isn’t everything.  Some people work to live.  If that’s you, take some time to consider how much work you are doing to support your lifestyle and whether that’s worth it to you.  Other people love their work!  If that is closer to your attitude, you may want to work more even if the pay is low.  There are no wrong answers if you are making decisions that fit you and your family.  Listen to the full episode to learn more! 

For more financial planning tips from Corey and Rachelle, you can reach out to them at [email protected]. They would love to hear your questions and ideas for upcoming episodes.

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Headlines, federal government funding issues, and stock market volatility can lead people to question how secure their own place is in the economy. How will this impact my job and my income?  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff, walk through a few things that MAY impact the job market for physicians and other medical professionals.

As always – It depends!

Keep in mind that as a medical professional, you generally have more job security than the average person.  But it’s still important to have adequate emergency reserves and a backup plan no matter who you are.

For more financial planning tips from Corey and Rachelle, you can reach out to them at [email protected]. They would love to hear your questions and ideas for upcoming episodes.

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

One of the questions our advisors get most frequently from clients is, “Am I on track?”  In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden, walk through a few ways to evaluate progress toward your goals.

Steps to assess your progress:

Many young medical professionals are not “on track” based on common online metrics, because you are getting a late start!  Do your best to focus on these goals early in your attending career, and you should be able to make progress very quickly.  Then assess your progress over time.

For more financial planning tips from Corey and Rachelle, you can reach out to them at [email protected]. They would love to hear your questions and ideas for upcoming episodes.

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden, discuss some of the basics of pensions.  How do you get one, what are the benefits, and exactly how do these things work?

Some pension basics covered in this episode include:

Lots of folks think of pensions as an additional benefit provided by employers that are working hard for their employees, but every plan is different.  Some of funded by the employer, some are funded by the employee, or a combination of the two.  Take some time to evaluate the quantitative benefit of any retirement plan when you’re considering new employment opportunities.

For more financial planning tips from Corey and Rachelle, you can reach out to them at [email protected]. They would love to hear your questions and ideas for upcoming episodes.

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden walk through some of the most common questions they hear from clients.  Everything from ‘why is the sky blue?’ to ‘how do you capture a swarm of honeybees?’  Just kidding!  They’re all questions about money.  Below are a few examples.

Common questions include:

Everyone has questions!  Listen to the full episode to hear how Corey and Rachelle tackle these ones with clients on a day-to-day basis.

For more financial planning tips from Corey and Rachelle, you can reach out to them at [email protected]. They would love to hear your questions and ideas for upcoming episodes.

Most folks, including doctors, do not end up staying in their first jobs long-term.  In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden talk over some of the financial implications of career transitions.

These implications include:

This episode also covers many of the reasons physicians may choose to switch jobs and how to make transitions as smoothly as possible. Job changes can be hugely stressful, and being well-informed is a very important part of that process.  Listen to the full episode for more to keep in mind as you think about making this big life change!

For more financial planning tips from Corey and Rachelle, find them on social media!

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff walk through some of the attention-grabbing headlines during the first few weeks of President Trump’s second term.  Most people have at least some reaction to everything we see, but how might this affect your finances?

Topics covered in this episode include:

When you are investing for the long-term, it doesn’t usually make sense to adjust your strategies based on what’s happening in the world at this moment.  BUT it is completely understandable to want to debrief.  We are all notoriously terrible at how current news headlines will affect the economy and the stock market, so try not to let your knee-jerk reactions impact your investment decisions.

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss all the fun expenses that come along with pet ownership.  When you love something, it tends to cost you a little more!

Topics covered in this episode include:

We have all heard or experienced the horror stories of a nine-week-old puppy eating socks or chocolate.  As a pet owner, expecting the unexpected is a great place to start.  To learn more, listen to the full episode.

For more financial planning tips from Corey and Rachelle, find them on social media!

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

If you’ve researched financial planning and professional advice, chances are you have come across the word ‘fiduciary’.  But what does it really mean?  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff unpack the word and other qualifications for Financial Advisors.

Tune in to hear more about:

Regulations and ethics standards are important, but when working with any professional, their ethics and your relationship with them will always be the most important.  Referrals can be a great way to find someone that has already built a trusting relationship with clients.  Folks are unlikely to refer you to someone they don’t trust!

For more financial planning tips from Corey and Rachelle, find them on social media!

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this episode of Financial Clarity for Doctors, Corey and Rachelle check the accuracy of their crystal ball and try out some predictions for next year (even though they have proven they’re not great about it!).

Tune in to hear more about what they expect on:

Predictions may be fun, but as always, we try to make our plans based on the things we can control.  Things like how much we’re spending and how much we’re saving.  So have some fun, but make some solid plans as well!  To hear more, listen to the full episode.

For more financial planning tips from Corey and Rachelle, find them on social media!

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.