On Episode 16 of Decision Dialogues, Karl Graf joins Jennifer Faherty to speak with Dr. Ruby Kim, who runs an independent medical practice, Premier Spine and Sports Medicine. Ruby discusses her decision to establish an independent practice and talks about how she weathered challenges while staying true to her vision for patient-centered care. She also shares insights on assuming risks and striking a healthy work-life balance. Get the full show notes and more resources at ModeraWealth.com/DecisionDialogues