Physician Family Finances Podcast

Are you a dedicated physician mom or dad, striving to balance your practice and family while securing your financial future? With the demands of work and family life, navigating the complexities of investment options, tax laws, and retirement planning can be overwhelming.Join Nate Reineke and Chelsea Jones, seasoned Certified Financial Planner™ professionals, on a mission to empower physician parents like you with the knowledge and tools needed to achieve long-term financial security. Through our podcast, we provide expert financial advice tailored to physicians, covering essential topics such as wealth management, retirement savings, tax-efficient investing, and estate planning.Gain valuable insights into wealth accumulation strategies, investment strategies, and asset allocation techniques to optimize your financial portfolio. Enhance your financial literacy with practical budgeting tips and learn how to set and achieve long-term financial goals. Discover effective risk managemen

Physician Family Finances Podcast is a business podcast hosted by Nate Reineke, with 182 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Nate Reineke hosts Physician Family Finances Podcast, a business show with 182 episodes published.

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  Physician Family Finances Podcast

  #184 Smart Strategies for Docs Who Inherit Brokerage Accounts

  Sep 9, 202642 minS1

  What is in your garage that you would not go out and buy today? The elliptical. Your father-in-law's table saw. Six gallons of the paint color from the last house. This week we take a question from a physician who inherited a large position in a single company's stock and has left it alone since the day it arrived. We also answer your colleagues' questions. A surgeon's son in Washington wonders, “What is the rule of 72?” A dermatologist in Arizona says, "We inherited $300,000 that has been sitting in savings ever since. Every time I go to invest it, the market is at another record high. When do I pull the trigger?" A rheumatologist in Kansas asks, "My whole 403(b) is in one total market fund. I keep reading that the index is really just ten AI companies now. Am I less diversified than I think?" 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  podcast@physicianfamily.com . See marketing disclosures at  physicianfamily.com/disclosures

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  Physician Family Finances Podcast

  #183 Docs Don’t Need to Shipwreck Their Plan to Keep Family Afloat

  Sep 2, 202642 minS1

  Every lifeguard learns the same thing before they are allowed near the water. You do not swim into someone's arms. A panicking person will climb you, and then there are two people in trouble instead of one, so you bring something that floats and you keep it between you. Nobody watching from the sand thinks the lifeguard is being stingy about it. This week we talk about aging parents who are running out of money, and what a physician's household has to keep standing while it helps. We also answer your colleagues' questions. A Surgeon in Pennsylvania says, “I currently have a HDHP with an HSA and contribute the family amount since my son is also on my insurance. He will drop off mid-year and I will then have single coverage. Does this affect my HSA contributions?” A Urologist in Minnesota wonders, “Our oldest starts college next fall and the 529 has more in it than I expected. How do we actually spend it, and do we tell him what's in there?” A Radiologist in Illinois asks, “I inherited an after-tax retirement annuity from my dad. What is it?” 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 podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

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  Physician Family Finances Podcast

  #182 Are Annuities Really a Bad Deal for Physicians?

  Aug 26, 202628 minS1

  Nobody books the all-inclusive because the food is better. They book it because it takes the risk out of the trip. No bad rental in the wrong part of town and no hour-long drive to anything worth eating. An annuity is the all-inclusive resort of retirement. The right side of the menu is blank, but it’s “would you like fish or chicken” for seven days, and the pre-packaged excursions are the closest thing to spontaneity you will get all week (ask me about the fish bowl my son and I “snorkeled” in at the Aulani hotel in Hawaii last year). The bracelet they snap on at check-in also doesn't come off, and the money you already paid isn't coming back on the night you'd rather drive into town for tacos. Being worry-free about prices all week is not the same as the week being cheap. You paid for every one of those meals before you got on the plane, and you paid extra for the part where you don't have to think about it. Guarantees have a price, so what does handing that risk over actually cost your family? This week we go through what an immediate fixed annuity actually is: what the buyer hands over, what the insurance company takes on, and where the money goes at the end. We also answer your colleagues' questions. An Internal Medicine Doc in Oregon asks, “If we make a $125k contribution to our child's 529 account, will we owe gift taxes?” A double-doc family in Texas says, “We are currently renting but want to buy a home in the near future. We also have ~$150k of federal student loans and are not pursuing PSLF. Should we use extra cash to save for a down payment or should we pay off our loans quicker?” 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 podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

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  Physician Family Finances Podcast

  #181 Lifting the Financial Hood: How Young Doctors Can Demystify Market Risk

  Aug 19, 202636 minS1

  Stock market charts can look like roller coasters, and most people assume the young riders are the ones who enjoy the drops. Not always. Nate Reineke and Chelsea Jones answer a question from an emergency medicine physician who is naturally risk-averse and feels pressure to invest aggressively simply because of their age. We also answer your colleagues' questions. A surgeon in Georgia asks, “We have a decent-sized brokerage account but found ourselves in a position with no emergency fund and a five-figure emergency. Should we take out a HELOC or withdrawal from our account?” A pediatrician in Oregon writes, “I have been a diligent saver for much of my career, and on top of that, I just received a sizeable inheritance of a couple million dollars. I still plan on working until 65. Can I start overspending on travel a bit now?” A Family Medicine Doctor in Texas says, “I am working toward PSLF and have heard about the “buyback program”; what is it and how does it work?” 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 podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

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  Physician Family Finances Podcast

  #180 Saving Beyond the 529: How Doctors Can Pass Down Wealth

  Aug 12, 202633 minS1

  There are two ways to get saving for your children wrong. You can undersave and leave your kids with student loans. You can oversave and hand a nineteen year old a pile of money with no strings attached. Physician families tend to worry about the first one and end up closer to the second. In our new episode, we discuss which accounts help keep you out of both ditches! We also answer your colleagues' questions A Surgeon in Arizona says, “My portfolio has drifted way off from where I set it a few years ago because stocks ran up so much. Do I actually need to rebalance, and if so, how do I do it without triggering a big tax bill?” A Hospitalist in Texas asks, “I've got a 401(k), a Roth IRA, an HSA, and a taxable brokerage account, and I have no idea what's supposed to go where. Does it matter which investments live in which account, or can I just buy the same thing across all of them?” A Gastro doc in Michigan writes, “Every time the market drops, I get the urge to sell and wait until things calm down. Is there ever a good reason for a long-term investor to move to cash, or is that always a mistake?” 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 podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

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