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Clarity Comes From Action: Why Testing Your Future Matters More Than Predicting It
We expect ourselves to have a perfectly clear vision of the future… even though most of us have never actually tested what that future feels like. This month’s article explores why clarity often comes from action.
Read MoreShould I Pay Off My Student Loans or Invest? It Depends — and Here’s Why
I was recently giving a presentation at the University of Wisconsin School of Veterinary Medicine when a student asked a question I hear constantly from medical graduates:“Should I pay off my student loans, or should I invest...
Read MoreHow Much Do I Need to Save to Retire? You’re Asking the Wrong Question.
The other morning at my workout group, I met a couple of new guys. And as often happens, the conversation quickly turned to the classic opener: “So, what do you do?”Before long, one of them hit me with a version of a question I hear...
Read MoreNavigating Workplace Reviews & Compensation Conversations
For many people, that first job offer comes with a rush of excitement. You’re eager to start your career, earn a steady paycheck, and prove yourself. In that moment, the details of the contract — compensation structure, expectations,...
Read MoreStudent Loan Shake-Up: What Borrowers Need to Know About the 2026 Repayment Overhaul
Explore the 2026 federal student loan overhaul: simplified repayment plans, new income-based formulas, and key changes to forgiveness, PLUS loans, and more. Learn what it means for borrowers and how to prepare.
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2024 Year-End Financial Planning Checklist
As we approach the end of 2024, it’s time to take a good look at your finances and plan for the year ahead. Think of this as your annual financial checkup—a chance to ensure that you’re on a strategic path and not missing any...
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Rethinking Retirement Savings: Diversify Your Investment Strategy for a Better Future
I have a lot of discussions with clients about retirement, especially regarding how much and where one should be saving. Today, I want to encourage a slightly different approach to retirement savings than what you might have heard in the pa
Read MoreExplore the Benefits of Roth Conversion for Diversified Retirement Income
The Roth conversion presents a unique opportunity for investors looking for tax-free income during retirement. All individuals, regardless of income, are allowed to convert as much or as little of their IRA and eligible...
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Rules and Regulation Changes That Could Impact Your Finances in 2024
The SECURE Act 2.0, enacted in late 2022, has dozens of provisions to encourage more people to save through the workplace and other plans, to help boost retirement savings, and to urge small employers to offer retirement plans. Some of...
Read MoreThe Role of Donor Advised Funds (DAFs) in Charitable and Tax Planning
Donor Advised Funds, often abbreviated as DAFs, are emerging as a noteworthy tool for those seeking to streamline charitable planning and take advantage of tax incentives. This article aims to provide a comprehensive understanding of...
Read MoreMastering the Art of Veterinary Employment Contracts
When it comes to launching your career as a veterinarian, one of the most crucial aspects is negotiating your employment contract. This comprehensive guide will walk you through the top considerations and tips to keep in mind when...
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Top 10 Questions Our Clients Ask About Social Security
Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We’ve...
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The Road to Retirement: Your Path to a Confident Future
After dedicating decades to building your career, raising a family, and securing your financial future, retirement is finally on the horizon. But what does retirement truly entail? Contrary to the simplistic portrayals in movies and...
Read More2023 Midyear Update: A Healthy Outlook Despite Negative Headlines
The first half of 2023 was dominated by headlines about inflation, interest rate hikes, bank failures, and a potential debt ceiling crisis. But does the negative news tell the whole story? Brad McMillan, CFA®, CAIA, MAI, chief investment...
Read MoreLiving Trusts: Understanding the Basics and Key Considerations
In this blog, we’ll dive into the details of living trusts, including how they differ from other types of trusts, what their benefits and limitations are, and how they can play a role in your overall estate strategy. Whether you’re just...
Read MoreFinancial Planning Through the Stages of a Veterinary Career – Part 6 - Transitioning to Retirement
About the thirtieth year of practice marks a significant milestone for veterinarians, as it often brings about a career transition period. During this time, veterinarians may consider shifting from full-time to part-time work...
Read MoreFinancial Planning Through the Stages of a Veterinary Career – Part 5 – Years Twenty Through Thirty
Financial planning is an essential part of a veterinarian's career, especially when they reach the prime years of their career, which usually falls between years twenty and thirty of practice. At this stage, the primary planning focus...
Read MoreFinancial Planning Through the Stages of a Veterinary Career – Part 4 – Years Ten Through Twenty
Financial planning is an essential aspect of building wealth and achieving long-term financial security. For veterinarians who have been in practice for a decade or more, it is an opportune time to revisit their financial plan and make...
Read MoreFinancial Planning Through the Stages of a Veterinary Career – Part 3 – Years Six Through Ten
As a veterinarian, you've already made it through the first five years of your career, which can be a challenging time financially. But as you approach years six to ten, there are new financial challenges and opportunities to consider....
Read MoreFinancial Planning Through the Stages of a Veterinary Career – Part 2 – The First Five Years
Congratulations on graduating from veterinary school! Now that you have completed your education and entered the workforce, it's time to start thinking about your financial future. In this blog post, we will discuss some important...
Read MoreFinancial Planning Through the Stages of a Veterinary Career – Key Insurance Protections
As a veterinarian, you are healthcare professional who plays a critical role in ensuring the health and wellbeing of animals. However, just like any other healthcare profession, there are risks associated with practicing veterinary medicine
Read MoreFinancial Planning Through the Stages of a Veterinary Career - Part 1 – An Overview
Each stage of a veterinarian’s career brings unique financial planning considerations, with each stage building on the last. These stages start in school when you’re considering the right specialty, choosing rotations and...
Read MoreSECURE Act 2.0 impacts on Required Minimum Distributions (RMDs)
The Secure Act 2.0, which was signed into law in December 2022, made significant changes to the required minimum distribution (RMD) age for retirement accounts. Prior to the Secure Act 2.0, individuals were required to start taking...
Read MoreDisability Insurance for Veterinarians: Why it’s important, and how it works
As a veterinarian, you've invested a lot of time, energy, and money into your education and career. You're passionate about helping animals and their owners and are dedicated to providing excellent care. But have you considered what...
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Retirement Savings Options for Solo and Relief Veterinarians
As a solo-veterinarian or relief veterinarian, retirement savings is a crucial aspect of your financial plan. While working in this field, you might face a challenging lifestyle, with irregular working hours, along with unpredictable...
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