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 179 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 179 episodes published.

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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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  Physician Family Finances Podcast

  #179 Is the Cash Balance Plan Tax Break Worth It for Doctors?

  Aug 5, 202635 minS1

  Should you choose a high tax break or high investment growth? Nate Reineke and Chelsea Jones break down a common dilemma for high-earning physicians: deciding between a Cash Balance Plan and a traditional taxable brokerage account. Chelsea explains the mathematical "break-even point,” why the potentially lower growth rates of cash balance plans often favor physicians in their mid-to-late 30s and 40s who are in top tax brackets, while Nate highlights the value of brokerage accounts for early retirement flexibility. We also answer your colleagues’ questions. Asking for a friend: How do I help my parents with managing their finances when I am a novice myself? A Urologist in California says, “I want to help my children either buy a house or get started with a new family. Considering gifting them somewhere around $100k. How should I invest the money?” A Neurologist in Oklahoma asks, “We currently work at a university where we receive a generous retirement match and have access to a non-gov 457(b). We have the option to switch to the physician group where we receive 457f contributions, a similar match, a non-gov 457b and the option for a mega BDR. Should we switch?” A Double Doc family in Virginia questions, “We have about 12 months of living expenses set aside for our emergency fund. Is this too much?” 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

  #178 Online Comparison: The Thief of Physician Joy

  Jul 29, 202640 minS1

  When you log onto online physician forums, it’s incredibly easy to feel like you are losing a race you didn’t even know you were running. Nate Reineke and Chelsea Jones tackle a question from a 40-year-old family medicine doctor in Texas who reads online that they are "behind" and discuss why why having a personalized plan helps find peace of mind. We also answer your colleagues’ questions. “I’m currently funding a 529 account and UTMA account for my 5-year-old, and I’m considering opening the new 530A account and funding the max $5000 per year until she turns 18. Does the “double taxation” make this account worth it?” A surgeon in Maine says, “We're considering private school for our kids. How do we know if it's a financial mistake or a fair tradeoff?” A psychiatrist in Oregon asks, “My spouse wants to go part-time or stop working to be home with our kids. How do we actually stress-test that decision instead of just guessing?” 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

  #177 Should You Skip a 529 Without a State Tax Break?

  Jul 22, 202619 minS1

  When planning for your children's future education, a lack of an upfront state income tax deduction can make saving feel like a raw deal. Nate Reineke breaks down a question from a Florida surgeon tempted to skip 529 plan contributions entirely because the state lacks a state income tax break. We discuss why focusing solely on short-term deductions can miss the benefit of long-term tax-free compounding growth. We also answer your colleagues’ questions. A double-doctor family in Kansas says, “We did our Backdoor Roth conversions this year, but I am not sure TurboTax coded it right when we filed. How can I tell?” An anesthesiologist in Oregon asks, “I am applying for disability insurance but there is a lot of paperwork, and I am unsure about how to do this the right way. What should I do?” 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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