ARTICLES

woman looking at stock market on laptop
Monthly Investment Commentary

2024 Market Recap

Our January market update will serve as a 2024 market recap as we review how…
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Carole Foos

Potential 2025 Tax Law Changes

As we begin 2025 with a new President and a Republican majority in both houses…
happy smiling family on the beach
David Mandell

The Beginner’s Guide to Permanent Life Insurance for Physicians

Part of securing your finances as a physician is to plan for your family’s future…
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David Mandell

Maximizing the Two-Fold Benefits of Your Charitable Donations

At year-end, many consider donations to charities but are not quite sure of the best…
image showing us dollar, flag and tax form
Carole Foos

Potential 2025 Tax Law Changes

As we begin 2025 with a new President and a Republican majority in both houses…
woman looking at stock market on laptop
Monthly Investment Commentary

2024 Market Recap

Our January market update will serve as a 2024 market recap as we review how…
financial advisor reviewing options
Adam Braunscheidel

Tax-Loss Harvesting

As we approach year end, many investors inquire about ways to reduce their tax obligations…
advisor working on portfolio
David Mandell

Are You Taking Advantage of Two Everyday Tax-Favored Assets?

Like everyone we have ever worked with, you likely want to reduce your taxes as…
lawyers shaking hands
David Mandell

The Importance of Asset Protection: Malpractice Lawsuits

Among the various types of liability that physicians may face, including employee claims, HIPAA violations,…
asset protection for doctors banner image
Doctors

Asset Protection for Doctors: 3 Effective Strategies

Doctors like yourself invest countless years and resources into education and training to provide exceptional…
coins in jar for savings
David Mandell

Health Savings Accounts and Retirement Planning

Investors are likely aware of Health Savings Accounts (HSAs) and their use by patients and…
person working on their long-term care planning
David Mandell

Long-Term Care Planning

WHAT YOU NEED TO KNOW ABOUT THE RISKS & ROLE OF INSURANCE Concerns about long-term…
calculating advisor fees
Articles

How Much Are You Paying Your Financial Advisor?

A recent survey by Cerulli Associates and Phoenix Marketing International found that nearly two out…
financial advisor team
Jason O'Dell

How to Choose an Investment Advisor? Three Mistakes to Avoid

Over the last few years, many investors have re-examined not only their investment assumptions, but…
David Mandell

Inflation and Your Investments

Inflation is a popular topic in the financial media this spring. This short article is…
couple reviewing retirement related to inflation
David Mandell

Don’t Outlive Your Money

Most investors, when considering their financial future, have a common concern – that they will…
Doctor inspecting piggy bank with stethoscope
Doctors

Financial Planning for Physicians

You probably already know that physicians are among the highest-paid professionals in the US. However,…
Young Chinese woman doctor in white coat with holding up a calculator and smiling
David Mandell

The Beginner’s Guide to Tax Planning for Doctors

When you’re a high-income earner with lots of expenses, like a doctor, tax season is…
hundred dollar bills with chains and a lock around them
Asset Protection

A Doctor’s Guide to Asset Protection Trusts

Trusts are becoming increasingly popular parts of estate planning. But there’s a difference between the…
happy smiling family on the beach
David Mandell

The Beginner’s Guide to Permanent Life Insurance for Physicians

Part of securing your finances as a physician is to plan for your family’s future…
yield curve inversion
Bob Peelman

Yield Curve Inversions Explained

“Yield curve inversion” has been in the news lately. You may be wondering exactly what…
image showing money and charitable donation
David Mandell

Maximizing the Two-Fold Benefits of Your Charitable Donations

At year-end, many consider donations to charities but are not quite sure of the best…
attorney putting estate planning documents in briefcase
David Mandell

Estate Planning Essentials for All Ages

Estate planning is an important aspect of wealth management that should be addressed early in…
attorney and gavel
David Mandell

Recent Cases Affect Protection of Assets in LLCs

As we kick off 2023, OJM partner David Mandell provides a high-level update on new…
Image showing piggy bank and books for what you need to know if you inherit an ira
David Mandell

What You Need To Know if You May Inherit an IRA

As baby boomers age into their 70’s and 80’s, it is estimated that over $84…
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David Mandell

Sequence of Returns Risk

As investors age, they should consider the reallocation of their assets into increasingly conservative investments…
illustration of house wrapped with padlock
David Mandell

How to Protect Your Home and Home Equity From Liability

The family home (and its equity) is often one of the most valuable assets you…
graduates throwing caps in the air
Bob Peelman

Saving for the High Cost of College

Most Americans would agree that money spent on higher education is incredibly important, as assets…
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Andrew Taylor

Start Early to Leverage the Power of Compound Interest

Saving money at an early age is perhaps the simplest and one of the most…
Black woman doctor in white coat checking charts
Tax Planning

Tax Diversification & Other Tax Tactics for Physicians

While your investments matter, one way to counter the uncertainty of financial planning is to…
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Bob Peelman

Federal Reserve Rate Cutting Cycle

After an historic rate hike cycle that was the fastest on record and largest in…
physician adding money into a piggy bank (represents HSA)
Doctor Benefits

The Pros and Cons of HSAs for Physicians

You’ve probably heard about them in your employee benefit package. Your patients may ask if…
image of someone looking into a financial crystal ball
David Mandell

Have High-Interest Rates Accurately Predicted a Market Correction or Recession?

Many investors have recently been asking their advisors, “Is a recession coming?” This question is…
Monthly Investment Commentary

Is a Recession on the Horizon?

The following is an update to an article we authored in October 2019, just a…
David Mandell

Six Tools to Help You Achieve Your Retirement Goals

It is not surprising that achieving a financially secure retirement is a leading financial goal…
financial planning for young families
Money Milestones

Money Milestones: Starting a Family

Major life events often trigger important questions about money and can significantly impact long-term financial…
confident, young doctor in a white coat reviewing life insurance plans
David Mandell

Everything Physicians Need to Know About Life Insurance

Your career as a physician is full of major milestones that show you’re growing wiser,…
Doctor in a white coat putting a coin in a piggybank
David Mandell

The Beginner’s Guide to Investing for Doctors

You know the difference between “diverticulitis” and “diverticulosis.” You can react instantly and calmly when…
person looking at investment charts and financials
Andrew Taylor

Direct Indexing

If you are an investor who follows the financial media, amid the stories of gloom…
physician computer stethoscope, and iPad showing investments
Doctors

Investing as a Doctor: 5 Tips for Beginners

As a doctor, you dedicate your life to caring for others and positively impacting their…
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David Mandell

Financial Lessons Learned from the Pandemic

Now that we have reached Summer 2021, when over 150 million Americans have been vaccinated,…
doctor writing prescription for financial wellness - financial guide for physicians and doctors
David Mandell

Achieving Financial Wellness: A Guide for Physicians

The term “wellness” has become increasingly popular in the general public at large, and within…
traditional or roth ira
Bob Peelman

Bear Market Offers Opportunity for Roth IRA Conversions

In May 2022, after several months of volatility across all financial markets, the S&P 500…
cash image
Andrew Taylor

Are You Getting Adequately Paid for Your Cash?

Let’s start by getting to the point. You should call your bank and find out…
person assessing risk tolerance during market volatility with prospect theory
David Mandell

Assessing Your Investment Risk Tolerance with Prospect Theory

Investors, including physicians, certainly understand that any type of investing involves risk – as does…
Roll of cash (USD) with a chain and combination lock around it.
Doctors

Asset Protection for Physicians: Your Information Hub

From HIPAA liability to malpractice claims, physicians have unique challenges to juggle. Added to factors…
Physician reviewing employment benefits for doctors
David Mandell

The Starter Guide to Doctor Benefits: 401(k)s and Much More

Competitive benefits are necessary to attract top talent, and employers in the medical field understand…
financial team reviewing long-term retirement plan
David Mandell

Why Your Long-Term Financial Plan Must Be Flexible

The Greek philosopher Heraclitus is quoted as saying “the only constant in life is change.”…