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Financial Clarity Blog

Helping people make smart financial decisions.  

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Expect the Unexpected

I found myself lying prone in an MRI tube with my arms extended on top of my two-year-old son, trying to hold his head still so they could get images of his brain without giving him anesthesia. As he’s crying and trying to wriggle free, I was wondering, am I going to be one of those parents whose kid has brain cancer?

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Term vs. Whole Life Insurance

The term vs. whole life insurance debate is a popular one, especially amongst higher income individuals, such as our physician and dentist clients. Today we will explain what is the difference between term and whole life insurance, how term life insurance works, how whole life insurance works, discuss other cash value life insurance alternatives to whole life, and identify scenarios where each type could be appropriate.

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Last Year of Residency Finance Checklist

As a doctor in the last year of residency or fellowship, you can see the light at the end of the tunnel! Now is the time to get your financial house teed up for success as you will soon morph into a new attending physician. This week we put together a short finance checklist of things to address in the last year of residency or fellowship to help you on your journey. Let’s get started!

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Own-Occupation Disability Insurance

Own occupation disability insurance. It’s a regularly searched term for specialized professionals, such as doctors. Some people will search for physician disability insurance. Others may search for occupational disability insurance. I can see how own occupation disability insurance and occupational disability insurance can be interchangeable terms. The more commonly referenced terminology for occupation-specific disability insurance is “own occupation disability insurance,” so we’ll stick with that for today.

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You Don’t Need A Long-Term Care Policy, You Need Longevity Planning

Longevity planning and Long-Term Care planning are an integral part of a solid financial plan, especially for LGBT families. But you have to trust that the advisor you work with will help you find, what you want, what you need, what you can afford, and what you can get approved. They also need to give you options if you cannot get the type of coverage you want or need. It is helpful to work with someone who is an expert in working with someone like you.

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How Much Income Do I Need to Protect

One of the most overlooked components of financial planning is income protection. Income is the linchpin that holds your entire financial world together. Unless you are independently wealthy and don’t need to work anymore, you probably rely pretty heavily on your earnings. If this is the case, you should probably do everything in your power to ensure your income continues to flow, even if you are unable to work.

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How Much Life Insurance Do I Need?

In the last couple of weeks, I cannot count how many times a client has reached out to me asking about their life insurance. I get questions clarifying whether or not life insurance will pay if they die from COVID-19 (it will). I also have people asking me to help them get more life insurance in a hurry.

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