Before Amazon was Amazon, some people took a huge risk and bought stock in the company. Luckily, that risk paid off for them! Now, history is repeating itself with some AI stocks where they could be the next Amazon, or they could completely fail. So, how should physicians who want to invest in AI take an appropriate level of risk? Nate Renieke and Kyle Hoelzle answer exactly that and break down how you can make riskier investments and still be on track for retirement. We discuss how investing “extra” money allows doctors to invest in the “hot” new things, if they want to, while still saving enough to retire without regrets. We also answer your colleagues’ questions. A Family Medicine doctor in Oregon says, My wife is retiring soon at 50, and she is wondering if it makes sense to do Roth conversions in her 401(k) plan? A Dermatologist in Texas asks, I have accumulated several million dollars, and according to your plan, I could retire today. My portfolio is made up mostly of stocks, but is it a good idea to adjust it so I own more bonds? An Emergency Med Doc in North Carolina was told by their CPA to not be in a solo 401(k) and instead be in a SEP IRA. They want to know what we think of that advice. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match, 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

Disability insurance may feel like just another thing physicians have to figure out. Like a retirement account, your employer may offer a plan, but that is almost never enough to cover your bases. Nate Reineke and Ben Utley are joined by Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF (or Larry to us). From his New York office, he’s been working with doctors for more than 30 years. We break down when an individual, private policy is necessary, and when in your career you can consider dropping your policy. Be sure to listen to the end, where Larry explains the most common mistake he sees physicians make and how shopping for an agent, rather than a policy, can help you save on your premiums. If you’d like to work with Larry, you can reach him at lkeller@physicianfinancialservices.com or by phone at 516-677-6211. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match 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 This podcast is intended for general public use and is for informational purposes only. The Physician Family Finances podcast is not affiliated with or endorsed by Park Avenue Securities, Guardian, or Physician Financial Services and opinions stated are their own. Lawrence B. Keller is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 355 LEXINGTON AVE, 9TH FLOOR, NEW YORK NY, 10017, 212-261-1850. Securities, products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Physician Financial Services is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #0C37340, AR Insurance License #1057229. 7545285.4 Exp 8/27

You’ve planned, you’ve saved, and finally, you've retired. Now it’s time to spend what you’ve saved and enjoy all the retirement vacations you’ve been planning. Listen in as Nate Reineke and Chelsea Jones dive into when you should start proactive backdoor Roth conversions and what accounts you should withdraw from first. We also break down what approaches you can use if donating to charity is part of your retirement goals and how working part-time may impact your Social Security. Be sure to listen to the end to hear the one lever you can pull if life suddenly changes while you’re retired and you don’t want to go back to work. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match 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