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In this episode, Joseph Ryan Smolarz sits down with Pete Krull to break down impact investing, ESG, and how smart capital can drive real-world change. They explore how sustainable investing has evolved, why environmental, social, and governance (ESG) metrics actually function as risk management tools, and how climate exposure can materially affect investment returns.

Pete explains why personalized financial planning matters more than generic models, why relationships come before portfolios, and how values-aligned investing leads to better long-term outcomes for clients. The conversation also highlights how parents and advisors can teach the next generation to “vote with their money” — building habits of responsible consumption and intentional investing.

If you want to understand impact investing, climate risk, ESG investing, and how entrepreneurship can shape a more sustainable future, this episode is a must-watch.

Topics covered:
• What impact investing really means
• How ESG reduces investment risk
• Climate change and portfolio performance
• Relationship-based financial planning
• Teaching kids about responsible investing
• How entrepreneurs can create positive change

Subscribe to The Medicine and Money Show for more conversations on investing, wealth, and building a better future.

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Financial Strategies for Medical Practices: Interview with Fractional CFO Carl Stoddard | Medicine and Money Show

Want to maximize your medical practice profits? In this episode, host Ryan Smolarz interviews Carl Stoddard, a fractional CFO specializing in medical practice financial strategies. Carl discusses the critical financial aspects doctors face when running their practices.

🎯 CHAPTERS & TIMESTAMPS:
0:00 - Introduction to Medical Practice Financial Management
3:30 - Carl Stoddard: Fractional CFO for Medical Practices
7:00 - Understanding Practice Profit Margins
11:15 - Key Financial Metrics Every Doctor Should Track
16:00 - CFO vs. CPA: Which Does Your Practice Need?
20:30 - Revenue Cycle Management for Physicians
25:00 - Managing Medical Practice Overhead
29:45 - Tax Strategies for Medical Professionals
34:15 - Building Wealth While Running a Practice
39:00 - Preparing Your Practice for Sale or Partnership
44:30 - Financial Forecasting and Planning
49:00 - Action Steps for Practice Owners
54:15 - Final Thoughts and Resources

📚 WHAT YOU'LL LEARN:
- Key financial metrics every doctor should track
- The difference between CFO and CPA services
- How to maximize medical practice profit margins
- Revenue cycle management best practices
- Tax strategies specifically for medical professionals
- How to manage practice overhead effectively
- Building personal wealth while running a practice
- Preparing for practice sale or partnership opportunities

💬 ENGAGEMENT HOOK:
What's your biggest financial challenge as a practice owner? Are you tracking the right metrics? Share your questions in the comments!

🎁 RESOURCES:
Subscribe to the Medicine and Money Show for weekly content on practice management, physician wealth building, and financial strategies.

#DoctorFinance #MedicalPractice #CFOTips #PhysicianWealth #PracticeManagement #HealthcareFinance #DoctorBusiness #MedicalPracticeProfit #PhysicianFinancialPlanning #HealthcareBusiness

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Most physicians build wealth the WRONG way—and waste decades catching up.

But what if you could build a $10M+ investment portfolio using the strategies financial experts actually use?

In this episode, Dave Denniston (CFA Charter Holder & Fractional CFO) breaks down the exact financial framework physicians need to escape the debt trap and build real generational wealth.

🎯 THE FINANCIAL FOUNDATIONS PHYSICIANS NEED:

✅ Why most doctors stay poor (despite earning $200K+)
✅ The "financial avatars" framework for physicians
✅ How to think about risk differently than Wall Street teaches
✅ Why investing is MORE important than your salary
✅ The ONE metric that determines your financial future
✅ Tax strategies that save $50K-$200K annually
✅ Debt elimination in 5 years (instead of 20)

💰 THE REAL NUMBERS:
• A physician earning $250K/year can build a $10M portfolio in 15 years
• Tax optimization saves $20-40% of investment returns
• Proper risk management prevents devastating losses
• Compounding turns small investments into millions

📊 WHAT YOU'LL DISCOVER:
• Different financial avatars in medicine (which are you?)
• Practical steps toward financial freedom
• How to think differently about risk, investing, and debt
• Income streams every physician should explore
• The tax mistakes costing you $500K+ in your career
• Why financial planning beats get-rich-quick schemes

📈 CHAPTERS:
0:00 - Introduction to Financial Freedom for Doctors
3:15 - Dave Denniston: CFA and Financial Advisor Background
6:30 - Understanding Different Financial Avatars in Medicine
10:00 - The Real Cost of Medical School Debt
14:30 - Thinking Differently About Risk and Investing
18:45 - Income Streams Every Physician Should Consider
23:00 - The Power of Compounding for Doctors
27:30 - Behavioral Pitfalls to Avoid in Physician Investing
32:00 - Tax Strategies for Physician Wealth Building

🎤 FEATURED EXPERT: Dave Denniston, CFA Charter Holder
Financial advisor and entrepreneur specializing in physician financial planning

🔥 THIS EPISODE IS FOR:
• Doctors drowning in student loans
• Physicians making great income but not building wealth
• Medical professionals wanting financial independence
• Doctors tired of financial anxiety
• Healthcare entrepreneurs planning exits

⚠️ WARNING: Without proper financial strategy, physicians lose $3-5M in lifetime earning potential through tax inefficiency alone.

🔔 Subscribe for more financial freedom strategies for physicians. New episodes weekly.

TAGS: Physician Finances | Financial Freedom | Investment Strategy | Wealth Building | Doctor Money | Financial Planning | CFA Strategies | Debt Elimination | Physician Entrepreneur | Financial Independence