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PODCAST

Financial Clarity for Doctors

Corey Janoff and Rachelle Vanderzanden of Finity Group discuss pertinent financial planning topics affecting doctors and other medical professionals.

business investing

All Episodes

31:01

Planning for Pet Expenses

Financial Clarity for Doctors ·

2025/02/03

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss all the fun expenses that come along with pet ownership. When you love something, it tends to cost you a little more!Topics covered in this episode include: Basic ongoing expenses of pet ownership. How the costs of pet ownership have changed over time. The ins and outs of pet insurance. How to be prepared for large, unexpected costs and deal with them when they arise. We have all heard or

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35:21

What it Means to Be a Fiduciary

Financial Clarity for Doctors ·

2025/01/20

If you’ve researched financial planning and professional advice, chances are you have come across the word ‘fiduciary’. But what does it really mean? In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff unpack the word and other qualifications for Financial Advisors.Tune in to hear more about: The different standards financial professionals are held to depending on their licensing, including: A fiduciary or best interest standard The suitability

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32:37

Year in Review & 2025 Predictions

Financial Clarity for Doctors ·

2025/01/06

In this episode of Financial Clarity for Doctors, Corey and Rachelle check the accuracy of their crystal ball and try out some predictions for next year (even though they have proven they’re not great about it!).Tune in to hear more about what they expect on: The stock market Student loans Interest rates Basically, everything that you can’t really predict! For 2024, moderate guesses tended to be fairly safe, but the more outlandish ones were way off base. Who would have guessed! Neither thought

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38:20

New Retirement Savings Rules

Financial Clarity for Doctors ·

2024/12/23

In this episode of Financial Clarity for Doctors, our hosts Rachelle Vanderzanden and Corey Janoff chat through some upcoming changes to retirement savings rules. A handful of adjustments happen every year, but there are also some new updates coming up because of the Secure Act and the Secure Act 2.0. Updates include: Details on increases to contribution limits. New 401k/403b catch up rules for folks aged 60-63. New Roth rules for catch up contributions starting in 2026. Updated limits on social

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37:28

Should You Do That Home Renovation?

Financial Clarity for Doctors ·

2024/12/09

In this episode of Financial Clarity for Doctors, Corey and Rachelle walk through when it makes sense to tackle home renovations (and when it doesn’t). As always, think about your goals and the resources needed to achieve those goals.Good examples of renovations include: Necessary repairs and maintenance. If you don’t do it now, you’re likely going to NEED to do it later. Smaller cosmetic updates like paint. These are typically lower cost and can increase the value of your home. Larger remodels

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29:47

Should You Pay Off Your Mortgage Faster

Financial Clarity for Doctors ·

2024/11/25

In this episode of Financial Clarity for Doctors, Corey and Rachelle talk about the pros and cons of paying extra on your mortgage. When interest rates were lower, there was not a lot of incentive to pay down a very low-interest rate debt faster than necessary. But with higher rates, it may make sense for you.Some things to consider include: Your mortgage interest rate Do you have a magical pre-2023 sub 4% interest rate mortgage? That is much different than the 7% plus on most mortgages right

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35:03

Why Home & Auto Insurance is So Expensive

Financial Clarity for Doctors ·

2024/11/11

The economy is doing well, but if that’s the case, why do day-to-day expenses feel tight for so many people? In this episode of Financial Clarity for Doctors, Corey and Rachelle tackle one expense that has been hit hard by inflation. But why has home and auto insurance become so much more expensive? In this episode, we tackle: The basic structure of home and auto insurance A few reasons why these insurance lines have become more expensive, including: More expensive/larger homes and

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45:20

Will Housing Ever Be Affordable?

Financial Clarity for Doctors ·

2024/10/28

In the midst of a housing shortage, Corey and Rachelle walk through some of the reasons housing has become so expensive in this episode of Financial Clarity for Doctors. Is it possible for this to get better in the future?Some of the topics discussed include: Supply and demand for housing The influence of the 2008 housing crisis and the pandemic The affects of regulation on housing costs The changing dynamics of home ownership including foreign investors and short-term rentals Possible solutions

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40:28

Getting Together & Breaking Up: Planning for Couples

Financial Clarity for Doctors ·

2024/10/14

In this episode of Financial Clarity for Doctors, Corey and Rachelle tackle planning for couples. Whether you are working on moving in with someone, getting married, or separating after a long-term relationship, you will have some big financial decisions. Open communication can be key, but what should you even be talking about? Financial topics that affect couples include: The simple things like paying bills! How to manage banking and split household expenses. Questions of ownership. What if you

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34:38

Investing in an Election Year

Financial Clarity for Doctors ·

2024/09/30

Politics can certainly make life spicy and a little stressful! But how should things like a presidential election affect your investment decisions? Should they at all? In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff discuss some of the implications of investing during a presidential election year. In this episode you will hear about: A few basics on how the stock market functions, including everyone trying to use their crystal balls to guess what happens

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42:09

Life Insurance Considerations for Doctors

Financial Clarity for Doctors ·

2024/09/16

It’s September and that means we are diving into life insurance awareness month! The reason we need a whole month to raise awareness on this topic is because nobody wants to think about their own mortality; but it’s still important. In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff discuss why, when, and how to explore life insurance. In this episode you will hear about: Some of the reasons people secure life insurance. The process to get life insurance. The

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39:48

Preparing for Declining Interest Rates

Financial Clarity for Doctors ·

2024/09/02

In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden discuss the changing interest rate environment and a few things to think about as the economy adjusts. Interest rate discussion topics include: How the Federal Reserve uses interest rates to influence the economy. How interest rates can potentially affect the stock market. Mortgage interest rates and refinancing. Housing costs. High yield savings accounts and certificates of deposit. Interest rates have a

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31:30

College Savings Revisited

Financial Clarity for Doctors ·

2024/08/19

Rachelle Vanderzanden and Corey Janoff revisit the topic of saving for college in this episode of Financial Clarity for Doctors. We walked through some basics on this topic a few years ago, but things change over time! Some of the topics covered include: Discussing how you would like to support your children with higher education. Establish some goals! The increasing costs of higher education. Savings ahead of time vs paying out of pocket as expenses arise. Different types of accounts that can be

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31:47

What if You Need to Decrease Savings?

Financial Clarity for Doctors ·

2024/08/05

In this episode, Corey and Rachelle talk about when and how to potentially decrease your savings. We spend a lot of time talking about how to save more over time, but sometimes life happens and you may need to make some adjustments in the other direction. Listen to the episode to learn more about how to thing strategically about making these adjustments.Thoughts to consider from this episode: Assess why cash flow is tight: New baby? New mortgage? Is this a temporary change? Go back to your

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31:53

What You Need to Know About Social Security

Financial Clarity for Doctors ·

2024/07/22

In today’s episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff discuss the ins and outs of Social Security. Some of the history behind it. How the benefits work. Will it be around in the future?Some highlights from today’s episode: The history of Social Security and what it was designed for. How it is funded. How benefits are calculated and where to find your estimated future benefits. Some examples based on when you start receiving Social Security benefits. The

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41:52

You're Inheriting Money; Now What?

Financial Clarity for Doctors ·

2024/07/08

In today’s episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff discuss some basics of what it means to inherit money. Projections show that there will be a large transfer of wealth from Baby Boomers to younger generations. How will that be taxed? What should you do with the money? Inheritance considerations discussed in this episode include: How do assets move from one person to another when someone passes away? What happens when someone passes away without a

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38:06

State of the US Economy

Financial Clarity for Doctors ·

2024/06/24

In this episode, Corey Janoff and Rachelle Vanderzanden walk through some key economic indicators of the US Economy in early 2024. The media would have us believe things are going very poorly, but how do we interpret the data?US Economic Indicators: Inflation is the biggest issue people mention, but has decreased substantially to 3.4% year over year in April of 2024. When adjusting for wage increases, people are generally not paying more as a percentage of their income in 2023 for goods and

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38:31

Increasing Your Luck Surface Area

Financial Clarity for Doctors ·

2024/06/10

Rachelle Vanderzanden and Corey Janoff tackle some ways to increase occurrences and the impact of good luck (and decrease the impact of bad luck) in this episode of Financial Clarity for Doctors. There will always be things out of our control, and we might as well prepare for them the best we can.How do you increase chances of “good luck” and decrease chances of “bad luck” in your financial plan? Have some extra cash on hand for emergencies. Work hard and be kind. If you have the support of the

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30:05

Do You Feel Rich?

Financial Clarity for Doctors ·

2024/05/27

In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden talk about the moving goalposts of what it means or feels like to be “rich”. Such a loaded word! But how much you earn or have may not matter nearly as much as where you live or even your attitude. If we compare ourselves with some averages, it can put things into perspective a bit.How do you even measure being rich? Income – Keep in mind that many of our listeners are in the top 5-10% of earners in the

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31:04

Needs vs. Wants

Financial Clarity for Doctors ·

2024/05/13

In today’s society, there are many, many things that we feel we need. But in reality, many of those things are not needed, they are wanted. To be clear, there is nothing wrong with wanting things! In this episode of Financial Clarity for Doctors, Rachelle and Corey will chat about how to differentiate between needs and wants in your life to help keep things in perspective.This can apply in many areas of our lives including: Housing – Yes, we all need a roof over our heads. But beyond that, how

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