The Freedom Formula for Physicians | How Doctors Cut Debt & Slash Taxes | Business Of Medicine | Financial Education

Have you ever been to a place where you just didn't want to go to work anymore? Maybe... you're feeling tired, emotionally callous, worn-out... burned out. I read a statistic the other day that shocked me... 50%, yup, that's no lie, 50%- 1 out of every 2 physicians are burned out today. Our next guest is a physician that underwent fellowship training in integrative medicine. She spent 15 years in private internal medicine practice. She then transitioned out of practice by combining integrative medicine with mindfulness solutions. Today, she is helping physicians navigate through turbulent waters to find peace of mind and live the life of their dreams. In this podcast, Dr. Aikens reveals: - 5 ways mindfulness can increase your resilience - How physicians get caught like a deer in the headlights & the myth of the stories we tell ourselves - Discover the story of one cardiologist who wanted to stay in medicine & re-found his passion & love for medicine - 3 facts about physician coaches that will keep you up at night, if you don't have the right coach! Resources Mentioned: Seak Non-Clinical Career Conference "Resilience" by Steven Southwick "What Happy People Know" by Dan Baker "4 Hour Work Week" by Tim Ferriss   For all the show notes, transcription, and more, check out the podcast website at http://doctorfreedompodcast.com/ ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In this podcast, Dave Denniston talks about his most embarrassing moment ever! What about you? What was your most embarrassing moment? Have you ever been embarrassed about a decision with money? What have you done about it? For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In this podcast, Dave reviews over Dennis Hursh's book "The Final Hurdle". Dave shares the following: - The highlights of RVUs and what every resident & fellow should consider - How physicians considering private practice can avoid pitfalls - What benefits can be negotiated and not negotiated Finally, he is giving away ONE free copy! The first person to e-mail dave@daviddenniston.com with your name & address will get a free copy! For all the show notes, transcription and more, check out the podcast website at www.doctorfreedsompodcast.com

In this podcast, Dave Denniston talks about a crazy, insane story of a physician who got hit with an unexpected six-figure bill! Dave shares the following: - The challenge that young physicians HAVE to consider when they leave when the position to start another - How a physician was scraping by and begging friends and family to help them out afterward - Learn how Contract Diagnostics was able to knock off five-figure off the six-figure bill   For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In this podcast, Dave Denniston talks about the Top 5 Podcasts for Physicians. Dave shares the following: - The FIRST podcast is done by an ER physician and shares intriguing thoughts on medicine & life. - The SECOND podcast is hosted by a young physician who focuses on the future of medicine & entreprenuership - The THIRD podcast is done by a pair of doctors who focus on treatments - The FOURTH podcast is done by a journal that I found fascinating - The FIFTH podcast sounds a bit like NPR, but has lots of good content For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

One of the areas I am incredibly passionate about is doctors becoming business owners. In this world where hospitals are gobbling more & more practices, there are a lot of financial & emotional incentives to start & maintain your practice. That’s why I thought I would bring as a guest, Dr. Tedd Koren. Dr. Koren is a great entrepreneur and healer. He has many words of wisdom that can help many whitecoats- whether you are a doctor, dentist, or chiropractor. In his own quest to heal from an accident, Dr. Koren began to research ways of improving care. In this podcast, Dr. Koren reveals: - Learn how the horrible accident that caused Dr. Koren to stop his practice & his search for healing 10:09  -How doctors, dentists, & chiropractors could create their own healing system that patients and other practitioners could follow 12:51  - His piece of amazing advice to young white coats 16:35-  He tells you how he got on TV & radio and what you can do to book yourself solid for years on end For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In this podcast, Dave Denniston talks about 3 Shockingly Easy Elements of Physician DI Policies. Dave shares the following: - The FIRST is the biggest determinant of your cost and you have COMPLETE control over it - The SECOND is an incredibly easy way to CUT your costs WITHOUT cutting your benefit - The THIRD is where a lot of insurance salespeople sell a "Cadillac Escalade" policy when all a physician needs is a Honda Civic. Find out how you can change your policy even if you have had it in place for years. For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In this podcast, Dave shares how his wife was gone for two weeks in back-to-back-to-back trips and he was left as a single parent! He was left with a huge appreciation for folks that do this all the time and gives a big shout out to single parents. If you are a single parent that is a doctor or a dentist (or whoever!), how are you handling it? What are the financial challenges and struggles you are facing? How can Dave best help you out? E-mail dave@daviddenniston.com and let him know your thoughts. For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.  

In this podcast, Dave Denniston talks about a previous life event and the journey of getting back on his feet.   For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In this podcast, Dave Denniston talks about a recent client experience and the journey of getting rid of a timeshare. Dave shares the following: - Three great resources to sell your timeshare (including one to see if it may even be possible!) - The EASY option to unload your timeshare and get a tax write-off - How you could buy more timeshare credits- where to buy and where NOT to buy them For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In this podcast, I interview the Entrepreneurial MD, Dr. Phillipa Kennealy. With so many physicians punching the clock every day, today, as employees, I really sense a shift coming. There are so many doctors that are unhappy now. I think a big change is upon us and that physicians want to reclaim their time & their freedom. I believe that physician entrepreneurs are going to come back. Who better to speak to this than a physician who has done it herself? That’s why I thought I would bring as a guest, my friend, Dr, Philippa Kennealy. Philippa is President of The Entrepreneurial MD. She works with physicians who are struggling to become entrepreneurs and build their own successful businesses. In this podcast, Philippa reveals: - Learn about the wide array of businesses that physicians have started that Dr. Kennealy helped to coach -  Discover the top books that Dr. Kennealy recommends to other entrepreneurial MDs - Learn the critical pitfalls that physicians make when starting a business For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

My name is Dave Denniston. Welcome back to the latest episode of The Freedom Formula for Physicians Podcast. Physicians today are working so hard.  In the midst of a grueling work schedule, our families can be forgotten. Unfortunately, this leads to doctors and dentists having some of the highest divorce rates in the country. In my book The Freedom Formula for Physicians, I talk about one of the biggest mistakes that many physicians make is this lack of work-life balance and not making the effort to pour time and energy into their marriage. It can be really hard to put this all together. That’s why I thought I would bring as a guest, Julia Orlando. In this podcast, Julia reveals: - The biggest excuse physicians make throughout their marriage & what you can do about it - How many physicians AND their spouses are burned out - The 3 stages of burn-out and how to resent plays into the process - 3 of her favorite ways to GET HAPPY For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In this podcast, Dave Denniston reveals 5 Key Secrets to Success for Young Physicians. We discover: - His proprietary formula for both primary care physicians and specialist physicians to work towards saving for their first home, pay down their debts, & still enjoy life - Learn about a few excellent resources every young physician should know when considering debt forgiveness programs - The BIGGEST financial stumbling blocks that hold many physicians back and force them to stay in assembly-line medicine for decades and decades and decades   For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In this special 3 on 3 videos, I reveal 3 incredibly important tools that are vital to my podcast (PLUS a 4th Mega Bonus that could save you hundreds of dollars, if not thousands of dollars!) 0:59 Tool# 1: Learn the theme and source for my website, DoctorFreedomPodcast.com. It's crazy cheap to get! 1:36 Tool# 2: The website software for editing that's so easy to use- even I can do it! 2:09 Tool# 3: The software I use that automatically pulls from my hosting website post right to my Itunes podcast account. It's like getting published in 3 places at the same time!   For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

One of my secret obsessions lately has been networking with physicians on LinkedIn. It’s been a lot of fun meeting and connecting with doctors in the US and throughout the world. Anyhow, I had reached out and mentioned in an update that I was looking for interesting guests on my next podcast episode. A physician reached out to me and I thought he has a really cool story to tell and it got me thinking and wondering how medicine compares and contrasts with an experience overseas. Our guest today is Dr. Sameer Gupta. He got his MBBS in India and a couple of years later moved to the US where he did his residency & fellowship. In this podcast, we discover: - how medicine has taken a 360-degree turn in India over the 10 years Dr. Gupta spent in the states - Find out the differences between residency & fellowship between the US/India 15:00:  Learn how US-based undergrad students could save $200,00+ in educational costs (Hint: Some Indian docs pay less than ????? for all of the medical school?!?!) 16:22  How Dr. Gupta had to learn a totally different language during medical school and how an adventurous US student could do the same without any problems For all the show notes, transcription, and more, check out the podcast website at www.doctorfreedsompodcast.com ----more---- ----more---- ----more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.