A listener emailed me who is lucky enough to get a generous gift every year from their grandparents of $14,000 in stocks. The stock is all from a single company that her grandfather worked for decades ago. Because he bought it early in the companies history it's basis is $0, meaning that they are on the hook for capital gains tax for anything they sell it for. The stock does relatively well and pays out good dividends. However, they don't love the risk of owning so much in one stock. He wanted to know what I thought they should do. Is the risk of keeping the stock outweighed by the tax penalty of selling the stock? Is there a way to convert this stock to a safer index fund without having to pay the capital gains tax? We are not all so fortunate to have relatives that gift us so much in stocks but it is still a question that I get every now and then so I wanted to address what to do with individual stocks in your taxable account, the pros and cons of selling them vs keeping them as a legacy holding in your portfolio.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Bob Bhayani at Doctor Disability Quotes.com . They are a truly independent provider of disability insurance planning solutions to the medical community nation wide. Bob specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. Contact Bob today by email at info@drdisabilityquotes.com or by calling 973-771-9100.
In this episode I speak with a young periodontist about his finances. He is doing great, having already paid off all his student loans relatively quickly. But like many of the WCI listeners and readers he started out with a financial advisor that tried to sell him insurance that wasn't right for him and he is in the process of moving on from that financial advisor. He is saving for a house down payment, upgrading a beater car from dental school, saving to buy a practice, and of course, saving for retirement. Lots of competing uses for his money. He has all the same challenges his young physician counterpart has and there is something for most to learn in this episode.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
If you’re like many of your peers, your heart probably drops each time you see how much you owe in medical school loans. But, it doesn’t have to be this way. You don’t have to live life with high payments or high interest. CommonBond lets Doctors take their old, expensive medical school loans and trade them in for one at a lower rate, saving, on average, $50,615! You're also protected by an industry leader in borrower protections, because life is unpredictable. You'll have an award-winning service team helping you every step of the way. And, the commitment free application will show you your savings in two minutes As a member of the WCI community, you’ll get a $500 bonus when you refinance with CommonBond. Apply today at https://www.whitecoatinvestor.com/commonbond to lock in your savings before interest rates go up. CommonBond is a licensed lender. NMLS number 1175900
I was asked for some good strategies for investing in bonds in a rising interest rate environment. This episode I discuss short term, money market funds, inflation adjusted, and stable value funds. But don’t extrapolate the past into the future. Interest rates may go up, down, or stay flat. I don't have a working crystal ball. So I prefer a fixed asset allocation strategy.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Splash Financial, a leader in student loan refinancing for doctors. Consolidate and refinance your federal and private student loans to save money and simplify your life. No application or origination fees and no prepayment penalties. Splash has new rates as low as 3.75% fixed APR which can save doctors tens of thousands of dollars over the life of their loans. Plus, WCI readers receive a $500 welcome bonus for refinancing with Splash. You can even use their loan assessment tool to compare government repayment options against refinancing. Visit whitecoatinvestor.com/splashfinancial to learn more and to check your rate in minutes.
Dr. Jason Mizell has been teaching a personal finance and investing course at his academic institution for medical students and residents for several years. It is inspiring to see what he has created and the difference he is making in the lives of these trainees.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Adam Grossman of Mayport Wealth Management. Adam is a Boston-based advisor and works with physicians across the country. Unlike most other advisors, Adam offers straightforward flat fees for both standalone financial planning and investment management. Whatever stage you're at in your career, Adam can help you get organized with a personalized financial plan and can help you implement it with a low-cost index fund portfolio. Adam is a Chartered Financial Analyst and received his MBA from MIT, but more importantly, you'll benefit from Adam's own personal experience with many of the same financial obstacles and opportunities that face physicians. To learn more, visit Adam's website mayport.com/whitecoat to download a free e-book especially for physicians.
One listener felt a lot of my podcasts are geared toward the younger physician. She really wanted to know more about investing as she nears retirement. She had questions like is a portfolio 100% in index funds appropriate for a retiree? What about alternative strategies - bond ladders, dividend paying stocks, using options as an insurance policy, and those types of things. A common misconception is that someone nearing retirement should do something dramatically different than a 25 year old. Bear in mind a typical 55 year old still has a 30 year investing career. The right investments for a 55 year old are exactly the same as the ones for a 25 year old. But perhaps the mix will be a little different.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Alexis Gallati of Gallati Professional Services - Alexis is not your typical tax advisor. With over 15 years of experience, she has been helping physicians all over the country save money on their taxes. As the spouse of a busy physician, she understands the burden of high tax payments physicians incur during their lifetime. Not only will she create a high level strategic tax plan for you, guaranteeing money in your pocket, but Alexis will proactively work with you throughout the year to maintain your tax plan, prepare your annual tax returns, and represent you in case of an audit. The investment in her tax planning services is a fixed-price agreement and her tax maintenance packages are a flat monthly fee. If you’re tired of complex tax jargon and giving away most of your paycheck to the IRS, visit Alexis’ website at www.GallatiTax.com today to schedule your free initial consultation.
Ever wondered what is was like to practice medicine in the UK? It is fascinating to see the differences in medicine and physicians' finances between the States and those practicing in England. Dr. Ramskill walks us through the training, practicing, and finances of British physicians.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
If you’re like many of your peers, your heart probably drops each time you see how much you owe in medical school loans. But, it doesn’t have to be this way. You don’t have to live life with high payments or high interest. CommonBond lets Doctors take their old, expensive medical school loans and trade them in for one at a lower rate, saving, on average, $50,615! You're also protected by an industry leader in borrower protections, because life is unpredictable. You'll have an award-winning service team helping you every step of the way. And, the commitment free application will show you your savings in two minutes. As a member of the WCI community, you’ll get a $500 bonus when you refinance with CommonBond. Apply today at https://www.whitecoatinvestor.com/commonbond to lock in your savings before interest rates go up. CommonBond is a licensed lender. NMLS number 1175900
This episode is choke full of listener questions from should you get a retirement plan for your employees to revocable trusts to the age old questions of why bonds and investing vs paying off debt.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Splash Financial, a leader in student loan refinancing for doctors. Consolidate and refinance your federal and private student loans to save money and simplify your life. No application or origination fees and no prepayment penalties. Splash has new rates as low as 3.75% fixed APR which can save doctors tens of thousands of dollars over the life of their loans. Plus, WCI readers receive a $500 welcome bonus for refinancing with Splash. You can even use their loan assessment tool to compare government repayment options against refinancing. Visit whitecoatinvestor.com/splashfinancial to learn more and to check your rate in minutes.
This episode I interview an academic doctor about her finances. She is in the process of firing her financial advisor and becoming a do-it-yourselfer. We talk about what accounts she has, asset allocation, 529s, dealing with capitol gains in her taxable accounts, and more. If you have ever thought of becoming a do-it-yourselfer this episode is for you. It isn't that hard and we will help you successfully manage your finances.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Bob Bhayani at Doctor Disability Quotes.com . They are a truly independent provider of disability insurance planning solutions to the medical community nation wide. Bob specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. Contact Bob today by email at info@drdisabilityquotes.com or by calling 973-771-9100.
A cash balance plan is a type of defined benefit plan (pension) that acts like a defined contribution plan (401K). When private companies were trying to get rid of their expensive pension plans, many of them converted their pension plans into cash balance plans, since they cost the company less. Employees didn’t like this, as their benefits were often lower, but it does provide an option for a physician or similar professional to shelter some more money from Uncle Sam. In this episode we discuss how they work.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Adam Grossman of Mayport Wealth Management. Adam is a Boston-based advisor and works with physicians across the country. Unlike most other advisors, Adam offers straightforward flat fees for both standalone financial planning and investment management. Whatever stage you're at in your career, Adam can help you get organized with a personalized financial plan and can help you implement it with a low-cost index fund portfolio. Adam is a Chartered Financial Analyst and received his MBA from MIT, but more importantly, you'll benefit from Adam's own personal experience with many of the same financial obstacles and opportunities that face physicians. To learn more, visit Adam's website mayport.com/whitecoat to download a free e-book especially for physicians.
Investing in online businesses is a relatively new asset class for most investors. But can be a great place to invest some of your portfolio. If you ever wondered how do you invest in websites this episode is for you. Gregory Elfrink from Empire Flippers walks us through the process of buying an online business and gives us the ins and outs of this asset class.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by our friends at Zoe Financial. Finding a reputable financial advisor can be difficult. And even more difficult, is finding an advisor you personally connect with, that also specializes in the areas where you need help like taxes, diversifying investments, or just budgeting. That’s where Zoefin.com comes in. They have developed an algorithm that matches you with with an advisor based on your unique life stage & goals. All of the advisors in Zoe’s network are independent, accredited, fee only fiduciaries - amazingly this means that Zoe rejects 95% of the advisors they interview, so you don’t have to waste time with sales people. Visit Zoefin.com/whitecoat to take their quiz and schedule your free call today.
Is there such thing as good debt and bad debt? Is it good to carry some form of debt for your credit score? Is buying things on a credit card and then paying it off each month accumulating good debt/credit? Listen to this episode if you have ever had questions like that. But I will give you a hint. Debt is debt. And it costs you money.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Splash Financial, a leader in student loan refinancing for doctors. Consolidate and refinance your federal and private student loans to save money and simplify your life. No application or origination fees and no prepayment penalties. Splash has new rates as low as 3.75% fixed APR which can save doctors tens of thousands of dollars over the life of their loans. Plus, WCI readers receive a $500 welcome bonus for refinancing with Splash. You can even use their loan assessment tool to compare government repayment options against refinancing. Visit whitecoatinvestor.com/splashfinancial to learn more and to check your rate in minutes.
Doc G of DiverseFI.com shares with us how he increased his primary care income to almost 7 figures. I have always been impressed that the intraspecialty income differences are so dramatic compared to the interspecialty income differences. Even if you are in one of the lower paying specialties, there are things you can do to increase your income.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Adam Grossman of Mayport Wealth Management. Adam is a Boston-based advisor and works with physicians across the country. Unlike most other advisors, Adam offers straightforward flat fees for both standalone financial planning and investment management. Whatever stage you're at in your career, Adam can help you get organized with a personalized financial plan and can help you implement it with a low-cost index fund portfolio. Adam is a Chartered Financial Analyst and received his MBA from MIT, but more importantly, you'll benefit from Adam's own personal experience with many of the same financial obstacles and opportunities that face physicians. To learn more, visit Adam's website mayport.com/whitecoat to download a free e-book especially for physicians.
It has been ten years since the Public Service Loan Forgiveness Program was created. The first people are up for loan forgiveness. So what happened? Did they get loan forgiveness? How will this affect your quest for loan forgiveness? Listen to this episode and all your questions will be answered and your fears calmed.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Bob Bhayani at Doctor Disability Quotes.com . They are a truly independent provider of disability insurance planning solutions to the medical community nation wide. Bob specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. Contact Bob today by email at info@drdisabilityquotes.com or by calling 973-771-9100.
I interview Dr. Champeaux in this episode about her experience raising an exceptionally talented son, a tennis player. But we also really delve into being a military doctor and how to publish about and promote financial literacy as an academic physician.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Splash Financial, a leader in student loan refinancing for doctors. Consolidate and refinance your federal and private student loans to save money and simplify your life. No application or origination fees and no prepayment penalties. Splash has new rates as low as 3.5% fixed APR which can save doctors tens of thousands of dollars over the life of their loans. Plus, WCI readers receive a $500 welcome bonus for refinancing with Splash. You can even use their loan assessment tool to compare government repayment options against refinancing. Visit whitecoatinvestor.com/splashfinancial to learn more and to check your rate in minutes.
Why should you invest in bonds at all? Especially if you are young or fresh out of training and could tolerate any changes in the stock market? I address this question and more in today's episode.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Adam Grossman of Mayport Wealth Management. Adam is a Boston-based advisor and works with physicians across the country. Unlike most other advisors, Adam offers straightforward flat fees for both standalone financial planning and investment management. Whatever stage you're at in your career, Adam can help you get organized with a personalized financial plan and can help you implement it with a low-cost index fund portfolio. Adam is a Chartered Financial Analyst and received his MBA from MIT, but more importantly, you'll benefit from Adam's own personal experience with many of the same financial obstacles and opportunities that face physicians. To learn more, visit Adam's website mayport.com/whitecoat to download a free e-book especially for physicians.
In this episode I talk with Nii Darko from Docs Outside the Box. Docs Outside the Box podcast brings stories of ordinary doctors doing extraordinary things to inspire other docs to think outside the box. We discuss some of these stories but also delve into his finances and how he and his wife paid off $600,000+ in student loan debt and are building the life they want.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
Did you know the average professional saves over $20,000 when refinancing with Laurel Road? Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country refinance federal and private school loans – over $3 billion to date. In addition to offering a $300 bonus for WCI readers who refinance student loans with Laurel Road, those in residency or fellowship can pay $100 per month throughout and up to 6 months after training. For more information and to submit an application, simply visit www.laurelroad.com/wcipc. L-A-U-R-E-L-R-O-A-D dot com, slash W-C-I-P-C. Laurel Road is a Division of Darian Rowayton Bank, FDIC insured and established in 2006, and is an equal opportunity lender.
In this episode I discuss all the things I don't invest in like precious metals, individual stocks, actively managed mutual funds, currencies, bitcoin, start-ups/angel investing, commodities, options, or insurance.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Bob Bhayani at Doctor Disability Quotes.com . They are a truly independent provider of disability insurance planning solutions to the medical community nation wide. Bob specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. Contact Bob today by email at info@drdisabilityquotes.com or by calling 973-771-9100
I interview Carrie Reynolds today from The Hippocratic Hustle Podcast. She developed The Hippocratic Hustle Podcast to create a space where women doctors can come together and share their stories of their business, project or side-hustle, to explore ways to stretch your hard earned dollars and be more efficient with your time and money.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by our friends at Zoe Financial. Finding a reputable financial advisor can be difficult. And even more difficult, is finding an advisor you personally connect with, that also specializes in the areas where you need help like taxes, diversifying investments, or just budgeting. That’s where Zoefin.com comes in. They have developed an algorithm that matches you with with an advisor based on your unique life stage & goals. All of the advisors in Zoe’s network are independent, accredited, fee only fiduciaries - amazingly this means that Zoe rejects 95% of the advisors they interview, so you don’t have to waste time with sales people. Visit Zoefin.com/whitecoat to take their quiz and schedule your free call today.
We discuss moonlighting and everything a doctor needs to know about this extra source of income. We also talk about side gigs for high income professionals in this episode.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information.
Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/ This episode is sponsored by Adam Grossman of Mayport Wealth Management. Adam is a Boston-based advisor and works with physicians across the country. Unlike most other advisors, Adam offers straightforward flat fees for both standalone financial planning and investment management. Whatever stage you're at in your career, Adam can help you get organized with a personalized financial plan and can help you implement it with a low-cost index fund portfolio. Adam is a Chartered Financial Analyst and received his MBA from MIT, but more importantly, you'll benefit from Adam's own personal experience with many of the same financial obstacles and opportunities that face physicians. To learn more, visit Adam's website mayport.com/whitecoat to download a free e-book especially for physicians.
Your three favorite physician finance bloggers all in one podcast! WCI, PIMD, and PoF answer listener questions in this episode ranging from how they prefer their chicken wings to how to help your colleagues learn to manage their money better. They discuss REITs vs buying rental property, getting on the same financial page with your spouse, and whether they would encourage their children to go into medicine. Plus lots more questions. You will find it informative and entertaining.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
Today's podcast is sponsored by Nomad Health. Nomad is a fast, easy, online way to find great doctor and nurse jobs. Looking for a freelance locums gig? Come to Nomad! Looking for a new full time job? Come to Nomad! Looking for a travel nursing job? Come to Nomad! And best of all, there are no brokers. It's all online, self-service, and totally transparent. No more phone calls and spam emails from agency recruiters. You can check out Nomad at nomadhealth.com.
Long term care insurance, cancer supplemental insurance, disability insurance - it is all covered in this episode as well as answering listener questions.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Set for Life Insurance. Set for Life Insurance was founded by President, Jamie K. Fleischner, CLU, ChFC, LUTCF in 1993 which she started while attending Washington University in St. Louis. They specialize in individual term life, disability and long term care insurance. They work on the client’s behalf to shop around to find the most suitable products at the most cost effective rate. Set for Life is first and foremost a client-centric company. They listen carefully to the needs of clients and shop around to find the best products available at the best rate. Because of the volume and exceptional reputation of Set for Life Insurance as well as the relationships they have developed over the years, Set for Life clients have access to special services not available elsewhere in the industry. This includes special discounts, gender neutral policies (saving women significantly), priority underwriting handling and on some occasions exceptions in the underwriting process. For more information, visit www.setforlifeinsurance.com.
This episode is an interview with Coach Carson who provides practical and approachable education and empowerment concerning investing in real estate. He wants to help listeners win financially so that you can do what matters in your life.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Splash Financial, a leader in student loan refinancing for doctors. Consolidate and refinance your federal and private student loans to save money and simplify your life. No application or origination fees and no prepayment penalties. Splash has new rates as low as 3.5% fixed APR which can save doctors tens of thousands of dollars over the life of their loans. Plus, WCI readers receive a $500 welcome bonus for refinancing with Splash. You can even use their loan assessment tool to compare government repayment options against refinancing. Visit whitecoatinvestor.com/splashfinancial to learn more and to check your rate in minutes.
Do you take inflation into consideration when you create your "retirement day financial goal"? This and more listener questions about military medicine, paying AUM fees, buying health insurance, and student loan management are addressed in this episode.
If you found this podcast useful, visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by Adam Grossman of Mayport Wealth Management. Adam is a Boston-based advisor and works with physicians across the country. Unlike most other advisors, Adam offers straightforward flat fees for both standalone financial planning and investment management. Whatever stage you're at in your career, Adam can help you get organized with a personalized financial plan and can help you implement it with a low-cost index fund portfolio. Adam is a Chartered Financial Analyst and received his MBA from MIT, but more importantly, you'll benefit from Adam's own personal experience with many of the same financial obstacles and opportunities that face physicians. To learn more, visit Adam's website mayport.com/whitecoat to download a free e-book especially for physicians.
Dr. Dahle shares some hate mail he received as well as a disclosure about what he is licensed to do. More importantly, he answers many listeners questions about student loans, delaying tax filing, annuities, and how much disability insurance you need.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is brought to you by 37th Parallel Properties. As you know, I'm primarily an index mutual fund guy. But there's a strong body of evidence supporting alternative investments - especially commercial multifamily investments. They can provide non-correlated equity growth and tax-advantaged income. Full disclosure, I've just started investing with 37th Parallel. But, several members of White Coat Investor have invested with them and all seem to be happy with their results and reporting. With over $300M in profitable multifamily transactions, they've made the Inc. 5000 list of fastest growing companies the past two years and are on pace to do it again this year. One thing I really like is that 37th Parallel educates their investors. You can learn more about them and get a very informative introduction to how commercial multifamily investing works via their special report Evidence Based Investing. Check out 37parallel.com/ebi
Dr. Dahle and Vagabond MD, an active participant in the WCI forum, providing many readers with needed financial information, discuss what he teaches new doctors about personal finance and investing, what mistakes he sees his peers making, and whether he thinks becoming a doctor is still worth it or at what level of debt should they change their minds, if any.
If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/
This episode is sponsored by our friends at Zoe Financial. Finding a reputable financial advisor can be difficult. And even more difficult, is finding an advisor you personally connect with, that also specializes in the areas where you need help like taxes, diversifying investments, or just budgeting. That’s where Zoefin.com comes in. They have developed an algorithm that matches you with with an advisor based on your unique life stage & goals. All of the advisors in Zoe’s network are independent, accredited, fee only fiduciaries - amazingly this means that Zoe rejects 95% of the advisors they interview, so you don’t have to waste time with sales people. Visit Zoefin.com/whitecoat to take their quiz and schedule your free call today.