This episode is sponsored by Andrew McFadden, MBA, CFP, at Panoramic Financial Advice. Panoramic is a virtual advisory firm specializing in the needs of physicians, with a focus on Gen X and Gen Y. Panoramic’s services help physicians chart an organized path to all their financial goals, helping them avoid costly mistakes along the way. Built upon years of experience and a deep understanding of the physician lifestyle, Panoramic is rare in that it can provide expert advice on student loans, taxes, passive investments, retirement planning, employee benefits, insurance, and home purchasing. No asset minimums. Free initial consultation. Can meet virtually with all clients, and in person with California residents. Please contact Founder Andrew McFadden at firstname.lastname@example.org or 559-906-0723.