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Wesley Sebacher, CFP® Student loan forgiveness for physicians is a critical topic, especially with the high levels of student debt that medical school graduates often carry. Fortunately, there are various forgiveness and repayment program options…
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Wesley Sebacher, CFP® Many individuals and families are enrolled in a High-Deductible Health Plan (HDHP). These plans offer a unique feature called a Health Savings Account (HSA), which allows a person to set aside money…
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Wesley Sebacher, CFP® Completing residency is a significant milestone for physicians. After years of hard work and dedication, you’re finally ready to embark on your medical career. However, as you transition from a resident to…
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Michael Torney, CFP, J.D., LL.M. Medical doctors, especially those starting out, can face unique financial challenges. They’ve often spent years studying for exams and working long hours in residency while watching their former college classmates and…
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Michael Torney, CFP, J.D., LL.M. Medical doctors working in a private practice may one day get the opportunity to become an owner of the business. When this offer is made, a physician needs answers to several…
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Michael Torney, CFP, J.D., LL.M. Physicians encounter a variety of financial planning opportunities inherently unique to their profession. One of those is the large increase in income that occurs after residency. Physicians typically go from making…
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Michael Torney, CFP, J.D., LL.M. Stock appreciation rights (SARs) are a type of equity compensation award. They give an executive the right to compensation based on the difference between the company’s stock price on a certain…
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Michael Torney, CFP, J.D., LL.M. Executives who have worked for one company during much of their career can accumulate a significant amount of company stock in their 401(k)-retirement plan. Executives in this situation who are near…
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Wesley Sebacher, CFP® Equity compensation comes in many forms, whether it is restricted stock grants, incentive stock options, stock appreciation rights, etc. Incorporated in the compensation are specific terms as to how each form of equity…
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Wesley Sebacher, CFP® For many professionals, compensation becomes increasingly more sophisticated. And without the proper planning, it’s easy for anyone to misunderstand the tax implications and what actions to take with their equity compensation. It is…
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Michael Torney, CFP, J.D., LL.M. Key executives at privately-owned or public companies may receive shares of stock in their employer. Sometimes the shares of stock are synthetic stock, otherwise known as “phantom stock”. This kind of…
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Do You Have Incentive Stock Options? Incentive Stock Options (ISOs) are the right to buy shares of company stock at a fixed price; this price must not be lower than the actual fair market value…
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Contract Negotiations as a Physician As a physician just starting your practice or switching jobs, you have a lot of financial considerations to consider… Disability Insurance– A Guide for Physicians As physicians finish residency and…
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For Business Owners Looking to Sell, Does an ESOP Make Sense? Business owners considering selling their companies usually have a few options – such as selling to a local competitor, family member(s), a large chain,…
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Michael Torney, CFP, J.D., LL.M. Paying taxes when receiving stock grants instead of waiting for shares to vest could help you save thousands of dollars. Corporate executives often receive restricted stock or stock options as part of their total pay. But it’s possible to…
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Michael Torney, CFP, J.D., LL.M. Most owners work constantly to build their businesses. They are always seeking to find new customers, increase revenues and maximize profits. Yet, many don’t know how much their business is worth.…
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Michael Torney, CFP, J.D., LL.M. Most entrepreneurs have a single focus – working to make their business successful until it is generating steady profits. To achieve that goal, they often invest 100 percent of their annual…
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Michael Torney, CFP, J.D., LL.M. Business owners considering selling their companies usually have a few options – such as selling to a local competitor, family member(s), a large chain, or a private equity firm. But another…
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Michael Torney, CFP, J.D., LL.M. As physicians finish residency and start their life in practice, planning for long-term financial success should become a top priority. For most physicians, this is the point where they command a…
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Michael Torney, CFP, J.D., LL.M. As a physician just starting your practice or switching jobs, you have a lot of financial considerations to consider. One of the most important to-dos is signing a contract with your…
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Michael Torney, CFP, J.D., LL.M. Lawsuits loom as an ever-present fear for physicians. According to the American Medical Association (AMA), more than one-third of physicians report being sued for malpractice. A similar study found that nearly 50% of…
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The Sadler Harmon Chalmers Borglum team has in-depth knowledge in all areas of financial planning. We have gained a great deal of experience through our years in the industry, and have developed a dedicated advisory…
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