PODCAST · business
Financial Clarity for Doctors
by Finity Group
Corey Janoff and Rachelle Vanderzanden of Finity Group discuss pertinent financial planning topics affecting doctors and other medical professionals.
Episodes
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End of Life Care Costs
As we try to prepare ourselves for retirement, we have to use many assumptions about expenses, inflation, and investment returns. In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff explore one of the least predictable planning variables – end of life...
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Financial Milestones Worth Celebrating
When it comes to finances, we all frequently focus on what we need to do and how best to improve our financial circumstances (and our families’). In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss financial milestones where you can sit back and...
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Buy vs. Lease a Car
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden discuss the pros and cons of buying versus leasing a car. You make think the answer is clear, but just like with everything in financial planning, it depends! Considerations discussed in this episode...
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Hidden Expenses
In this episode, hosts Corey Janoff and Rachelle Vanderzanden walk through the hidden expenses that can derail your financial plan. While meticulous budgeting is not necessary for most high-income individuals, it can be helpful to “expect the unexpected”. Hidden or Unexpected Expenses Can…
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529 vs Trump Accts vs UTMA vs Other
With the rollout of additional long-term savings vehicles for kids, the hosts of Financial Clarity for Doctors wanted to unpack a few of the different options out there! In this episode, hosts Corey Janoff and Rachelle Vanderzanden unpack the purpose and pros and cons of different vehicles…
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Summer Planning Checklist
It’s summer! Time for fun in the sun and extra time with friends and family, which can have an impact on the finances! In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden walk through a few things that can be helpful during a mid-year financial planning...
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The Trick is Not Minding That it Hurts
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden talk through some scenarios where it is helpful to have thick skin! With finances (and especially investing), it won’t always be fun. Investing Challenges and Suggestions: · Investment accounts will…
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You Won the Lottery...Now What?
Sometimes it’s fun to daydream a bit! In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff unpack the potential uses of those unexpected windfalls. The lottery is a great example, although a long shot – especially if you don’t play! Selling a business or...
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It's Not Just About Tax Minimization
In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff discuss some benefits of tax minimization for high income earners, but also the need to look beyond and keep things simple sometimes. When you are constantly chasing tax savings, you can end up using…
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The Stock Market Will Not Do What You Expect
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden talk through some stock market noise. It’s hard to know when to listen to headlines and what information to heed. What we listen to as investors and what the movers and shakers listen to may be very...
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Don't Even Try to Keep Up with the Doctors on TV
In so many ways, television and movies can be unrealistic. Some things fly under the radar most of the time! In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff walk through some examples of shows with characters living inflated lives. Does it make sense...
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The Economy: Data vs Sentiment
Human behavior and feeling is not always driven by numbers and data. This is especially true when we think about consumer sentiment compared to the economy we review in numbers and charts. In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden discuss…
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The Challenges of Early Retirement
For a lot of people, the answer to when they would like to retire is “as soon as possible!” For those folks, a lot of resources often need to go toward that goal, because it is challenging! In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden discuss some...
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Teaching Kids to Save
April is Financial Literacy month, and in this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden talk about some basics of teaching kids to save and manage money responsibly. Getting kids to the point where they are financially independent is a huge milestone,...
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Mutual Funds vs ETFs vs Other Investments
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden are joined by Zach Kill, CFA® to walk through some of the basics of mutual funds and exchange traded funds (ETFs). They are very similar! But there are a few differences and pros/cons to both....
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Realistic Return Expectations
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden walk through some realistic expectations for investment returns. The biggest thing is to expect a bumpy ride! Then it is harder to be caught off guard. In this episode we discuss: Historical returns of...
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Taxes are the Worst
It’s tax season! In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden dive into the horror and torture of filing your annual tax returns. We may not be accountants, but we can certainly commiserate. In this episode we discuss: Some basics of taxation,...
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Investing During Scary Markets
Sometimes the world feels scarier than average. In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden, walk through some questions and discussions that have come up with clients who seem to be bracing for something scary to happen that will affect their...
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Dollar Cost Averaging vs Investing ASAP
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden, discuss one of the strategies used by many investors, dollar cost averaging. What is it? How does it work? Is it really better than investing lump sums of money? They may not be able to answer that…
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Life is a Competition
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden, discuss some of our impulses to measure our financial success by comparing it to others. How do we avoid this trap? Or do we really need to avoid it? Humans are competitive by nature (or is it…
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SAVE Plan is Dead
Financial Clarity for Doctors tackles some student loan updates with hosts Rachelle Vanderzanden and Corey Janoff. On December 10th, the Department of Education proposed a settlement in the case challenging the SAVE plan and agreeing to dismantle the payment plan (pending court approval, so maybe...
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Year in Review & 2026 Predictions
In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff do their annual crystal ball check and venture some guesses for 2026. Tune in to hear more Corey and Rachelle’s 2026 predictions on: Student loans and schooling The housing market The economy Interest...
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Revisit and Revise Your Financial Plan
As we approach another new year, we take a moment to reflect on our financial plans and make adjustments as needed. In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff walk through all of the things you should be revisiting. Even if you’ve made a plan,...
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Are We in an AI Bubble
The stock market is a wild and unpredictable place sometimes! In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff chat through stock market “bubbles” and whether or not we might be in one right now. This episode covers: The basics of a “bubble”. An...
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Revisiting Disability Insurance
Let’s do a quick review of disability insurance! In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff dive into the details of long-term disability insurance. This coverage is very important for anyone who is still reliant on their income. Discussion…
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When Property Values Decline
In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss some potential complications of declining property values. Don’t panic! This may not even apply to you, but it’s good information to understand. If your home is worth less than you expect: If…
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Inflation
Let’s go back to macroeconomics class! In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss the basics of inflation. Why do prices continue increasing? We’d rather pay 25 cents for milk too! Unfortunately, capitalism and supply and demand make…
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Fairytale Life Goals
Financial Clarity for Doctors spends a lot of time talking about how to balance your financial priorities and achieve your goals with the resources you have. In this episode, hosts Corey Janoff and Rachelle Vanderzanden take some time to delve into those life goals. We often ask clients, “What’s...
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AI Financial Advice
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden dive into the world of financial advice driven by Artificial Intelligence. Computers are becoming more and more sophisticated and nuanced in their ability to answer questions and provide advice and...
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How Assumptions Affect Our Financial Plans
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden unpack many of the assumptions that are built into financial planning. This is necessary when you can’t predict the future, but how conservative or aggressive your assumptions are can greatly impact…
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Selling to Private Equity
In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden walk through some details of selling different types of medical practices to private equity. This trend is growing and could potentially affect you whether you are employed by a large hospital system or...
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Impacts of OBBBA on Giving, Taxes, etc.
This episode of Financial Clarity for Doctors delves into some updates to charitable giving under the new One Big Beautiful Bill as well as some other items in the bill that may affect listeners. Hosts Corey Janoff and Rachelle Vanderzanden walk through some highlights. Keep in mind that federal...
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Tax-Efficient Charitable Giving
For those of you that are interested in giving, let’s try to do so as tax efficiently as possible! In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff walk through a few ways you can give money to the causes that are near and dear to your heart and pay a…
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Busting Financial Planning Myths
There is a lot of “common knowledge” in life that may or may not be right for you. In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff debunk some financial planning myths that simply don’t hold true for most people any longer. As always, you should take the...
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Do You Need Alternatives in Your Portfolio?
Some investments are flashier or more exciting than others. But do you really need flashy and exciting to meet your financial goals? In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden and Corey Janoff talk about alternative investment strategies and...
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The Goalpost Keeps Moving
In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss how our expectations adjust over time. If we continue to want more and more, how will we ever be satisfied with what we already have? Discussions in this episode include: Nostalgia about the…
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Is PSLF Still Worth It?
Public Service Loan Forgiveness is a hot topic for many medical professionals still trying to work their way out of school debt. In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff walk through the current state of the program and whether or not it’s still…
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How to Value Your Time
In this episode of Financial Clarity for Doctors Finity Group financial advisors, Corey Janoff and Rachelle Vanderzanden, discuss a few ways you can work through how to value your own time. Valuing your time: Why does it matter? This can help you decide all sorts of things! Such as…. How much to...
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Job Stability In Today's Climate
Headlines, federal government funding issues, and stock market volatility can lead people to question how secure their own place is in the economy. How will this impact my job and my income? In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff, walk through a…
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Am I On Track
One of the questions our advisors get most frequently from clients is, “Am I on track?” In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden, walk through a few ways to evaluate progress toward your goals. Steps to assess your progress: First, decide on what…
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What's a Pension and Do Doctors Get One?
In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden, discuss some of the basics of pensions. How do you get one, what are the benefits, and exactly how do these things work? Some pension basics covered in this episode include: What type of employers off these...
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Common Questions We Get
In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden walk through some of the most common questions they hear from clients. Everything from ‘why is the sky blue?’ to ‘how do you capture a swarm of honeybees?’ Just kidding! They’re all questions about money.…
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Career Transitions
Most folks, including doctors, do not end up staying in their first jobs long-term. In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden talk over some of the financial implications of career transitions. These implications include: Changes in income amounts…
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The Beginning of Another Trump Presidency
In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff walk through some of the attention-grabbing headlines during the first few weeks of President Trump’s second term. Most people have at least some reaction to everything we see, but how might this affect...
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Planning for Pet Expenses
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...
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What it Means to Be a Fiduciary
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…
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Year in Review & 2025 Predictions
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...
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New Retirement Savings Rules
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...
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Should You Do That Home Renovation?
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...
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Should You Pay Off Your Mortgage Faster
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...
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