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  "sourcesContent": ["import{jsx as e,jsxs as n}from\"react/jsx-runtime\";import{addPropertyControls as i,ControlType as a,Link as t}from\"framer\";import*as r from\"react\";let s=\"GAtZBvrpg\",o=\"UFA4COw6d\",l=\"n3lLXVTVX\",d=\"Nu0clve6Y\",c=\"THIdYuVyc\",h=\"Vz3sPEVXI\",p=\"zNSJ7hwV1\",u=\"dGuajWSai\",g=\"Qje4m6op6\",m=\"d1EwGQ7W8\",y=\"ZHvC0jIu6\",f=(e,n)=>{if(e&&\"object\"==typeof e)return{...e,alt:n};},w=[{index:0,id:\"SCt8yRfMd\",[s]:\"Disability Insurance 101\",[o]:\"disability-insurance-101\",[l]:\"wUIAFYZDo\",[d]:\"2023-10-24T00:00:00.000Z\",[h]:\"7:00pm ET\",[p]:\"Stephanie Pearson, MD\",[u]:f({src:\"https://framerusercontent.com/images/vQKUdPh9DCbdDj7ZTGpc7mUO7b8.webp\",srcSet:\"https://framerusercontent.com/images/vQKUdPh9DCbdDj7ZTGpc7mUO7b8.webp?scale-down-to=512 512w, https://framerusercontent.com/images/vQKUdPh9DCbdDj7ZTGpc7mUO7b8.webp 1024w\"},\"\"),[g]:\"https://www.youtube.com/watch?v=kZm0BQkqcNk\",[m]:\"Dr. Stephanie Pearson demystifies disability insurance for physicians, covering essentials every medical professional should know.\",[y]:/*#__PURE__*/n(r.Fragment,{children:[/*#__PURE__*/e(\"h3\",{children:\"Disability Insurance 101 - Andwise Community Hour\"}),/*#__PURE__*/e(\"p\",{children:\"Mark your calendars for Tuesday October 24th 7 ET. Our guest speaker is Dr. Stephanie Pearson, MD, FACOG. Dr. Pearson is not only a board-certified OB/GYN but also a disability advocate and insurance expert. Join us for an insightful evening as she shares her expertise and personal journey.\"}),/*#__PURE__*/e(\"h3\",{children:\"Meet Dr. Stephanie Pearson\"}),/*#__PURE__*/e(\"p\",{children:\"Dr. Stephanie Pearson is more than just a medical professional; she's a true advocate for her fellow physicians. Hailing from Bryn Mawr, PA, Dr. Pearson's journey began in Southern New Jersey and led her to Emory University, where she earned her B.S. She later pursued her MD at MCP/Hahnemann (now Drexel University College of Medicine) and completed her residency at Pennsylvania Hospital in Philadelphia.\"}),/*#__PURE__*/e(\"h3\",{children:\"A Life-Changing Experience\"}),/*#__PURE__*/e(\"p\",{children:\"Dr. Pearson's life took an unexpected turn when she suffered a workplace injury that left her disabled during the prime of her medical career. Instead of allowing this setback to define her, she turned it into a mission. Dr. Pearson is dedicated to educating her fellow physicians about the paramount importance of safeguarding their most precious asset\u2014the ability to earn income\u2014and ensuring the security of their families.\"}),/*#__PURE__*/e(\"h3\",{children:\"What to Expect from Dr. Stephanie Pearson\"}),/*#__PURE__*/e(\"p\",{children:\"During our Andwise Community Hour, Dr. Pearson will delve into essential topics, including disability insurance and her personal journey through the pinnacle of her medical career. Her unique perspective and experiences make her an invaluable resource for those seeking guidance in protecting their financial future and their loved ones.\\xa0Additionally, the session will include a live Q&A portion, providing members with the opportunity to ask any questions directly to Dr. Stephanie Pearson.\"})]})},{index:1,id:\"nY0C5_m7Q\",[s]:\"Learn about Retirement Accounts\",[o]:\"learn-about-retirement-accounts\",[l]:\"wUIAFYZDo\",[d]:\"2023-10-05T00:00:00.000Z\",[h]:\"7:00pm ET\",[p]:\"Tanya Frias, CFP\",[u]:f({src:\"https://framerusercontent.com/images/kgo3jcfl2RlPtIa6jj0FCSENg4.webp\",srcSet:\"https://framerusercontent.com/images/kgo3jcfl2RlPtIa6jj0FCSENg4.webp?scale-down-to=512 512w, https://framerusercontent.com/images/kgo3jcfl2RlPtIa6jj0FCSENg4.webp 1024w\"},\"\"),[g]:\"https://www.youtube.com/watch?v=KijMxATXpBI\",[m]:\"Tanya Frias, CFP, guides physicians through retirement accounts, helping you plan a financially secure future.\",[y]:/*#__PURE__*/n(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Retirement accounts are financial instruments designed to help individuals save and invest for their post-working years. Different countries have various types of retirement accounts with specific tax implications, contribution limits, and withdrawal rules. Here are some common types of retirement accounts in the United States:\"}),/*#__PURE__*/e(\"p\",{children:\"1. Traditional Individual Retirement Account (IRA)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Contributions: Often tax-deductible.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Taxes on Withdrawals: Income tax is typically paid upon withdrawal.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Required Minimum Distributions (RMDs): Usually start at age 72.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"2. Roth Individual Retirement Account (Roth IRA)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Contributions: Made with after-tax dollars, no tax deduction.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Taxes on Withdrawals: Qualified withdrawals are tax-free.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- RMDs: Not required during the account holder\u2019s life.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"3. 401(k)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Contributions: Typically made with pre-tax dollars through employer payroll deductions.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Taxes on Withdrawals: Regular income tax upon withdrawal.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- RMDs: Start at age 72, unless still employed and not a 5% owner of the business.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"4. Roth 401(k)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Contributions: Made with after-tax dollars.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Taxes on Withdrawals: Qualified withdrawals are tax-free.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- RMDs: Required, but can be avoided by rolling over to a Roth IRA.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"5. 403(b)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Eligibility: Employees of public schools, non-profits, and certain churches.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Contribution and Withdrawal Rules: Similar to 401(k)s.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"6. 457(b)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Eligibility: Government and certain non-government employees.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Unique Feature: No early withdrawal penalty.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"7. Simple IRA (Savings Incentive Match Plan for Employees)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Eligibility: Small businesses.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Employer Contributions: Mandatory.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Contribution Limits: Lower than 401(k)s and 403(b)s.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"8. SEP IRA (Simplified Employee Pension)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Eligibility: Self-employed, freelancers, and small business owners.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Contribution Limits: Higher than traditional and Roth IRAs.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"9. Solo 401(k) or Individual 401(k)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Eligibility: Self-employed individuals without full-time employees (spouse excluded).\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Contribution Limits: Can be higher due to employer/employee contribution capacity.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"10. Thrift Savings Plan (TSP)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Eligibility: Federal employees and members of the uniformed services.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Features: Similar to a 401(k), but with lower costs.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"11. Pension Plans (Defined Benefit Plans)\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Payment Structure: Predetermined, typically based on earnings and years of service.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Risk: Borne by the employer.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"12. Annuities\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Payment Structure: Can provide a steady income stream during retirement.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"- Types: Variable, fixed, indexed, etc.\"})})]})]})},{index:2,id:\"WNHlYDCsw\",[s]:\"The Financial Journey of One Physician\",[o]:\"the-financial-journey-of-one-physician\",[l]:\"wUIAFYZDo\",[d]:\"2023-09-26T00:00:00.000Z\",[h]:\"7:00pm ET\",[p]:\"Varun Verma, MD\",[u]:f(void 0,\"\"),[g]:\"https://www.youtube.com/watch?v=HXxJp5ZCUd8\",[m]:\"Dr. Varun Verma shares insights from his financial journey, offering actionable strategies for physicians.\",[y]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"We share insights from Dr Verma's career as a hospitalist and the accompanying financial journey. Going from medical student with $165K debt, to residency in a high cost of living area (NYC) and finally to attending physician working across the US as a hospitalist. He will discuss lessons learned and financial mistakes made along the way.\"})})},{index:3,id:\"R788jrGq7\",[s]:\"Working with a Financial Planner\",[o]:\"working-with-a-financial-planner\",[l]:\"wUIAFYZDo\",[d]:\"2023-09-12T00:00:00.000Z\",[h]:\"7:00pm ET\",[p]:\"Tanya Frias, CFP\",[u]:f({src:\"https://framerusercontent.com/images/vt0hGP6cjMH43hfs3iyOYDj9WU.jpeg\",srcSet:\"https://framerusercontent.com/images/vt0hGP6cjMH43hfs3iyOYDj9WU.jpeg?scale-down-to=512 512w, https://framerusercontent.com/images/vt0hGP6cjMH43hfs3iyOYDj9WU.jpeg 800w\"},\"\"),[g]:\"https://www.youtube.com/watch?v=8k3u0F-dosg\",[m]:\"Learn the benefits of working with a financial planner in this webinar with Tanya Frias, CFP, tailored for physicians.\",[y]:/*#__PURE__*/n(r.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"Join us as we discuss what it's like to work with a financial planner, expectations and the different fee structures you may encounter. e.g. Assets under management (AUM) fees (typically between 0.5% and 2%, one time flat fees, hourly fees, and a monthly/quarterly subscription model. \",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"We will also go tips for working with a financial planner:\"]}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Be prepared to provide your planner with detailed information about your financial situation.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Be clear about your goals and expectations.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Ask questions and get clarification on anything you don't understand.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Be open to feedback and suggestions from your planner.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Be patient and persistent. It takes time to build a successful financial plan.\"})})]})]})},{index:4,id:\"XzevtB8Wj\",[s]:\"Creating Your Own Written Financial Plan\",[o]:\"creating-your-own-written-financial-plan\",[l]:\"wUIAFYZDo\",[d]:\"2023-08-29T00:00:00.000Z\",[h]:\"7:00pm ET\",[p]:\"Tanya Frias, CFP\",[u]:f({src:\"https://framerusercontent.com/images/vt0hGP6cjMH43hfs3iyOYDj9WU.jpeg\",srcSet:\"https://framerusercontent.com/images/vt0hGP6cjMH43hfs3iyOYDj9WU.jpeg?scale-down-to=512 512w, https://framerusercontent.com/images/vt0hGP6cjMH43hfs3iyOYDj9WU.jpeg 800w\"},\"\"),[g]:\"https://www.youtube.com/watch?v=NTOrVC4pPnY\",[m]:\"Tanya Frias, CFP, teaches how to craft a personalized financial plan, focusing on the unique needs of medical professionals.\",[y]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Join us for an empowering session aimed at helping our members create their own written financial plan amidst their demanding professional commitments. If you haven't written down your 'why,' created goals or charted out your financial journey - you won't know where you're going or know when you've arrived there (eg. how much is enough).\"})})},{index:5,id:\"DSjOQndvb\",[s]:\"Student Loan Repayment in 2023\",[o]:\"student-loan-repayment-in-2023\",[l]:\"wUIAFYZDo\",[d]:\"2023-07-06T00:00:00.000Z\",[h]:\"7:00pm ET\",[p]:\"Lauryn Williams, CFP, CSLP\",[u]:f(void 0,\"\"),[g]:\"https://www.youtube.com/watch?v=9EPk7rRDCpE\",[m]:\"Lauryn Williams, CFP, CSLP, offers up-to-date strategies on student loan repayment, crucial for physicians in 2023.\",[y]:/*#__PURE__*/n(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"On July 6, 2023, Andwise was delighted to host a vital webinar featuring Lauryn Williams, a certified financial planner (CFP\\xae), and a student loan advisor. This in-depth conversation aimed at demystifying the complex world of student loan repayment in 2023. This blog post delves into the key takeaways from this engaging session.\"}),/*#__PURE__*/e(\"p\",{children:\"Lauryn Williams, a distinguished four-time Olympian and three-time Olympic medalist, has taken her winning strategies from the sports field to the realm of financial planning. As an advisor at Student Loan Planner, Lauryn specializes in assisting people to confidently navigate their student loan repayment journey. Besides her role at Student Loan Planner, Lauryn owns a financial firm, Worth Winning, and hosts the Worth Listening podcast. These platforms further reinforce her commitment to empowering individuals to make informed financial decisions.\"}),/*#__PURE__*/e(\"p\",{children:\"Her knowledge and insight have earned her a spot on the CNBC Advisory Council and a place among Investopedia\u2019s 100 Top Financial Advisors of 2020. Lauryn's expertise is sought after on various platforms, such as Journey to Launch, Paychecks & Balances, Financial Grownup, and more.\"}),/*#__PURE__*/e(\"p\",{children:\"In the webinar, Lauryn covered a range of topics, ensuring that attendees received comprehensive guidance on handling student loans. Here are some of the major insights from Lauryn's presentation:\"}),/*#__PURE__*/e(\"p\",{children:\"1. Understanding the Student Loan Landscape in 2023: Lauryn discussed how changes in federal policies and the broader economic environment affect the student loan landscape. She offered insights into the state of loan forgiveness programs and interest rate changes, helping attendees understand how these factors could impact their repayment strategies.\"}),/*#__PURE__*/e(\"p\",{children:\"2. Student Loan Repayment Strategies: Lauryn provided an overview of different repayment strategies and how they fit different life and financial circumstances. She emphasized the importance of having a customized strategy based on one's income, lifestyle, and long-term goals.\"}),/*#__PURE__*/e(\"p\",{children:\"3. Managing Student Loans During Financial Uncertainty: Lauryn shared practical advice on managing student loans during periods of financial uncertainty. She provided tips on budgeting, emergency funds, and staying updated with changes in student loan policies.\"}),/*#__PURE__*/e(\"p\",{children:\"4. Mental Health and Financial Stress: Lauryn touched on the emotional aspect of dealing with debt, stressing the importance of mental health. She discussed how financial stress can impact mental health and offered suggestions for managing this stress effectively.\"}),/*#__PURE__*/e(\"p\",{children:\"The webinar was a treasure trove of valuable information for anyone struggling with student loans, offering direction and clear strategies for managing student debt. Lauryn's in-depth knowledge and practical advice made it an enlightening session, bringing hope and clarity to those grappling with student loans.\"})]})},{index:6,id:\"x1hQkFBCq\",[s]:\"Protect Your Investments and Build an Investment Strategy\",[o]:\"protect-your-investments-and-build-an-investment-strategy\",[l]:\"wUIAFYZDo\",[d]:\"2023-05-18T00:00:00.000Z\",[h]:\"8:00pm ET\",[p]:\"David Rosenstrock, CFP\",[u]:f({src:\"https://framerusercontent.com/images/hMrTq7hOXgkLncUxYFF4hMgqWE.webp\",srcSet:\"https://framerusercontent.com/images/hMrTq7hOXgkLncUxYFF4hMgqWE.webp?scale-down-to=512 512w, https://framerusercontent.com/images/hMrTq7hOXgkLncUxYFF4hMgqWE.webp 1024w\"},\"\"),[g]:\"https://www.youtube.com/watch?v=XeC52yrYmss\",[m]:\"David Rosenstrock, CFP, explores investment protection and strategy building, essential for physician investors.\",[y]:/*#__PURE__*/n(r.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/n(\"strong\",{children:[\"Protect Your Investments and Build an Investment Strategy for Volatile Market Conditions\\xa0\",/*#__PURE__*/e(\"br\",{})]}),\"presented by\\xa0\",/*#__PURE__*/e(t,{href:\"https://www.linkedin.com/in/david-rosenstrock/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"David Rosenstrock, CFP\"})}),\"\\xae from\\xa0Wharton Wealth Planning\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"strong\",{children:\"Brief Description:\\xa0\"}),\"Investment Planning and Risk Management Strategies for Peace of Mind. Today\u2019s economic conditions make it particularly important to safeguard your future.\"]}),/*#__PURE__*/e(\"p\",{children:\"Review some of our favorite strategies for:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Investment Planning\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Retirement Planning (including new retirement legislation)\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Risk Management\"})})]}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(t,{href:\"https://www.linkedin.com/in/david-rosenstrock/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"strong\",{children:\"David Rosenstrock, CFP\"})})}),/*#__PURE__*/e(\"strong\",{children:\"\\xae\"}),\"\\xa0is a Certified Financial Planner and the Director and Founder of Wharton Wealth Planning. He earned an MBA from the Wharton School of Business and a B.S. in economics from Cornell University.\"]}),/*#__PURE__*/e(\"p\",{children:\"Wharton Wealth Planning provides independent financial-planning and investment management services to individuals, families and small businesses. Our philosophy is that independent, fee-only advice yields the best financial solutions. Our goal is to provide conflict-free services and place our clients' needs first. As a fiduciary, we are independent, objective, and commission-free.\"}),/*#__PURE__*/e(\"p\",{children:\"Advisory services include: investment portfolio planning, tax planning, retirement planning (distributions and conversions), estate planning, cash flow planning, education planning, charitable giving, employee stock options, and insurance needs analysis.\"}),/*#__PURE__*/e(\"p\",{children:\"David has over 25 years of experience in professional finance and started his career as an analyst at Goldman Sachs.\\xa0 As an independent wealth advisor, David\u2019s firm can choose from any product that is available based on what they believe is best for clients.\\xa0\"}),/*#__PURE__*/n(\"p\",{children:[\"David has contributed to articles on investing and financial planning for Forbes, Yahoo Finance, Fortune Magazine, MarketWatch, MSN, ETF Trends, Morningstar, Physician on Fire, GO Banking Rates, New York State Academy of General Dentistry, and Business Insider and was a guest on several podcasts (website at\\xa0\",/*#__PURE__*/e(t,{href:\"http://www.whartonwealthplanning.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"www.whartonwealthplanning.com\"})}),\"\\xa0for media articles). He has also served as an experienced volunteer at many nonprofit organizations in his community including the Police Athletic League and a local food delivery service for the homebound. David lives in New York, with his wife and their two very active children.\"]})]})},{index:7,id:\"e9qxfajVa\",[s]:\"Understanding Disability Insurance for Physicians\",[o]:\"understanding-disability-insurance-for-physicians\",[l]:\"wUIAFYZDo\",[d]:\"2023-03-20T00:00:00.000Z\",[h]:\"7:00pm ET\",[p]:\"Stephanie Pearson, MD\",[u]:f({src:\"https://framerusercontent.com/images/PGCwYqpkioAxLQQ9Q3wdpOIk1E.webp\",srcSet:\"https://framerusercontent.com/images/PGCwYqpkioAxLQQ9Q3wdpOIk1E.webp?scale-down-to=512 512w, https://framerusercontent.com/images/PGCwYqpkioAxLQQ9Q3wdpOIk1E.webp 1024w\"},\"\"),[g]:\"https://www.youtube.com/watch?v=31Py0mLgkAE\",[m]:\"Gain a deeper understanding of disability insurance with Dr. Stephanie Pearson, focusing on its importance for physicians.\",[y]:/*#__PURE__*/n(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:'\"I used to say the old adage, I would give my left arm to be home with my boys more.\\xa0Turns out, I gave my left arm to be home with my boys more, and after six weeks, I was ready to kill everybody...\" - Dr. Stephanie Pearson'}),/*#__PURE__*/n(\"p\",{children:['On March 20th, Dr. Stephanie Pearson, MD, FACOG, an Obstetrics and Gynecology physician and CEO of PearsonRavitz, hosted a webinar on \"',/*#__PURE__*/e(\"em\",{children:\"Understanding Disability Insurance for Physicians\"}),'\" The event provided valuable insight into the importance of disability insurance for medical professionals, how to choose the right coverage, and the constantly changing landscape of disability insurance.']}),/*#__PURE__*/e(\"p\",{children:\"Here are some of the challenges that were discussed:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\" The potential financial impact of not having disability insurance can be devastating, especially considering the high rates of disability among physicians and the significant investment in their education and training.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\" Many physicians are not adequately prepared for the possibility of becoming disabled and may not fully understand the importance of disability insurance until it's too late.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\" The complexity of the disability insurance industry and the various factors to consider when choosing a policy can be overwhelming for many physicians, making it crucial to seek expert advice and stay informed about industry changes.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\" The cost of disability insurance may seem daunting at first, but it's essential to weigh the long-term benefits and savings against the initial expense.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Expert Insights from Dr. Stephanie Pearson\"}),/*#__PURE__*/e(\"h3\",{children:\"Weighing the Costs and Benefits\"}),/*#__PURE__*/n(\"p\",{children:[\"Disability insurance may seem expensive, but it's important to consider the long-term benefits and savings it can provide. Discounts are often available for residents and fellows, which can result in significant savings over the life of the policy.\\xa0Many physicians are unaware of the risks they face and the importance of having disability insurance. Dr. Pearson emphasizes that disability insurance is essential to protect your income and livelihood in the event of an unexpected illness or injury that prevents you from practicing medicine. She emphasizes the importance of purchasing disability insurance as early as possible, \",/*#__PURE__*/e(\"strong\",{children:\"ideally right after matching\"}),\", to secure the best rates and coverage.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Health Factors and Coverage Limitations\"}),/*#__PURE__*/e(\"p\",{children:\"When applying for disability insurance, carriers will take into account factors such as weight loss surgery, weight gain or loss in the past 12 months, and other health issues. It's important to work with a knowledgeable broker who understands the intricacies of the application process and can help set realistic expectations.\"}),/*#__PURE__*/e(\"p\",{children:\"\\\"BMI is kind of my current 'big fight.' It's one of the few things that changes the cost of a policy.\\\" - Dr. Stephanie Pearson\"}),/*#__PURE__*/e(\"h3\",{children:\"The Ideal Time to Apply for Disability Insurance\"}),/*#__PURE__*/e(\"p\",{children:\"Dr. Pearson advises that the best time to apply for disability insurance is right after matching and before starting your internship. The younger and healthier you are, the better off you are in securing coverage. However, if you don't apply during this time, it's still crucial to do so before finishing your training.\"}),/*#__PURE__*/e(\"p\",{children:'\"The magic time is actually right after match day and before you start your internship.\" - Dr. Stephanie Pearson'}),/*#__PURE__*/e(\"h3\",{children:\"Key Points to Consider When Choosing Disability Insurance\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[\" Look for policies that are tailored to \",/*#__PURE__*/e(\"strong\",{children:\"your specific medical specialty\"}),\", as they will provide the most comprehensive coverage. \"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\" Be aware of any pre-existing conditions, as they can affect your eligibility and coverage options. \"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[' Understand the difference between \"',/*#__PURE__*/e(\"strong\",{children:\"own occupation\"}),'\" and \"any occupation\" policies. \"Own occupation\" policies provide coverage if you\\'re unable to perform the specific duties of your medical specialty, while \"any occupation\" policies only provide coverage if you\\'re unable to work in any profession. ']})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[\" Review the policy's \",/*#__PURE__*/e(\"strong\",{children:\"elimination period\"}),\", which is the waiting period before benefits begin. A shorter elimination period may have higher premiums, but it can be beneficial in the long run. \"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[\" Ensure that the policy has a \",/*#__PURE__*/e(\"strong\",{children:\"non-cancelable\"}),\" and \",/*#__PURE__*/e(\"strong\",{children:\"guaranteed renewable\"}),\" clause. This ensures that your premiums cannot be increased, and the policy cannot be canceled as long as you continue to pay the premiums.\"]})})]}),/*#__PURE__*/e(\"h3\",{children:\"Staying Informed and Adapting to Industry Changes\"}),/*#__PURE__*/e(\"p\",{children:\"Dr. Pearson acknowledges that the disability insurance industry is constantly changing and evolving. As a result, it's essential for physicians to stay informed about these changes and adapt their coverage accordingly.\"}),/*#__PURE__*/e(\"p\",{children:\"\\\"This industry changes all the time. And what is on the slides right now may not be the same a year from now. So I'll keep in touch with you guys. And as we see things change, I'll make sure that you guys know.\\\" - Dr. Stephanie Pearson\"}),/*#__PURE__*/e(\"h2\",{children:\"Conclusion: Protecting Your Future as a Physician\"}),/*#__PURE__*/e(\"p\",{children:\"Disability insurance is a critical investment for physicians, as it safeguards their income and livelihood in case of unexpected illness or injury. By understanding the key factors to consider when choosing a policy, staying informed about industry changes, and seeking expert advice, physicians can ensure they are well-protected and prepared for any unforeseen circumstances.\"}),/*#__PURE__*/e(\"h3\",{children:\"Actionable Advice from Dr. Stephanie Pearson\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\" Start the process of applying for disability insurance as early as possible, ideally right after matching and before starting your internship.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\" Work with a knowledgeable broker who understands the intricacies of the application process and can help set realistic expectations.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\" Stay informed about industry changes and adapt your coverage accordingly.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\" Consider the long-term benefits and savings of disability insurance, rather than focusing solely on the upfront costs.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:' Always review and understand the specific terms of your policy, including the elimination period, \"own occupation\" vs. \"any occupation\" policies, and non-cancelable and guaranteed renewable clauses.'})})]}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:\"Please note that Andwise does not have any business relationship with \"}),/*#__PURE__*/e(t,{href:\"https://pearsonravitz.com/about/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"em\",{children:\"Pearson Ravitz\"})})}),/*#__PURE__*/e(\"em\",{children:\"; we are providing educational content solely for the benefit of our physician membership.\"})]})]})}];for(let e of w)Object.freeze(e);i(w,{GAtZBvrpg:{defaultValue:\"\",title:\"Title\",type:a.String},UFA4COw6d:{title:\"Slug\",type:a.String},n3lLXVTVX:{defaultValue:\"wUIAFYZDo\",options:[\"wUIAFYZDo\",\"ZSFmn9Jz_\"],optionTitles:[\"Webinar\",\"Workshop\"],title:\"Type\",type:a.Enum},Nu0clve6Y:{title:\"Date\",type:a.Date},THIdYuVyc:{title:\"Recording\",type:a.Link},Vz3sPEVXI:{defaultValue:\"\",maxLength:15,placeholder:\"7:00pm ET\",title:\"Start Time\",type:a.String},zNSJ7hwV1:{defaultValue:\"\",title:\"Guest\",type:a.String},dGuajWSai:{title:\"Image\",type:a.ResponsiveImage},Qje4m6op6:{defaultValue:\"\",title:\"YoutubeURL\",type:a.String},d1EwGQ7W8:{defaultValue:\"\",maxLength:160,title:\"Meta Description\",type:a.String},ZHvC0jIu6:{defaultValue:\"\",title:\"Content\",type:a.RichText}}),w.displayName=\"Events\";export default w;export const n3lLXVTVXToDisplayName=(e,n)=>{switch(null==n||n.fallback,e){case\"wUIAFYZDo\":return\"Webinar\";case\"ZSFmn9Jz_\":return\"Workshop\";default:return\"\";}};export const enumToDisplayNameFunctions={n3lLXVTVX:n3lLXVTVXToDisplayName};export const utils={async getSlugByRecordId(e,n){var i;return null===(i=w.find(n=>n.id===e))||void 0===i?void 0:i[o];},async getRecordIdBySlug(e,n){var i;return null===(i=w.find(n=>n[o]===e))||void 0===i?void 0:i.id;}};\nexport const __FramerMetadata__ = {\"exports\":{\"n3lLXVTVXToDisplayName\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"default\":{\"type\":\"data\",\"name\":\"data\",\"annotations\":{\"framerContractVersion\":\"1\",\"framerSlug\":\"UFA4COw6d\",\"framerRecordIncludedLocalesKey\":\"includedLocales\",\"framerCollectionId\":\"PQRppf7Zc\",\"framerRecordIndexKey\":\"index\",\"framerEnumToDisplayNameUtils\":\"2\",\"framerRecordIdKey\":\"id\",\"framerData\":\"\",\"framerCollectionUtils\":\"1\"}},\"utils\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"enumToDisplayNameFunctions\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"__FramerMetadata__\":{\"type\":\"variable\"}}}"],
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