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    As a former Dean and appointed University Professor and Endowed Department Chair, Dr. David Edward Marcinko MBA was a NYSE broker and investment banker for a decade who was respected for his unique perspectives, balanced contrarian thinking and measured judgment to influence key decision makers in strategic education, health economics, finance, investing and public policy management.

    Dr. Marcinko is originally from Loyola University MD, Temple University in Philadelphia and the Milton S. Hershey Medical Center in PA; as well as Oglethorpe University and Emory University in Georgia, the Atlanta Hospital & Medical Center; Kellogg-Keller Graduate School of Business and Management in Chicago, and the Aachen City University Hospital, Koln-Germany. He became one of the most innovative global thought leaders in medical business entrepreneurship today by leveraging and adding value with strategies to grow revenues and EBITDA while reducing non-essential expenditures and improving dated operational in-efficiencies.

    Professor David Marcinko was a board certified surgical fellow, hospital medical staff President, public and population health advocate, and Chief Executive & Education Officer with more than 425 published papers; 5,150 op-ed pieces and over 135+ domestic / international presentations to his credit; including the top ten [10] biggest drug, DME and pharmaceutical companies and financial services firms in the nation. He is also a best-selling Amazon author with 30 published academic text books in four languages [National Institute of Health, Library of Congress and Library of Medicine].

    Dr. David E. Marcinko is past Editor-in-Chief of the prestigious “Journal of Health Care Finance”, and a former Certified Financial Planner® who was named “Health Economist of the Year” in 2010. He is a Federal and State court approved expert witness featured in hundreds of peer reviewed medical, business, economics trade journals and publications [AMA, ADA, APMA, AAOS, Physicians Practice, Investment Advisor, Physician’s Money Digest and MD News] etc.

    Later, Dr. Marcinko was a vital and recruited BOD  member of several innovative companies like Physicians Nexus, First Global Financial Advisors and the Physician Services Group Inc; as well as mentor and coach for Deloitte-Touche and other start-up firms in Silicon Valley, CA.

    As a state licensed life, P&C and health insurance agent; and dual SEC registered investment advisor and representative, Marcinko was Founding Dean of the fiduciary and niche focused CERTIFIED MEDICAL PLANNER® chartered professional designation education program; as well as Chief Editor of the three print format HEALTH DICTIONARY SERIES® and online Wiki Project.

    Dr. David E. Marcinko’s professional memberships included: ASHE, AHIMA, ACHE, ACME, ACPE, MGMA, FMMA, FPA and HIMSS. He was a MSFT Beta tester, Google Scholar, “H” Index favorite and one of LinkedIn’s “Top Cited Voices”.

    Marcinko is “ex-officio” and R&D Scholar-on-Sabbatical for iMBA, Inc. who was recently appointed to the MedBlob® [military encrypted medical data warehouse and health information exchange] Advisory Board.

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2014 Healthcare Innovation Conferences

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The List for 2014

By Staff Reporters

On Hospital Price Transparency and Estimating Out-of-Pocket Expenses

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When it comes to health care, determining medical costs can be complicated

[By Dr. David Edward Marcinko MBA CMP™]

Dr David E Marcinko MBAAt Baptist Memorial Health Care, they’re trying to make things a little easier to understand. That’s why they built Expense Navigator, an out-of-pocket medical cost estimator tool. As a doctor, patient and financial advisor, this is vital information.

Expense Navigator is a key step in Baptist’s effort to become a leader in price transparency in U.S. health care. Patients can use the medical cost estimator tool to estimate out-of-pocket costs for hundreds of hospital inpatient or outpatient procedures.

They can also get a customized estimate for care at Baptist Memorial Hospital-Memphis or 13 other affiliated hospitals in West Tennessee, North Mississippi and East Arkansas.

So, whether you have Medicare, other insurance or are uninsured, the Expense Navigator may help you better plan for Baptist medical expenses.

Some of the Procedures Listed

  • MRI
  • CAT Scan (CT)
  • Emergency Visits (ER)
  • Mammogram
  • Orthopedic Procedures
  • X-Ray
  • Ultrasound
  • Childbirth
  • Bone Imaging
  • Cardiac Procedures
  • Appendectomy
  • Chemotherapy
  • Laparoscopy (Scope)
  • Pulmonary Procedures
  • Upper GI
  • Lower GI
  • Spinal Tap
  • Lab Tests
  • Diabetes Treatment

Free, out-of-pocket medical cost estimates are available for the following hospitals in Tennessee, Mississippi and Arkansas

Tennessee

Mississippi

Arkansas

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Why Hospitals Must Look to the Cloud?

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A Key Solution to Meeting the Healthcare Mandates

By http://www.Innotas.com

hospital clouds

Assessment

Healthcare and Insurance Partial Client List:

  • Adventist Health
  • RelayHealth
  • SCAN Health Plan
  • University of Missouri Health System
  • Johns Hopkins Healthcare LLC
  • Maxim Healthcare Services, Inc.
  • Catholic Health System
  • Noven Pharmaceuticals, Inc.
  • Nyack Hospital

Conclusion

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Should Eric Shinseki – and others – Resign?

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Who he Is – Wither the VA Imbroglio

ShinsekiAccording to Wikipedia; Eric Ken Shinseki (/ʃɨnˈsɛki/; born November 28, 1942) is a retired United States Army four-star general who has served since 2009 as the seventh United States Secretary of Veterans Affairs.

His final U.S. Army post was as the 34th Chief of Staff of the Army (1999–2003). He is a veteran of combat in the Vietnam War, where he sustained a foot injury.

Assessment

Veterans Affairs Secretary Eric Shinseki testified on Thursday May 15, 2014 for the first time since a burgeoning scandal broke on allegedly deadly health care delays in the VA system, as he faces calls for his resignation and demands that the VA immediately improve the way it treats America’s vets.

And so we ask in this opinion poll:

Prior ME-P Polls

Members of the ME-P community called for the resignation of former HHS Secretary Kathleen Sebelius.

Link: Should HHS Secretary Kathleen Sebelius be Replaced?

Will our ME-P readers make the correct call; or not?

Conclusion

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Help Select our Next Physician-Focused Financial Planning Textbook Cover

 Certified Medical Planner   

TRANSFORMATIONAL FINANCIAL PLANNING STRATEGIES FOR DOCTORS AND ADVISORS

[Best Practices from Leading Consultants and Certified Medical Planners™]

By Dr. David Edward Marcinko MBA CMP

By Hope Rachel Hetico RN MHA CPHQ, CMP

A Reader Opinion and Voting Poll

David and Hope

Drawing on the expertise of our readers, members and multi-degreed doctors, and multi-certified financial advisors, the text TRANSFORMATIONAL FINANCIAL PLANNING STRATEGIES FOR DOCTORS AND ADVISORS [Best Practices from Leading Consultants and Certified Medical Planners™] will help re-shape the industry landscape for the next-generation of MDs and FAs as the current ecosystem strives to keep pace.

Traditional generic products and sales-driven advice will yield to a new breed of deeply informed financial advisor, or Certified Medical Planner™.  The profession is set to be transformed by “cognitive-disruptors” that will significantly impact the $2.8 trillion healthcare marketplace for those financial consultants serving this challenging sector. There will be winners and losers.

The text which contains 24 chapters, and champions healthcare providers while informing financial advisors, is divided into four sections compete with glossary of terms, CMP™ curriculum content, and related information sources:

  1.  For ALL medical providers and financial industry practitioners
  2. For NEW medical providers and financial industry practitioners
  3. For MID-CAREER medical providers and financial industry practitioners
  4. For MATURE medical providers and financial industry practitioners

The result is a codified “must-have” book, for all health industry participants, and those seeking advice from the growing cadre of financial consultants and Certified Medical Planners™ who seek to “do well – by doing good”, dispensing granular physician-centric financial advice: Omnia pro medicus-clientis.

And so, we now ask our ME-P readers, contributors and subscribers to help us select the cover imprint for this ground-breaking major new textbook. Please select one from the following three options:

OPTION #1

K23315_v1OPTION #2K23315_v2

OPTION #3K23315_v3

 

Deeper Book Info:

For more information on the content, contributors, case models, format and style of this new book, which will advance the re-constructive innovation of the profession; please review this link:

Transformational Financial Planning Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners™

THE VOTING POLL

RAISING THE BAR

The informed voice of a new generation of fiduciary advisors for healthcare

About Certified Medical Planners

Link: Enter the CMPs

Conclusion

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Making Medical [Financial] Advice Memorable?

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Can Physician [Advisor] Body Language Assist Patient [Client] Adherence

[By Dr. David Edward Marcinko MBA CMP™]

DEM at Drexel

Recently, I was at Drexel University which is a private research university in Philadelphia. It was founded in 1891 by Anthony J. Drexel, a noted financier and philanthropist. Drexel offers over 70 full-time undergraduate programs and accelerated degrees. At the graduate level, the university offers over 100 masters, doctoral, and professional programs, many available part-time.

Now, I know DU well because as a student from Temple University back in the day, I visited frequently. It was there that I first learned of the work of H. Ebbinghaus on the nature of emotions and the human memory.

Two [2] Examples

As doctors, we usually want to make a memorable impression on our patients and encourage them to remember our medical advice or instructions.

OR, as financial advisors, we want our clients to follow our informed advice. But how?

One suggestion is to take advantage of the Serial Position Effect.

Definition

The Serial Position Effect is a term coined by German psychologist Hermann Ebbinghaus PhD.

Hermann Ebbinghaus (January 24, 1850 — February 26, 1909)

According to Wikipedia, Dr. Ebbinghaus was a German psychologist who pioneered the experimental study of memory, and is known for his discovery of the forgetting curve and the spacing effect. He was also the first person to describe the learning curve. He was the father of the eminent neo-Kantian philosopher Julius Ebbinghaus.

Through his studies, he found that people have a tendency to remember the first (primacy) and last (recency) things to occur, and scarcely the middle.

The graph below demonstrates the Serial Position Effect in recalling a list of words. However, this psychological effect can be applied to many things – from job interviews to television commercials to physician advice.

***Graph

 ***

So, during your next patient interaction or client-advisor relationship, instruct your target either at the beginning or end of the event; or patient encounter. They are much more likely to remember you, and recall the topic, conversation, medical advice or instructions.

Assessment

If you want to be remembered, don’t be in the middle! And, this will make your next patient interaction; or client meeting, much easier.

Conclusion

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3 Reasons Doctors Are Ditching Insurance And Offering Care For Cash

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Moving away from public healthcare and towards private models

[By Jessica Socheski]

jsWith the new healthcare system in effect, many doctors are moving away from public healthcare and towards private models. Instead of taking insurance, programs like the corporate wellness plans from MDVIP and other direct primary care doctors are choosing to deal in cash only with their patients. And in essence, they are cutting out the expense of a middleman insurance company.

Many doctors have taken it upon themselves to create a model that helps more than it hinders. Here are three reasons why doctors are choosing private healthcare over public.

1. The Patient Comes First

For many people, the new healthcare insurance price has skyrocketed, making it difficult to pay for healthcare let alone use it when needing a doctor. Direct primary care doctors provide their basic or preventative care that their patients can afford without using their insurance and meeting high deductibles.

Doctors who have embraced this model find they are able to offer their patients a variety of services for less money. This offers people the chance to receive quality care without paying an exorbitant amount. Without this model, many people would avoid the doctor all together, which could lead to serious undiscovered health problems.

2. Waiting Game

Since the Affordable Care Act, hospitals, urgent care, and public healthcare offices have noticed an increase in patients, leaving both waiting rooms and doctors inundated with patients. Unfortunately, this leaves doctors and nurses trying to juggle too many patients without enough help to accommodate them. Doctors are overworked and rushed, unable to spend a proper amount of time with a patient.

Consequently, the current healthcare model has pushed many public healthcare doctors towards privatized hair, leaving an even larger doctor deficit and nurse shortage in the public sector. But since these doctors have turned to private healthcare as their new business model, doctors have the time and availability to meet with their patients and build a relationship with them.

Under private healthcare, patients can schedule appointments with their doctors to have a proper visit where both the physician and patient feels they been given an adequate amount of time—the doctor for diagnosing and the patient for quality care.

3. Doctor Freedom

The direct primary healthcare model is not something entirely new. But it is just now growing in popularity as doctors and patients search for relief from a problematic system. Before congress passed legislation in 1973 that led to the expansion of prepaid health plans, the majority of physicians operated in a fee-for-service model.

Under insured health plans, physicians had little flexibility in determining what services they could provide and how to cut costs for their practices. Some insurance companies even dictate the hours during which doctors can be paid.

 Three Reasons Doctors Are Ditching Insurance And Offering Care For Cash

Image Source: http://www.newyorkmedicalservices.com

Assessment

By moving away from insured health, doctors are able to remove the shackles and dictate how they believe their patients should be cared for. Dr. Villarreal, a doctor in Laredo, Texas, states in regards to his direct primary business model, “To me, there’s no other way I would practice medicine. You feel like you’re a doctor again.”

Conclusion

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Racial Disparities in Life Expectancy at Birth

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For the United States

By http://www.MCOL.com

Life Spans

Conclusion

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On the Future of Nursing Practice

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Focus on Scope of Practice

[By Staff Reporters]

Transforming the health care system to meet the demand for safe, quality, and affordable care will require a fundamental rethinking of the roles of many health care professionals, including nurses. The 2010 Affordable Care Act represents the broadest health care overhaul since the 1965 creation of the Medicare and Medicaid programs, but nurses are unable to fully participate in the resulting evolution of the U.S. health care system. This is true for nurses at all levels, whether they practice in schools or community and public health centers or acute care settings. A variety of historical, cultural, regulatory, and policy barriers limit nurses’ ability to contribute to widespread and meaningful change.

In 2008, the Robert Wood Johnson Foundation (RWJF) and the Institute of Medicine (IOM) launched a two-year initiative to respond to the need to assess and transform the nursing profession. The IOM appointed the Committee on the RWJF Initiative on the Future of Nursing, at the IOM, with the purpose of producing a report that would make recommendations for an action-oriented blueprint for the future of nursing.

As part of its report, the committee considered the obstacles all nurses encounter as they take on new roles in the transformation of health care in the United States. While challenges face nurses at all levels, the committee took particular note of the legal barriers in many states that prohibit advance practice registered nurses (APRNs) from practicing to their full education and training. The committee determined that such constraints will have to be lifted in order for nurses to assume the responsibilities they can and should be taking during this time of great need.

***

RN

***

The Changing Health Care System

In the 21st century, the health challenges facing the nation have shifted dramatically. The health care system is in the midst of great change as care providers discover new ways to provide patient-centered care; to deliver more primary care as opposed to specialty care; and to deliver more care in the community rather than the acute care setting. Nurses are well poised to meet these needs by virtue of their numbers, scientific knowledge, and adaptive capacity, and health care organizations would benefit from taking advantage of the contributions nurses can make.

Assessment

As the health care system has expanded over the past 40 years, the education and roles of APRNs, in particular, have evolved in such a way that nurses now enter the workplace qualified to provide more services than had been the case previously. Yet while APRNs are educated and trained to do more, some physicians challenge expanding scopes of practice for nurses. The committee stresses that physicians are highly trained and skilled providers and that some services clearly should be provided by physicians, who have received more extensive and specialized education and training than APRNs. However, given the great need for more affordable health care, nurses should be playing a larger role in the health care system, both in delivering care and in decision making about care.

The committee argues that APRNs are not acting as physician extenders or substitutes. They work throughout the entirety of health care, from health promotion and disease prevention to early diagnosis to prevent or limit disability. APRNs sometimes provide services that many people associate with physicians, such as assessing patient conditions or ordering and evaluating tests, but they also incorporate a range of services from other disciplines, including social work, nutrition, and physical therapy.

Conclusion

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How Your 2013 Federal Tax Dollars Were Spent

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A Spreadsheet Breakdown

By Lon Jefferies MBA CFP

Lon JeffriesClick here for a calculator that shows you how the tax you paid in 2013 was spent.

Simply input the amount you paid in federal income tax in 2013 and you’ll see a breakdown of how your money was utilized.

  1. What would you cut in the budget?
  2. What areas would you spend more, or less, on?

 

Conclusion

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Dysfunction and Accountability in Health Care

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A Pod Cast

Charles Ornstein talks with David Goldhill author of “Catastrophic Care: Why Everything We Think We Know about Health Care Is Wrong” about excess, poor oversight, and how new data may help spur change.

***

anatomy-physiology-student-tutorial-800x800

***

Link: http://www.propublica.org/podcast/item/podcast-dysfunction-and-accountability-in-health-care/?utm_source=et&utm_medium=email&utm_campaign=dailynewsletter

Conclusion

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The Superior Retirement Account – Will that be Traditional or Roth?

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Weighing the Costs

Lon Jeffries[By Lon Jefferies MBA CFP®]

As an informed investor and reader of this ME-P, you’re likely familiar with the difference between a traditional IRA/401(k) and a Roth IRA/401(k).

While the traditional account enables you to postpone taxes on both the income invested and its growth until the funds are withdrawn, a Roth account does not provide an initial tax benefit but investment growth is tax free. So which is better?

Let’s answer the question with some simple math. Suppose an investor in the 25 percent federal tax bracket invests $1,000 of pre-tax income, obtains an 8 percent annual return over the next 10 years, and is still in the 25 percent tax bracket in the future. Would this investor profit more investing in a traditional or a Roth account?

As the chart below illustrates, the investor in this scenario would end up with the exact same amount in either a traditional or a Roth account.

So does the decision to invest in a traditional or Roth retirement account not matter? Not so fast.

Constant Tax Rate
Traditional Roth
Initial Tax Bill (25%) $0 $250
Invested Amount (after-tax) $1,000 $750
Future Investment Value $2,159 $1,619
Future Tax Bill (25%) $540 $0
After-Tax Value in 10 Years $1,619 $1,619

Lower Tax Bracket in Future

Let’s assume our investor will have a reduced income when she retires in 10 years, causing her to be in the 15 percent tax bracket in the future. Perhaps the worker is in her prime earning years and will have less income during retirement. In this scenario, due to the up-front 25 percent tax bill, investing the funds in a Roth would lead to the same after-tax value of $1,619. But investing the funds in a traditional account would allow the full $1,000 to experience growth for 10 years, with a reduced future tax bill of 15 percent, leaving $1,835 of after-tax value in the account. This investor would benefit from delaying taxes into the future when she would be in a lower tax bracket.

Lower Tax Rate in the Future
Traditional Roth
Initial Tax Bill (25%) $0 $250
Invested Amount (after-tax) $1,000 $750
Future Investment Value $2,159 $1,619
Future Tax Bill (15%) $324 $0
After-Tax Value in 10 Years

$1,835

$1,619

Higher Tax Bracket in Future

On the other hand, if the investor was in the 15 percent tax bracket this year but expected to be in the 25 percent bracket during retirement (potentially a young employee expecting his earnings to rise), paying taxes now at 15 percent would allow $850 to be invested, which after 10 years of 8 percent growth would be worth $1,835 tax free.

Higher Tax Rate in the Future
Traditional Roth
Initial Tax Bill (15%) $0 $150
Invested Amount (after-tax) $1,000 $850
Future Investment Value $2,159 $1,835
Future Tax Bill (25%) $540 $0
After-Tax Value in 10 Years $1,619 $1,835

Roth Advantages

What if you expect to pay a comparable tax rate both now and in the future? A Roth account offers several advantages in this scenario.

First, as taxes have already been paid on a Roth account, the government doesn’t require investors to take required minimum distributions (RMDs) from these accounts, whereas RMDs are required from traditional retirement accounts beginning at age 70½. Without RMDs, Roth accounts can grow tax free for the investor’s entire lifespan.

Additionally, upon death, Roth accounts pass to an investor’s heirs without any tax liability, while those who inherit a traditional retirement account must pay taxes on the assets.

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IRA

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Second, money withdrawn from a traditional retirement account before the investor is 59½ may be subject to a 10 percent penalty. Yet contributed funds to a Roth account (but not the growth on the contributed funds) can be withdrawn at any time without penalty. While withdrawing funds before retirement isn’t advisable, the added liquidity of the Roth account can prove useful in emergencies.

Finally, even if your income is expected to remain constant, investing in a Roth account allows you to lock in your taxes at today’s rate as opposed to taking the risk that national tax rates might be raised in the future.

If you’re unsure how your future tax bracket will compare to your current rate, diversify. Nothing prevents you from having both a traditional and a Roth retirement account. This not only allows you to hedge your bets, but puts you in a position during retirement to take distributions from your tax-deferred account in low-income years and from the tax-free account in years when you are in a high tax bracket.

Assessment

http://www.utahbusiness.com/articles/view/weighing_the_costs/?pg=1

Conclusion

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How the ACA Affects Your RXs

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On Four Large Groups of Import

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To give you a jumpstart about how the Affordable Care Act will impact you and your prescription drug coverage we’ve researched the major impacts on four large groups of people who could see the greatest impact.

Review the info-graphic below to learn about the benefits and requirements of the ACA and share it with your friends and family that still have questions about how the ACA will affect them.

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infographic

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Assessment

See more at: http://www.helprx.info/blog/infographics/infographic-how-the-affordable-care-act-impacts-you#sthash.6bk5zU0D.dpuf

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On Elder Safety and Frugality

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Spending Money for Comfort and Safety

By Rick Kahler MS CFP® http://www.KahlerFinancial.com

Rick Kahler CFPWant to increase your independence in retirement? Save money? Live safely in your own home? Then buy a new car. No, this isn’t a scam or a seedy sales pitch. In certain cases, a new car can be a wise use of your retirement dollars.

Introduction

As regular readers of the ME-P know, I’m a big fan of frugality. Spending less than you earn is a crucial strategy for building wealth. Continuing this frugal lifestyle in retirement can also be a good way to be sure of having enough money to last for the rest of your life.

Some retirees, though, take it too far. Under-spending can be a threat to retirement as much as overspending, especially when it affects your comfort and safety.

As more of my retired clients move into their later years, I am becoming increasingly aware of one kind of retirement spending that can actually be considered more of an investment than an expense. This, for elderly people or adult children caring for elderly parents, is spending money to make their homes and activities safer.

Safer Spending

One immediate benefit of this kind of spending is being able to live more comfortably and with less anxiety. A second benefit is financial. Helping elderly parents stay in their homes and live independently for as long as possible can save money in the long term by reducing medical costs and long-term care expenses. It’s especially important to invest in this type of spending if you live too far away from your parents to provide regular help yourself.

Some of the ways to invest relatively small amounts to provide more comfort, safety, and independence for elderly parents are obvious. Or, carpet slick tile or hardwood floors to reduce the risk of falls. Upgrade older appliances to newer ones with safety features like automatic shutoffs or warning signals. Add basic safety aids like stair railings and shower bars. Repair hazards like worn carpets, uneven steps, or broken sidewalks. Provide emergency alert buttons. Install phones in several rooms.

Other Considerations

Some less obvious ways to foster safety and extend independent living might require a bit more spending. Such expenditures can be a good use of retirement income if they extend parents’ ability to live independently. Here are a few possibilities to consider:

1. Buying that new car. Safety features like GPS navigation systems and backup cameras can allow elderly people to hold onto their drivers’ licenses longer without putting themselves or others at risk.

2. Paying for gym memberships or exercise classes. Increasing strength, balance, and flexibility can help prevent falls and possibly even help stave off dementia.

3. Taking care of ears and eyes. Hearing aids and corrective lenses may not be cheap, but good hearing and eyesight can help people drive more safely, avoid falls, and take care of themselves and their homes.

4. Remodeling. Moving the laundry room to the main floor or replacing bathtubs with walk-in showers can make homes safer and more comfortable.

5. Hiring help. Many of us equate in-home help for the elderly with home health care. Certainly, hiring aides to help with cooking, bathing, and other needs as people become frail is an important option. But well before that time, it makes sense to get help with a host of other services that become harder or even dangerous to do as we grow older. Hire a house cleaner. Find someone to do yard work, home maintenance, and heavy cleaning jobs (especially if they involve ladders) like window washing.

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Elder

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Assessment

Spending that creates safety belongs in any retirement budget. It’s a good way to use your financial independence to help maintain your physical and mental independence.

Conclusion

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Risk Management, Liability Insurance, and Asset Protection Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners™8Comprehensive Financial Planning Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners™

Why You Should [Still] Know Your Marginal Tax Rate?

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And … Other Financial Planning Topics of Import

Lon JefferiesBy Lon Jefferies MBA CFP®

In 2014, the federal tax brackets are 10%, 15%, 25%, 28%, 33%, 35%, and 39.6%. For a taxpayer who is married and files jointly, regardless of how much the household makes, the first $18,150 of income after accounting for deductions and exemptions will only be taxed at the 10% rate.

Similarly, any income the household makes that is more than $18,150 but less than $73,800 is taxed at the 15% rate. At that point, the next $75,050 is taxed at 25%, and so on.

Consequently, not all income a household makes during the course of the year is taxed at the same rate. A marginal tax bracket is the tax rate that applies to the last dollar the household made.

It is crucial for all taxpayers to know their marginal tax rate. This information can help a client identify which type of investment accounts fits their situation best, how to structure an investment portfolio, and how to determine the value of certain deductions when filing their tax return.

Roth or Traditional Retirement Accounts

Contributions to traditional retirement accounts like IRAs and 401(k)s allow taxpayers to avoid recognizing income earned during the tax year and push the need to acknowledge the revenue into a future year. This is valuable because many people are in a higher tax bracket during their working years than they are during retirement. For instance, for a person who is currently in the 25% marginal tax bracket, it may be advantageous to delay recognizing the income until the investor retires and has less income, causing him to be in only the 15% marginal tax bracket. Doing this would enable the taxpayer to pay taxes at only 15% as opposed to 25%.

Alternatively, a Roth IRA or Roth 401(k) allows an investor to pay taxes on contributed income during the year it was earned but the money then grows tax-free. Consequently, a Roth retirement account is great for someone who believes they may be in a higher marginal tax bracket in the future. For example, a young employee in the early stages of his career who is in the 15% tax bracket but believes he may be in the 25% or 28% bracket in the future would benefit from paying all taxes on the income at his current rate of 15% and then getting tax-free investment growth. This would prevent the investor from having to pay the higher future tax rate of 25% or 28% on the invested dollars.

Knowing your marginal tax bracket can help you determine if you would favor paying taxes on your invested dollars at your current tax rate or if you believe you may benefit from pushing the need to recognize the income into a future tax year. This is a critical decision when planning for retirement and it can’t accurately be made without knowing your marginal tax rate.

Capital Gains Rate

A long term capital gains tax rate is the rate that applies to the growth of any asset held for longer than a year that is not within a tax-advantaged account. If you buy stock outside a tax-advantaged account, or purchase investment property, any growth in the value of the investment will be taxed as capital gains when sold.

An investor’s capital gains tax rate is determined by the investor’s marginal tax rate. For most taxpayers the long term capital gains tax rate is 15%. However, if a taxpayer is in the 10% or 15% marginal tax bracket, the long term capital gains tax rate is an amazing 0%! Additionally, many taxpayers in either the 35% or 39.6% tax bracket may end up paying capital gains at a rate of 20%.

Clearly, knowing your marginal tax bracket will help you analyze the appeal of making investments outside of tax-advantaged accounts. People who qualify for the 0% capital gains tax should actively search for ways to take advantage of this benefit.

Additionally, knowing your marginal tax rate can help you determine the best time to recognize long-term capital gains. If your marginal tax rate will be 25% in 2014 — leading to a capital gains tax rate of 15% — but you believe your marginal rate will be 15% in 2015 — leading to a capital gains tax rate of 0% — it would save you money and lower your tax bill to defer recognizing long-term capitals gains until next year.

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FP

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Annuities

Annuities are promoted as a way for invested dollars to obtain tax-deferred growth. However, when money is withdrawn from an annuity it is taxed at the investor’s marginal tax rate as opposed to his long term capital gains tax rate. Knowing your marginal tax bracket can help determine whether an annuity adds any value to your portfolio, or whether it could actually be detrimental.

Suppose an investor is in the 15% marginal tax bracket. If this person invests in an annuity, he will avoid paying taxes on any of the investment’s growth until the funds are withdrawn from the annuity. However, at that point the investment’s growth will be taxed at the taxpayer’s marginal income tax bracket of 15%. Alternatively, if this same investor utilized a taxable investment account rather than an annuity, the investment’s growth would be taxed at the investor’s capital gains tax rate of 0% when sold. In this case, investing in an annuity actually created a tax bill for this investor!

Clearly, knowing your marginal tax rate and your resulting capital gains tax rate can help you determine the best type of investment accounts for your personal situation.

Itemized Deductions

The value of your itemized deductions is essentially determined by your marginal tax bracket. For a simplified example, consider a taxpayer who could generate an additional $10,000 of deductions. Doing so would mean the individual would pay taxes on $10,000 of income less than he would without the deduction. If the individual is in the 15% tax bracket, generating the deduction would lower the person’s tax bill by $1,500 dollars ($10,000 x 15%). However, if the individual is in the 25% tax bracket, the same deduction would lower the person’s tax bill by $2,500 ($10,000 x 25%).

Consequently, knowing your marginal tax bracket can help determine when large itemized deductions should be taken. If you would like to donate funds to your favorite charitable institution, knowing which year you will be in the highest marginal tax bracket can help you determine the best time to make the contribution.

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FA

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Marginal Tax Rates Change

Many people’s income is relatively constant year-after-year. For these people, there may not be much fluctuation in their marginal tax bracket. However, any time you have a significant increase or decrease in income recognized during a year, your marginal tax rate may change. Whenever possible, it is best to anticipate how your current marginal tax rate might compare to your future marginal tax rate.This is another strong factor that can impact all the key financial decisions effected by your marginal tax rate.

Conclusion

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Identifying the Most Expensive Medical Therapies

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How to Safely Clean an Auto Engine Bay

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Thoughtfully … with Some Care!

[By Dr. David Edward Marcinko MBA]

Dr David E Marcinko MBA

I’ve been washing the engine bay of my Jaguar XJ-V8-L for the past several years. How did I get started? Isn’t this really bad for my car? Why did / do I bother?

History

I worked with a neighbor who was seriously obsessed with keeping his 1986 Thunderbird clean – way more so than I ever was; or currently am. He popped the hood one day and I marveled at the near showroom appearance of the ~ 28 year old engine bay. I asked the same questions many of you have about getting the various components and systems wet.

The owner of the car was quite talented with most things automotive, especially the electrical systems as he was a professional car audio install technician with a high end audio shop. The sound system in that car was phenomenal even by today’s standards. He was quite confident that the water would not cause problems. That engine bay got a rinse with nearly every car wash and a regular washing. I was still skeptical. I carefully tried it myself starting out away from wiring and the alternator gradually becoming more confident until the entire engine bay was squeaky clean. It looked great then and still does.

I’ve never had a problem with getting any electrical items wet – even a distributor. A modern engine bay is engineered to get somewhat wet during normal use. Assuming your engine bay is in reasonably good shape, with no defects in the electrical, crankcase ventilation and intake systems you will most likely have no problems as well. This works best and is easiest when a car is new as dirt and oxidation never have a chance to start. Even an older engine – dare I say a Jaguar – bay can be transformed with a little extra work.

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Jag DEM (2)

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Jag DEM (1)

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This ME-P is being provided as a guide only – I cannot guarantee you will not experience difficulties. Wash your engine bay at your own risk.

This is what works very well for me …

Start with a cold engine. A warm or hot engine will cause any detergent you spray on to quickly evaporate. Letting it sit and soak is what gets things clean. I cover electrical components, and have put a plastic bag over open exposed conical air filters.

Obviously, do not spray liquid directly into the air intake. Use a garden hose with a variable nozzle to go from a fine spray to a concentrated stream depending on what you are hosing down. A pistol grip style of nozzle is the easiest and fastest to use. A high pressure car wash hose is asking for trouble. Common sense is called for here.

I wash the underside of the hood first. I removed the fiber insulation the day I got my Jaguar home as I have with all of my previous cars. I personally believe the insulation is largely for sound suppression. It becomes a dirt magnet if left on and seems logical to assume it also promotes heat soak. I have not observed any engine heat related effects on the exterior hood paint with/out it.

But, the Jag is not my daily-driver. Hose down the hood, fenders, windshield and engine hosing off loose debris. Spray liberal amounts of full strength Simple Green all over, especially in the inaccessible areas. You would probably see good results with diluted Simple Green as well. Hose off any overspray from the fenders as Simple Green is too harsh for polished waxed surfaces. Let soak for ~5 minutes or so.

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bay

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While I wait – I have a few odd brushes I use to scrub around where I can. Thoroughly hose off all areas (with common sense) until all traces of the detergent are gone. Some areas can take higher pressure, like the intercooler and around the firewall. Once the car / engine wash has been completed I take the car on a drive to heat and dry the engine bay out. I repeat this maybe twice a year – that’s all it takes to keep everything looking showroom clean. The Jaguar under engine cover does a great job in keeping dirt out of the engine bay. 

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Regional Distribution of Un-Insured Adults in the Coverage Gap

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Due to State Decisions NOT to Expand Medicaid

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What is Leadership and Can it Be Defined?

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Of Characteristics and Commonalities

[By Dr. David Edward Marcinko MBA CMP™]

[By Eugene Schmuckler PhD MBA EMd CTS]

manageIt does not matter if you are in the healthcare or financial services sector; or both.

Many psychologists and behavioral experts believe there are commonalities and characteristics applicable to all industries and sectors; including education which is a big part of what we do here at the Medical Executive Post.

Key Leadership Competencies – Definitions

And so, here is a list of key leadership competencies and definitions for your review.

  • Living by personal conviction – Means you know and are in touch with your values and beliefs, are not afraid to take a lonely or unpopular stance if necessary, are comfortable in tough situations, can be relied on in intense circumstances, are clear about where you stand, and will face difficult challenges with poise and self-assurance.
  • Possessing emotional intelligence – Means you recognize personal strengths and weaknesses; see the linkages between feelings and behaviors; manage impulsive feelings and distressing emotions; are attentive to emotional cues; show sensitivity and respect for others; challenge bias and intolerance; collaborate and share; are an open communicator; and can handle conflict, difficult people, and tense situations effectively.  Emotional intelligence may often be labeled EQ, or emotional intelligence quotient.
  • Being visionary – Means that you see the future clearly, anticipate large-scale and local changes that will affect the organization and its environment, are able to project the organization into the future and envision multiple potential scenarios/outcomes, have a broad way of looking at trends, and are able to design competitive strategies and plans based on future possibilities.
  • Communicating vision – Means that you distill complex strategies into a compelling call to march, inspire and help others see a core reason for the organization to make change, talk beyond the day-to-day tactical matters that face the organization, show confidence and optimism about the future state of the organization, and engage others to join in.
  • Earning loyalty and trust – Means you are a direct and truthful person; are willing to admit mistakes; are sincerely interested in the concerns and dreams of others; show empathy and a generally helpful orientation toward others; follow promises with actions; maintain confidences and disclose information ethically and appropriately; and conduct work in open, transparent ways.

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  • Listening like you mean it – Means you maintain a calm, easy-to-approach demeanor, are patient, open minded, and willing to hear people out; understand others and pick up the meaning of their messages; are warm, gracious and inviting; build strong rapport; see through the words that others express to the real meaning (i.e., cut to the heart of the issue); and maintain formal and informal channels of communication.
  • Giving feedback – Means you set clear expectations, bring important issues to the table in a way that helps others “hear” them, show an openness to facing difficult topics and sources of conflict, deal with problems and difficult people directly and frankly, provide timely criticism when needed, and provide feedback messages that are clear and unambiguous.
  • Mentoring others – Means you invest the time to understand the career aspirations of your direct reports, work with direct reports to create engaging mentoring plans, support staff in developing their skills, support career development in a non-possessive way (will support staff moving up and out as necessary for their advancement), find stretch assignments and other delegation opportunities that support skill development, and role model professional development by advancing your own skills.
  • Developing teams – Means you select executives who will be strong team players, actively support the concept of teaming, develop open discourse and encourage healthy debate on important issues, create compelling reasons and incentives for team members to work together, effectively set limits on the political activity that takes place outside the team framework, celebrate successes together as a unit, and commiserate as a group over disappointments.

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  • Energizing staff – Means you set a personal example of good work ethic and motivation; talk and act enthusiastically and optimistically about the future; enjoy rising to new challenges; take on your work with energy, passion and drive to finish successfully; help others recognize the importance of their work; are enjoyable to work for; and have a goal oriented, ambitious and determined working style.
  • Generating informal power – Means you understand the roles of power and influence in organizations; develop compelling arguments or points of view based on knowledge of others’ priorities; develop and sustain useful networks up, down and sideways in the organization; develop a reputation as a go-to person; and effectively affect the thoughts and opinions of others, both directly and indirectly, through others.
  • Building consensus – Means you frame issues in ways that facilitate clarity from multiple perspectives, keep issues separated from personalities, skillfully use group decision techniques (e.g., Nominal Group Technique), ensure that quieter group members are drawn into discussions, find shared values and common adversaries, and facilitate discussions rather than guide them.

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  • Making decisions effectively – Means you make decisions based on an optimal mix of ethics, values, goals, facts, alternatives and judgments; use decision tools (such as force-field analysis, cost-benefit analysis, decision trees, paired comparisons analysis) effectively and at appropriate times; and show a good sense of timing related to decision making.
  • Driving results – Means you mobilize people toward greater commitment to a vision, challenge people to set higher standards and goals, keep people focused on achieving goals, give direct and complete feedback that keeps teams and individuals on track, quickly take corrective action as necessary to keep everyone moving forward, show a bias toward action, and proactively work through performance barriers.
  • Stimulating creativity – Means you see broadly outside of the typical, are constantly open to new ideas, are effective with creative group processes (e.g., brainstorming, Nominal Group Technique, scenario building), see future trends and craft responses to them, are knowledgeable in business and societal trends, are aware of how strategies play out in the field, are well read, and make connections between industries and unrelated trends.
  • Cultivating adaptability – Means you quickly see the essence of issues and problems, effectively bring clarity to situations of ambiguity, approach work using a variety of leadership styles and techniques, track changing priorities and readily interpret their implications, balance consistency of focus against the ability to adjust course as needed, balance multiple tasks and priorities such that each gets appropriate attention, and work effectively with a broad range of people.

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Assessment

Is if often said that leaders rise to the occasion. What do you think?

Conclusion

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Retirement Savings Opportunities for Self-Employed and Small Practice Physicians

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Funding your own Retirement

Guy P. Jones

  • By Guy P. Jones CFP®
  • 21 Stone Creek Place
  • The Woodlands, TX  77382
  • 832-677-1692 www.guypjones.com

As a self-employed physician or small practice physician, it’s up to you to fund your own retirement. You don’t have your employer furnishing you a retirement program with matching dollars and various investment options in which to invest.

On your Own

Basically, you’re on your own to figure out the best plans, the best investments, and the appropriate fees to pay for these services. Oftentimes, without the help of a retirement plan specialist, self-employed physicians and small practice physicians choose the simplest plan, which may not be the best plan for their particular situation.

The Choices

Given the myriad of choices available, let’s take a look at the various plan options and what savings opportunities exist.

Retirement Plan 2014 Savings Limits for an  MD age 52 earning $300-k*

Plan type SIMPLE IRA SEP/PROFIT SHARING 401(k) Single DB Single DB + 401(k)
Maximum contribution $22,300 $52,000 $57,500 $183,000 $221,600

*Defined Benefit plan maximum contribution limits for a 52 year old, including “catch-up” contributions of $2500 for SIMPLE IRA, $5500 for 401(K)

Due to the simplicity of setting up and administering the plan, most self-employed physicians and small practice physicians choose either a SIMPLE IRA or a SEP/Profit Sharing plan. While simple and easy to administer, these plans don’t offer the maximum opportunity to set aside large annual tax-deductible contributions which can accumulate as much as $1-2 million in just 5-10 years. This higher level of contributions can potentially reduce income tax liability by $40,000 or more annually for individuals in higher income tax brackets.

While these higher limit plans may not be right for everyone, they are best suited for physicians who have self-employment income or small practice physicians who are older and want to increase their retirement savings while reducing their tax liability.

Ideal candidates are:

  • 40+ year of age
  • Interested in contributing more than $50,000 per year or a higher percentage of compensation that is allowed in a 401(k)
  • Able to make contributions for at least 3-5 years
  • Earning at least $100,000 per year in one of these ways:
  1. Owns a practice with 5 or fewer FT employees including the physician
  2. Is self-employed as the primary way of earning a living
  3. Has a second source of income whereby he/she is earning self-employment income
  4. Is an independent contractor vs. an employee
  5. Receives payments or royalties from patents, books, consulting, Board of Directors fees, or speaking engagements, etc.

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These plans can work for physicians and practices that are sole proprietors, partnerships, corporations, LLCs, LLPs, or PA’s. High income sole proprietors and couples who are in business together can potentially maximize contributions by doing a combination of a 401(k) and Defined Benefit plan.Recent legislation has increased the flexibility of Defined Benefit plans so that the physician can better manage their contributions from year to year.

However, defined benefit plan contributions are required to keep the plan on track each year to deliver the promised retirement benefit. If the physician wants to terminate the plan, the assets can be rolled over into an IRA where they will continue to grow tax-deferred until withdrawn.

Assessment

If you want to find out if one of these higher limit plans would be appropriate for your situation, don’t wait until the last minute for 2014. Plans such as this have to be opened by the end of the fiscal year or by December 31st if the practice is on a calendar year basis.

Conclusion

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Enter the CERTIFIED MEDCIAL PLANNERs™

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By Eugene Schmuckler PhD MBA MEd CTS

[Academic Provost iMBA Inc., and the CMP™ Online Charter Certification Program]

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CERTIFIED MEDICAL PLANNER CHARTERED PROFESSIONAL DESIGNATION AND CERTIFICATION PROGRAM DESCRIPTOR AND CURRICULUM

 A Working-White Paper

[Enter the Informed Voice of a New Generation of Fiduciary Advisors for Healthcare]

As the financial planning industry grows, and quality information is available on the internet, medical professionals have more access to information than ever before. At the same time, the growing number of consulting generalists – leads to a troubling counter trend – more financial advisors means less differentiation to being a financial advisor. Perhaps this is the reason for the embarrassing number of, valid and specious, financial industry certifications in existence today?

Enter the Institute of Medical Business Advisors, Inc and its’ life-long learning Certified Medical Planner™ initiative.

FOCUS ON LIFE-LONG LEARNERS

The INSTITUTE OF MEDICAL BUSINESS ADVISORS [iMBA] INC., provides a team of experienced, senior level educators and consultants, led by Chief Executive and Medical Officer Dr. David Edward Marcinko FACFAS MBA CMP™ and Chief Academic Officer and Dean – Eugene Schmuckler PhD MBA M.Ed CTS, to construct individually focused curricula for Life-Long Learners [LLLs]. This curriculum is used throughout all phases of Certified Medical Planner™ program matriculation. iMBA Inc., and its staff of teaching professionals, have decades of experience and didactic repute, supported by an unsurpassed in-bound research library, to augment knowledge of the integrated healthcare and financial services environment.

Thus, the iMBA Inc., team provides superior online education in an asynchronous, cost-effective manner, by focusing on academic solutions for the unique needs of each adult-learner. This vast niche network of cognitive and human resources ensures that the Certified Medical Planner™ instructional team maintains the highest level of current and future competence regarding industry trends to serve as the foundation for each adult-learner e-engagement.

Link: Down Load Free White Paper Enter the CMPs

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More: Mike Kitces; MSFS, MTAX, CFP®, CLU, ChFC, RHU, REBC, CASL

What Comes After CFP Certification? Finding Your Niche Or Specialization With Post-CFP Designations

Conclusion:

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8Risk Management, Liability Insurance, and Asset Protection Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners™8Comprehensive Financial Planning Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners™

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Planning for the Special Needs Child

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The Heart of Estate Planning

By Rick Kahler MS CFP® http://www.KahlerFinancial.com

Rick Kahler CFPThe heart of estate planning, for many of us, comes down to one issue: taking care of family. We do our best to make decisions that we hope will be right for surviving spouses and children.

Such decisions are especially challenging for parents of children with special needs. The question of “Who will take care of this child after we’re gone?” can be heart-wrenching. There are financial planners who specialize in this area, and the best option for many families might be to ask a generalist planner like me for a referral to one of them.

The following suggestions, then, are intended as starting points or a very general framework on which to build.

The Framework

A fundamental tool in providing for a special-needs child is a trust. My suggestion is to have this trust handled by a trust company that does not manage money, rather than a bank. It will charge a flat fee for its service, typically in the range of $3,500 to $10,000, and the trust need not be in the millions of dollars. The parents can empower the trust company to hire an appropriate investment advisor to manage the money. I suggest the trust require using an advisor who is a fiduciary to the trust and is compensated by fees rather than commissions. This, along with the trustee looking over the advisor’s shoulder, provides a good system of checks and balances.

Then, the parents can appoint an advocate for the beneficiary who serves as a co-trustee. This person does not manage the money, but is the trustee’s eyes and ears to make sure the trust is meeting the beneficiary’s specific needs. When the advocate can no longer serve, the corporate trustee can appoint a new advocate.

Example:

Advocates might be family members or representatives from an agency that provides care to the beneficiary. In Rapid City, for example, a nonprofit organization called Black Hills Works serves people with a variety of special needs. Many of its clients receive services throughout their lifetimes, and some of them are supported by trusts. An agency like this will not serve as a trustee for clients’ funds, which would be a conflict of interest, but it can serve as an advocate for a client who is the beneficiary of a trust.

Separation of Responsibilities

The basic approach I’m suggesting is to separate the responsibilities of caring for a special-needs child among several professionals, family members, or friends, according to their competencies and the child’s needs. A corporate trustee, not an individual, coordinates their functions. This goes a long way toward assuring consistent and coordinated support throughout the beneficiary’s lifetime.

Estate Planning

I also suggest not thinking of this approach only in terms of estate planning, but also to provide for a child as the parents age. As they become unable to provide care or manage funds themselves, they can turn responsibilities over to the corporate trustee, advisor, and advocate.

Making sure a handicapped child is taken care of may take all the parents’ assets, which could raise the question of fairness to other children. While the issue of what is fair depends on each family’s situation, my observation is that it isn’t necessarily a problem. Many siblings, rather than feeling deprived, are pleased to know the special-needs child is provided for. As with other estate planning concerns, clear communication about the parents’ intentions is crucial.

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Molecular Thoughts

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Assessment

My final suggestion regarding a trust is to make sure you design it to allow the beneficiary as much flexibility and participation in decisions as is appropriate for his or her abilities. Ideally, the trust will not limit the beneficiary’s independence, but will support it.

Conclusion

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What is a Structured Settlement?

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What it Is – How it Works?

[By Staff Reporters]

A structured settlement (sometimes called a “periodic payment settlement”) is a claim settlement under which some of the proceeds will be payable in deferred installments in lieu of immediate cash.

Meaning

What does that mean to you? Settlements paid in the form of a single lump sum, especially in catastrophic injury cases, place claimants, and their families, in the position of having to manage money which may be intended to provide for a lifetime of medical and income needs.

Most people are not experienced in handling large sums of money and as a result, the money is often either spent too quickly or invested leaving little or nothing to cover the future needs of the seriously injured person.

History

Structured settlements were developed in order to create a more stable financial footing for claimants.  In 1982, the use of structured settlements was encouraged by Congress and special tax code was written. Instead of receiving a single lump sum, guaranteed payments can be made to you over time, through the purchase of an annuity, to better meet your financial needs.

IRS

The Internal Revenue Service determined that since the money you receive through a structured settlement is compensation for an injury, you will never pay taxes on any of the payments (principal or interest). There are two primary articles of legislation governing the tax treatment of structured settlements.

For more information regarding tax treatment of structured settlements, please visit the following pages: IRC 104 (a)(2) and IRC 130.  For other legislative actions and tax codes related to structured settlements, please click on one of the following links:  The Periodic Payment Settlement Act of 1982, 468B, 72(u) or 5891.

Schedules

Payments from a structured settlement can be scheduled for any length of time, even for your lifetime. Payment designs can include bi-weekly, monthly, quarterly or annual payments as well as future lump sums. Ongoing payments can be in level amounts or can keep up with inflation by using a Cost of Living Adjustment (“COLA”). Since you work with the Structured Settlement Consultant to determine the payment design, you can remain confident that your future financial needs are addressed.

If a single lump sum payment is taken as compensation for an injury, it is tax-free but any additional income (called “Interest Income”) you receive from investing the lump sum will be taxable. The bottom line is that structured settlements provide you with a unique opportunity to take advantage of an investment without risk OR tax consequences.

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Assessment

At the core of the federal tax code’s explicit recognition of structured settlements is the concept of” constructive receipt”.

For a concise explanation about Congress’ intent and how the Internal Revenue Service has traditionally interpreted the application of constructive receipt, click here for the National Structured Settlement Trade Association (NSSTA) brochure, Structured Settlements: Explaining Constructive Receipt.

To download the NSSTA brochure, Structured Settlements and Qualified Assignments: How Federal Tax Rules Benefit all Parties in a Claim, click here.

Conclusion

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On Physician Pay Rising

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A New Medscape Report

[By Staff Reporters]

Doctor salary

Physicians working in office-based solo practices and single-specialty practices saw a modest increase in their paychecks from 2012 to 2013, according to the lastest installment of Medscape’s annual Physician Compensation Report.

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MD

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Conclusion

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Possible Food Poisoning Sickens 100 at Food Safety Summit?

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Food Safety Summit in Baltimore, Maryland

[By Dr. David Edward Marcinko MBA]

According to reporter Joel Aleccia, more than 100 people have now reported they got sick with suspected food poisoning at a national Food Safety Summit held earlier this month in my home town of Baltimore, Maryland.

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DEM at Aquarium

[Dr. David Edward Marcinko visiting the Maryland Convention Center and National Aquarium at Harbor Place]

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Definition of “Irony”

“Irony is an incongruity between what actually happens and what might be expected to happen, especially when this disparity seems absurd or laughable”.

Link: http://www.nbcnews.com/health/health-news/possible-food-poisoning-sickens-100-safety-summit-n91631

Conclusion

Although this case of irony is not at all laughable, it is still frankly absurd and illustrative of a teaching moment.

And so, your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.

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Are [Medical] Trade Fairs Good Entertainment?

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They Ought to Be . . .

By Vanessa

http://thedisplayoutlet.com

Just because medical trade fairs and other exhibitions are designed to help hospitals, medical practices and businesses grow, or show case their products and services and increase their gain in the market place – it doesn’t all have to be work – some trade shows and exhibitions are boring! The best trade fairs are the ones which successfully inject a little fun into the proceedings and the most successful trade booths are the ones which engage the visitors in that fun.

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The first thing that a visitor to a trade show sees is the booths, rows and rows of booths – large booths, smaller booths, brightly colored booths, brightly lit booths . . . booths, booths and more booths. The second thing that a visitor to a trade show sees is the people, the staff, the personnel in your booth. The booth and your sales staff reflect your company, your products, your professionalism and your services. Make sure that your booth and the staff give the right sort of impression. Friendly, welcoming and knowledge staff is important – ideally dressed to co-ordinate in with the theme of your trade show booth. This doesn’t have to include an entire uniform; just a blouse or shirt with the company emblem or logo in corresponding colors will do fine.

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Your staff needs to be welcoming and friendly; it helps to have a pot of coffee on the go and maybe even some nice smelling cookies. People need to feel comfortable enough to approach your booth and if you have some fun, interactive activity on there it will surely attract their attention. Nothing attracts the attention of a passer by more than people having fun, trying to do something, hold something or win something. The addition of items like “prize wheels” can really help to add this type of dimension to your trade show booth. A spinning prize wheel with the chance to win something exciting is a gem of an attraction in a sea of otherwise boring trade booths. If your display is tall, well lit and gets the message across then you have a very good chance of a successful trade show.

If your medical clinic, practice business is rather small and you cannot really afford a very large pitch then try to take a smaller booth next to a large, popular stand. This works best if the neighboring company is not in direct competition with you, rather just a complimentary type of business. That way, as they are busy attracting the visitors to their stand you can be on the sidelines catching them as they move away . . . that fabulous fresh coffee aroma could do wonders for your popularity.

Another good location for a pitch is close to the refreshment bar – any place which attracts the majority of the visitors is a good option. Some trade shows and exhibitions hire entertainers to keep the visitors happy and the mood light and playful (which is incidentally very productive). If you do know that there will be a magician or other types of entertainer around then try to get as close to his stand as possible.

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The Display Outlet has a great range of products which are designed to help your booth stand out from the crowd and make your trade fair experience a success. It is important to think outside the box and try to come up with creative ideas for visitors to flock to your stand for a little light relief, once you’ve got their attention the rest is up to you and your sales staff.

Assessment

http://thedisplayoutlet.com/collections/prize-wheel

Conclusion

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