The Busy Life of a Medical Professional

From the Desk of Charlie McCullough

Charlie McCulloughAs the husband of a medical doctor, I am well aware that the long hours and countless demands of this profession can take a toll on a person. My wife, Lisa, is one of four physicians in a thriving medical family practice. While she has a skilled staff of nurses, nurse practitioners and physician’s assistants, as well as countless administrative professionals, the burden she carries helping her patients maintain their health can be great.

As a general rule, we try not to bring work home.  When we step through the front door, our goal is to make the rest of the day all about family. Our main priority is to be there for our children and ensure that we capture all of those special times together. However, there are times when the priorities of running a household can get in the way of these plans.  As a homeowner, there are maintenance responsibilities, as parents, we have various roles we need to play – volunteers, cheerleaders, tutors, etc. Add to this the groceries, neighborhood commitments, extended family gatherings and life can get very complicated.

All of this is to say, that sometimes, we need to put affairs such as our financial planning in the hands of a reliable professional. An Individual we can trust to manage our investment portfolio with our best interest in mind. This is why I am glad to work with the experts at Financial Fiduciaries.  There are many benefits to putting our financial affairs in their hands.  Here are just a few:

  • Investment research – My advisor provides me the inside information on all of my options so that together we can make qualified and informed decisions about our financial future.
  • Peace of Mind – In a volatile economy, there are many things to consider when selecting investments. Financial Fiduciaries helps me understand how things like rising interest rates and changes in the international markets will impact my portfolio’s performance.
  • Qualified Advice – There is a lot of investment advice out in the market. But how much of it is really qualified? The team at Financial Fiduciaries helps me understand the latest investment trends. I no longer have to worry about inflation, deflation, currency wars, commodities and precious metals, annuities or if I should consider long-term care insurance. Because we work together to create a comprehensive plan I know that my portfolio is designed for the best possible outcome for my future goals.
  • Tax Planning – Being in a higher tax-bracket comes with hidden tax concerns. My advisor at Financial Fiduciaries not only provides investment advice, but also helps me understand the tax implications of my choices.
  • Estate Planning – My advisor works with us so that we can direct where our money will go when we are no longer here. We know our children and favorite charities will be taken care of if something should happen to us.

If I didn’t work with the team at Financial Fiduciaries, these concerns and many other financial and retirement planning considerations would take up our valuable family time.  They offer the serenity that Lisa and I need in an otherwise hectic life!

Charlie and Lisa McCullough are fictitious characters who are utilized to illustrate situations in which people might find themselves.  Their family and friends are also fictitious.  While their stories are inspired by actual situations encountered by Financial Fiduciaries professionals working with clients and prospective clients, they are not intended to provide any specific investment advice.  Each situation is different and any general advice provided in the context of these articles may not be suitable for all individuals.  Always consult a professional for advice specific to your situation.

About Objectively Speaking

Tom Batterman, founder of Vigil Trust & Financial Advocacy and Financial Fiduciaries, LLC is in the business of representing the best financial interests of his clients. Having provided objective, fee-only financial management services for over two decades, he specializes in managing the investment and related financial affairs of individuals and mutual insurance companies who do not have the time, interest or expertise to manage such matters on their own. As an objective, unbiased professional who takes on a fiduciary responsibility to his clients, he guides clients to the financial decisions they would make themselves if they had years of training and experience and the time and expertise to fully research and understand all of their options. Founded in 2010 as an outgrowth of Vigil Trust & Financial Advocacy, Financial Fiduciaries, LLC is a financial management solution for individuals and mutual insurance companies who recognize they do not have the time, interest or expertise to properly attend to their financial matters on their own. While there are many financial “advisors”, most of them have investment products to sell and the “advice” they provide is geared toward getting their clients to engage in a purchase. As one of the rare subset of advisors known as “fiduciary advisors”, Financial Fiduciaries does not sell any investment product so its guidance is not compromised by conflicts of interest which plague ordinary advisors. Prior to his employment in the financial industry in financial advocacy and trust positions, he worked at a private law practice in the Wausau area in the areas of estate planning, tax, retirement planning, corporate organizations and real estate. He is a graduate of the University of Wisconsin-Madison and the UW-Madison Law School and has during his career held Series 7, 24 and 65 securities licenses. A longtime resident of the Wausau, Wisconsin Area, Tom is active in the community. He enjoys golf, curling, skiing, fishing, traveling and spending time with his family.
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