Couverture de The Financial Beast Podcast for Practice Owners

The Financial Beast Podcast for Practice Owners

The Financial Beast Podcast for Practice Owners

De : Econologics Financial Advisors
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The Financial Beast Podcast for Practice owners is designed for practice owners to get vital info on financial matters that concern them both personally and professionally. Additional to help them get into ”Financial Beast” mode and stay there so they can achieve all of their financial goals. A financial beast is debt free, protected, invested and set for life!Sage Assets, LLC. Copyright 2022 All rights reserved. Economie Finances privées
Épisodes
  • Your Practice Has Cash Sitting in the Bank. Here's What It Could Be Earning.

    Your Practice Has Cash Sitting in the Bank. Here's What It Could Be Earning.
    Nov 2 2026
    Your healthcare practice could have hundreds of thousands of dollars sitting in a business checking or savings account. But is that cash actually working for you? When interest rates rise, most people focus on the negatives: higher borrowing costs, expensive mortgages, and pressure on investments. But higher interest rates can also create opportunities for healthcare practice owners who know where to look. In this solo episode of the Financial Beast Podcast, Eric Miller explains how rising interest rates can benefit savers, investors, retirees, and practice owners with significant cash reserves. From short-term Treasury bills to bonds, annuities, and commercial real estate, Erik breaks down the opportunities that can emerge when interest rates move higher. In this episode, you'll learn: • Why rising interest rates aren't always bad for your finances • How higher rates can benefit people holding significant cash • Why your business checking account may not be the best place for excess cash • How short-term Treasury bills work • Why Treasury interest generally receives favorable state income tax treatment • How business brokerage accounts can fit into a cash management strategy • Why higher bond yields can benefit some retirees • What happens to existing bond prices when interest rates rise • How higher rates can affect annuity and lifetime income options • What practice owners should consider when managing variable-rate debt • Why rising rates can create opportunities in commercial real estate • How to evaluate cash-flowing property when borrowing costs are higher The key is understanding how changes in interest rates affect different parts of your financial life. For healthcare practice owners, the goal isn't simply to grow your business. It's to make sure the money your practice generates helps build long-term financial independence for you and your household. If you're a veterinarian, physical therapist, dentist, optometrist, chiropractor, or other healthcare practice owner, this episode will help you think differently about cash management and investment opportunities. Subscribe to the Financial Beast Podcast for financial planning, practice growth, wealth building, retirement strategies, and practice exit planning designed specifically for healthcare business owners. CHAPTERS 00:00 How to Benefit From Rising Interest Rates 01:03 Why Higher Interest Rates Create Opportunities 02:00 Financial Planning for Healthcare Practice Owners 03:32 Are Rising Interest Rates Really Bad? 04:23 How Federal Reserve Rates Affect Borrowers 05:12 Why Higher Rates Can Benefit Savers 06:05 Short-Term Treasury Bills Explained 07:16 How to Invest Business Cash in Treasuries 08:29 Why Excess Business Cash Should Work Harder 08:56 Higher Bond Yields and Retirement Income 09:52 What Happens to Bonds When Interest Rates Rise? 11:48 Annuities and Life Insurance in a High-Rate Environment 13:29 How Higher Rates Can Improve Annuity Income Options 15:03 Managing Practice Debt When Rates Rise 15:58 What Higher Interest Rates Mean for Stocks 16:34 Private Lending and Interest Income 17:18 Reviewing Your Financial Strategy 18:13 Buying Commercial Real Estate With Higher Rates 19:42 Final Thoughts on Rising Interest Rates _________________________________________________________________________________ Want to schedule a free consultation? Visit www.econologics.com or call us at (727) 588-1540 or schedule directly at: https://econologicsfinancialadvisors.com/complimentary-consultation/ Get Social With Us Website: https://www.econologicsfinancialadvisors.com LinkedIn: https://www.linkedin.com/company/econologics Facebook: https://www.facebook.com/econologicsfinancial Instagram: https://www.instagram.com/econologicsfinancialadvisors X / Twitter: https://x.com/FinancialBeasts Vimeo: https://vimeo.com/econologics 🔒 Disclaimer Econologics Financial Advisors, LLC (‘EFA’) is registered with the Securities and Exchange Commission as an investment advisor. (Such registration does not imply a certain level of skill or training.) EFA provides investment advisory services only in states where it is permitted to do so under state laws and only to the extent permitted thereby. This communication is not an offer to sell or effect any transaction in securities. Neither EFA nor its affiliates provide legal, tax or accounting advice. Please consult a qualified attorney or accountant. Results are not guaranteed and will vary depending on the specific circumstances of each individual and on other factors. Full disclosure: https://econologicsfinancialadvisors.com/legal-disclosures/
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    20 min
  • Which Retirement Accounts Should You Withdraw From First?

    Which Retirement Accounts Should You Withdraw From First?
    Oct 16 2026
    Which retirement accounts should you withdraw from first? After decades of saving, investing, and building wealth, knowing when and how to start spending your money can be one of the hardest parts of retirement. For successful healthcare practice owners, the challenge is especially important. Your wealth may be spread across 401(k)s, IRAs, Roth accounts, brokerage investments, real estate, annuities, life insurance, and the proceeds from selling your practice. So where should your retirement income actually come from? In this episode of the Financial Beast Podcast, Eric Miller and Eric Gersch break down how they approach retirement income planning, which assets they generally consider using first, and how to create income while protecting your long-term financial security. In this episode, you'll learn: • Why transitioning from saving to spending is so difficult • Why your net worth doesn't necessarily have to decline in retirement • Which retirement accounts to consider withdrawing from first • Why traditional IRAs and 401(k)s can create tax challenges • How required minimum distributions (RMDs) affect retirement planning • When Roth IRAs can provide tax flexibility • How annuities and certain life insurance policies can provide lifetime income • Why guaranteed income can reduce retirement anxiety • How brokerage accounts can supplement retirement income • How Social Security and rental income fit into the plan • Why the timing of withdrawals matters for taxes • How part-time work can reduce pressure on your investments • How to enjoy retirement while still planning for your family's future The goal isn't simply to accumulate the largest possible retirement account. It's to build a retirement income strategy that allows you to enjoy the wealth you've created while maintaining financial security. If you're a veterinarian, physical therapist, dentist, optometrist, chiropractor, or other healthcare practice owner approaching retirement or preparing to sell your practice, this conversation will help you understand the decisions ahead. Subscribe to the Financial Beast Podcast for practical financial strategies, practice growth advice, retirement planning, exit planning, and wealth-building guidance for healthcare practice owners. CHAPTERS 00:00 When Should You Start Spending Retirement Savings? 01:43 Why Retirement Income Planning Matters 03:38 The Fear of Spending Your Retirement Savings 05:20 Can Your Net Worth Keep Growing in Retirement? 07:15 When to Withdraw From 401(k)s and IRAs 08:35 Required Minimum Distributions Explained 09:19 How Roth IRAs Fit Into Retirement Income 10:02 Which Retirement Income Sources to Use First 10:49 Annuities and Life Insurance Income Explained 12:48 How Guaranteed Retirement Income Works 14:57 Why Guaranteed Income Reduces Retirement Stress 17:10 Using Brokerage Accounts in Retirement 18:32 When Should You Claim Social Security? 20:20 Combining Multiple Retirement Income Sources 21:30 Tax-Efficient Brokerage Account Withdrawals 22:25 Working Part-Time During Retirement 24:24 Enjoying Retirement on Your Own Terms _________________________________________________________________________________ Want to schedule a free consultation? Visit www.econologics.com or call us at (727) 588-1540 or schedule directly at: https://econologicsfinancialadvisors.com/complimentary-consultation/ Get Social With Us Website: https://www.econologicsfinancialadvisors.com LinkedIn: https://www.linkedin.com/company/econologics Facebook: https://www.facebook.com/econologicsfinancial Instagram: https://www.instagram.com/econologicsfinancialadvisors X / Twitter: https://x.com/FinancialBeasts Vimeo: https://vimeo.com/econologics 🔒 Disclaimer Econologics Financial Advisors, LLC (‘EFA’) is registered with the Securities and Exchange Commission as an investment advisor. (Such registration does not imply a certain level of skill or training.) EFA provides investment advisory services only in states where it is permitted to do so under state laws and only to the extent permitted thereby. This communication is not an offer to sell or effect any transaction in securities. Neither EFA nor its affiliates provide legal, tax or accounting advice. Please consult a qualified attorney or accountant. Results are not guaranteed and will vary depending on the specific circumstances of each individual and on other factors. Full disclosure: https://econologicsfinancialadvisors.com/legal-disclosures/
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    25 min
  • You Make Great Money. So Why Do You Still Feel Financially Stressed?

    You Make Great Money. So Why Do You Still Feel Financially Stressed?
    Oct 9 2026
    Your practice is successful. You're making good money. You have investments. Maybe you don't even have much debt. So why do you still feel financially stressed? In this solo episode of the Financial Beast Podcast, Eric Miller breaks down something he's seeing among successful healthcare practice owners: making more money doesn't automatically create financial confidence. In fact, having significant cash coming in without a clear plan for what to do with it can create an entirely different kind of financial anxiety. Eric breaks down what practice owners should be thinking about right now, from giving every dollar a job to protecting liquidity, building reserves, investing during volatile markets and demanding more from your financial team. In this episode: • Why successful practice owners can still experience financial anxiety • Why every dollar should have a job before it arrives • How to think about investing during volatile markets • Why dollar-cost averaging can become valuable when markets decline • How higher interest rates can change your cash strategy • Why Eric is looking at short-term Treasuries for liquidity • How much cash a practice should keep in reserve • Why your household needs its own financial reserves • Why having available lines of credit matters before you need them • How economic fear can lead practice owners into bad financial decisions • Why you should demand more communication from your financial advisor • What your financial team should actually be helping you accomplish • Why chasing unrealistic investment returns can destroy a good financial plan • Why every practice owner needs to become the CFO of their own financial life The goal isn't simply to make more money. It's to know how to acquire, control and invest that money so your practice can create financial independence for you and your household. If you're a veterinarian, physical therapist, dentist, optometrist, chiropractor or other healthcare practice owner who earns well but still doesn't feel completely in control of your finances, this episode is for you. 🎙️ Subscribe to the Financial Beast Podcast for financial strategies, practice growth insights, exit planning and personal wealth-building strategies designed specifically for healthcare practice owners. CHAPTERS 00:00 Why Successful Practice Owners Still Feel Financial Stress 02:07 Who Financial Beast Is Really For 03:24 Financial Anxiety When You're Making Good Money 05:39 Why Every Dollar Needs a Job 06:27 Investing During Economic Uncertainty 08:14 Dollar-Cost Averaging During Market Volatility 09:15 Rethinking Cash and Treasury Bills 11:03 How Much Cash Should Your Practice Keep? 14:12 Why You Need Credit Before You Need It 14:55 Don't Let Bad Economic News Control Your Decisions 17:13 Demand More From Your Financial Advisor 21:07 The Danger of Chasing Huge Investment Returns 24:29 Why Money Needs a Leader _________________________________________________________________________________ Want to schedule a free consultation? Visit www.econologics.com or call us at (727) 588-1540 or schedule directly at: https://econologicsfinancialadvisors.com/complimentary-consultation/ Get Social With Us Website: https://www.econologicsfinancialadvisors.com LinkedIn: https://www.linkedin.com/company/econologics Facebook: https://www.facebook.com/econologicsfinancial Instagram: https://www.instagram.com/econologicsfinancialadvisors X / Twitter: https://x.com/FinancialBeasts Vimeo: https://vimeo.com/econologics 🔒 Disclaimer Econologics Financial Advisors, LLC (‘EFA’) is registered with the Securities and Exchange Commission as an investment advisor. (Such registration does not imply a certain level of skill or training.) EFA provides investment advisory services only in states where it is permitted to do so under state laws and only to the extent permitted thereby. This communication is not an offer to sell or effect any transaction in securities. Neither EFA nor its affiliates provide legal, tax or accounting advice. Please consult a qualified attorney or accountant. Results are not guaranteed and will vary depending on the specific circumstances of each individual and on other factors. Full disclosure: https://econologicsfinancialadvisors.com/legal-disclosures/
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    27 min
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