James M Dahle MD FACEP – Fire Your Financial Advisor!

Fire Your Financial Advisor!

A Step by Step Guide to Creating Your Own Financial Plan

Over the years that I’ve been helping doctors and other high income professionals stop doing dumb stuff with their money, I’ve learned that most of them aren’t hobbyists. They don’t find personal finance and investing all that interesting. In fact, if given the choice, they’d rather not do it at all. Ideally, they would hire a “money guy (or gal)” who would take care of all this for them for a reasonable price.

Unfortunately, one of two things usually happens. The first is that they hire a “money guy,” but that person either gives crummy advice or charges too much for good advice. The second is that they become so busy or so paralyzed about which “money gal” to hire that they don’t do anything at all. Either way, they leave a lot of money on the table and go through life with a sense of unease that they are doing something wrong with their finances.

Does that describe you? If so, it’s time to get rid of that unease. I know you’re busy. I know you don’t actually enjoy this stuff. But you also know that you need to learn this stuff. I’m going to help you do it in the least painful way possible.

This course is for you. No more wading through dozens of books at the library, scrolling through hundreds of blog posts on dozens of blogs, or checking in daily with online forums trying to gain a financial education the way the hobbyists do. For 1/10^th the price and half the time of hiring a professional financial planner, this course will take you from feeling anxious and having no plan to having a written financial plan you can follow the rest of your investing career as a professional and a retiree. This course is the material that should have been taught to you in college, medical school, or residency but never was.

Benefits of the Course

When you finish the course, you’ll feel confident that:

• You have all the insurance you need at the best possible price and none of the insurance you don’t need
• You are managing your student loans the right way, maximizing the benefits of government programs, minimizing interest paid, and getting out of debt as soon as possible
• You are either capable of managing your investments yourself, or you are paying a competent advisor a fair price to do it for you
• You are saving enough money to reach your goals and can spend the rest on whatever you like without feeling guilty
• You aren’t paying any more taxes than you need to
• Your children and your assets will be taken care of if something should happen to you
• Your assets are protected from lawsuits as much as possible with a simple, straightforward, and inexpensive plan
• You have a written plan to follow that will guarantee your financial success

What’s In The Course

The course includes 12 modules, covering all of the must-know subjects that belong in your financial plan. Lectures are presented as videos and screencasts, over 7 hours total. There is also a pre-test, a quiz for each section, and a final exam to help you know that you’re mastering the material. Each quiz and the final exam include full explanations of why one answer is right and another is wrong. Most importantly, the course includes examples of what your financial plan should look like that you can modify and use as your own. Best of all, you can do the course as quickly or as slowly as you like. Each presentation is just a few minutes long and most of the twelve sections only last about a half hour. You can complete the course in any order, skip what you already know, and go back and review any material you struggle with later. Once you buy the course, it’s yours forever. See the curriculum below for more details.

Think about how many books you would need to read to get all this information and adapt it to your unique situation. Think about how many hours you would have to spend perusing blogs and internet forums. Calculate how much your own time is worth. Consider how much a financial advisor would charge to do this for you – $2,000-5,000 plus ongoing fees for years. Think about how much it would cost just for an hourly rate advisor to teach you these eight hours of material at $200-500 an hour. Then consider the value that this course could provide for you for just a few hundred dollars.

Rather than trying to pack as much information as possible into the course, I have only included high-yield, must-know topics so you’re not wasting your time. My goal is to take you from having no financial plan, to having a straightforward, written plan you believe in and can follow the rest of your life in as little time as possible. Go from being financially illiterate without a clue to being the most financially knowledgeable doc in your group with an expertly written financial plan in hand.

Buy Fire Your Financial Advisor Today For Just $499!

$499 is a lot of money. I fully recognize that. But considering that the going rate for a financial plan is typically several thousand dollars and that this information is likely to save/make you hundreds of thousands or even millions of dollars over the course of your career, this course is a bargain at twice the price. As people, we value and we commit to what we are willing to pay for. I want to help you to commit to your own financial future, and this entire course, including its price, is designed to help you do that.

No more feeling clueless about personal finance and investing. No more wasting time and money on stuff that isn’t making you happier. Let’s get rid of your debt and start building wealth to eliminate financial stress from your life. It’s time for you to become the “rich doctor” that your family, friends, and patients already think you are. Then you can focus on what you really care about- your family, your patients, and making the world a better place than you found it.

There Is No Risk

Not sure you want it? Hesitant to commit the time and money to taking control of your finances? How about this, I’ll give you 7 days, risk-free, to decide. That’s right. For the first week after you purchase it, you can return the course and get every dime back if it isn’t the life-changing experience I know it will be. I know I can trust you not to take advantage of me with this offer, because I know you will feel just like the tens of thousands of other high-income professionals I have helped over the years like those who left these comments on the blog just in the last few weeks:

Testimonials

This is by far the most comprehensive, easy to understand, empowering and very practical course I have ever come across. As stated in the objective of the course, one could easily end up having own’s written financial plan and start investment journey with all necessary tools at hand. I am a living witness of this. I am confident that it will only get even more interesting as I claim back my financial life. Behold, I departed from my financial advisor and put things in order as dictated by my written goals. I am thrilled and “Thank you” is just an understatement. I deeply appreciate your help to all of us in need and I would hope we pay it forward by educating others!

This course is amazing! I think it’s the best one stop shop I’ve come across for all things personal finance and investing.

My finances are in order at the beginning of my career thanks to my WCI education so I will “get rich slowly” long before a “normal” retirement age. Thanks tons Dr. Dahle!

This course is the BEST INVESTMENT I HAVE EVER MADE!

Thank you for assembling all of this information in an easy to navigate and understand format. My financial competence has gone from poor to sufficient enough to strike out on my own with managing retirement investments . Your encouragement/recommendation to continue on with my financial education will take me further as the years pass. I also appreciate the scope of this lecture series that has caused me to think about and act on other topics like estate planning and setting SMART goals which spills over into other areas of life. This has been good news for me to hear!

This course has really been an eye-opener for me. I was under the impression that I had no choice but to pay someone to manage my money but now I have the tools to do it myself. I have a personal financial plan that would have cost me thousands. It is complete and pertinent to my situation and doesn’t include any expensive superfluous products. Thank you so much for offering this course. I will be recommending it to my colleagues .

So, I have you to thank for re-igniting that spark, which has led to getting our financial plan in order. And, I’ve even taken your advice on how to channel some of that financial energy after I’d done most of the big things: teach others. Last month, I began teaching a personal finance curriculum for my department’s residents! Hopefully, we can all take what you started to reach more and more physicians!
I have to been able to pass 7 figures five years post-residency because of [you.]

 

The sooner you purchase and complete the course, the sooner you can apply this valuable information in your life and get a “fair shake” on Wall Street. Spend eight hours with me for just $499 and optimize your financial life.

Purchase the course today and let’s get started. You’ve put this off long enough.

Buy Fire Your Financial Advisor Today for Just $499!

Your Instructor

James M. Dahle, MD, FACEP

James M. Dahle, MD, FACEP is a practicing emergency physician and a veteran who developed a passion for personal finance and investing early in his career after being ripped off by financial professionals of many types. After a lengthy self-education process, he realized nobody was teaching this material to physicians and similar high-income professionals and many of them were making the same mistakes he made. This passion grew into The White Coat Investor blog, established in May 2011 and now the most widely-read, physician-specific personal finance and investing website on the planet. He is also the best-selling author of The White Coat Investor: A Doctor’s Guide to Personal Finance and Investing and The White Coat Investor’s Financial Boot Camp: A 12-Step High-Yield Guide to Bring Your Finances Up to Speed. Subsequent efforts in this space include the establishment of a popular podcast, a YouTube channel, a live conference, a Facebook Group, online courses, a subreddit, and an online forum. The White Coat Investor community also funds a scholarship which gives away nearly $100,000 in cash and prizes each year to professional students in order to promote financial literacy and directly reduce the indebtedness of these young professionals. This online course represents the next step in getting this information into the hands of those who need it most in order to “get a fair shake on Wall Street.”

Course Curriculum

Fire Your Financial Advisor!
Section 1 Introductory Materials

What You Will Learn (3:46)

Course Description (1:30)

Pre-Test (25 questions)

About the Instructor (6:13)

Introduction to Other Resources (5:19)

Why You Need a Plan (2:30)

Example of a Financial Plan

Written Financial Plan Worksheet

Section Quiz (6 questions)

Quiz Answers and Explanations

Section 2 What You Need To Know About Financial Advisors

What An Advisor Can Do For You (2:57)

The Cost of Advice (3:54)

How To Pay For Advice (8:42)

What To Look For In An Advisor (7:19)

How To Use An Advisor (2:55)

Can You Do It Yourself? (1:16)

How to Move Your Money (1:55)

Section Quiz (6 questions)

Quiz Answers and Explanations

Section 3 What You Need To Know About Insurance

General Insurance Topics (2:52)

Disability Insurance (14:16)

Life Insurance (3:46)

Getting Life Insurance Quotes (2:00)

Liability Insurance (1:29)

Property Insurance (2:02)

Health Insurance (3:05)

Avoiding Insurance-Based Investments (16:26)

How To Do Your Written Plan- Insurance (4:52)

Examples of Insurance Portion of Written Financial Plan

Section Quiz (6 questions)

Quiz Answers and Explanations

Section 4 Developing a Plan For Your Housing

Why a House is an Investment (3:23)

Resisting The Urge to Buy (6:28)

How Much To Spend (3:01)

Interacting With Realtors (2:14)

Interacting With Lenders (1:48)

Physician Mortgage Loans (6:53)

Paying Off Your Mortgage Early (2:15)

How To Do Your Written Plan- Housing (4:07)

Examples of Housing Portion of Written Financial Plan

Section Quiz (7 questions)

Quiz Answers and Explanations

Section 5 Destroying Your Student Loans

Minimizing The Burden (2:22)

Income Driven Repayment Plans (9:23)

Public Service Loan Forgiveness (PSLF) (4:15)

Refinancing During Residency (5:17)

Refinancing After Residency (4:09)

Pay Off Debt Quickly (3:34)

Paying Off Loans vs. Investing (4:11)

How To Do Your Written Plan- Student Loans (4:01)

Examples of Student Loan Portion of Written Financial Plan

Section Quiz (7 questions)

Quiz Answers and Explanations

Section 6 How to Spend Money to Increase Current and Future Happiness

Live Like A Resident (3:35)

Hit The Ground Running (2:01)

Cash Flow Planning (Budgeting) (6:24)

Budget Example

Minimizing Fixed Expenses (2:17)

Sinking Funds (1:06)

Emergency Funds (2:57)

How To Do Your Written Plan- Spending (2:53)

Examples of Spending Portion of Written Financial Plan

Section Quiz (7 questions)

Quiz Explanations and Answers

Section 7 Creating Your Investing Plan Part One – Setting SMART Goals That Matter To You

Setting SMART Goals (3:53)

The Three Enemies Of The Investor (4:59)

How Much You Need To Retire (9:32)

Savings Rate (2:34)

Social Security (2:32)

College Savings (3:38)

Future Value Function (4:47)

Payment Function (3:38)

Period Function (3:06)

How To Do Your Written Plan- Goals (3:47)

Examples of Goals Portion of Written Financial Plan

Section Quiz (7 questions)

Quiz Answers and Explanations

Section 8 Creating Your Investing Plan Part Two- Understanding Your Investing Accounts

Investing in a Taxable Account (11:21)

Read Your Plan Documents (1:32)

Two Main Types Of Retirement Accounts (2:24)

Employer Provided Retirement Accounts (3:48)

Self Employed Retirement Plans (2:30)

Defined Benefit Plans (1:14)

The Backdoor Roth IRA (5:46)

Health Savings Account (HSA) (3:08)

Multiple 401(k)s (3:27)

529 Plans- Education Savings (3:54)

How To Do Your Written Plan- Investing Accounts (3:07)

Examples of Investing Accounts Portion of Written Financial Plan

Section Quiz (13 questions)

Quiz Answers and Explanations

Section 9 Creating Your Investing Plan Part Three- Asset Allocation and Implementation

Stocks, Bonds, & Mutual Funds (9:04)

The Case For Mutual Funds (6:45)

Index Funds (3:58)

Introduction To Asset Classes (5:47)

Total Market vs. Factor Investing (5:06)

Options For Real Estate Investing (8:26)

Choosing an Asset Allocation (11:29)

The Simple Approach (3:22)

Tax-Efficiency and Asset Location (10:01)

Implementing Your Asset Allocation (13:50)

Rebalancing Your Portfolio (3:53)

Investing In Retirement (7:48)

How To Do Your Written Plan- Asset Allocation (9:26)

Examples of Asset Allocation Portion of Written Investing Plan

Section Quiz (10 questions)

Quiz Answers and Explanations

Section 10 Estate Planning

Purposes of Estate Planning (0:36)

Why You Need a Will (2:01)

Probate and Designating Beneficiaries (2:49)

Revocable Trusts (2:30)

Avoiding The Death Tax (7:46)

How To Gift Assets (2:05)

Irrevocable Trusts (1:48)

When To Meet With An Estate Planning Attorney (0:45)

How To Do Your Written Plan- Estate Planning (2:37)

Examples of Estate Planning Portion of Written Financial Plan

Section Quiz (8 questions)

Quiz Answers and Explanations

Section 11 Asset Protection

Evaluating Your Risks (8:45)

Insurance- The First Line of Defense (2:42)

Learning Your State Asset Protection Laws (8:24)

Should I Incorporate My Practice? (2:35)

Separating Toxic and Non-Toxic Assets (2:34)

Advanced Asset Protection (5:01)

How To Do Your Written Plan-Asset Protection (3:19)

Examples of Asset Protection Portion of Written Financial Plan

Section Quiz (7 Questions)

Quiz Answers and Explanations

Section 12 Staying The Course

Staying The Course & Market History (5:32)

Initial and Continuing Financial Education (1:54)

Modifying The Plan (2:19)

How To Do Your Written Financial Plan- Finishing the Plan (5:19)

Financial Plan Worksheet

Implementing Your Plan (3:01)

Section Quiz (8 Questions)

Quiz Answers and Explanations

Final Exam (50 Questions)

Final Exam Answers and Explanations

Please Leave Us Feedback To Improve the Course

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