Best W. Ben Utley Podcasts (2025)

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#141 How Can Doctors Save in a More Tax-Efficient Way as Tax Season Approaches? 33:15

9h ago33:15

33:15

CAUTION: Tax season is quickly approaching. We know that it can be shocking to see a huge or unexpected tax bill, and this time of year, it seems like everyone is advertising a way to save. How can physicians like you know if these methods are legit or a good idea? Nate Reineke and Chelsea Jones break down some of the ways you may be able to save o…

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#140 Managing Risk and Staying on Target: When Should Doctors Pay Capital Gains? 35:17

1d ago35:17

35:17

The market is always moving, and it can be tempting to try to rebalance when you’d have to pay the least capital gains taxes. Tax savings are great, but is this really the best way to decide when to rebalance? Nate Reineke and Kyle Hoelzle break down how the market may play into rebalancing and what doctors like you should consider when deciding to…

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#139 This or That: What Retirement Plan Should Physicians Choose? 25:27

8d ago25:27

25:27

It is Halloween! The kids are out trick-or-treating, and the air is a little crisper as the seasons change. A change in jobs or open enrollment can lead to the spooky decision of what retirement plan is best: a defined benefit plan or a defined contribution plan? Nate Reineke and Chelsea Jones break down what each plan means and the benefits that c…

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#138 A Physician’s Guide to Life Insurance with Brian Leet, MBA, FLMI 44:39

16d ago44:39

44:39

Life insurance is becoming a standard benefit for employers to offer, but is the group policy enough for a doctor like you? Nate Reineke is joined by Brian Leet, who helps families across the country navigate life and disability insurance. We discuss what to consider when calculating a life insurance policy, and when group life insurance through an…

1
#137 Should Physicians Have a Whole Life Policy? 25:52

23d ago25:52

25:52

As a young doc, it can seem like everyone has something to sell you. Many physicians can end up with a whole life policy that they don’t actually need, and that policy can have a loan against it without you really knowing what’s happening. Nate Reineke and Chelsea Jones break down why these policies are often sold in the first place, how the loans …

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#136 Municipal Bonds: Physician Brokerage Account Superhero or Just Another Asset? 25:01

1M ago25:01

25:01

Have you ever been told to keep municipal bonds, instead of corporate bonds, in your brokerage account? You may think that there isn’t that big of a difference… after all, they’re both bonds. Nate Reineke and Kyle Hoelzle break down the advantages municipal bonds may provide for doctors like you and why they can help your diversification. We also a…

1
#135 W-2 or 1099: Are the Tax Savings Actually Worth It for Doctors? 23:43

1M ago23:43

23:43

Starting a new job always brings changes and new opportunities. For some docs, it may bring the question if being a 1099 contractor will create tax savings or a headache? Nate Reineke breaks down what you should consider if you are deciding between being a W-2 employee or a 1099 contractor. We discuss how things like benefits and employer costs sho…

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#134 PSLF: History, Changes, and Where the Program Stands Now for Physicians 37:39

2M ago37:39

37:39

Old IBR, New IBR, PAYE, REPAYE, RAP, it may seem like a fruit salad of letters. In reality, these are just some of the payment plans doctors have used on their quest to PSLF. It can be confusing, especially in recent years, to understand what plan is best for you. Listen in as Nate Reineke breaks down the history of PSLF, the chaos and uncertainty …

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#133 Dependent Care FSA: Time Suck or Tax Saver for Doctors? 21:26

2M ago21:26

21:26

There are a thousand opinions out there on how to raise kids, but the one thing everyone can agree on is that raising kids is expensive. Luckily, there’s a way that doctors like you can save on taxes and use pretax dollars to pay for childcare. Nate Reineke breaks down how a dependent care FSA can be used to pay for daycare or nannies and how it he…

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#132 Should Physicians Own AI Stock? 31:58

2M ago31:58

31:58

Before Amazon was Amazon, some people took a huge risk and bought stock in the company. Luckily, that risk paid off for them! Now, history is repeating itself with some AI stocks where they could be the next Amazon, or they could completely fail. So, how should physicians who want to invest in AI take an appropriate level of risk? Nate Renieke and …

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#131 Physicians' Guide to Disability Insurance with Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF 38:18

3M ago38:18

38:18

Disability insurance may feel like just another thing physicians have to figure out. Like a retirement account, your employer may offer a plan, but that is almost never enough to cover your bases. Nate Reineke and Ben Utley are joined by Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF (or Larry to us). From his New York office, he’s been working…

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#130 Retirement Spending Done Right: What Should Physicians Spend First? 31:38

3M ago31:38

31:38

You’ve planned, you’ve saved, and finally, you've retired. Now it’s time to spend what you’ve saved and enjoy all the retirement vacations you’ve been planning. Listen in as Nate Reineke and Chelsea Jones dive into when you should start proactive backdoor Roth conversions and what accounts you should withdraw from first. We also break down what app…

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#129 Will a Summer Splurge Spoil Physicians' Savings Plans? 35:42

3M ago35:42

35:42

Summer means vacations, and vacations can lead to splurges. While following a plan is important, the occasional splurge is inevitable, even for the pros. Listen in as Nate Reineke, Chelsea Jones, and Kyle Hoelzle reveal their recent splurges and give some ideas on what extra cash can be used for. They also break down steps physicians can take to pr…

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#128 Physicians’ Investment Sundae: Minor IRAs, Form 8606 & Other Common Investing Missteps 37:13

3M ago37:13

37:13

Summer is a great time to teach kids about finances by running a lemonade stand or selling ice cream at the park. However, if you try to teach them too much, kids will miss some of the important stuff. Physicians are no different and can miss some vital elements when it comes to investing. Listen in as Nate Reineke and Kyle Hoelzle break down some …

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#127 A Physician Parent’s Guide to College Admissions with Lorry Krone, M.A., C.A.C 36:43

3M ago36:43

36:43

As a physician parent, you went through more school than the average Joe. You may think you know the system but college admissions is constantly evolving. Listen in as Nate Reineke and Ben Utley are joined by Lorry Krone, M.A., C.A.C, a certified college admissions counselor. From the San Francisco Bay Area, Lorry helps students from across the cou…

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#126 One (More) Big Beautiful Episode with Ken Eremita, CPA 30:00

3M ago30:00

30:00

The One Big Beautiful Bill remains long and confusing. Some people think that the new tax laws are barking mad, while others are wagging their tails with delight. Listen in as Ben and Nate are joined by Ken Eremita, CPA and his dogs. From his Los Angeles office, Ken breaks down what SALT deductions are and how the changes could result in big tax sa…

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#125 Should Physicians Bother with a Backdoor Roth Right Before Retirement? 23:23

4M ago23:23

23:23

Finally being ready to retire is a huge milestone. It takes years of planning and hard work. There is nothing worse than feeling like you missed something in all that preparation. Listen in as Ben Utley and Nate Reineke break down whether it is worth it to open a new backdoor Roth account right before retirement. We discuss the factors to consider …

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#124 One Big Beautiful Episode: What Physicians Need to Know About the New Budget Bill 29:45

4M ago29:45

29:45

Whether you are excited about the budget bill that just passed, or it causes you to be SALTy, we can all agree it’s big, with 870 pages, and it’s confusing. Listen in as Nate Reineke and Chelsea Jones dive into some of the changes this new bill brings and what those changes mean for physicians like you. From SALT deductions to PSLF to the Trump Sav…

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#123: Tax Saving Strategies for Physician Parents with Ken Eremita, CPA 29:02

4M ago29:02

29:02

Even as a physician mom or dad, the thought of taking your kid to the ED can be scary. Lots of docs, especially self-employed docs, also dread the idea of taking on the IRS alone. If that's you, listen in as Nate Reineke and Ben Utley discuss tax strategies with Ken Eremita, CPA. From his office in Los Angeles, Ken offers tax planning, preparation,…

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Kevin M.D Featuring Ben Utley: How Physicians Can Find True Happiness Beyond Wealth 18:20

5M ago18:20

18:20

Happy 4th of July! Summer vacation is in full swing, but that doesn’t mean financial planning is taking time off. Even though Ben and Nate are taking a much-deserved break, podcasts can’t miss a week. This week is a special episode of Physician Family Finances. It features the guest appearance Ben Utley made on Kevin M.D. In this episode, Ben and K…

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Should physicians hire their spouses? Fishy or fine? 28:58

5M ago28:58

28:58

Some tax strategies are fishier than others. This week, you’ll hear about how things are going with Nate and his son’s development as a fisherman, and we’ll also tackle a somewhat fishy 401(k) question: can you, or SHOULD you, hire your spouse for your 401(k)? Like a fresh-caught fish, it’s a slippery question with a tricky answer. You can also cat…

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Father’s Day Finances: Teaching the Value of Money and Hard Work to Physician Kids 37:45

5M ago37:45

37:45

To a child, a father is often their first hero and is always one of their first teachers. Parenting doesn’t come with an instruction manual or a training period, so it can be easy to feel like you’re flying, or rather parenting, blind. In this special Father’s Day episode, Nate Reineke and Kyle Hoelzle chat about how they are raising their kids to …

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Probate & Protection: Christine Roberts, J.D. on Physician Estate Planning 51:35

5M ago51:35

51:35

Paperwork is boring, and we all try to avoid it. While estate planning is a lot of paperwork, it is a crucial part of making sure your children and family are taken care of after you’re gone. Listen in as Nate Reineke and Ben Utley chat with special guest Christine Roberts, an estate planning attorney with a background in ERISA law and over 30 year…

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529 Saving Surprises: What Can Physicians Do With an Overflowing College Fund? 28:27

6M ago28:27

28:27

We all love it when something costs less than we think it will, especially something pricey like college. If you plan to send your kids to a private university and they go to a state school, what can you do with the extra money? Listen in as Nate Reineke and Ben Utley celebrate graduation season and break down the most effective ways to save for co…

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Exterminating Emergencies: How can Physicians cover unexpected expenses 29:39

6M ago29:39

29:39

Bug infestations are stressful. Having an established relationship with a “bug guy” helps exterminate that stress. All emergencies are more stressful when you try to handle them alone, but having a financial planner who enables you to understand where funds can come from helps decrease your stress. Listen in as Ben Utley and Nate Reineke discuss wh…

1
Fishing for Conversions: Physician Mistakes on Backdoor Roth Accounts 29:03

6M ago29:03

29:03

If fishing were easy, they’d call it catching. If backdoor Roths were easy, they’d call it a loophole. Listen in as Nate Reineke and Ben Utley answer a cumbersome backdoor Roth question from a physician who fears they made a mistake, but the answer may be simpler than anticipated. We also answer your colleagues' questions. Investing Now: A retired …

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From Scrubs to Shrubs: A Doctor’s Guide to Financing a Home 56:52

6M ago56:52

56:52

Buying a home is hard. As a physician, you want to make sure you get the best rate, use the right type of loan, and avoid the mistakes that drag out the process. Listen in as Ben Utley and Nate Reineke dissect the complex and confusing world of home buying with special guest and mortgage loan specialist Robert Hedges. Together, they answer your col…

1
Physicians, Flowers, and 403(b)s: A Mother’s Day Finance Chat 27:54

6M ago27:54

27:54

Let's be real here: You spent your first 20 years of life rolling your eyes at your mom's advice and the rest of your life realizing she was right. So right now, make sure you have a table reserved (or groceries bought) and flowers ready for Mother’s Day. Listen in as Ben Utley and Nate Reineke answer a tough listener question about whether the Rot…

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Doctor dad’s dilemma: Juggling Kids' Activities and Retirement Reality 23:38

7M ago23:38

23:38

Your kids are growing up fast. That means more activities to keep track of on top of all your other commitments. How can you juggle being there for your family and working enough to save for retirement? Listen in as Nate Reineke and Ben Utley provide some tips on how to keep all the balls in the air while still planning for the future. We also answ…

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Is tax-loss harvesting a bad idea for physician investors? 14:27

7M ago14:27

14:27

Influenza. It’s a word that sounds ominous when you don’t know what it means. To a physician like you, influenza is nothing more than the average flu, but to a patient, it may sound scary. Does tax-loss harvesting sound extreme or even dangerous to you? Listen in as Nate Reineke and Ben Utley explain what tax-loss harvesting is and how your colleag…

1
Market goes bananas: What should physicians do? 14:27

7M ago14:27

14:27

Bananas are cheap but not as cheap as they used to be and the price of almost everything else is going up faster than a monkey up a tree. Everything else but stock prices that is. We’ve gotten several questions from physicians like you essentially asking “What should we do?” Ben Utley breaks down questions about tariffs, taxes, the economy, markets…

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Right before retirement, what should physicians buy? 23:05

7M ago23:05

23:05

Spring has sprung just like the freshly assembled Adirondack chairs in Ben’s back yard. Fumbling around while constructing Costco lawn furniture is normal, Ben proves that, but, you don’t want to stumble around with your backdoor roth. You also don’t want to be caught off guard by big surprise expenses in retirement. Nate Reineke and Ben Utley brea…

1
Physicians ask: Does PSLF still work? 18:55

8M ago18:55

18:55

Things in the government are changing but, you already knew that, right? What you may not know is that public student loan forgiveness is still alive and well! Nate Reineke and Ben Utley discuss one pediatrician’s five year journey to student loan debt freedom. They also discuss the other listener questions below. A radiologist in Ohio asks if I sa…

1
Investing with a Deadline: What's a Doctor's Best Move? 33:19

8M ago33:19

33:19

Introduction: In this new episode, hosts Nate Reineke and Chelsea Jones tackle the crucial topic of investment strategies for physicians with deadlines, particularly when facing urgent financial goals such as buying a home or addressing student loans. They share insights on how to optimize investments while managing risk. Summary: Join Nate and Che…

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Physicians still confused about backdoor Roth basics 22:19

8M ago22:19

22:19

Introduction: In Episode, hosts Nate Reineke and Ben Utley delve into the complexities of the backdoor Roth IRA, a popular strategy for high-income earners. They address common misunderstandings and provide clarity on how to navigate potential pitfalls, such as the pro-rata rule. Summary: Join Nate and Ben as they explore the backdoor Roth IRA proc…

1
How much DO physicians spend ? And save ? 24:55

8M ago24:55

24:55

Introduction: In this episode, hosts Nate Reineke and Ben Utley dive into the often-asked question: How much do physicians actually spend and save? They explore spending patterns among doctors, discuss financial strategies for managing student loans, and examine the importance of striking a balance between work and family life. Summary: Nate and Be…

1
Becoming a Physician Mom Again in your 40's! Now what? 36:03

9M ago36:03

36:03

Introduction: Welcome to Physician Family Financial Advisors Podcast. In this episode, hosts Nate Reineke and Ben Utley address the joys and financial complexities of becoming a physician mom in your 40's, and what that means for your financial planning moving forward. Summary: Join Nate and Ben as they explore the financial considerations and stra…

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Physician forever home mortgage, why not pay points? 32:28

9M ago32:28

32:28

Episode Summary: In this episode Nate Reineke and Ben Utley discuss the nuances of mortgage options for physicians, specifically focusing on the decision to pay points. The hosts explore the implications of mortgage rates, the impact of short-term versus long-term holding periods, and how physicians can navigate the complexities of home financing. …

1
Physicians ask, "What if Trump…?" 28:09

9M ago28:09

28:09

Episode Summary: In this episode, Nate Reineke and Ben Utley discuss the potential financial implications for physicians in light of recent political changes, particularly focusing on the questions surrounding government policies and public service loan forgiveness (PSLF). They also address listener inquiries about financial planning for 2025, incl…

1
What Physicians Should Think About Funding Their 529 plan 26:45

9M ago26:45

26:45

Episode Summary: In this episode, Nate Reineke and Ben Utley discuss important considerations for physicians when funding their 529 plans. The hosts share insights from personal experiences, highlight the significance of effective savings strategies, and address listener questions related to college savings and financial planning. Key Takeaways: - …

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Turning Quarterly Physician Bonuses Into Monthly Savings 18:02

10M ago18:02

18:02

Episode Summary: In this episode, Nate Reineke and Ben Utley explore strategies for turning quarterly physician bonuses into effective monthly savings. They share insights into managing unexpected income and address listener questions about donor advised funds (DAFs), retirement planning, and the impact of health insurance on financial goals for ph…

1
What is the best college savings goal for doctors ? 34:51

10M ago34:51

34:51

Episode Summary: In this episode, Nate Reineke and Ben Utley explore the best college savings goals for doctors. They discuss strategies for saving effectively for education expenses and address listener questions about donor advised funds (DAFs), 529 accounts, retirement planning, and the overall financial implications for medical professionals an…

1
Can Donor Advised Funds Cut Doctors Taxes Twice ? 46:20

10M ago46:20

46:20

Summary: In this episode, Nate Reineke and Ben Utley explore how donor advised funds (DAFs) can provide significant tax benefits for physicians. They return from their holiday break to answer important listener questions about DAFs, 529 accounts, retirement savings strategies, and the implications of health insurance on financial planning for docto…

1
What will the biggest physician financial question be for 2025 25:22

10M ago25:22

25:22

Episode Summary: In this episode, Nate Reineke and Ben Utley explore what the biggest physician financial question will be for 2025. They kick off the new year by addressing listener questions about financial planning strategies, touching on important topics such as 529 accounts, target date funds versus robo-advisors, Medicare enrollment, and mort…

1
Cracking The Purpose Code with Jordan Grumet MD 37:13

10M ago37:13

37:13

Episode Summary: Join Nate Reineke and Ben Utley as they welcome Jordan Grumet, also known as Doc G, author of The Purpose Code and host of the Earn and Invest podcast. They discuss the vital connection between purpose and financial well-being, providing insights on navigating burnout and rediscovering joy in the medical profession. Guest Info: Jor…

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Interest Rates: What doctors need to know now 31:20

11M ago31:20

31:20

Episode Overview: In this episode, Ben Utley and Nate Reineke address the important topic of interest rates and how they might affect your financial decisions as a healthcare professional. They explore the potential impact on your investment portfolio and offer considerations for mortgage refinancing, aiming to provide insights that could be valuab…

1
How Much Crypto Should Doctors Own? 21:26

11M ago21:26

21:26

Episode Overview: In this episode, Ben Utley and Nate Reineke tackle the question of how much cryptocurrency is appropriate for doctors to own. They cover important considerations, such as the lack of inherent value in crypto compared to traditional investments like stocks and bonds. This episode also addresses a variety of financial topics relevan…

1
Can Physicians with Chronic Conditions Benefit from HSA? 22:14

12M ago22:14

22:14

Episode Overview: In this episode, Ben Utley and Nate Reineke address the question: Can Physicians with Chronic Conditions Benefit from HSAs? They tackle various financial inquiries from listeners, offering insights and advice crafted for physician families. The discussion covers topics such as the use of 529 funds, strategies for Roth IRA conversi…

1
Why should physicians own bonds? 38:27

12M ago38:27

38:27

Episode Overview: In this episode, Ben Utley and Nate Reineke discuss the often-overlooked topic of bonds and their role in a physician's investment portfolio. The conversation addresses a listener's question about the various types of bonds and how they could fit into a diversified investment strategy. Key Highlights: 1.Understanding Bonds: - Ben …

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Should physicians who plan to work as long as possible have an aggressive investment portfolio? 25:31

12M ago25:31

25:31

Episode Overview: In this episode, Ben Utley and Nate Reineke explore the complexities of maintaining an aggressive investment portfolio for physicians who might work well into their later years. The discussion addresses how long-term career goals could influence investment strategies, considering factors like risk tolerance, market conditions, and…

Podcasts Worth a Listen

W. Ben Utley Podcasts

Podcasts Worth a Listen

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