The Advisor - December, 2014

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MD Preferred Services is the only comprehensive online resource center for doctors. Each year
MD Preferred identifies and promotes uniquely qualified, "doctor friendly", community based
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Mortgage Lenders, Insurance Agents, Accountants, Commercial Bankers, Financial Planners &
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MD PREFERRED PROVIDERS - NEW
FINANCIAL ADVISORS



Morgan Stanley – Orland Park, IL – Gary Watland
Blueprint Financial Planning – Shrewsbury, MA – Jeffrey Meenes

INSURANCE AGENTS


Westland Financial Services – San Diego, CA – Tim Morton

MORTGAGE LENDERS




Citizens Bank – Boston, MA – Jason Knee
Lake Michigan Credit Union – Detroit, MI – Matt Adler
Lake Michigan Credit Union – Bloomfield Township, MI – Emil Izrailov

REAL ESTATE AGENTS



Max Broock Realtors – Bloomfield Hills, MI – Melanie Bishop
BHGRE Metro Brokers – Atlanta, GA – Jeffrey Claeson

MD PREFERRED PROVIDER ANNIVERSARIES
FINANCIAL ADVISORS







Cox Wealth Management – Chattanooga, TN – Richard Cox
DreamCatcher Wealth Management – Wichita, KS – Stan Webb
Clear View Wealth Advisors – Burlington, MA – Steve Stanganelli
Ameriprise Financial Services – Boca Raton, Fl - David Katz
Provident Wealth Advisors – The Woodlands, TX – Daniel Goodwin
Dominion Wealth Management – Reston, VA – Trow Trowbridge















Estate & Tax Consultants – Lapeer, MI – Lonnie McLane
Wells Fargo Advisors – Port Jefferson, NY – Lawrence Miele
Harvest Financial Advisors – West Chester, OH – Marc Henn
Dougherty & Associates – Cincinnati, OH – Charlotte Dougherty
Adams Wealth Management Group – Centerville, OH – Dwayne Adams
Conscious Money Solutions – Amarillo, TX – Steve Swicegood
Carneros Capital Management – Napa, CA – Paul DeDora
Kolinsky Wealth Management – Woodcliff Lake, NJ – Jason Kolinsky
Womack Investment Advisers – Oklahoma City, OK – Greg Womack
Ogorek Wealth Management – Amherst, NY – Anthony Ogorek
The Doctor's Financial Resource – Albuquerque, NM – Travis Flandermeyer
Bartley Financial Advisors – Andover, MA – Robert Bartley
The Potter Financial Group – Durham, NC – Chip Roe

INSURANCE AGENTS



Palumbo Insurance Associates – Bel Air, MD – Tony Palumbo
Physicians Liability Consultants, LLC – Swarthmore, PA – Scott Ridge

MORTGAGE LENDERS


Fifth Third Bank – Cleveland, OH – Evan Estep

REAL ESTATE AGENTS



















Lyon Real Estate – Sacramento, CA – Stephen Haley
The Karen Marshall Group-Keller Williams Realty – Pittsburgh, PA – Karen Marshall
Keller Williams Capital Properties – Washington DC – Josette Skilling
Century 21 James Grant Realty – Dothan, AL – James Grant
Dick Adams Realtors – Bethlehem, PA – Dick Adams
Chris Baynes & Associates / Coldwell Banker – Wilmington, NC – Chris Baynes
Sampson California Realty – San Diego, CA – Marie Garber
JPS Realty Partners – Nashville, TN – James Spellman
Lusk and Associates - Sotheby's International – Lancaster, PA – Anne Lusk
ARC Realty – Birmingham, AL – Susan Frank Jones
Coldwell Banker – Westport, CT – Jeff Turner
Keller Williams – Summit, NJ – Hilary Gilles
Realty One Group – Scottsdale, AZ – Judy Hudek
RE/MAX 100 Bullock – Columbia, MD – Audrey Bullock
Realty Savings – Franklin, TN – Kim Poor
Keller Williams Classic Properties – Columbus, OH – Deb Goldach
Century 21 Jim White Associates – St. Petersburg, FL – Jill Helgren
Real Estate One- Ann Arbor, MI – Kirk Spangler

THE RECRUITER’S CORNER
Tips and Tools for Today’s Physician Recruiter
Here’s a touchy question regarding travel expenses for an
out of town interview. If I am being recruited by more than
one practice or hospital in a service area and one offers to
fly me in for an interview and pay all of my expenses
including air fare, hotel and meals, is it ethical to piggy
back an interview with the other company while I am in
town?
This is a question that physicians face more often than you
might expect. Most physicians are geography driven when
seeking a practice opportunity. Life style and family issues
are often as large a factor as clinical and compensation. So
it is not all that unusual for a physician to consider multiple
opportunities in the same service area.
To further complicate the situation there may sometimes be more than one recruiting agency involved in the job
search. The physician may also be exploring opportunities through personal networking and research as well. So,
what happens when an employer steps up to the plate and offers to pay for a site visit? Because most physicians
find it very difficult to balance an interview schedule with the demands of their current clinical responsibilities or
in the case of a graduating resident or fellow, their educational schedule, multiple interview trips to the same area
are not an ideal solution. Piggy backing interviews simply makes sense for everyone concerned.
Here is where the ethics of the situation come into play. Should the physician and their agent (s) inform all
potential employers of the pending visit and should all employers be asked to share the interview expenses? In
other words, do you sneak in the interview with other employers and let one employer pick up the tab? This may
sound like a complex situation but it really isn’t. And the answer is an easy one to state. Be honest; be candid;
inform all of the parties.
In-house recruiters and practice managers from a discrete service area have to live and work together as friendly
competitors. If they are smart, they will never do anything that could potentially alienate them from their
colleagues. There is too much at stake. Further, an employer is going to take a dim view of any physician who is
willing to behave in a less than ethical manner before an interview even takes place. A candidate’s ethics is a big
part of the interview puzzle.
It has been my experience that employers faced with a severe physician shortage and a highly qualified candidate
interested in practicing in their community are not going to quibble about half or a third of the cost of a site visit.
And they are not going to be surprised that a physician is considering multiple opportunities. In fact, they may be
more aggressive in their comp and benefits knowing that the competition is in the game.
Finally, don’t let a recruiting agent try to convince you that it is alright to squeeze a “freebie” into the visit. If
they make that suggestion, they are probably not the agent you should be associated with. One other point; it is
not unusual that the reason for your interest in a particular community relates to family connections. If you have
family in town and would like to extend your visit to spend time with them, be candid with the employers and ask
to schedule your return trip to accommodate family time. Of course this would apply to the flight schedule only
and not to covered lodging or meals.

PERSONAL FINANCE
Do your part in protecting your identity
Make it harder for someone to steal your personal information. But be prepared in case the worst
happens:
Do not sign the back of your credit cards. Instead, put PHOTO ID
REQUIRED.
When you are writing checks to pay on your credit card accounts, do not put
the complete account number on the Memo Line. Instead, just put the last
four numbers.
Put your work phone # on your checks instead of your home phone. If you
have a PO Box, use that instead of your home address. If you do not have a
PO Box, use your work address. Never have your SS# printed on your
checks.
Photocopy the complete contents of your wallet. Do both sides of each license, credit card, etc. You will know
what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the
photocopy in a safe place. When traveling abroad, carry a photocopy of your passport.
In case your wallet is lost or stolen here are some things you should do WITHIN HOURS of discovering the
loss:
Notify the credit card companies. The key here is having the toll free
numbers and your card numbers available. If you followed the above
procedure you will have a complete copy at your disposal.
Call the 3 national credit reporting organizations immediately to place a fraud
alert on your name and also call the Social Security fraud line number. The
alert will inform any company checking your credit that your information was
stolen. They will be required to contact you by phone to authorize new
credit.

Here are the numbers you will need:
Equifax: 1-800-525-6285
Experian (formerly TRW): 1-888-397-3742
Trans Union: 1-800-680 7289
Social Security Administration (fraud line): 1-800-269-0271
File a police report immediately in the jurisdiction where your credit cards, etc. were stolen. This proves to credit
providers you were diligent.
Print out these instructions and file them with your photo copied information.

REAL ESTATE
This is a Spin that I Just Can’t Sign Up For
To be clear, I am no fan of healthcare reform legislation. And one
of my greatest objections to the law is the host of “revenue
generators “that have been stuffed into this Trojan horse. Revenue
generators are Washington speak for taxes.
But to be fair (an alien concept for most politicians) there are some
false red flags that have been raised regarding one of the most
onerous of these hidden taxes. I’m referring to the 3.8% tax on the
net investment income of high-income taxpayers that went into
effect on January 1, 2013. For a detailed IRS description of the
statute visit http://www.irs.gov/uac/Affordable-Care-Act-Tax-Provisions-Home.
Legislators have cleverly labeled this particular section of the legislation “Unearned Income Medicare
Contribution.” The fact that this is a tax on all investment profits and other non-wage income that has absolutely
nothing to do with Medicare seems to have generated little concern with the drafters of the law.
The red flag that I have to challenge here is the rumor that this tax automatically applies to all home sales. It is a
clever rumor for those who oppose Obamacare on general principles. But it is more than a bit misleading.



First, the tax applies only to individuals with adjusted gross income of over $200,000 and couples over
$250,000. That would be about 5% of current tax payers.
Second, individuals who sell a personal residence can exclude $250,000 of the profit of the home sale (not
the gross sale price) and couples can exclude the first $500,000 of profit.

In the interest of avoiding the same type of dubious spin tactics that the chameleons in Congress use, let’s
acknowledge up front that very few Americans are going to find themselves sending Uncle Sam any of the
proceeds from the sale of their homes. However, some high net worth, high income physicians could still pay a
tax under some circumstances.






Let’s say that you and your spouse make more than $250,000 during the year.
Let’s say that you bought a house in 2001 for $300,000 and it has appreciated in value to $805,000 (good
luck).
Let’s say that you find someone that is willing to pay you that much for your dwelling (even better luck).
You will have made an unlikely profit of $505,000.
After your exclusion only $5,000 of that is taxable at 3.8%. You will send the government a check for the
grand total of $190.

In short, there are more than enough flaws in Obama Care that critics can justifiably decry without warning
people about something that just isn’t a significant part of the problem.

NEW HEALTHCARE OPPORTUNITIES
Provided by MedicalMatch.org
Hospitalist – Wyoming – Rekam Solutions
Hospitalist position for hospital is Northern Wyoming. Base pay is $240 K. Can work 24 hours or 12 hour shifts.
Set up your own schedule. Benefits, etc. Great working environment. No state income tax. Outdoor activities and
great schools.
Neurologists with stroke experience – Tulsa, OK – AIM Consultants
AIM Consultants is currently recruiting 2 Neurologists with stroke experience to join the Neurohospitalist
program at Hillcrest Medical Center, the flagship hospital of the Hillcrest HealthCare System, licensed for 691
beds and located in Tulsa, Oklahoma. We also have a new Neurology position in Oklahoma City!
Psychiatrist – Columbus, OH – OhioHealth
The OhioHealth Neuroscience Center at Riverside Methodist Hospital in Columbus, Ohio is seeking a full-time
BC/BE Psychiatrist with an interest and experience in neuropsychiatry.
Internal Medicine or Family Practice – Columbus, OH – OhioHealth
OhioHealth has an immediate, full-time opportunity for an Internal Medicine or Family Medicine Physician. Join
a team of experienced physicians in a very busy practice. The ideal candidate will be BC/BE in Internal Medicine
or Family Medicine and willing to work in an outpatient setting.
Interventional Pain Specialist – Florida – All Care Consultants
Established Rehab facility seeks full time interventional pain (neurologist, anesthesia, physiatrist, orthopedic
surgeon) physician for outpatient clinics. We have five established locations, and opening a sixth. We are looking
for a physician with good beside manners, strong diagnostic skills, and a team player. Our current clinicians
consist of general physiatrists, interventional pain physiatrist, neurology, primary care, and midlevel providers.
We are equipped with C-Arms, X-Ray, MRI, and technicians to assist physicians.
Non Interventional Cardiology – Indiana - McNerney Medical
Exceptional opportunity to join a well-established Cardiology team seeking to add a Non-Interventional
Cardiologist due to retirement. Weekend call 7 times per year. Enjoy practicing in a collegial environment and a
technologically advanced medical community. State of the art Level II Regional Trauma Center with Helipad.
Very competitive compensation and comprehensive benefits including signing bonus, loan repayment, generous
vacation, health benefits and more.

MD PREFERRED
PHYSICIAN CONSULTANTS
Dike Drummond MD is a Mayo trained Family Practice Physician with a unique
combination of ground level experience in medicine, coaching and personal and business
development.
Dike’s expertise in personal change was developed through a combination of 11 years as a
family practice doctor and 10 years as a business coach working with physicians and startup
entrepreneurs; he has also developed his own unique, interactive guided imagery practice.
“The burnout epidemic in physicians is a completely predictable result of their medical training and the generally
accepted definition of “success” amongst doctors. AND it is both a preventable and treatable condition.”
“These days the physicians are often the canary in the coal mine of medicine and that has to change. The most
successful healthcare organizations in the years ahead will be those who take excellent care of their providers
and staff. These hospitals and groups will understand that physician satisfaction is the only true foundation for
consistent patient satisfaction.”

Drawing on personal experiences on all sides of health care –as a patient, a physician, a
family caregiver, a business owner and an entrepreneur – Dr. Vicki Rackner helps
health care professionals thrive in the era of ObamaCare.
This former surgeon and nationally noted authority in the doctor-patient relationship helps
clients achieve the personal, professional and financial goals that drew them to a career in
medicine. She offers a bridge between the world of medicine and the world of business.
Dr. Rackner is regular quoted in the national media including CNN, The Wall Street Journal, USA Today, The
Washington Post, Reader’s Digest, Bottom Line Health, Woman’s Day, Real Simple and many others. She has
been interviewed on over 100 radio shows, including NPR, Martha Stewart Living and Health Talk.
The most recent book from this Chicken Soup author is Get More Patients Starting Today. This joins Caregiving
without Regrets, The Personal Health Journal and The Biggest Skeleton in the Medical Closet. Her most recent
book The New Medical Mindset: How Physicians Can Reinvent Themselves and Thrive in the Era of ObamaCare
is scheduled to be released in the spring of 2015.

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