What is a financial advisor?
A financial advisor has to be properly qualified with the appropriate security licenses, state licenses and/or professional designations. They have specific education, training, and experience in the financial services industry.

What should I look for when choosing a financial advisor?
You choose a financial advisor in the same way a patient chooses a doctor. Look for an advisor with experience and training with whom you also make a connection. Choose an advisor that specializes in your needs, puts your best interest first, and does excellent work. Choose an advisor with specific training and experience in the financial services industry. The financial advisor you choose should be licensed and able to provide good references.

A financial advisor is your partner in financial success, so you should also choose someone who respects your thoughts about money. Meet with any advisors you are considering establishing a relationship with to determine which of them might be a good match for you. The advisor you choose should give you ample time to discuss your needs and listen respectfully to your goals and concerns. Communicating information with clarity and simplicity is another hallmark of a good advisor.

What is a C.F.S.?
A Certified Fund Specialist (CFS) is a financial services professional who has completed additional education and training in the mutual fund industry. CFS is one of the oldest designation in the mutual find industry. When you choose an advisor with a CFS, you are choosing a financial service professional who has demonstrated in-depth knowledge and understanding of the products, trends, and research surrounding the mutual fund industry.

What is a R.F.C.?
The International Association of Registered Financial Consultants (IARFC), a non-profit professional credentialing organization of proven financial professionals, awards the Registered Financial Consultant (RFC) designation to those practitioners who are truly committed to ethical standards and continuous professional education. IARFC maintains strict compliance for its RFC designees. The seven hallmarks for RFCs include education, examination, ethics, experience, licensing, continued conduct, and continuing education.

What is a D.I.A.?
A DIA designation means that participants have acquired knowledge of the health care industry and the role of disability income insurance in protecting individuals from the financial losses that often attend serious physical injuries and other severe health afflictions. Upon completion of this course of study, students will understand the fundamentals of the health insurance industry, the role of disability insurance within the health care continuum, and recent disability trends. Students will also gain knowledge of both federal and state government disability programs, including Social Security Disability Insurance (SSDI) and state temporary disability income programs. Those achieving the designation will understand employer-sponsored disability programs ranging from sick leave benefits to long-term disability income plans, including their tax consequences and tax planning considerations. Students will also become aware of ways individuals can supplement government- and employer-sponsored programs through private disability income insurance. In addition, those completing the designation will gain insight into the role of disability income insurance in retirement, estate, and long-term care planning.

What are your credentials?
Michael Reiman, president of Reiman Financial, LLC, is a registered Certified Fund Specialist (CFS), Registered Financial Consultant (RFC) and a Disability Income Associate (DIA). He is licensed by the National Association of Securities Dealers; holds a state license and a property and casualty license.

What services do you provide?
Reiman Financial, LLC provides a full range of financial products and services to physicians in every stage of their careers, from residency to retirement. We can help you draft a financial plan, manage your student debt, choose and purchase insurance products, locate attorneys and other professionals that specialize in physicians' needs for your advisory team, evaluate and select retirement investment vehicles, guide you in asset protection and tax planning strategies, and review employment contracts. We offer a free initial consultation to help you determine which services are best for your needs and to demonstrate how we can help you meet your needs.

I'm still in my residency. Is it too early to start working with Reiman Financial, LLC?
No. It's never too early to start working with a financial advisor. As a matter of fact, the sooner you begin, the faster your wealth can begin to accumulate and your portfolio grows. Most people make the mistake of postponing financial planning and as a result they miss opportunities to grow and protect their money.

When should I begin working with Reiman Financial, LLC?
Call for a free consultation today. We'll determine what stage you're in and what life events you need to plan for. We'll also help you find gaps in insurance coverage, evaluate your benefits and investments, and create a road map for your financial future. The longer you wait to initiate a financial plan, the more vulnerable your assets may become. So whether you're just entering your residency or planning your retirement, the time to start is now.

When would I benefit from the services provided by Reiman Financial, LLC?
If you don't have a financial plan in place, you should begin now. If you have a plan in place, you should visit us once a year to determine if your goals are the same and if your plan is still helping you meet those goals. If you have had any major life changes such as a marriage, divorce, new baby, or new employment, then you should also schedule a consultation to revise your plan to accommodate these changing circumstances.

Can you review my employment contract?
Absolutely. Because we specialize in assisting physicians, we understand what's at stake during contract negotiation. A poorly negotiated contract could cost a physician thousands or even millions of dollars over the course of his career. Good contract review helps you identify areas of concern and negotiating tactics. A contract review is a solid way to put someone on your side during the negotiating process. Reiman Financial, LLC offers complimentary contract review to our clients. If you have received a contract or will receive one soon, contact us for your complimentary contract review.