{"id":342582,"date":"2025-10-23T21:07:15","date_gmt":"2025-10-24T03:07:15","guid":{"rendered":"https:\/\/www.whitecoatinvestor.com\/invest\/"},"modified":"2025-10-23T21:07:15","modified_gmt":"2025-10-24T03:07:15","slug":"invest","status":"publish","type":"page","link":"https:\/\/www.whitecoatinvestor.com\/invest\/","title":{"rendered":"Investing for Physicians"},"content":{"rendered":"<section class=\"hero investing\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto hero-content text-center\">\n    <i class=\"ikon ikon-orange ikon-xxl ikon-invest mb-4\"><\/i><\/p>\n<h1>Investing<\/h1>\n<div class=\"headline-underscore mx-auto\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<p class=\"mb-3 mt-0\">\n     The most common question an investing novice will ask a financial advisor or experienced investor is, \u201cWhat should I invest in?\u201d While it seems a simple question, it is an attempt at shortcutting an involved process. Following the process leads to a good outcome. Shortcutting it is likely to lead to investing disaster. The process is as follows:\n    <\/p>\n<ol>\n<li>Set financial goals.<\/li>\n<li>Determine the amount to save toward each of those goals.<\/li>\n<li>Determine what types of accounts will be used for each goal.<\/li>\n<li>Determine an appropriate asset allocation for each goal.<\/li>\n<li>Select investments according to the asset allocation.<\/li>\n<\/ol>\n<div class=\"text-center mt-4 mb-5\">\n     <iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/QTgC5QrVcjk?si=JHuUiquOj_TjDg5X\"  class=\"youtube-container\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n    <\/div>\n<h2 class=\"text-darkblue\">White Coat Investor Investing Principles<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">\n     WCI has created rock-solid philosophies around investing since beginning the site in 2011; here\u2019s a summary of those principles.\n    <\/p>\n<ul class=\"bullets mb-0\">\n<li>Past performance does not guarantee future performance<\/li>\n<li>Limit speculation with your investments<\/li>\n<li>Diversify your investment portfolio<\/li>\n<li>Use retirement investment accounts<\/li>\n<li>Invest when you get the money<\/li>\n<li>Have a good reason to not use an index fund<\/li>\n<li>Stop playing when you've won the game<\/li>\n<li>Don't mix investing and insurance<\/li>\n<li class=\"mb-0\">Add new asset classes to portfolio carefully<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">DIY Investor or Hire a Financial Advisor?<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">\n     Many investors, including a sizeable majority of doctors, do not have the interest, knowledge, or discipline to successfully design their own investing plan or manage their own investments. While a person intelligent enough to get into medical school can develop the ability to successfully manage their own investments, they still need to develop enough interest in doing so to be successful. Like with medicine, a commitment to at least a low level of life-long learning is required. In addition, you will need to do some upfront learning that consists of reading, at a minimum, a handful of good investing books.<\/p>\n<p>     In addition to some relatively easily acquired knowledge, you will also need to develop the discipline to stay the course with your plan, particularly in bear markets. Throughout his life, the late Jack Bogle, founder of mutual fund giant Vanguard, called \u201cstay the course\u201d the most important investment wisdom he could pass on. Selling low during market downturns, especially if done repeatedly or in the critical few years before or after retirement, can be a financial catastrophe just as serious as a divorce or an early career disability.\n    <\/p>\n<div class=\"text-center my-4\">\n     <iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/_YymdR_OGFc\" class=\"youtube-container\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n    <\/div>\n<p class=\"mt-3\">\n     If you are concerned you lack the required knowledge, the interest in obtaining it, and\/or the discipline to properly manage a portfolio over decades, you would be wise to hire the services of an advisor who offers good advice at a fair price. Many people who call themselves \u201cfinancial advisors\u201d are really just commissioned salespeople in disguise. They may specialize in selling insurance products, like whole life insurance or annuities, or perhaps investment products such as private REITs or loaded mutual funds. That is not the advisor you want. You want a \u201cfee-only\u201d advisor.\n    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"darkblue\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-12 text-center text-white\">\n<h2 class=\"text-white\">Take Control of Your Financial Life<\/h2>\n<div class=\"headline-underscore centered\"><\/div>\n<p class=\"my-4\">Enroll in WCI Financial Boot Camp, a FREE educational email series, and learn to convert your high income to wealth<\/p>\n<div class=\"ck-form-container\">\n     \t\t<div class=\"row wci-ck-signup justify-content-center\">\n\t\t\t<div class=\"col-lg-7\">\n\t\t\t\t<form id=\"wci-ck-form-5622578\" class=\"d-lg-flex\" data-sv-form=\"5622578\">\n\t\t\t\t\t<input name=\"email\" type=\"email\" id=\"wci-ck-form-email-5622578\" class=\"form-control d-block d-lg-inline-block flex-grow-1 mb-3 mb-lg-0 mx-auto mx-lg-2\" placeholder=\"Email Address\" \/>\n\t\t\t\t\t<input type=\"submit\" class=\"btn btn-primary mx-2\" style=\"white-space:nowrap;\" id=\"wci-ck-form-submit-5622578\" value=\"Start Here\" \/>\n\t\t\t\t<\/form>\n\t\t\t<\/div>\n\t\t<\/div>\n\n        <div class=\"wci-ck-signup thank-you\">\n            <h5 class=\"eyebrow\">You're all set!<\/h5>\n            <p>You can unsubscribe anytime using the link at the bottom of any email.<\/p>\n        <\/div>\n\n\t\t<script>\n            jQuery('#wci-ck-form-5622578').on('submit', (e) => {\n\t\t\t\te.preventDefault();\n                const email = jQuery('#wci-ck-form-email-5622578').val();\n                if(email && \/(.+)@(.+){2,}\\.(.+){2,}\/.test(email)){\n                    fetch('https:\/\/api.convertkit.com\/v3\/forms\/5622578\/subscribe', {\n                        method: \"POST\",\n                        headers: { \"Content-Type\": \"application\/json; charset=utf-8\" },\n                        body: JSON.stringify({ api_key: '0AMKyMtso2Lf2MgcoenhEg', email })\n                    })\n                    .then(response => response.json())\n                    .then(data => {\n                        jQuery('.wci-ck-signup').hide();\n                        jQuery('.wci-ck-signup.thank-you').show();\n                    })\n                    .catch(error => {\n                        alert('We were unable to subscribe you. Please try again later.');\n                    });\n                } else {\n                    alert('Please provide a valid email.');\n                }\n            });\n        <\/script>\n\n\t\n    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">Building Your Investment Portfolio<\/h2>\n<div class=\"headline-underscore mb-3\"><\/div>\n<p class=\"mt-3\">\n     Many beginning investors feel overwhelmed and don\u2019t know where to start when trying to design and implement their investment portfolio. They feel so helpless with this task that, in retrospect, always seems so easy that they run to a financial advisor for assistance. Unfortunately, some writers suggest as many as 93% of financial advisors are simply salespeople, and, so, many of these naive investors don't get started off on the right foot.<\/p>\n<p>     DIY investing can be overwhelming, but you\u2019ve got this. An important principle to remember when designing and implementing your investment portfolio is \u201cDon't Take Shortcuts.\u201d This may seem very basic, but it is frequently skipped, leading to numerous problems down the line in the process of portfolio design.<\/p>\n<p>     The process is simple, but it is critical that you take it in order.\n<\/p>\n<ol>\n<li>Set goals<\/li>\n<li>Develop an asset allocation<\/li>\n<li>Implement the asset allocation<\/li>\n<li>Maintain the plan<\/li>\n<\/ol>\n<p class=\"mt-3\">\n     Taking things one step at a time, you'll be prepared to design and implement a simple, yet sophisticated investment portfolio yourself\u2014or at least gain the skills and knowledge necessary to know when an advisor is \u201cselling you down the river.\u201d<\/p>\n<p>     Most doctors and high-income professionals aren\u2019t financial hobbyists. If given the choice, many would rather outsource all their financial chores to an advisor who would take care of everything for them for a reasonable price. The problem: many advisors charge too much for good advice, or they put you in assets that you don\u2019t want or need. Either way, high-income professionals 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.<\/p>\n<p>     If that\u2019s true for you, the Fire Your Financial Advisor courses is just what you need. You won\u2019t have to wade through dozens of books, scroll through hundreds of blog posts on dozens of blogs, or check in daily with online forums to try to gain a financial education. For one-tenth the price and half the time of hiring a professional financial planner, this course will take you from feeling anxious to having a written financial plan you can follow the rest of your investing career.<\/p>\n<p>     No more feeling clueless about personal finance and investing. No more wasting time and money on stuff that isn\u2019t making you happier. Let\u2019s get rid of your debt and start building wealth to eliminate financial stress from your life. It\u2019s time for you to become the \u201crich doctor\u201d that your family, friends, and patients already think you are. Then, you can focus on what you really care about\u2014your family, your patients, and making the world a better place than you found it.\n    <\/p>\n<div class=\"text-center mt-4\">\n     <a href=\"https:\/\/www.wcicourses.com\/p\/fyfa-attending\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/static.whitecoatinvestor.com\/images\/course-fyfa-attending.jpg\" class=\"col-10 col-lg-8 mx-auto\"><\/a><br \/>\n     <br \/>\n     <a href=\"https:\/\/www.wcicourses.com\/p\/fyfa-attending\" target=\"_blank\" class=\"btn btn-primary mt-3\">Learn More<\/a>\n    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">Developing a Plan<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">\n     Developing a written financial plan is an essential task for anyone interested in being financially successful. This will require you to determine your goals, measure your savings rate, assess the tax-advantaged accounts available to you, select investments, and minimize your investing costs. <\/p>\n<p>     The main goals to think about when developing a financial plan are: <\/p>\n<ol>\n<li><b>Formulate your goals:<\/b> Be as specific as possible, realizing that you\u2019ll make changes as the years go by. Examples of good goals include: 1) I want $40,000 for a home down payment by June 30, 2026; 2) I want to have enough money to pay the tuition at my alma mater in 13 years when my 5-year-old turns 18; 3) I want to have $2 million saved for retirement by Jan 1, 2035. Any goal is better than no goal, but the more specific and the more accurate you can be, the better.<\/li>\n<li><b>Set up a plan for each goal:<\/b> The plan consists of identifying what type of account you will use to save the money, choosing the amount you will put toward the goal each year, working out an asset allocation likely to reach the goal with the minimum risk necessary, and identifying a plan B for the goal in case the returns you\u2019re planning on don\u2019t materialize.<\/li>\n<\/ol>\n<p>     If you choose to use an advisor to assist you in this task, choose carefully and ensure you are getting good advice at a fair price.\n    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">Hiring the Right Financial Advisor<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n     If you want to use an advisor temporarily or for your entire life, there is no reason to feel guilty about it\u2014just make sure you are getting good advice at a fair price. We have a <a href=\"\/financial-advisors\/\" target=\"_blank\">list of vetted, recommended firms that offer good advice at a fair price<\/a>. <\/p>\n<p>     There are four main methods of paying for financial advice, and some advisors use two, three, or even all four methods. They are:<\/p>\n<ul class=\"bullets\">\n<li><b>Commissions:<\/b> The problem here is that the conflicts of interest are so large that even good people cannot withstand them for an entire career. The worst investment (and insurance) products carry the highest commissions, so the advisors have a big incentive to sell them to you. Paying for advice in this manner is not only likely to cause you to end up in high cost, poorly performing investments, but you are also likely to switch between them way too often, generating additional costs and lowering returns.<\/li>\n<li><b>Asset Under Management (AUM) fees:<\/b> If you\u2019re paying 1% to your advisor who\u2019s managing your $100,000 portfolio (that\u2019s a cost of $1,000 per year), that\u2019s probably not a bad deal. If you\u2019re paying 1% to manage a $1 million portfolio (that\u2019s a cost of $10,000 per year), you can probably live with it. But imagine paying 1% to manage a $20 million portfolio. That\u2019s a cost of $200,000.<\/li>\n<li><b>Annual retainer fees:<\/b> Paying a flat fee, especially if it\u2019s $15,000 or less per year, is a much better deal. Especially if you\u2019re getting good advice.<\/li>\n<li><b>Hourly fees:<\/b> You might have to pay $500 an hour, but if you\u2019re a person who\u2019s mostly comfortable putting your own financial plan in place but still want an advisor to do a double-check, this can be a good setup. <\/li>\n<\/ul>\n<div class=\"text-center my-4\">\n     <iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/rwIZl6PIkE8\" class=\"youtube-container\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"row\">\n<div class=\"col-lg-12\">\n<div class=\"orange-horizontal-divider my-5\"><\/div>\n<div class=\"eyebrow\">The WCI Podcast<\/div>\n<h2 class=\"text-darkblue\">Featured Episodes on Investing<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<div class=\"row\">\n     \t\t\t\t\t<div class=\"col-lg-4 mb-4 mb-lg-0\">\n\t\t\t\t\t\t<a href=\"\/common-sense-investing\"><div class=\"featured-podcast-thumbnail\" style=\"background-image:url('https:\/\/i.ytimg.com\/vi\/XPxswac9HvU\/sddefault.jpg');\" alt=\"Common Sense Investing with Rick Van Ness\"><\/div><\/a>\n\t\t\t\t\t\t<span class=\"text-blue\">March 31, 2022<\/span><br>\n\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/watch?v=XPxswac9HvU\" class=\"btn btn-sm btn-darkBlue-outline me-2 \" target=\"_blank\" title=\"Watch on YouTube\"><i class=\"ikon ikon-xxs ikon-watch-solid me-1\"><\/i>Watch<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/22609199\" class=\"btn btn-sm btn-darkBlue-outline \" target=\"_blank\"><i class=\"ikon ikon-xxs ikon-listen-solid me-1\"><\/i>Listen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 mb-4 mb-lg-0\">\n\t\t\t\t\t\t<a href=\"\/four-pillars-of-investing-bill-bernstein-md-podcast-107\"><div class=\"featured-podcast-thumbnail\" style=\"background-image:url('https:\/\/i.ytimg.com\/vi\/YNZtjKKq85w\/sddefault.jpg');\" alt=\"The Four Pillars of Investing with Bill Bernstein, MD\"><\/div><\/a>\n\t\t\t\t\t\t<span class=\"text-blue\">May 23, 2019<\/span><br>\n\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/watch?v=YNZtjKKq85w\" class=\"btn btn-sm btn-darkBlue-outline me-2 \" target=\"_blank\" title=\"Watch on YouTube\"><i class=\"ikon ikon-xxs ikon-watch-solid me-1\"><\/i>Watch<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/9833615\" class=\"btn btn-sm btn-darkBlue-outline \" target=\"_blank\"><i class=\"ikon ikon-xxs ikon-listen-solid me-1\"><\/i>Listen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 mb-4 mb-lg-0\">\n\t\t\t\t\t\t<a href=\"\/good-investing-is-boring-investing-podcast-34\"><div class=\"featured-podcast-thumbnail\" style=\"background-image:url('https:\/\/i.ytimg.com\/vi\/2RqWH7usyrg\/sddefault.jpg');\" alt=\"Good Investing Is Boring Investing\"><\/div><\/a>\n\t\t\t\t\t\t<span class=\"text-blue\">December 28, 2017<\/span><br>\n\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/watch?v=2RqWH7usyrg\" class=\"btn btn-sm btn-darkBlue-outline me-2 \" target=\"_blank\" title=\"Watch on YouTube\"><i class=\"ikon ikon-xxs ikon-watch-solid me-1\"><\/i>Watch<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/6080193\" class=\"btn btn-sm btn-darkBlue-outline \" target=\"_blank\"><i class=\"ikon ikon-xxs ikon-listen-solid me-1\"><\/i>Listen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n    <\/div>\n<div class=\"row mt-lg-3\">\n<div class=\"col-12\">\n      <a href=\"\/wci-podcast\" class=\"orange\"><\/p>\n<h4 class=\"d-inline\">See All <span class=\"total-podcast-count\">400+<\/span> Episodes<\/h4>\n<p><\/a>\n     <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">DIY Investors Resources<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n<ul class=\"link-list\">\n<li><a href=\"\/investing-101\/\">Beginners Guide to Investing<\/a><\/li>\n<li><a href=\"\/how-to-be-a-do-it-yourself-investor\/\">How to Manage Your Own Investments<\/a><\/li>\n<li><a href=\"\/how-to-build-investment-portfolio\/\">How to Build Your Investment Portfolio<\/a><\/li>\n<li><a href=\"\/8-reasons-you-should-be-your-own-advisor\/\">Should I Use a Financial Advisor or Do It Myself?<\/a><\/li>\n<li><a href=\"\/rebalancing-back-to-basics\/\">How to Rebalance Your Investment Portfolio<\/a><\/li>\n<li><a href=\"\/how-to-write-an-investing-personal-statement\/\">Write an Investment Personal Statement<\/a><\/li>\n<li><a href=\"\/asset-allocation-rules\/\">Rules for Asset Allocation Implementation<\/a><\/li>\n<li><a href=\"\/150-portfolios-better-than-yours\/\">150 Investment Portfolio Examples<\/a><\/li>\n<li><a href=\"\/how-to-open-a-brokerage-account\/'\">How to Open a Brokerage account<\/a><\/li>\n<li><a href=\"\/5-steps-to-help-physicians-choose-the-right-mutual-funds\/\">How to Choose the Right Mutual Fund<\/a><\/li>\n<li><a href=\"\/how-to-find-a-good-financial-advisor\/\">How to Choose a Financial Advisor<\/a><\/li>\n<li><a href=\"\/how-to-find-a-good-financial-advisor\/\">How to Find a Good Financial Advisor at a Fair Price<\/a><\/li>\n<\/ul>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n\n<section class=\"white learn\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-xxl-10 mx-auto text-center\">\n\t\t\t\t<h2 class=\"text-blue\">What Do You Want to Learn About?<\/h2>\n\t\t\t\t<div class=\"row justify-content-start justify-content-lg-center my-4 learn-icons row-cols-3 row-cols-md-4 row-cols-lg-5 row-cols-xl-auto g-4\">\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/invest\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-invest ikon-orange ikon-md\" alt=\"Invest\"><\/i><br>\n\t\t\t\t\t\t\tInvest\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/debt\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-coins ikon-orange ikon-md\" alt=\"Get Out of Debt\"><\/i><br>\n\t\t\t\t\t\t\tGet out<br>of Debt\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/budget\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-money ikon-orange ikon-md\" alt=\"Budget and Spending\"><\/i><br>\n\t\t\t\t\t\t\tBudget &<br>Spending\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/asset-protection\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-protect-money ikon-orange ikon-md\" alt=\"Asset Protection\"><\/i><br>\n\t\t\t\t\t\t\tAsset<br>Protection\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/home-buying\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-housing ikon-orange ikon-md\" alt=\"Buy a Home\"><\/i><br>\n\t\t\t\t\t\t\tBuy a<br>Home\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/retirement\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-retirement ikon-orange ikon-md\" alt=\"Retirement\"><\/i><br>\n\t\t\t\t\t\t\tRetirement\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/make-more-money\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-invest ikon-orange ikon-md\" alt=\"Make More $\"><\/i><br>\n\t\t\t\t\t\t\tMake<br>More $\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/reduce-taxes\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-tax-services ikon-orange ikon-md\" alt=\"Reduce Taxes\"><\/i><br>\n\t\t\t\t\t\t\tReduce<br>Taxes\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<h4 class=\"text-orange d-none d-lg-block\">Do You Need a Financial Professional? 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