In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden talk through some scenarios where it is helpful to have thick skin! With finances (and especially investing), it won’t always be fun.

Investing Challenges and Suggestions:

· Investment accounts will very likely go down in value at some point and may stay down for a while. BUT to date, have grown substantially over time.

o $1,000 invested in the S&P 500 in 1960 would be worth close to $127,000 today. Without dividends reinvested and without taking into consideration inflation.

· This is uncomfortable! But the discomfort is part of it.

· Mentally prepare yourself for the rough patches.

· Try not to make knee-jerk reactions or make decisions emotionally.

· Diversification can potentially lessen some of the bumps in the road.

Investing is not for the faint of heart! Celebrate the wins but accept the likelihood that investment returns will not always be rosy.

For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Finity Group, LLC is a separate entity from LPL Financial.

Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.

This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Citations:

Lawrence of Arabia. Directed by David Lean, Columbia Pictures, 1962.

MacroMicro. MSCI Global Stock Market Index 12-month Returns (USD). https://en.macromicro.me/charts/93437/MSCI-Global-Stock-Market-Index-12month-Returns-USD.

Webster, Ian. Official Data Foundation. S&P 500: $100 in 1960 → $82,419.64 in 2026. https://taxfoundation.org/data/all/state/estate-inheritance-taxes/. WSJ Markets. US & Americas Stock Index. https://www.wsj.com/market-data/stocks/us/indexes.

Yahoo. S&P 500. Historical Data.

https://finance.yahoo.com/quote/%5EGSPC/history/?period1=-599875200&period2=31881600&interval=1wk&filter=history&frequency=1wk&includeAdjustedClose=trueS&P.