<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[bryanjepson.com]]></title><description><![CDATA[bryanjepson.com]]></description><link>https://www.bryanjepson.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Sat, 11 Jul 2026 17:45:26 GMT</lastBuildDate><atom:link href="https://www.bryanjepson.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[When Your Child with Special Needs Turns 18: Guardianship, Power of Attorney, or Supported Decision-Making?]]></title><description><![CDATA[When your child turns 18, something important happens that many special needs families don't fully appreciate: your legal authority as a parent largely disappears. Even if you've spent your child's entire life making medical, educational, and financial decisions, those legal rights generally transfer to your child once they become an adult. For many young adults with disabilities, that transition creates an important planning question: Who has the legal authority to help make decisions when...]]></description><link>https://www.bryanjepson.com/post/special-needs-guardianship</link><guid isPermaLink="false">6a516a755c421b82021b01e8</guid><category><![CDATA[Special Needs Planning Insights]]></category><category><![CDATA[Guardianship & Legal Planning]]></category><pubDate>Fri, 10 Jul 2026 22:14:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_6650000c6a9745ceb63afe550bbdf45d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Should You Lend Money to Your Adult Children?]]></title><description><![CDATA[A recently widowed client asked me an important planning question, one that many parents eventually face. One of her sons was preparing to enter graduate school, and his 529 plan had been depleted during his undergraduate years. At the same time, she had just received life insurance proceeds following her spouse's death. Should she use some of that money to help pay for graduate school for her son instead of requiring him to take out federal student loans? And if so, should she give him the...]]></description><link>https://www.bryanjepson.com/post/should-you-lend-money-to-your-adult-children</link><guid isPermaLink="false">6a3c429fa6b1dcc288e399ef</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[General Personal Finance]]></category><pubDate>Wed, 24 Jun 2026 21:29:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_e158b6280d6e49069799b038487132fe~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[A Beginner's Guide to Government Benefits for Individuals with Disabilities]]></title><description><![CDATA[Introduction Managing life with a disability is challenging, whether it affects you, your child, your sibling, or someone else you love. For parents especially, each day can feel like a balancing act of therapies, school meetings, doctor's appointments, challenging behaviors, and sometimes simply learning how to communicate with your child in a way that helps them thrive. Looming over all of that are the bigger questions: How am I going to keep doing this for the rest of my life? How am I...]]></description><link>https://www.bryanjepson.com/post/a-beginner-s-guide-to-government-benefits-for-individuals-with-disabilities</link><guid isPermaLink="false">6a35b1ac217d21f7fb63ecd0</guid><category><![CDATA[Special Needs Planning Insights]]></category><category><![CDATA[Government Benefits]]></category><pubDate>Fri, 19 Jun 2026 21:38:36 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_2f64bb8b24f34ee1947cda5e413937c0~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Funding Your Special Needs Plan: How the Money Flows]]></title><description><![CDATA[Funding a special needs plan can feel overwhelming. There are a lot of moving parts: parent resources, government benefits, ABLE accounts, special needs trusts, and more. Many families know they should have these tools in place but are not entirely sure how they fit together. I like to think about special needs funding in terms of rivers and reservoirs. Rivers represent ongoing sources of income or services that flow in and flow back out as they are used. Reservoirs represent places where...]]></description><link>https://www.bryanjepson.com/post/funding-your-special-needs-plan-how-the-money-flows</link><guid isPermaLink="false">6a2acc488d10dcf6288d4fbe</guid><category><![CDATA[Special Needs Planning Insights]]></category><pubDate>Thu, 11 Jun 2026 16:54:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_caef5fdde7f548b8ac8472b6bd76a9b0~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[5 Signs You’re Ready for Your Second Shift (Even If You’re Not Ready to Call It Retirement)]]></title><description><![CDATA[Most physicians have their number in mind—their retirement number.  The amount that they have determined that their net worth must reach to sustain them for the rest of their lives.  Once they hit it, they assume that they will be ready to hang it up and call it a career. They may have come up with this number on their own, using a tool like the 4% rule, or perhaps a financial advisor has helped them with some more sophisticated planning.  Either way, the number becomes the goal.   It is what...]]></description><link>https://www.bryanjepson.com/post/5-signs-you-re-ready-for-your-second-shift-even-if-you-re-not-ready-to-call-it-retirement</link><guid isPermaLink="false">6a28a1fa579005354a9fc678</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Wed, 10 Jun 2026 02:10:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_0e3459ea47b44142a786151ece6d7943~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[How to Turn Your Health Savings Account Into Tax-Free Retirement Income]]></title><description><![CDATA[I recently had a client who is approaching an early retirement ask me about the best way to handle their health savings account moving forward before Medicare kicks in.  I thought it would be a useful and instructive blog post.  Health Savings Accounts (HSAs) can become one of the most tax-efficient tools available in early retirement and a potential source of future tax-free income. The Triple Tax Advantages of Health Savings Accounts HSAs are unique from a tax perspective.  They are the...]]></description><link>https://www.bryanjepson.com/post/how-to-turn-your-health-savings-account-into-tax-free-retirement-income</link><guid isPermaLink="false">6a18b2f88b50f46c29e0beba</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Tax Strategy]]></category><pubDate>Thu, 28 May 2026 21:40:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_6b05a83356164f2fb3877df27c255802~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[The 5 Conversations to Have With Your Partner Before Retirement, Career Change, or Any Major Life Transition]]></title><description><![CDATA[Transitions are rarely just financial decisions. Whether you are thinking about retirement, cutting back clinically, selling a business, changing careers, or stepping away from a role that has defined you for decades, the hardest part is often not the math. It is the conversations. Most major life transitions place stress on identity, relationships, routines, expectations, and communication long before they create financial problems. And yet many couples spend far more time discussing...]]></description><link>https://www.bryanjepson.com/post/the-5-conversations-before-retirement-career-change</link><guid isPermaLink="false">6a0dcc3596905735bfe6be71</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Wed, 20 May 2026 15:25:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_7a4b89bcadc24f2dbd12ca926f7fa207~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Special Needs Trusts Explained: What Every Parent Should Know]]></title><description><![CDATA[Special Needs Trusts Explained   If you are a parent of a special needs child, one question likely keeps you up at night:  “What will happen to them when I am no longer here to help?” Because this question creates so much anxiety, it is easy to set it aside and focus only on the day-to-day challenges that need our more immediate attention.  But the earlier you prepare for that inevitable transition, the less painful it becomes, for all of those involved.  Building a lifetime financial plan...]]></description><link>https://www.bryanjepson.com/post/special-needs-trusts-explained-what-every-parent-should-know</link><guid isPermaLink="false">6a08f0b40b9e4f37fd28905d</guid><category><![CDATA[Special Needs Planning Insights]]></category><category><![CDATA[Special Needs Trusts]]></category><pubDate>Sat, 16 May 2026 22:48:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_8b07bb0770834b62a53b7a4215b28f1d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[How much do I need to save to reach my retirement goal?]]></title><description><![CDATA[Defining your personal savings rate One of the most common questions I hear from physicians is simple: “How much do I actually need to save to retire?” The frustrating answer is usually some version of “it depends.” But that doesn’t help you decide whether your current lifestyle is sustainable or if you need to make changes. In this post, I’ll show you how to think about that question and give you a tool to calculate your own answer. First, some principles Everyone is different.  There is not...]]></description><link>https://www.bryanjepson.com/post/how-much-do-i-need-to-save-to-reach-my-retirement-goal</link><guid isPermaLink="false">6a01f946e8ad7aab1e5a01bf</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[General Personal Finance]]></category><pubDate>Mon, 11 May 2026 16:15:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_e7ed44b5e1b04994aec585d4f9a4db79~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[What is an ABLE account? And should I have one for my child with special needs?]]></title><description><![CDATA[What is an ABLE Account? Welcome to Special Needs Planning Insights, my new blog focused specifically on financial and life planning for families with special needs.  As a parent of two adult children with special needs myself, I understand firsthand the constant search for trusted information related to the needs of my child.  There are many stages to navigate, and each comes with important financial, legal, medical, and practical decisions.   You are planning not only for your own life, but...]]></description><link>https://www.bryanjepson.com/post/what-is-an-able-account</link><guid isPermaLink="false">69fb469c8a769b9e6e0034b8</guid><category><![CDATA[Special Needs Planning Insights]]></category><category><![CDATA[ABLE Accounts]]></category><pubDate>Wed, 06 May 2026 14:11:25 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_23a73216991e45c6a69716357a99da0a~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Three Foundational Financial Decisions for Physicians That Matter More Than Choosing the Right Index Fund ]]></title><description><![CDATA[Your dream house should not become the reason you lose financial freedom. Physicians tend to be detail-oriented and data-driven folks.  You have to be if you want to be a great clinician, surgeon, or medical researcher.  And, in my experience, that mindset often spills over into their investing style, especially for those who enjoy doing it themselves.  Paying attention to those details is important, absolutely.  It can save a lot of money over the long run.  But it is also surprising to me...]]></description><link>https://www.bryanjepson.com/post/three-foundational-financial-decisions-for-physicians</link><guid isPermaLink="false">69f47b618ca39cf305c5cea8</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Behavioral Finance]]></category><pubDate>Fri, 01 May 2026 10:43:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_3d769bad255242f4812b80142fc75772~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Real Estate Depreciation for Physicians:  Separating Tax Strategy from Sale Pitch]]></title><description><![CDATA[Of all the alternative investment options marketed to physicians, real estate probably gets the most traction.  And I understand why.  Doctors tend to have more discretionary income, even after maxing out their 401(k), and the smart ones are looking for ways to leverage that income for their futures, rather than just spending it on a fancier lifestyle.  Because of that draw, a whole industry has emerged—physician real estate investing.  And with any industry that involves money, there are...]]></description><link>https://www.bryanjepson.com/post/real-estate-depreciation-for-physicians-separating-tax-strategy-from-sale-pitch</link><guid isPermaLink="false">69e27f99c4c584cedb0856e2</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Tax Strategy]]></category><pubDate>Fri, 17 Apr 2026 19:10:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_6e172740fd5649d68ed16603fdaba39d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[The Best Retirement Plan for Physician Practice Owners: 401(k), SEP-IRA, or Cash Balance?]]></title><description><![CDATA[One of the most common questions I get from physician clients who own their own practice is simple? How can I reduce my tax bill? When your income climbs into the high six figures, taxes are no longer just a nuisance—they’re one of your largest expenses. And unlike W-2 physicians, small-business owners have significantly more control over how much they pay. One of the most powerful ways to reduce taxes, while simultaneously building long-term wealth, is through a well-designed retirement...]]></description><link>https://www.bryanjepson.com/post/the-best-retirement-plan-for-physician-practice-owners-401-k-sep-ira-or-cash-balance</link><guid isPermaLink="false">69d6916ba51db32c14c03059</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Practice Ownership]]></category><pubDate>Wed, 08 Apr 2026 18:00:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_5e202daefd46416d9ee722066e4573ce~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Are you ready for your second shift? Reflections on the physician retirement transition—identity, purpose, and what comes next]]></title><description><![CDATA[I recently wrote an article on Doximity.com about what I felt after the death of one of my medical school classmates.  He died of metastatic pancreatic cancer at the age of 58.  It forced me to pause and reflect on what is truly matters, starting with meaningful relationships, especially with those closest to us.  It was a stark reminder that despite our best planning, life does not always unfold that way we expect.  When that happens, we have the choice: succumb to our circumstances or pivot...]]></description><link>https://www.bryanjepson.com/post/are-you-ready-for-your-second-shift-reflections-on-the-physician-retirement-transition-identity-pu</link><guid isPermaLink="false">69bd4e709f47d1db502dcbd7</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Fri, 20 Mar 2026 14:05:28 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_3100c0a271564a92937ef2cd02220725~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Is Long-Term Care Insurance Worth It?The answer could be worth $5 million.]]></title><description><![CDATA[One of my clients asked me to review a proposal for long-term care insurance for him this past week, and the result was instructive.  I thought it would make a good post.  First let me start with a few points: Although I am not a fan, in general, of commission-based financial advising as a compensation model—I think the conflicts of interest are too strong to be truly fiduciary—, I have nothing against the people who work for insurance companies.  I think that most of them feel like they are...]]></description><link>https://www.bryanjepson.com/post/is-long-term-care-insurance-worth-it</link><guid isPermaLink="false">69aed06bf41d7389c2a388c6</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Mon, 09 Mar 2026 14:29:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_25e0c75181e045ae9804ae18b9200af6~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[The Last Shift: Gratitude, Anxiety, and the First Year Beyond Medicine]]></title><description><![CDATA[In my last blog post, I mentioned that I was on the precipice of retirement from medicine.  Well, a couple of weeks ago, I officially worked my last shift. My personal perspective on the transition is still fresh, perhaps still too fresh, but that may be precisely what makes it worth examining. So, let’s dive a little bit deeper into some thoughts as I look forward to the first post-medicine year.  Maybe I will revisit it a year later with the perspective of looking back.  It might be an...]]></description><link>https://www.bryanjepson.com/post/the-last-shift</link><guid isPermaLink="false">699a04db8133563068c491d8</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Sat, 21 Feb 2026 19:30:59 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_493c11266b1648819c02e12665265e00~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Three risks of retiring or transitioning from medicine that maybe you haven’t thought about.]]></title><description><![CDATA[Why leaving clinical medicine can amplify volatility — even if your math works. Sequence risk is typically framed as a retirement math problem. But it’s often a life-timing problem. The real danger isn’t just poor early returns — it’s when volatility collides with income reduction and identity shifts. Anyone familiar with me from my website, blog articles or podcast appearances knows that I am a second shifter.  "The Second Shift" is the name of a new podcast that I am co-hosting with my...]]></description><link>https://www.bryanjepson.com/post/sequence-risk-isn-t-just-about-retirement-it-s-about-career-transitions</link><guid isPermaLink="false">6987c17603c01be20d32e4de</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Sat, 07 Feb 2026 23:55:22 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_364ab7195a984217a9e4123256c3ef1b~mv2.png/v1/fit/w_1000,h_686,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Donor Advised Funds Explained: A Practical Guide to Tax-Efficient Charitable Giving]]></title><description><![CDATA[Donor Advised Funds: A smart tax strategy In my last post, I spoke about a great tax strategy for charitable giving called a Qualified Charitable Distribution, or QCD.  QCDs allow you to lower your Adjusted Gross Income (AGI) dollar for dollar and still take advantage of the standard deduction (or itemize if it makes sense) for further reduction of your tax bill.  The main problem with the QCD strategy is that it is available to a relatively small demographic:  charitably minded individuals...]]></description><link>https://www.bryanjepson.com/post/donor-advised-funds</link><guid isPermaLink="false">697d3ba8afd4a3da350da478</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Tax Strategy]]></category><pubDate>Fri, 30 Jan 2026 23:23:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_5d4bb455e5454f3a9d4a7ab85db8fc5c~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Qualified Charitable Distributions: One of the Most Overlooked Tax Strategies in Retirement]]></title><description><![CDATA[This week is Christmas, which feels like the perfect time to write a post about charitable giving. I recently worked with a retired client couple who were excellent candidates for a Qualified Charitable Distribution (QCD): are charitably minded, still have relatively high income (pension/social security/part-time employment), are required to take RMDs, and hold a meaningful balance in a traditional IRA. I introduced the concept to them and was able to save them thousands of dollars in taxes. ...]]></description><link>https://www.bryanjepson.com/post/qualified-charitable-distributions</link><guid isPermaLink="false">695060b4103da5c23b904504</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Tax Strategy]]></category><pubDate>Sat, 27 Dec 2025 23:01:38 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_8a01c5096d834aa7bf8a20c3a070ee90~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Asset Location After You Retire: What Changes and Why It Matters]]></title><description><![CDATA[When most of us think about saving for retirement, we often start with a net worth goal—a number generated perhaps by a formula like the 4% rule or financial planning software.  Once we hit that number, we figure, the work will be done.  So, we put our heads down and earn, save, and invest diligently to achieve our retirement goal.  These working years can also be called life’s accumulation phase.  Well, the reality is that life doesn’t stop at retirement, and neither do the financial...]]></description><link>https://www.bryanjepson.com/post/asset-location-after-you-retire-what-changes-and-why-it-matters</link><guid isPermaLink="false">6941e77f1879721f4338a5cc</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Wed, 17 Dec 2025 20:02:15 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_792ac29a52184d7bba91e076fdc5183d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item></channel></rss>