Experts
    Director, Office of Student Financial Services at Indiana University School of Medicine
    Director, Office of Student Financial Services at Indiana University School of Medicine

    Jose Rivera Espada is the director of financial aid at the Indiana University School of Medicine, a 9-campus allopathic medical school within the state of Indiana. His experience includes working at Butler University as an assistant director of financial aid and as a financial aid counselor at the Indiana University in Bloomington, IN. He has served on various committees at the Association of American Medical Colleges (AAMC) as well as within state and regional financial aid organizations. He speaks regularly on financing a medical education throughout the state of Indiana at colleges and universities. Additionally, he conducts financial planning workshops at medical school summer programs throughout the United States.  He earned his undergraduate degree from Indiana University and worked toward a master’s degree in music education before finding financial aid as a profession. His 30-plus years in the medical school financial aid field has revealed many financial literacy shortcomings among medical students. he has been voted as the most outstanding staff member for 25 years straight by his medical students and was recently mentioned by the LCME Reaccreditation site visiters as one of three bright spots at the medical school.  In 1992, he helped create the Evening of the Arts with a couple of medical schools that showcases medical student talents where the profits of the program goes toward the funding of the student's outreach clinic and homeless shelters. He performs regularly with small professional choral ensembles in the Indianapolis area.

    • Emergency Medicine
    • Founder and Editor, The White Coat Investor. Chair, Department of Emergency Medicine at Jordan Valley Medical Center
    James M. Dahle, MD, FACEP is a full-time, board-certified emergency physician who currently serves as the Emergency Medicine department chair at Jordan Valley Medical Center in West Jordan, UT. His education included undergraduate work in Molecular Biology at Brigham Young University, medical school at the University of Utah School of Medicine and residency training at the University of Arizona. He practiced medicine on four continents with the Air Force and Navy and previously served as an EMS medical director and an emergency department medical director. He has worked in various facilities including inner-city trauma centers, academic centers, and small community hospitals and is currently a partner in EPIC, the largest democratic group of Emergency Physicians in Utah. However, he is best known for his work as the founder and editor of The White Coat Investor website, the most widely visited, physician-specific personal finance and investing website in the world, with approximately 6 million pageviews per year. The site was founded in 2011 as Dahle realized the profound need for physician-specific financial education given the unique economic pressures on these dedicated professionals. In 2014 he authored the best-selling The White Coat Investor: A Doctor's Guide to Personal Finance and Investing, which has remained a number one seller in its Amazon categories for over two years. He remains dedicated to helping physicians and other high-income professionals get a "fair shake" on Wall Street.
    Financial Planner at Physician Wealth Services
    Financial Planner at Physician Wealth Services
    • Financial Planner at Physician Wealth Services

    Ryan is the founder of Physician Wealth Services, a flat fee-only financial life planning practice that works exclusively with physicians. As part of a physician family, Ryan knows the pains, struggles, and joys that come from a career in medicine. By offering physicians unbiased, quality financial advice, Physician Wealth Services seeks to provide clients with the financial literacy they didn’t receive despite decades in school.

    Ryan is also the host of the Financial Residency Podcast (financialresidency.com).

    • Speaker helping Physicians with the Transfer and Financing of Risk
    • Lecturer
    • Medical Professional Liability focus: Problem Solver
    Licensed Property, Casualty, Life, and Health Broker at Physicians Insurance Agency of Massachusetts- a subsidiary of the Massachusetts Medical Society
    Licensed Property, Casualty, Life, and Health Broker at Physicians Insurance Agency of Massachusetts- a subsidiary of the...
    • Licensed Property, Casualty, Life, and Health Broker at Physicians Insurance Agency of Massachusetts

    Tom grew up in a medical family and joined PIAM/MMS in 2011 after a diverse 30 year career including offshore  exploration, federal law enforcement, and commercial insurance roles. Since 2004 he has been involved primarily with the insurance needs of New England physicians from solo practitioners to multi-hospital health systems. Tom is a member of the Professional Liability Underwriters Society, and has been involved with MSHRM, HFMA and MA/RI MGMA. Over the past five years, Tom has regularly presented on Medical Malpractice topics including at UMASS and Tufts, and has been an Adjunct Clinical Assistant Professor at Bryant University School of Health Sciences since the 2016 term.

    • life insurance
    • Specialty Disability Insurance for Physicians
    • Financial Planning & Wealth Management for Physicians
    • Financial Planner | Investment Advisor at Baystate MD

    Seth Waltz has been working with physicians to help them better plan their personal finances since entering the industry in 2002.  He has worked exclusively with Baystate Financial since 2007 and has been an active member of the Baystate MD partnership program with the Massachusetts Medical Society since 2014.

    Seth's mission is to assist individual physicians and their families in defining their financial goals and achieving financial freedom. His goal is to become a lifelong resource to his clients, and is dedicated to assisting them through the various stages of their lives. At Baystate Financial, Seth is able to utilize the team approach and draw upon the wealth of knowledge of his colleagues to create custom financial strategies for his clients. As a Financial Planner, Seth's areas of concentration include investments, retirement and estate planning, specialty disability insurance for physicians, life insurance, and qualified/retirement plans for private practices.

    Seth an active member of the Financial Planning Association. He holds his CRPC through the College for Financial Planning which makes him a Cartered Retirement Planning Counselor. Seth earned his Bachelor's Degree from the Whittemore School of Business & Economics at the University of New Hampshire with a dual focus in Accounting and Finance. 

    As part of the Baystate MD team, Seth focuses his practice on medical students, residents and fellows, and young physicians. The Baystate Financial Medical Division * (Baystate MD) was created to specifically address the unique challenges that face physicians and medical practitioners in today's financial environment. We help medical practitioners at all stages of their careers plan for the financial future for themselves, their practice and their families.

    • Financial Advisor & Financial Services Representative at Baystate MD

    Successful people- those who stand to benefit the most from preparing for their financial future- usually have the least time to sit down today and do it. As a financial advisor, Claire Williams' mission is to help clients make informed financial decisions using sound strategies. 

    Claire dedicates her time to educating her clients and developing financial strategies. Her goal is to become a lifelong resource to her clients, and she is dedicated to assisting them through various stages of their financial lives. By utilizing support from experienced professionals, Claire is able to provide immediate and dedicated service to her clients.

    As part of the Baystate MD team- Claire Williams focuses her practice on medical students, residents and young physicians. The Baystate Financial Medical Division * (Baystate MD) was created to specifically address the unique challenges that face physicians and medical practitioners in today's financial environment. We help medical practitioners, at all stages of their careers, plan for the financial future for themselves, their practice and their families. 

    A graduate of James Madison University with a BA in Business management concentrating in technology, innovation, and entrepreneurship. Claire grew up in Newburyport, MA and currently lives in Boston's Back Bay.