Experts
    • Working with medical students in managing their student loan portfolios.
    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 with over 1500 medical students. 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 29 years straight by his medical students and was recently mentioned by the LCME Reaccreditation site visitors 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 go toward the funding of the student's outreach clinic and homeless shelters. He performs regularly with small professional choral ensembles in the Indianapolis area.

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

    Tom grew up in a medical family and joined Physicians Insurance at the MMS in 2011 after a diverse 30 year career including offshore oil  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 from 2016-2018. Since 2019  Tom has been involved in executive education at the Sloan School -MIT. 

    • 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.

    • Financial Literacy
    I teach students and employees how to ace their personal finances.
    I teach students and employees how to ace their personal finances.

    Shahar is an experienced educator, writer, and speaker who is skilled at simplifying the complex, sometimes intimidating world of personal finance.  He is passionate about guiding students and recent graduates on the path to financial wellness. He is especially attuned to the financial complexities of training and practicing physicians having seen the experiences that his wife, who recently completed a GI fellowship and is a new attending in Boston, faced.

    Shahar co-founded a popular personal financial management course at Harvard that he has taught for the past 10 years.  He has also had the privilege of working with students at Wharton, Columbia, NYU, University of Chicago, Johns Hopkins as well as lawyers at Skadden, Debevoise, Schulte Roth and employees at Doordash. As a contributing writer for Forbes, he regularly shares financial advice with millions of readers.  

    Shahar graduated Phi Beta Kappa from Cornell University with a BA in Economics and earned his MBA from Harvard Business School.  He proudly serves on the Board of Directors of the Harvard University Employees Credit Union.

  • I am a finance advocate for medical students and residents. I also am a residency and fellowship program financial wellness teacher. Professionally, I am a collaborative financial planner and tax professional for physicians.

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