When you get married, there’s an array of things that change for you and your spouse. You now address each other as husband and wife, you come home a little earlier from work to see your companion, and you spend time making plans for the future together. Additionally, maybe you have moved into your spouse’s apartment or home, or perhaps you are considering buying a new home together. No matter what your future plans look like, marriage will undoubtedly impact your finances. Below we have broken down five financial changes that newlyweds should be prepared for.

As you know, a disability can happen to anyone. According to the Council for Disability Awareness, 1 in 4 of today’s 20-year olds will become disabled before they retire. In addition, statistics show that 1 in 8 workers will be disabled for five years or more during their working careers. With statistics like these, it’s pretty hard to turn your back on disability insurance.

The truth is, having a disability will inhibit you from living your life the way you want to and from earning a living. As a physician, you have a high standard of living  and you want it to stay that way, which is why you’ve decided to buy disability insurance.   

Life insurance – you hear about it often, yet it still seems like a confusing topic. With so many products, solutions and varying opinions, it can be difficult to decide which type of life insurance will best suit your needs and protect your family if the unexpected happens. As a Texas physician, the two main types of life insurance you should familiarize yourself with are Term Life insurance and Permanent Life insurance. Below you will find must-know information regarding both types, in addition to each policy’s pros and cons. Keep this information handy when it comes times to purchase your policy.

On the mind of every Texas physician is the well-being of his or her family, especially regarding their health, health care and having the best coverage in place should it be needed. If you and your family are in need of health insurance but missed the open enrollment period window, which closed on January 1, 2016, know that not all hope is lost. You still have the opportunity to select a health insurance plan if you qualify under a series of life events. If one of these life events has occurred, you could enter a health insurance plan under a special enrollment period.