If you are looking to get your finances on track and thinking about hiring a financial advisor, this is for you. In this episode, we are joined by Ben Martinek, founder and lead advisor at Bona Fide Finance, to help you end the year strong and start the new year off right. We dive into the benefits of hiring a financial advisor, Ben and his team’s approach to financial planning, and how he integrates tax advisory and student loan management into his services. You will also learn about investment strategies, personalized financial advice, and guidance on making smart financial decisions as a physician. Plus, Ben shares practical end of year tips and advice for starting the new year right, highlighting the importance of having a plan, a strong mindset, and being resourceful when managing your finances.

[00:04:57] Wealthy Insight: Ben Martinek of Bona Fide Finance
[00:10:27] Ben Martinek’s Background as a Financial Advisor and His Planning Philosophy
[00:30:11] Navigating Student Loans: Repayment Strategies and Key Options to Consider
[00:34:07] Comprehensive Financial and Tax Planning for Physicians
[00:35:51] How Integrated Tax Services Strengthen Financial Planning
[00:41:13] Transparent Fee Structures and What Clients Can Expect
[00:49:21] End-of-Year Financial Planning Tips for High Earners

🎉 This episode is sponsored by Bona Fide Finance – Trusted financial advisors offering flat-fee, comprehensive planning to help you build wealth and financial security. Book a consultation at bonafidefinance.com/wealthmindedmd or email hello@bonafidefinance.com and tell them we sent you.

Got money questions you'd like us to tackle on our next segment of Wealthy Wonders? Visit our page to submit your query.

Be sure to go to our website to join the Wealthy Minds Community and download a FREE copy of our Wealthy Minds Blueprint.

Claim your debt freedom with our boot camp!

Don't forget to rate and review the show to help others discover us! When you do, you'll have a chance to win a free drink on us.

Wishing you a fantastic week ahead and happy wealth building!

 There are many mistakes that people make when contributing to their 401k or 4 0 3 B at their job. In this episode, find out what they are and how to avoid those pitfalls. We discuss the importance of contributing enough to get the full employer match, understanding Roth vs. traditional contributions, and ensuring your money is properly invested. Plus, hear about the significance of not cashing out when switching jobs, remembering old 401k accounts, and familiarizing yourself with vesting rules. Learn the implications of student loans on employer matching and highlight the changes introduced by the SE Secure 2.0 Act.

[00:07:42] 401k Mistakes to Avoid
[00:09:09] Understanding Employer Matches and Student Loans
[00:16:09] Investment Strategies for 401k and 403b
[00:20:35] Managing 401k When Switching Jobs
[00:23:56] Avoiding Temptation with 401k Transfers
[00:24:42] The Problem of Forgotten Retirement Accounts
[00:29:09] Understanding Roth vs. Traditional 401k
[00:35:13] The Importance of Vesting Rules

If you'd like deeper insight into one of the points Brittne mentioned, specifically the Secure Act 2.0 student loan retirement match, you can learn more here.

🎉 This episode is sponsored by Bona Fide Finance – Trusted financial advisors offering flat-fee, comprehensive planning to help you build wealth and financial security. Book a consultation at bonafidefinance.com/wealthmindedmd or email hello@bonafidefinance.com and tell them we sent you.

Got money questions you'd like us to tackle on our next segment of Wealthy Wonders? Visit our page to submit your query.

Be sure to go to our website to join the Wealthy Minds Community and download a FREE copy of our Wealthy Minds Blueprint.

Claim your debt freedom with our boot camp!

Don't forget to rate and review the show to help others discover us! When you do, you'll have a chance to win a free drink on us.

Wishing you a fantastic week ahead and happy wealth building!

We all make mistakes, and as we step into 2026, it’s the perfect time to leave the 2025 slip-ups behind. In this episode, we discuss Brittne's financial mistakes in 2025 to help you avoid similar pitfalls. From unused subscriptions, errors in negotiations, splitting dinner bills, overcommitting, to missing tax deadlines, the episode also touches on the importance of value-based spending, better accounting methods, setting boundaries, and the balancing act between work and personal life. Learn the significance of creating meaningful experiences over accumulating material goods. Tune in to learn from their experiences and gain actionable tips for your financial journey.

[00:06:27] Brittne’s Money Mistakes of 2025
[00:07:42] Unused Subscriptions
[00:16:05] Negotiation Mistakes
[00:20:20] Splitting the Bill Dilemma
[00:28:44] Finding a Balance in Commitments
[00:36:07] Tax Penalties and Better Accounting

🎉 This episode is sponsored by Bona Fide Finance – Trusted financial advisors offering flat-fee, comprehensive planning to help you build wealth and financial security. Book a consultation at bonafidefinance.com/wealthmindedmd or email hello@bonafidefinance.com and tell them we sent you.

Got money questions you'd like us to tackle on our next segment of Wealthy Wonders? Visit our page to submit your query.

Be sure to go to our website to join the Wealthy Minds Community and download a FREE copy of our Wealthy Minds Blueprint.

Claim your debt freedom with our boot camp!

Don't forget to rate and review the show to help others discover us! When you do, you'll have a chance to win a free drink on us.

Wishing you a fantastic week ahead and happy wealth building!