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Dear Colleague, The Annual Meeting at Coeur d’Alene was an incredible success, and a wonderful time was had by everyone! Dr. Paul Collins planned an outstanding meet- ing. Dr. Payam Tabrizi and his Program Committee put together a great scientific program, with for the first time Rapid Fire Sessions. Concurrent sessions for Physician Assistants, organized by Kristi Posey PA, were included again this year in the pro- gram. The meeting covered the whole range of orthopaedic issues, as well as ongoing socio- economic issues. The industry luncheon presentations added to the experience, and free afternoons allowed for family fun time. This well-attended meeting included 272 Physicians, 38 Physician Assistants, and 172 other participants. It was a great meeting News Western Orthopaedic Association Pascual Dutton, MD; Paul M. Lichstein, MD and Calvin Schlepp, MD Reza Firoozabadi, MD, MA; Geoffrey Mare- cek, MD and Hamed Yazdanshenas, MD Edward Cheung, MD; Lauren Hackney, MD; Dustin Schuett, DO and Geoffrey Konopka, MD, MPH SAE credits necessary for your Maintenance of Certification program “MOC”, offered to I N S I D E Study Analyzes Medical Malpractice Allegations Against Orthopaedists p. 2 Valerae O. Lewis, MD Named Chair of Orthopaedic Oncology p. 3 Upcoming WOA Meetings p. 3 Meet WOA’s New Board Members p. 3 Recap of the 79th Annual Meeting p. 4 2015 Poster Award Winners p. 4 Congratulations to the 2015 Award Winners p. 4 Thank You Annual Meeting Grantors and Exhibitors p. 5 Money Matters p. 6 The Western Orthopaedic Association will present its next Annual Meeting September 28-October 1, 2016 at Renaissance Indian Wells Resort in Indian Wells, CA. The An- nual Meeting is one of the premier meetings for orthopaedists practicing in the West. The Scientific Program will be developed to present timely assessments of practice-relat- ed techniques and clinical research findings in orthopaedic surgery through accepted noteworthy papers. Nationally recognized speakers will also be invited to speak. We invite you to submit one or more ab- stracts for the meeting, as this is an excellent opportunity to present research to your Call for Abstracts that made the most of learning and personal time. Our WOA physician membership continues to grow, helping support our ac- tivities, especially our expanding research scholarship programs. We are very proud to support and honor our resident award winners. They brought cutting edge technology and assessments for all of us to benefit from their research. The award winners were: Jason H. Ghodasra, MD, MSCI Alexandra Stavrakis, MD Ryan Fader, MD Christopher Bui, MD peers. The submission deadline is March 14, 2016. Abstract applications may be submit- ted online through the WOA’s web site. Visit us at www.woa-assn.org and click on the “Submit Your Abstracts” link. We look forward to receiving your abstract(s) and seeing you in Indian Wells next year. Fall 2015 Volume 18 Number 1 President’s Message John Tongue, MD www.woa-assn.org 80th Annual Meeting September 28-October 1, 2016 Renaissance Indian Wells Resort Indian Wells, CA continued on page 2

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  • Dear Colleague,

    The Annual Meeting at Coeurd’Alene was an incrediblesuccess, and a wonderful timewas had by everyone! Dr.

    Paul Collins planned an outstanding meet-ing. Dr. Payam Tabrizi and his ProgramCommittee put together a great scientificprogram, with for the first time Rapid FireSessions. Concurrent sessions for PhysicianAssistants, organized by Kristi Posey PA,were included again this year in the pro-gram.

    The meeting covered the whole range oforthopaedic issues, as well as ongoing socio-economic issues. The industry luncheonpresentations added to the experience, andfree afternoons allowed for family fun time.This well-attended meeting included 272Physicians, 38 Physician Assistants, and 172other participants. It was a great meeting

    NewsWestern Orthopaedic Association

    Pascual Dutton, MD; Paul M. Lichstein, MDand Calvin Schlepp, MD

    Reza Firoozabadi, MD, MA; Geoffrey Mare-cek, MD and Hamed Yazdanshenas, MD

    Edward Cheung, MD; Lauren Hackney,MD; Dustin Schuett, DO and GeoffreyKonopka, MD, MPH

    SAE credits necessary for your Maintenanceof Certification program “MOC”, offered to

    I N S I D E

    Study Analyzes Medical MalpracticeAllegations Against Orthopaedists p. 2

    Valerae O. Lewis, MD NamedChair of Orthopaedic Oncology p. 3

    Upcoming WOA Meetings p. 3

    Meet WOA’s New Board Members p. 3

    Recap of the 79th Annual Meeting p. 4

    2015 Poster Award Winners p. 4

    Congratulations to the 2015Award Winners p. 4

    Thank You Annual MeetingGrantors and Exhibitors p. 5

    Money Matters p. 6

    The Western Orthopaedic Association willpresent its next Annual Meeting September28-October 1, 2016 at Renaissance IndianWells Resort in Indian Wells, CA. The An-nual Meeting is one of the premier meetingsfor orthopaedists practicing in the West.The Scientific Program will be developed topresent timely assessments of practice-relat-ed techniques and clinical research findingsin orthopaedic surgery through acceptednoteworthy papers. Nationally recognizedspeakers will also be invited to speak.

    We invite you to submit one or more ab-stracts for the meeting, as this is an excellentopportunity to present research to your

    Call for Abstracts

    that made the most of learning and personaltime. Our WOA physician membershipcontinues to grow, helping support our ac-tivities, especially our expanding researchscholarship programs.

    We are very proud to support and honorour resident award winners. They broughtcutting edge technology and assessmentsfor all of us to benefit from their research.The award winners were:

    Jason H. Ghodasra, MD, MSCI

    Alexandra Stavrakis, MD

    Ryan Fader, MD

    Christopher Bui, MD

    peers. The submission deadline is March 14,2016. Abstract applications may be submit-ted online through the WOA’s web site.Visit us at www.woa-assn.org and click onthe “Submit Your Abstracts” link.

    We look forward to receiving yourabstract(s) and seeing you in Indian Wellsnext year.

    Fall 2015 Volume 18 Number 1

    President’s MessageJohn Tongue, MD

    www.woa-assn.org

    80th Annual Meeting

    September 28-October 1, 2016Renaissance Indian Wells Resort

    Indian Wells, CA

    continued on page 2

  • Western Orthopaedic Association News

    2

    all members of the Western OrthopaedicAssociation, make ongoing certification aseasy as possible. We realize this can bedemanding, and participation in this pro-gram makes it as smooth as possible. Formore information go to the WOA web siteat www.woa-assn.org. Check it out!

    The 2016 WOA Annual Meeting will beheld in magnificent Indian Wells, CA Sep-tember 28 through October 1. I would liketo take this opportunity to extend to youand your family my personal invitation toattend. Take a look at the resort online:http://www.marriott.com/hotels/travel/pspsr-renaissance-indian-wells-resort-and-spa

    and put this on your calendar. ProgramChair, Robert A. Hart, MD, has alreadybeen hard at work organizing an in depthprogram that will make your educationalexperience as good as your personal andfamily time. There will be much moreinformation to follow on the WOA website.

    Nancy and I look forward to a successfulyear, and seeing everyone at the AnnualMeeting.

    Sincerely,

    John R. Tongue, MDWOA President

    President’s Message continued

    John R. Tongue, MD

    Robert R. Slater, Jr., MD

    Brian A. Jewett, MD

    Paul C. Collins, MD

    Basil R. Besh, MD

    Nitin N. Bhatia, MD

    Patrick J. Halpin, MD

    Jay R. Lieberman, MD

    Milton L. “Chip” Routt, Jr., MD

    Jonathan T. Bravman, MD

    David H. Chafey, III, MD

    Jeffrey E. Krygier, MD

    James Van den Bogaerde, MD

    Lawrence R. Housman, MD

    Bryan S. Moon, MD

    Robert A. Hart, MD

    WOA 2015-2016Board of Directors

    A national study to help orthopedists re-duce risks and make adjustments to en-hance patient safety by The DoctorsCompany, the nation’s largest physician-owned medical malpractice insurer re-viewed almost 1,900 closed claims againstorthopedists between 2007 and 2014. Thestudy found orthopedists are most com-monly sued for:

    ● Improper performance of surgery(alleged in 46% of claims)

    ● Improper management of surgicalpatient (alleged in 16% of claims)

    ● Diagnosis related (alleged in 13%of claims)

    In nearly a third of these closed claims,outside physician experts identified patientnon-compliance as a factor contributing topatient injury. Patient adherence was morelikely when there was good communicationbetween doctor and patient and/or familymember.

    There is no other group – not even CMS –that is analyzing more cases where therehave been claims of patient injury to deter-mine what are the factors that are causingdoctors not only to be sued, but also whatare the primary factors that are causinginjury to patients. Within the last year, TheDoctors Company also has released similarclosed claims studies in obstetrics, cardiolo-gy, emergency medicine and anesthesiolo-gy and will later be issuing reports on casesinvolving 1) hospitalists, and 2) internalmedicine.

    Regarding the ortho study, the good newsis The Doctors Company has reported adrop in the rate of claims filed against or-thopedic physicians (as measured by num-ber of claims annually per 100 full-timeequivalent physicians) over the past fiveyears. Part of this drop may be due toimproved communication skills and an in-creased commitment to transparencyamong these doctors.

    Study Analyzes Medical Malpractice AllegationsAgainst Orthopaedists

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    Upcoming WOA Meetings

    Meet The New Board Members

    Dr. David Chafey complet-ed his orthopaedic residen-cy at Baylor College ofMedicine in Houston, TX.

    He completed a fellowship in orthopaedictrauma at Sonoran Orthopaedic TraumaSurgeons in Scottsdale, AZ. Dr. Chafey alsocompleted a second fellowship in musculo-

    skeletal oncology at the University of Texas- MD Anderson Cancer Center. He current-ly works as faculty at the University of NewMexico. His clinical interests include limbsalvage, pelvic reconstruction, and meta-static disease to the bone. His hobbies in-clude mountain biking and snowboarding.

    David H. Chafey, III, MD

    Milton L. “Chip” Routt, Jr., MD

    Milton Lee (Chip) Routt, Jr.,MD is the Dr. Andrew R.Burgess Professor and En-dowed Chair in the Depart-

    ment of Orthopedic Surgery at TheUniversity of Texas Houston MedicalSchool, and works at Memorial HermannHospital.

    Chip is a native Texan from Chappell Hill,and graduated Summa Cum Laude fromTexas A&M University in 1980. After med-ical school at the University of Texas Med-ical Branch in Galveston, he completed ageneral surgery internship and orthopedicsurgery residency at Vanderbilt UniversityMedical Center. He was then selected for

    the orthopedic traumatology fellowship atthe University of Washington's HarborviewMedical Center, and was a full time facultymember there from 1989 through 2012.

    Dr. Routt has published over 100 scientificarticles and numerous book chapters, but isbest known as a tireless and devoted physi-cian-surgeon, and passionate teacher. Hehas received a variety of teaching awards,including orthopedic residents’ teachingawards at both the University of Washing-ton and University of Texas medicalschools, and the 2nd Annual Howard RosenTeaching Award. He was also awarded theJack McDaniels Travelling Fellowship.

    August 2-5, 2017Grand Hyatt Kauai Resort

    Koloa, Kauai, HI

    pediatric patient. She also happens to be thefirst woman to chair an orthopaedic depart-ment at a freestanding cancer center and inThe University of Texas System.

    Dr. Lewis joined MD Anderson in 2000. Sheled MD Anderson’s orthopaedic oncologyefforts since 2006, first as Section Chief adinterim and then as Section Chief since2008. She served as Department Chair adinterim since Sept. 1, 2014. For more than10 years, she also served on the orthopaedicfaculty at UTHealth and the Baylor Collegeof Medicine. Dr. Lewis was named holderof the Dr. John Murray Professorship inOrthopaedic Oncology in 2010.

    Internationally respected sur-geon and WOA Past Presi-dent, Valerae O. Lewis, MD,was named Chair of Ortho-paedic Oncology at The Uni-

    versity of Texas MD Anderson CancerCenter. Dr. Lewis has been a faculty mem-ber at MD Anderson for 15 years, serving ina variety of roles. The unit she will lead, theDepartment of Orthopaedic Oncology, is anew department at MD Anderson createdwithin the Division of Surgery in 2014.

    Dr. Lewis is best recognized for her exper-tise in the complex surgical management ofpelvic sarcoma and limb salvage for the

    Valerae Lewis, MD Named Chair of OrthopaedicOncology at MD Anderson

    Sept. 28 - Oct. 1, 2016Renaissance Indian Wells

    Indian Wells, CA

    Dr. Routt has directly mentored, educatedand hosted hundreds of practicing orthope-dic traumatologists in the USA and Canada,and visiting surgeons from across the globe.Nationally and internationally he is recog-nized for his work in pelvic and acetabularsurgery and education. He is a member ofthe Western Orthopedic Association,American Medical Association, AmericanAcademy of Orthopedic Surgeons, Ameri-can Orthopedic Association, OrthopedicTrauma Association, AO Alumni Associa-tion, as well as other national and regionalorganizations. Dr. Routt is board certifiedby the American Board of Orthopedic Sur-geons.

  • Western Orthopaedic Association News

    4

    Lloyd Taylor Award, Northwest-

    ern University Feinberg School of Medi-cine, Chicago, IL

    Vernon Thompson AwardUniversity of

    California Los Angeles, Los Angeles, CA

    Harold and Nancy Willingham AwardUniversity of Colorado

    School of Medicine, Denver, CO

    Sanford and Darlene Anzel AwardVA Long Beach,

    Long Beach, CA

    WOA/OREF Resident Award WinnersThe Taylor Collabora-

    tion, San Francisco, CA

    Stanford UniversityHospital and Clinics, Redwood City, CA

    Harborview MedicalCenter, Seattle, WA

    WOA Young Investigator Awards, Harborview

    Medical Center, Seattle, WA

    LA County - USCMedical Center, Los Angeles, CA

    University ofCalifornia at Los Angeles, Los Angeles, CA

    Congratulations to the 2015 Award WinnersCongratulations to the following 2015 WOA Award Recipients. The award winners were selected during the Annual Meeting in Idaho.

    Recap of the 79th Annual Meeting

    The 79th Annual Meeting was a great suc-cess, which included an outstanding scien-tific program. Program Chair Dr. PayamTabrizi along with the WOA ProgramCommittee did a wonderful job creating the2015 Scientific Program. Highlights includ-ed the inspirational Howard Steel GuestLecturer, Kevin Leman, PhD with histhought provoking “Making Sense of theMan or Woman in your Life”; the Presiden-tial Address by Paul C. Collins, MD “Docen-do Discimus (Teach In Order To Learn)”along with the History of WOA was veryinformative; and the fascinating presenta-tion by Presidential Guest Speaker DouglasW. Jackson, MD “The View From 30,000Feet.”

    The meeting kicked off with a relaxingcruise on the The Mish-an-Nock and Os-prey to the Event Center for the WelcomeReception overlooking tranquil Lake Coeurd’Alene while everyone had a chance tovisit with old friends and colleagues. Thefollowing evening began with the ExhibitorReception before everyone went out on

    their own to en-joy everything atthe fabulous Co-eur d’Alene Ho-tel. The meetingwas brought toan end with asunset view ofthe lake at thebeautiful FamilyGala DinnerDance.

    It was an extraordinary meeting and weexpress our thanks to all who attended. Ifyou missed the event, we encourage you toview the 2015 Coeur d’Alene pictures onthe WOA website (www.woa-assn.org) andsee what a great time it was.

    We look forward to seeing you next year atthe Renaissance Indian Wells Resort in In-dian Wells, California, September 28-Octo-ber 1, 2016.

    2015 Poster Award Winners

    Congratulations to the following PosterAward Recipients. The award winnerswere selected during the Annual Meeting.

    First PlaceUniversity of Cali-

    fornia at Los Angeles, Los Angeles, CA

    Second Place University of Cali-

    fornia, San Francisco, San Francisco, CA

    Third Place Naval Medical Center

    San Diego, San Diego, CA

    Universityof Texas at Houston, Houston, TX

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    Grantor & Exhibitor AcknowledgementsThe Western Orthopaedic Association would like to thank the grantors and exhibitors of the

    Western Orthopaedic Association’s 79th Annual Meeting. Without the unrestricted educationalsupport of the companies listed below, we would not have been able to provide this conference.

    PLATINUMMallinckrodt PharmaceuticalsPacira Pharmaceuticals, Inc.

    SILVERDePuy Synthes - Grantor

    Zimmer, Inc. - Grantor

    BRONZECeramTec Medical Products

    THINK Surgical

    COPPER

    ConvaTecEndo Pharmaceuticals

    Exactech, Inc.

    Smith & Nephew, Inc.Stryker Orthopaedics

    Stryker Performance Solutions

    3D Systems SimbionixProducts

    AAOSACIGI Relaxation

    AcumedBiocomposites, Inc.

    BioventusBlue Belt Technologies

    ConforMIS, Inc.Cubist Pharmaceuticals

    Esaote USAFerring Pharmaceuticals

    Harvest TechnologiesCorporation

    Integrity Rehab GroupInvuity

    MedPro GroupMedstrat, Inc.

    Medtronic Advanced EnergyMicroPort Orthopedic

    EXHIBITORSNextGen Healthcare

    OREFOrtho-Preferred

    Osiris Therapeutics, Inc.PeaceHealth

    Physician Direct ServicesProScan Reading Services

    QTC Management, Inc.Surgical Specialties

    Corporation

  • Western Orthopaedic Association News

    6

    Before you can understand why many strat-egies and services are not appropriate fordoctors, you must understand the dynamicof the “Average American,” for whom theseproducts and services are designed.

    Most legal, accounting, insurance and in-vestment strategies have been created for:

    1. The average American family whoseannual income tax liability is less than12%.

    2. The 98% of American families whowill never owe any estate taxes.

    3. An employee, not an employer, whowill likely never be sued and who has nocontrol over the choice of legal entity ortype of retirement vehicles the employerwill utilize.

    4. Someone whose income is based onproductivity, not government regulation.

    If the four statements above sound like yourlife, then “off the rack” planning at mostfirms is likely sufficient for your needs. Formany doctors, most if not all of these char-acteristics are not true.

    As authors of books and articles, we regu-larly interact with publishers, editors andtalk show hosts. Radio and television sta-tions, book & magazine publishers, and in-ternet content editors are looking forcontent for their “average” reader. In gener-al, they fear that providing content generat-ed for few high-income readers will“alienate” their average readers and the ad-vertisers who pay good money to reach aspecific audience. Practically, what thismeans for physicians is that many financialand legal advice you get from print andonline media and from large national firmsis generally not appropriate for physicians.

    Doctors who follow advice that is generatedfor the masses and doesn’t take into consid-

    eration their unique challenges should seethemselves as the patient who focuses onthe results of his own ten-minute internetsearch over the specialist’s educated diagno-sis based on decades of experience and theresults of a personal exam and test results.There is no profession with as large a set ofunique challenges as physicians face. Forthis reason, it is imperative that doctorslook for advisors who spend the majority oftheir time working with physicians. To takeit a step further, if you are a high liability orhigh income specialist, you will want towork with a team of advisors who are acute-ly aware of these additional challenges. Forexample, an obstetrician has a much greaterneed for asset protection than a pediatricianand a surgery center owner has much great-er tax challenges than a primary care doctor.

    Conventional Wisdom is Not YourFriend.In the beginning of the article, we pointedout what characteristics are common forU.S. taxpayers. Solutions that are widely-accepted in the media and by advisors aregenerally tools that work for these people.One hurdle that advisors who specialize inhelping high-income doctors face is the factthat the solutions we (as a group) espouseare appropriate for less than 1% of the fam-ilies in the country. For that reason, doctorswho insist on only implementing strategiesthey have heard over and over again in themedia and from their colleagues will missout on valuable opportunities. Once youembrace the fact that you are different andrequire “different” planning than yourneighbors, you will have taken one verysignificant step to significantly improvingyour financial situation.

    In the rest of this article, and in Part 2 ofthis article (which will be published nextmonth or can be requested via email [email protected]), we will share afew examples of common mistakes physi-

    cians make when listening to bad, but com-mon, advice. These include:

    Mistake #1 – “You Don’t Need a Corpora-tion for Your Medical Practice.”Despite what some CPAs may say, in mostcases the cost and aggravation of creatingand maintaining a corporation (or in manycases, two corporations for most medicalpractices) are insignificant relative to theasset protection and tax benefits corpora-tions offers physicians. With recent tax lawchanges and with many new proposals wewill see over the next year, the benefits willbe compounded. Though these corporatesolutions can reduce taxes by $5,000 to$50,000 per yearfor the doctor, these particular strategies areoutside the scope of this two-part article.

    Mistake #2 – Owning Assets In YourName, Spouse’s Name of Jointly withYour SpouseWe acknowledge that owning assets in yourown name or jointly with a spouse are themost common ownership structures for realestate and bank accounts. This is okay for95% of Americans.

    Hopefully, by now, you realize that you arenot in that common group. You have poten-tial lawsuit risk, probate fee liability, andestate tax risks that over 95% of the popula-tion do not have. That’s why, in most states,owning assets jointly can be a mistake.Something as simple as a living trust or alimited liability company can often solvethese problems.

    Mistake #3 – Making a QuestionableBet on Qualified Retirement Plans.This is perhaps the single most importantarea of planning for doctors to address oncethey understand that they are different.Typical retirement plans are great for rank-and-file employees because they force em-ployees to put away funds for retirement.

    Doctors Betrayed By Traditional Financial StrategiesDavid B. Mandell, JD, MBAH. Michael Lewellen, CFP

    Statements and opinions expressed in the advertisements and information regarding products or services herein are those of the author(s) and do not necessarily reflectthose of the Publisher or the Association. The Publisher and the Association do not assume any responsibility or liability for such material and do not endorse,guarantee or warrant any product or service advertised in this newsletter.

    continued on page 7

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    7

    Employers may match some percentage ofemployee contributions (which is free mon-ey for the employee). The investment growstax-free until funds are accessed in retire-ment (when the employee is living on mod-est Social Security and these retirementplan funds.

    As “the employer,” there is no “free money”for you as all the money that ends up inyour plan account was yours to begin with.In fact, you are responsible for those match-ing contributions so the retirement plandoes have some “friction” for you if youwant to make any reasonable contributionon your own behalf. On top of that, you willnot be living on $25,000 to $50,000 in re-tirement like your employees will. You willhave taxable investments, much larger re-tirement plan contributions and greater So-cial Security income (maybe). In any case,you will be paying very significant tax onyour retirement plan withdrawals. Do youthink that tax rates will be lower than theyare now when you retire?

    With rising costs for employees and a possi-bility that you may actually withdraw fundsfrom your retirement plans at a HIGHERtax rate than the one you received for theoriginal deduction, the real benefit of re-tirement plans comes into question. Whenyou add the potential costs and aggravationof complying with ERISA, Department ofLabor and tax laws surrounding retirementplans, AND the fact that any unused retire-ment plan balances will be taxed at rates upto 80% (see chapter on IRD in For DoctorsOnly book), you may find that retirementplans are not all they are cracked up to be.A growing trend among successful doctorsis to implement non-qualified planning al-

    ternatives instead of traditional retirementplans.

    Suggestion: Use a Better RetirementPlan to Support Your Retirement.Non-traditional planning can offer higherincome physicians opportunities to contrib-ute significantly larger annual contribu-tions. Whether you are using non-qualifiedplans, “hybrid” plans, fringe benefit plans oreven a tool primarily designed for risk man-agement benefits, like a captive insurancecompany, you could potentially enjoy taxbenefits up to $100,000 to $1,000,000 ormore annually. Most of these tools allowyou access to the funds before 59½, will notforce you to take withdrawals at age 70½ ifyou don’t need the money, and will not betaxed at rates up to 70% or 80% when youpass away. For these reasons, savvy doctorsutilize nontraditional plans more than tra-ditional retirement plans.

    Note: Non-qualified or “hybrid” plans varysignificantly in their design, their scope,and their applicability. Some plans workgreat for smaller practices with one or twopartners. Others work best in practices with3 to 20 partners. Still others may work bestfor the larger practices. To determine whichone is right for you, contact the authors fora free no-cost consultation offered to read-ers.

    This is the first of a two part article. Moretips on tax reduction and other elements offinancial planning that are specific to physi-cians and unnecessary for Average Ameri-cans will come in the subsequent part ofthis continuing article. The author wel-comes your questions. You can contact

    them at (877) 656-4362 or through theirwebsite www.ojmgroup.com.

    SPECIAL OFFERS: For a free (plus $10 S&H) hard-copy of

    , please call (877) 656-4362. If youwould like a free, shorter eBook version of

    , please download our “highlights” editionat www.fordoctorsonlyhighlights.com.

    David B. Mandell, JD, MBA, is an attorney, authorof five books for doctors, including

    and principal of the financial planning firm OJMGroup (www.ojmgroup.com), where H. Michael,CFP serves as Director of Financial Planning. Theycan be reached at (877) 656-4362 [email protected]

    Disclosure:OJM Group, LLC. (“OJM”) is an SEC registered in-vestment adviser with its principal place of businessin the State of Ohio. OJM and its representatives arein compliance with the current notice filing andregistration requirements imposed upon registeredinvestment advisers by those states in which OJMmaintains clients. OJM may only transact business inthose states in which it is registered, or qualifies foran exemption or exclusion from registration require-ments. For information pertaining to the registrationstatus of OJM, please contact OJM or refer to theInvestment Adviser Public Disclosure web site(www.adviserinfo.sec.gov).

    For additional information about OJM, includingfees and services, send for our disclosure brochure asset forth on Form ADV using the contact informa-tion herein. Please read the disclosure statementcarefully before you invest or send money. Thisarticle contains general information that is not suit-able for everyone. The information contained hereinshould not be construed as personalized legal or taxadvice. There is no guarantee that the views andopinions expressed in this article will be appropriatefor your particular circumstances. Tax law changesfrequently, accordingly information presented here-in is subject to change without notice. You shouldseek professional tax and legal advice before imple-menting any strategy discussed herein.

    Money Matters continued

    The Chapter Connection

    The 82nd Northern California Orthopaedic Society Annual Meeting will be held November 13 – 15, 2015 at the Carmel Valley Ranch Hotelin Carmel Valley, California.

    To view the registration brochure and the complete Clinical & Scientific Program, please visit the website at www.ncos.info or for moreinformation, contact Karmi A. Ferguson at [email protected] or call (707) 297-6576.

  • 110 West Rd, Suite 227Towson, MD 21204E-mail: [email protected]: www.woa-assn.org

    Member Incentive

    Refer and sponsor new memberand receive 1/2 off the registration

    fee for the next annual meeting.

    Refer and sponsor new mem-bers and the registration fee for the

    next meeting is waived.

    Do You Know a Qualified MD or DOOrthopaedic Colleague Who Is Not a WOA Member?

    Apply formembership

    online at

    or call

    and ask foran application.

    The Benefits of Being a Member:

    1. Self-Assessment Exam worth 10 CME creditstoward your Maintenance of Certification(MOC) requirements

    2. 24 FREE CME credits through the

    3. Eligibility to participate in Ortho–Preferred®, aprofessional liability insurance programexclusively for orthopaedic surgeons

    4. Meeting registration fee waived for new mem-bers’ first year

    5. Free subscription to the

    6. Annual meeting discount for members7. Substantial discounts to other regional society

    meetings8. Diverse annual meeting content9. Awards and scientific recognition

    10. WOA newsletter

    Completion of an accredited residency program and privileges topractice as an orthopaedist in a local hospital are the

    requirements for both MD and DO candidates.