In this episode, we sit down with Dr. Manish Gharia, a distinguished dermatologist and Mohs micrographic surgeon, to discuss his fascinating journey through the world of medicine and beyond.
Dr. Gharia shares his experiences navigating various medical practice models, including private practice, academic medicine, and multidisciplinary group settings. We also delve into his strategies for achieving financial freedom, including his personal journey in real estate investment.
This episode is packed with valuable insights for physicians and medical professionals looking to gain control over their careers and finances.
In this episode, we sit down with Robert De Vita, a seasoned healthcare executive and policy leader with decades of experience shaping systems from the ground up. From launching health insurance cooperatives to teaching health leadership in MBA programs, Bob brings an insider’s perspective on what’s broken in the current system—and how we might fix it.
We explore:
• Why affordability and accessibility remain elusive in American health insurance
• Lessons from launching a federally backed cooperative health plan
• How policy, business models, and local innovation must align for real reform
• What the next generation of leaders needs to know about navigating healthcare systems
With past leadership roles at Common Ground Healthcare and Wheaton Franciscan, and advisory positions across academia and nonprofit boards, Bob offers pragmatic insights, combining a rare mix of executive wisdom and ground-level perspective.
In this episode, we sit down with Michael Johnson, founder of Michael Johnson Legal and a seasoned attorney with a background in business, insurance, and construction litigation. Since founding MJL in 2019, Michael has developed a specialty in reviewing and negotiating physician contracts—helping doctors across the country understand what they’re signing and how to protect themselves.
We dive into the key components of physician contracts, red flags to watch for, negotiation strategies, and why having a knowledgeable advocate in your corner can make all the difference. Whether you're signing your first job offer or renegotiating terms, this episode is a must-listen.
Learn more at michaeljohnsonlegal.com or follow Michael on Instagram @physiciancontracts.
In the final episode of our financial literacy series, Erik Kroll joins us once more to discuss the often-overlooked but critically important topic of insurance. We cover the fundamentals—health, disability, life, and liability insurance—and explain how each type fits into a strong financial plan.
Erik shares how to evaluate what coverage you actually need, what to watch out for in policies, and how insurance acts as a safety net for your financial goals.
To learn more or get in touch with Erik, visit hilltopfa.com.
In this episode, Erik Kroll returns to break down the fundamentals of credit scores—what they are, how they’re calculated, and why they can have such a significant impact on your financial life. From qualifying for loans to getting the best interest rates, we cover the real-world consequences of your credit profile and how to build and protect it over time.
Whether you're starting from scratch or trying to boost your score, this episode gives you the tools to take charge of your credit with confidence.
Connect with Erik or learn more at hilltopfa.com.
In this episode, Erik Kroll joins us once again to demystify the core building blocks of investing: stocks, bonds, and diversification.
We break down how each asset class works, the role they play in a portfolio, and why diversification is key to managing risk and building long-term wealth. Whether you're new to investing or looking to better understand what’s inside your retirement account, this episode offers a clear and practical introduction to making your money work for you. To learn more or connect with Erik, visit hilltopfa.com.
In this episode, Erik Kroll returns to unpack some of the most foundational—but often misunderstood—concepts in personal finance: compound interest, inflation, the time value of money, and opportunity cost. We explore how these forces quietly shape your financial future, why early investing pays off exponentially, and how to make smarter long-term decisions by understanding the real cost of every dollar and delay. If you've ever wondered why "starting early" matters or how inflation eats away at your savings, this episode delivers the clarity you need. Learn more about Erik or get in touch at hilltopfa.com.
In this episode, financial advisor Erik Kroll returns to discuss a topic often overlooked in medical training—the value of professional financial guidance. We explore the unique financial challenges physicians face, from delayed earning timelines to complex student loan structures, and how a skilled advisor can offer clarity, strategy, and long-term planning. Erik shares when and why physicians might consider working with a financial advisor, what to look for in a trustworthy partner, and how to make sure your advisor is working in your best interest. You can learn more or connect with Erik at hilltopfa.com.
In this episode, we welcome back Erik Kroll, founder of Hilltop Financial Advisors, to dive into one of the most pressing issues facing professionals today—debt. From student loans to credit cards, Erik walks us through practical strategies for managing debt, making smart repayment decisions, and avoiding common pitfalls.
Whether you're staring down six figures of student debt or just trying to stay ahead of monthly payments, this conversation is packed with tools and perspective to help you take control of your financial obligations with confidence.
Learn more about Erik and his work at hilltopfa.com.
In this kickoff episode, we sit down with Erik Kroll—founder of Hilltop Financial Advisors and a seasoned financial advisor specializing in investment strategy, student loan planning, and financial guidance for professionals, particularly in the medical field.
Erik breaks down the essential building blocks of a solid financial future: budgeting, emergency funds, and the basics of retirement planning. Whether you're just getting started or looking to tighten up your financial game, this episode offers practical, actionable insights to help you take control of your money and plan with purpose.
To learn more or get in touch with Erik, visit hilltopfa.com.