Happy Thursday! Here is your WealthKeel Weekly, or what we like to call "news you can use!"
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​What we read this week:

​The Best and Worst States for Doctors in 2026
​States continue to vary widely in how supportive they are for practicing medicine, with recent rankings highlighting sharp contrasts in income potential, competition, and working conditions. Based on an analysis of 19 factors, including physician pay adjusted for cost of living, hospitals per capita, and public hospital quality, states such as Montana, Indiana, and Louisiana rank among the most favorable places to practice in 2026. These states tend to offer stronger financial opportunities, lower competition for jobs, and a more manageable medical environment overall. By contrast, New York, New Jersey, and Rhode Island consistently rank among the most difficult states due to lower cost‑of‑living‑adjusted wages, higher competition, and more challenging practice environments.

The findings also underscore that compensation alone doesn’t determine quality of practice. Some states score highly for earnings but poorly for medical environment, while others excel in hospital quality or lower burnout but trail in opportunity. Experts emphasize considering factors such as dominance of health systems or insurers, long‑term job competitiveness, and institutional balance when choosing where to practice. The rankings highlight how geography can significantly shape everything from earning potential to professional autonomy, making location decisions a major factor in a physician’s long‑term satisfaction and career sustainability.

Source: thedo.osteopathic.org
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​The IRA Decision That Affects Your Kids
​When a spouse inherits an IRA, how they choose to handle that account can significantly affect how long your children later get tax‑deferred growth. Many couples name a spouse as the primary IRA beneficiary, assuming the account will eventually pass to their children. However, if the surviving spouse rolls the inherited IRA into their own IRA, as many do, the account then follows standard spousal IRA rules. When the spouse later dies, children generally must withdraw the full balance within 10 years, limiting long‑term tax‑deferred compounding and potentially increasing taxes during their highest‑earning years.

The outcome can differ depending on timing and beneficiary decisions. If the spouse dies before required minimum distributions begin, children may avoid annual withdrawals during the 10‑year window, but they still must empty the account by year ten. If the spouse dies after required withdrawals have started, children may also be required to take annual distributions in addition to meeting the 10‑year deadline. Just as critical is proper beneficiary designation: if the spouse fails to explicitly name the children after inheriting the IRA, default provisions set by the custodian may override the family’s intent. These rules highlight why IRA inheritance planning isn’t just about providing for a spouse - it directly shapes how efficiently wealth transfers to the next generation.

Source: Morningstar.com
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​New Research Reveals Why Coffee Has So Many Longevity Benefits
​Decades of research have linked coffee consumption with longer life and lower risk of chronic disease, but the biological “why” has remained unclear. New research now suggests that the benefits have little to do with caffeine and instead stem from coffee’s non‑caffeinated compounds activating a protective receptor in the body. Scientists found that several coffee polyphenols, including chlorogenic acid, caffeic acid, and ferulic acid, bind to and activate NR4A1, a nuclear receptor involved in regulating inflammation, metabolism, and cellular stress responses. When this receptor is activated, it helps shield the body from age‑related damage and chronic disease processes.

Activation of NR4A1 appears to trigger multiple pathways associated with longevity. These include suppressing inflammatory signaling, improving glucose and lipid metabolism, and supporting brain health - mechanisms that may explain coffee’s association with reduced rates of heart disease, type 2 diabetes, Parkinson’s disease, and dementia. Importantly, caffeine itself did not meaningfully activate this receptor, reinforcing that coffee’s health benefits come primarily from its plant‑based bioactive compounds, not its stimulant effect. The findings help explain why regular coffee consumption, especially when minimally sweetened or taken black, has consistently been linked to lower mortality in large population studies.

Source: mindbodygreen.com
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🧩 The WealthKeel Wordle! Click here → WK Wordle to play. The clue this week is: “A helpful tool for this puzzle.”
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A random note or thought for the week:

Market Snapshot This Week

Stocks pushed to fresh record highs this week (as of Wednesday) as oil prices pulled back on signs of progress toward easing Middle East tensions.

• S&P 500 and Nasdaq both hit new all-time closing highs on Tuesday.
• Dow climbed solidly as well.
• Tech and semiconductors led the charge, especially after strong earnings.

Big Highlight: AMD Crushed It - AMD reported strong Q1 results and gave upbeat guidance driven by booming AI/data center demand. The stock jumped sharply (by double digits in one session), lifting the entire chip sector. Data center revenue was up big — a clear win for the AI tailwind story.

Oil Watch: Prices spiked earlier on Iran-related tensions and Strait of Hormuz concerns, but eased this week on hopes for de-escalation and possible deals. Still elevated overall, which kept some pressure on broader sentiment.

Earnings season is in full swing with lots of solid reports helping support the rally despite the geopolitical noise. Markets are rewarding companies showing real growth, especially in tech/AI.

Big congrats to Zack Levine and his wife — they welcomed their first child over the weekend, a beautiful baby girl named Jane ❤️. Mom and daughter are both doing great, and the whole family is over the moon. Zack’s definitely going to have to step up his game this Mother’s Day! We’re so happy for the new parents and can’t wait to watch little Jane grow up as part of the WealthKeel family.

On Sunday, Ryker received his First Holy Communion. It was such a joyful and meaningful day for all of us. He looked dapper in his suit, and we celebrated afterward with our family— a fun lunch and a massive waterslide right here at the Chubb household. 🙏 We’re so proud of him and grateful for this special milestone.

A big shout-out to all the incredible moms who are part of the WealthKeel Family and to every WealthKeel Weekly reader celebrating today. I hope your Sunday is as special as you are. ❤️ You make everything better — thank you for all you do.

Have a wonderful rest of your week, and an awesome weekend! 😁
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Special Offers from Physician Cents:

• Need your Contract reviewed? Contact our good friend Kyle Claussen at Resolve. Use the code “PhysicianCents10” for 10% off!
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Have a great day,
Your WealthKeel Team
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​Disclosures​