TOM MARTIN As a specialist for physicians, Tom has been privileged to provide training for physicians in some of the top academic programs and private practices around the country. It was through these efforts, and the prompting of numerous clients that Tom first dreamt of putting this material into an easy-to-explore format for physicians and their spouses. For his graduate work at the Institute of Personal Financial Planning at Kansas State University, Tom was inducted to the Phi Kappa Phi and Kappa Omicron Nu scholastic honor societies. He has also conducted training through the University