Bona Fide Finance

Bona Fide Finance Our customized plans serve to guard your financial goals and life savings. in philosophy and classical languages, followed by a master’s degree in philosophy.

Bona Fide Finance is an independent, fee-only firm dedicated to helping doctors, young professionals, and growing families take control of their financial future. Ben Martinek, CFP®, EA, CSLP®, RICP®, is the founder and lead advisor at Bona Fide Finance, an independent, fee-only firm dedicated to helping doctors, young professionals, and growing families take control of their financial future. Wit

h a deep understanding of student loan debt—having tackled his own—Ben specializes in guiding clients through debt repayment strategies, smart investing, and comprehensive financial planning so they can build wealth with confidence. Ben’s passion for financial planning comes from his desire to provide honest, objective advice tailored to each client’s unique situation. He loves seeing the impact of his work, whether it’s helping a family pay off student loans years ahead of schedule, setting up an early retiree for financial freedom, or giving clients the peace that comes from knowing their finances are in order. His clients appreciate his thoughtful, high-touch approach, often saying that working with him has changed their lives. Before launching Bona Fide Finance in 2015, Ben’s career path was anything but conventional. The fourth of nine children, he grew up in rural Indiana and initially pursued a path in academia, earning a B.A. Along the way, he explored careers in construction and truck driving—logging over 600,000 miles across the U.S. with his wife, Deb—before finding his true calling in financial planning. At Bona Fide Finance, we know you work hard for your money. The name “Bona Fide Finance,” Latin for “in good faith,” is no accident. We do not know the future. Though many have tried mightily to penetrate this veil, all of us are limited in this regard. The best any of us can do, then, is be adequately prepared for the myriad options that may take place, keeping in mind at all times that as domesticated as our current living is, it still retains the element of “being wild.”

Thus, we seek to act in good faith, hoping for the best, but recognizing that we too are left alongside the client awaiting the unknown. At Bona Fide Finance, we accept that we cannot predict the future, but we also make the promise in good faith that each client will be best suited for what may come according to the standards of good finance and good sense. Schedule an introductory meeting by calling (701) 203-3219 or emailing [email protected].

➡️ Quick mid-year tax check: pull up your most recent paystub.Does your federal withholding reflect your current income,...
06/03/2026

➡️ Quick mid-year tax check: pull up your most recent paystub.

Does your federal withholding reflect your current income, or is it still based on what you earned last year? If you got married, had a child, changed jobs, or started earning side income, your tax situation changed too.

A 15-minute review now gives you six months to course-correct instead of scrambling in December (or facing a surprise bill in April).

At Bona Fide Finance, we build tax planning into your overall financial strategy so you won’t be caught off guard. Schedule a mid-year review: https://bonafidefinance.com/contact/

Finishing residency or fellowship this month? Congratulations!Your income is about to change significantly. Here's what ...
06/01/2026

Finishing residency or fellowship this month? Congratulations!

Your income is about to change significantly. Here's what to prioritize in your first 90 days as an attending:

1. Update your disability insurance to reflect your new income.

2. Build your emergency fund to cover 3-6 months of attending-level expenses.

3. Review your benefits package and confirm you understand your retirement options, HSA eligibility, and malpractice coverage.

4. Revisit your student loan strategy now that your income has changed.

Addressing these now can help prevent small oversights from becoming expensive problems later.

At Bona Fide Finance, we guide new attending physicians through this transition so nothing gets missed.

Spring and summer bring a shift in spending that many physicians don't notice until it's too late.Vacations, dining out ...
05/29/2026

Spring and summer bring a shift in spending that many physicians don't notice until it's too late.

Vacations, dining out more often, home improvement projects, summer camps, and activities for the kids. All of these one-time expenses can compound quickly.

Here's what helps: track your spending for the next two months and compare it to your winter months. Notice where the increase happens. Decide which expenses are worth keeping and which were one-time splurges.

Awareness is the first step. Once you see the pattern, you can plan for seasonal variation instead of letting it erode your nest egg.

What makes us different?We're a fee-only firm built specifically for physicians who want to delegate their financial pla...
05/27/2026

What makes us different?

We're a fee-only firm built specifically for physicians who want to delegate their financial planning to someone who understands your career.

Student loan debt stretching into six figures. Delayed earning years. Complex compensation structures. The pressure of supporting a family while managing your own financial future.

At Bona Fide Finance, we handle it for you.

Our approach is comprehensive. Tax planning, debt strategy, insurance review, retirement projections, and investment management all work together under one roof.

If you're looking for a team that understands physician life, we’re here for you. Schedule an introductory call today: https://bonafidefinance.com/contact/

Memorial Day is a day to remember those who didn't come home.The men and women who served, who sacrificed, who gave ever...
05/25/2026

Memorial Day is a day to remember those who didn't come home.

The men and women who served, who sacrificed, who gave everything so that we could live freely.

Today, we honor their memory and hold space for the families who carry that loss.

How many months of expenses could you cover if your income stopped tomorrow?If the answer makes you uncomfortable, you n...
05/20/2026

How many months of expenses could you cover if your income stopped tomorrow?

If the answer makes you uncomfortable, you need a stronger emergency fund.

An emergency fund gives you options when life doesn't go according to plan. It keeps you from draining retirement accounts, racking up credit card debt, or making financial decisions under pressure.

The baseline is three to six months of expenses, but physicians with variable income or higher financial obligations may need more. At Bona Fide Finance, we work with physicians to determine the right emergency reserve for their specific situation and integrate it into their overall financial strategy.

How does your compensation structure actually work?Take a moment to review a few common pay structures to learn how they...
05/18/2026

How does your compensation structure actually work?

Take a moment to review a few common pay structures to learn how they differ and how each requires a different planning strategy.

June is right around the corner, which means it's time to think about a mid-year financial review.Consider where you sta...
05/13/2026

June is right around the corner, which means it's time to think about a mid-year financial review.

Consider where you stand on your savings goals, tax planning, insurance coverage, and any major financial decisions you've been delaying.

If you've been meaning to sit down with a financial advisor this year, schedule it now before the second half of 2026 gets away from you.

Get in touch to schedule your mid-year review: https://bonafidefinance.com/contact/

Physicians with kids: Try this exercise with your partner this week.Each of you writes down your top three financial pri...
05/11/2026

Physicians with kids: Try this exercise with your partner this week.

Each of you writes down your top three financial priorities right now. Don't discuss it first, just write.

Now compare.

One of you might have "pay off student loans" at the top. The other might prioritize "max out retirement accounts" or "fund 529 accounts." These aren't wrong answers, but misalignment can create tension and delay growth.

This 10-minute conversation reveals more about your financial coordination than most couples discover in years of managing money separately. Your end goal is to create a financial strategy that moves both of you forward instead of pulling in opposite directions.

To the mothers who are physicians, to the mothers of physicians, to the mothers reading this while juggling a hundred ot...
05/10/2026

To the mothers who are physicians, to the mothers of physicians, to the mothers reading this while juggling a hundred other things today: Thank you.

For the love you give, the sacrifices you make, the strength you carry, and the grace you show (even when it's hard).

You matter. You're seen. You're appreciated.

Happy Mother’s Day! 💐

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Bismarck, ND
58504

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