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Volume 16 | Issue 11

Inside This Issue

November Edition 2026

America Is Building Communities Faster Than It Can Train Doctors By Gaurov Dayal, MD St. George’s University (CEO, Medforth Global Healthcare Education)

Why Muscle Health Should Be a Bigger Part of Clinical Nutrition See pg. 10

INDEX Legal Matters........................ pg.4 Oncology Research......... pg.5 Mental Health...................... pg.6 Hospital News....................... pg.7 Healthy Heart....................... pg.8 Financial Forecast............ pg.12

Houston Fire Department Unveil Nation’s First Fire Department-Owned Mobile Stroke Unit, Honor Dr. David Persse See pg. 11

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he doctor shortage is often described as a future problem. But in many of America’s fastest-growing communities, it has already arrived. Consider Cypress, Texas, about 25 miles northwest of Houston. One of its ZIP codes is now the fourth most populous in Texas. That growth brings new homes and businesses, and new demand for essential services, including healthcare. The visible impact of doctor shortages on medical care is increased patient loads. With doctors booked out months for appointments, patients end up turning to urgent care or emergency rooms for conditions that could be addressed earlier in a primary care office. Overbooked doctors also have less time to listen carefully and look for subtle symptoms. Over time, that can affect the quality of care and compassion doctors provide. Nationally, the average wait for a family medicine appointment has reached 23.5 d a y s , u p 1 4 % since 2022, according to AMN Healthcare. The Texas Department of State Health Services projects that by 2036, the state will need approximately 37,900 primary care doctors but will have o n l y about 21,80 0, leaving 42% of demand unmet. The Problem Isn’t Just Too Few Doctors Cypress reflects a mismatch

between how quickly populations grow and how slowly the doctor workforce follows. A new housing development can be built in months. Training a primary care doctor takes roughly 11 years, with the traditional pathway including four years of undergraduate education, followed by four years of medical school and at least three years of residency training. If growing communities such as Cypress struggle to recruit enough doctors, the challenge is even greater in rural and underserved areas. This is why I believe America’s doctor shortage should be viewed as an

workforces. Planning for the Doctors America Needs For nearly five decades, St. George’s University (SGU) in Grenada has been educating doctors who go on to serve U.S. communities. Our experience reveals three principles to help communities plan for medical care needs: First, incorporate healthcare capacity into community planning. When cities and regions anticipate significant population growth, doctor availability should be part of the discussion alongside other essential infrastructure. Second, expand residency training opportunities where doctors are needed most. The Centers for Medicare and Medicaid Services recently awarded 400 Medicare - f unded residency positions, part of 1,200 positions authorized by Congress since 2021. This represents progress, but more capacity and thoughtful geographic distribution

When we build new communities, we plan for roads, schools, utilities and public safety. We also need to plan for doctor workforces... infrastructure planning issue. When we build new communities, we plan for roads, schools, utilities and public safety. We also need to plan for doctor

see Training Doctors ...page 14

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Gulf Coast Blood is Supporting Houston’s Patients and the Donors Who Give Patients across the Houston region rely on lifesaving blood products every day. From emergency trauma care and complex surgeries to childbirth complications and ongoing treatments, access to a dependable blood supply is essential. At the heart of that effort is Gulf Coast Blood, working alongside dedicated donors to help ensure blood is available when patients need it most. Gulf Coast Blood is vital to Houston’s healthcare system, with work that extends beyond collecting blood donations. The organization collects, tests, processes and distributes blood products to support hospitals and healthcare providers. This work connects the generosity of local donors with patients who depend on blood products for lifesaving care. Every donation has the power to make a difference. For some patients, blood is needed unexpectedly following an accident or medical emergency. For others, including individuals undergoing cancer treatment or managing chronic blood disorders, transfusions may be a regular part of their care. In every situation, a reliable blood supply begins with people willing to give. Because blood products have a limited shelf life, a steady flow of donations is essential to keeping blood available for patients. First-time donors help expand the donor community, while regular donors provide the consistency needed to meet everyday patient needs and respond to unexpected demand. Gulf Coast Blood also recognizes the importance of caring for those who give. Through its current offer of a free lipid panel wellness test with each successful donation, donors can learn more about their own health while making a meaningful difference for others. The recently introduced No Donor Left Behind program gives donors another way to support the mission. Those who are not eligible to donate blood for transfusion that day may have the option to give a smaller donation for research, depending on eligibility. These donations support scientific studies that may contribute to better treatments and potential cures for diseases such as cancer and Alzheimer’s. By expanding opportunities to participate, the program honors donors’ time and generosity while connecting their willingness to give with the needs of tomorrow’s medicine. Making an impact is convenient and accessible. With donor centers and mobile blood drives throughout the Greater Houston area, East Texas and Brazos Valley, individuals have opportunities to give close to home, work or school. Local businesses, schools, faith-based groups and community organizations also play an important role by hosting blood drives and inspiring others to participate. Gulf Coast Blood’s mission is made possible by the partnership between a trusted blood center and a community that cares. The organization provides the expertise, resources and coordination needed to support Houston’s blood supply. Donors provide something equally essential: a generous act that can make a lifesaving difference. Schedule your donation or help bring donors together by hosting a blood drive.

Visit giveblood.org to get started.

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November 2026


Houston Medical Times

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Legal Matters New Bets, New Risks: Prediction Markets Raise the Stakes for Corporate Compliance likely traders believe the event is to occur. Event contracts can reference economic, commercial, political and other objectively determinable outcomes. Parallel Criminal & Civil Enforcement Actions Target Prediction-Market Trading Criminal and civil enforcement in this area is already underway. The By Ellen H. Persons, J.D. Department of Justice (DOJ) and Alexandra A. Beato, J.D. Commodity Futures Trading Commission Polsinelli, PC (CFTC) have brought parallel actions against individuals accused of using rom Kalshi and Polymarket to confidential information to place bets on Novig, prediction markets and prediction markets, demonstrating that event contracts are moving into the using nonpublic information to trade mainstream, creating new opportunities event contracts can create significant for misuse and increasing enforcement enforcement risk. Two recent matters risk for individuals and companies. illustrate this risk: Prediction markets allow individuals • Gannon Ken Van Dyke. In April to buy and sell contracts based on 2026, the DOJ indicted an activewhether a future event will happen. duty U.S. Army soldier who For example, a contract might pay $1 allegedly used classified information if a company reaches a certain sales concerning a military operation to target and nothing if it does not. The capture Nicolás Maduro to trade on contract’s price generally reflects how Polymarket. According to the DOJ, Medical Times half page ad.pdf 1 9/11/2026 9:37:52 AM

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Van Dyke placed approximately 13 wagers totaling $33,034 and earned approximately $409,881. He allegedly then attempted to delete his Polymarket account and moved proceeds through other financial accounts. The DOJ charged him with unlawful use and theft of government information, Commodity Exchange Act violations, wire fraud and an unlawful monetary transaction. The CFTC filed a parallel civil action seeking restitution, disgorgement, monetary penalties, trading and registration bans and injunctive relief. Michele Spagnuolo. In May 2026, the DOJ charged a Google software

engineer who allegedly used access to a confidential internal data tool to obtain unreleased information concerning Google’s 2025 “Year in Search” results. He allegedly traded more than 20 related Polymarket event contracts and generated approximately $1.2 million in profits. The DOJ charged Spagnuolo with commodities fraud, wire fraud and money laundering, while the CFTC filed a parallel civil enforcement action. SEC Proposal Could Expand Oversight of Event Contracts The regulatory landscape regarding event contracts may continue see Legal Matters. ...page 14

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Oncology Research The Most Important Question After a Cancer Diagnosis: Has Biomarker Testing Been Performed? By Branden Hsu, M.D. Texas Oncology

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hen patients are first diagnosed with cancer, their focus is understandably on treatment. They’re trying to process a life-changing diagnosis while making decisions about surgery, chemotherapy, immunotherapy, radiation, or some combination of these approaches. But before those conversations move too far forward, there is another important question patients should ask: Has biomarker testing been performed? As oncologists, we have learned that two patients with the same type of cancer may have tumors that behave very differently. What drives one

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patient’s cancer may be completely different from what drives another’s. That information can matter when determining treatment options. Lung cancer is perhaps the best example of how much cancer care has changed. Molecular testing can identify mutations such as EGFR, ALK, KRAS and others that may help guide treatment decisions. For some patients, those results may open the door to targeted therapies developed specifically for cancers with those molecular features. These advances have made biomarker testing a critical part of care for many patients with lung cancer. Yet many patients still do not know what testing was performed, what the results mean, or how those findings could affect their treatment plan. Pancreatic cancer is another area where testing can provide valuable insights. Historically, treatment options have been limited, but genetic and

molecular testing help physicians better understand which therapies may be appropriate for certain patients. Germline testing can also identify inherited mutations that may affect not only treatment decisions, but also family members who could benefit from discussing their own cancer risk with a physician. Biomarker testing can also help identify clinical trial opportunities. Many modern cancer trials are designed around specific molecular characteristics, allowing researchers to evaluate treatments in the patients most likely to benefit from them. The field continues to move

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quickly. New biomarkers are being identified, new targeted therapies are becoming available, and our understanding of cancer biology continues to improve. Keeping pace with those developments starts with having the right information about a patient’s disease. That is why I encourage patients to ask about biomarker testing early in the treatment process. Understanding the biology of cancer can help ensure that all available options are considered and that treatment decisions are based on the most complete picture possible.

November 2026

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Houston Medical Times

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Mental Health Postpartum Mental Health: Depression, Anxiety, Psychosis and How to Get Help

By Lasha Markham An expert explains the different mental health conditions impacting new moms and how to support them

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aternal mental health disorders affect 20% of new mothers in the United States, making them among the leading complications of childbirth ahead of high blood pressure, gestational diabetes and preeclampsia. Eva Johnson, MD, clinical associate professor with the Texas A&M University Naresh K. Vashisht College of Medicine at Texas A&M Health, is a practicing psychiatrist with additional training in reproductive psychiatry. She said perinatal and postpartum mental health experiences, which begin or worsen during pregnancy or within a year or so after childbirth, can be more complicated than a standard anxiety or depression diagnosis due to pregnancy-related

physiological changes. “Mental health disorders related to pregnancy and outside of that period differ mainly in terms of how we are diagnosing using DSM criteria, the manual professionals use to diagnose mental health conditions,” Johnson said. “Sometimes during the perinatal period, there may be symptoms that take on unique characteristics that are more specific to the maternal experience. For example, guilt, negative self-image or depression that is more focused on how she views herself as a mom.” Postpartum depression Postpartum depression (PPD)— officially diagnosed in the DSM-5 as major depressive disorder with peripartum onset — is widely depicted in media and often, incorrectly, used interchangeably with other perinatal mental health conditions. PPD affects one in seven women, according to Johnson. Depression is a condition that is

characterized by low mood or decreased interest or pleasure in activities. It may affect eating and sleeping patterns, and patients can experience low energy or difficulty concentrating. Depression can also come with guilt or feelings of worthlessness and negative self-image, Johnson said. In severe cases, patients may have thoughts of death or suicidal ideation. Any symptoms lasting longer than two weeks during the perinatal period is considered postpartum depression and can last up to a year, she added. The good news, Johnson said, is that symptoms tend to improve quickly with treatment. Tell your provider about any symptoms you’re experiencing, so they can provide the proper treatment and get you the help you need. A much less severe state following childbirth is commonly known as “baby blues,” which impacts around 80% of women who have just given birth. Symptoms, thought to be brought on by the rapid decrease in hormones after childbirth, typically start shortly after birth and last less than two weeks. They may include some mood changes, irritability, anxiety or sadness. The baby blues are not typically impairing—any symptoms that impede daily activities should be mentioned to a provider.

Treatment options for postpartum mental health conditions include therapy and medication, but up to 75% of those affected will go undiagnosed and untreated.

Postpartum anxiety Globally, anxiety disorders are the most commonly diagnosed mental health conditions, and maternal mental health is no exception. Approximately one in five mothers experiences perinatal anxiety, Johnson said. Like other anxiety disorders, perinatal anxiety exists on a spectrum, encompassing generalized anxiety, social anxiety, panic disorder and more. Obsessive-compulsive symptoms, including intrusive thoughts and compulsions, are also often included in screening when a patient presents with perinatal anxiety. see Mental Health. ...page 13

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Hospital News Houston Methodist Hospitals Recognized As 2026 Top Performers by Vizient By Staff

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ll eight Houston Methodist acute care hospitals are top performers in Vizient’s Bernard A. Birnbaum, MD, Quality Leadership annual rankings, which provide a national hospital scorecard focused on patient safety and quality metrics. Houston Methodist Hospital finished No. 3 in its cohort for the second consecutive year — the hospital’s highest ranking. In addition, all seven Houston Methodist network hospitals ranked among the top 10 in their respective surveys, with two – Houston Methodist Willowbrook Hospital and Houston Methodist Baytown Hospital – ranked No. 1

in their respective cohorts. Rankings-eligible hospitals are determined by the quality of patient care in six areas: safety, mortality, effectiveness, efficiency, patient centeredness and variation of care. This year’s results are as follows: •

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• • •

Houston Methodist Hospital — Ranked No. 3 out of 122, Comprehensive Academic Medical Centers Houston Methodist Willowbrook Hospital — Ranked No. 1 out of 225, Large, Specialized Complex Care Medical Centers Complex Care Medical Centers cohort (out of 238 hospitals): Houston Methodist Baytown Hospital — Ranked No. 1 Houston Methodist West

Each day, our physicians and employees keep our patients at the center of everything we do, and this recognition is a direct result of their steadfast commitment to delivering the safest, highest-quality care possible. Their unwavering focus on safe, quality and compassionate care is what drives the exceptional outcomes our patients expect and deserve.Marc L. Boom, M.D., president and CEO of Houston Methodist.

Hospital — Ranked No. 2 • Houston Methodist Cypress Hospital — Ranked No. 3 • Houston Methodist The Woodlands Hospital — Ranked No. 4 • Houston Methodist Sugar Land Hospital — Ranked No. 10 • Houston Methodist Clear Lake Hospital — Ranked No. 4 out of 280, Community Hospitals “Each day, our physicians and employees keep our patients at the

center of everything we do, and this recognition is a direct result of their steadfast commitment to delivering the safest, highest-quality care possible,” said Marc L. Boom, M.D., president and CEO of Houston Methodist. “Their unwavering focus on safe, quality and compassionate care is what drives the exceptional outcomes our patients expect and deserve.”

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Healthy Heart 4 Ways to Take Action on World Restart a Heart Day

By The American Heart Association

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hen cardiac arrest happens, the best chance for survival often rests with the people nearby. Yet 2 in 3 people still mistakenly believe only those with special training should perform CPR, a misconception that costs lives. [1] Today, on World Restart a Heart Day, the American Heart Association’s Nation of Lifesavers initiative is challenging communities everywhere to make lifesaving action a social norm by helping more people realize they have the power and ability to step in during a cardiac emergency. You don’t need to be a medical professional; you just need to be willing. If you see a teen or adult who has suddenly collapsed and is not breathing normally, call 911 and push hard and fast in the center of the chest until help arrives. Each year, more than 350,000 cardiac arrests occur outside of the

hospital in the United States, and approximately 90% of people who experience these events do not survive. [2] Survival often depends on how quickly people nearby recognize the emergency, call 911, begin CPR and use an automated external defibrillator (AED).[3] “Too many people hesitate during a cardiac emergency because they believe lifesaving action should be left to medical professionals,” said Manesh R. Patel, M.D., FAHA, volunteer president of the American Heart Association, chief of cardiology and pharmacology at Duke University School of Medicine. “World Restart a Heart Day is a reminder that parents, neighbors, coworkers, friends and family members are often the first people on the scene. We want to create a culture where everyone has the best chance to survive because everyone is prepared— and confident—to step in and provide CPR.”

The American Heart Association, a relentless force changing the future of health for everyone everywhere, is encouraging communities to join the Nation of Lifesavers on World Restart a Heart Day and create a culture where everyone has the best chance of survival. • Learn CPR. Watch a short CPR demonstration video or take a CPR course to gain the skills and confidence to act during an emergency. CPR is not just a skill for medical professionals. Research shows that children as young as 9 can learn CPR, making it a valuable skill for the whole family.[4] • Share CPR stories. Stories from survivors, rescuers and families affected by sudden cardiac arrest can inspire others to learn CPR. The Nation of Lifesavers CPR

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The Framework UT System Board of Regents Approves $300 Million UTMB Health League City Hospital Campus Expansion By Bryan Luhn

UTMB plays in offering world-class health care to the coastal communities,” said UT System Chancellor John M. Zerwas, MD. “The board’s action is one example of that. We congratulate President Reiser and the entire UTMB clinical team for ensuring that more Texans will have access to their great care.” The hospital expansion will bring new advanced diagnostic imaging capabilities for both inpatient and emergency settings, including MRI, CT, ultrasound, and fluoroscopy. In addition, new inpatient and outpatient procedural imaging will further strengthen diagnostic precision and treatment efficiency. “This expansion represents a major investment in the health and well-being of League City and the surrounding communities,” said Dr. Jochen Reiser, UTMB President and CEO of the UTMB Health System. “As our region continues to grow, so does the need for timely access to

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he University of Texas System Board of Regents has approved a transformative $300 million expansion project at The University of Texas Medical Branch (UTMB Health) League City Hospital Campus, a major step that will broaden access to high-quality emergency and inpatient care across the rapidly growing Bay Area region. The multiphase project, which is expected to be fully completed by 2030 with services opening as each phase is finished, will expand emergency services, increase inpatient capacity, and strengthen diagnostic and treatment capabilities to meet rising demand for care in the region. At the heart of the expansion is the construction of a new 40-bed Emergency Department, designed to improve patient throughput and access to emergency services. “The Regents and I are very proud of the extraordinary role

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advanced emergency and inpatient care. This project ensures we are not only keeping pace with that growth but leading with innovation, efficiency, and an unwavering commitment to exceptional patient care.” The project also includes expansion of the inpatient pharmacy to optimize medication management and renovated laboratory spaces to improve workflow and diagnostic efficiency. The existing 17-bed Emergency Department will be converted into a 20-bed Observation Unit to enhance patient flow and support appropriate levels of care. Administrative offices, training facilities and the outpatient rehabilitation clinic will be relocated to newly constructed space, allowing the vacated areas to be transformed into a new 20-bed Medical-Surgical

Unit. The League City Hospital Campus, located at 2240 Interstate 45, opened in 2016 as League City’s first hospital and complemented the existing UTMB outpatient and specialty clinics. A major expansion, which added a five-story patient tower and 60-new beds, was completed in 2020. Reiser said this Phase 3 expansion of the hospital emphasizes the long-term investment by UTMB in the region. “UTMB has proudly served our local communities for generations,” Reiser said. “This expansion strengthens our ability to deliver high-quality, coordinated care close to home, ensuring that families have access to the advanced services they need today and in the decades ahead.”

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Why Muscle Health Should Be a Bigger Part of Clinical Nutrition Experts Call for Greater Attention to Muscle Health Across Aging, Illness and Weight Loss By Caitlin Clark

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uscle health is linked to how well people recover from illness, maintain independence as they age and retain strength and function during weight loss. But it isn’t always a central consideration in clinical nutrition. An international group of experts says it should be. In a new expert review, researchers examine gaps in how muscle health is addressed in clinical nutrition and lay out a research agenda for moving the field forward. “It’s all about getting muscle health in the front of the discussion of patient health,” said Dr. Nicolaas Deutz, a professor in the Department of Kinesiology and Sport Management at Texas A&M University and one of the review’s co-authors.

In the review, published in Clinical Nutrition, the experts draw on existing research on muscle health across aging, cancer, critical illness, diabetes and obesity to consider how muscle health can be better incorporated into clinical nutrition. Ultimately, the authors propose t h a t “mu s cl e h e a lt h s h o u l d b e recognized as a central and measurable target of clinical nutrition rather than a secondary or downstream outcome.” Looking beyond muscle mass Part of that shift, Deutz said, requires thinking differently about what it means to have healthy muscles. Muscle mass is commonly used as an indicator, but the amount of muscle someone has does not necessarily tell clinicians how well it functions. “Muscle health is how good you can use your muscles — muscle

strength, persistence or endurance,” Deutz said. “Just to say that muscle health equals muscle mass, I don’t think that’s correct.” The review defines muscle health broadly, incorporating muscle mass and composition alongside strength, physical performance, metabolism and people’s own assessments of how well they are able to function. Those distinctions can matter across different health conditions. People with cancer, for example, may lose both weight and muscle during their illness and treatment, while critically ill patients can experience significant muscle loss during hospitalization. Aging can bring declines in muscle mass, strength and function that can threaten mobility and independence. And during treatment for obesity, losing weight can also mean losing lean tissue. The authors argue that muscle health should be considered more consistently across those different clinical settings rather than treated simply as a secondary consequence of disease or aging. Rethinking nutrition for muscle health Putting muscle health closer to the center of care also means looking more

closely at how nutritional interventions are designed. For someone who is sick or malnourished, nutritional support can help address inadequate intake and the loss of weight and muscle. Deutz said the goal should go beyond providing enough calories. Protein is particularly important because it provides the building blocks needed to maintain and rebuild muscle. But a simple directive to consume more protein isn’t the answer, either, Deutz said. “The solution on muscle health is not just taking more protein,” he said. Instead, the expert review calls for a more personalized approach that accounts for differences in a person’s condition, metabolism, inflammation and stage of illness or recovery. The review examines how nutritional needs and interventions can differ across see Muscle Health. ...page 13

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Houston Fire Department Unveil Nation’s First Fire Department-Owned Mobile Stroke Unit, Honor Dr. David Persse

PLAN WISELY. YOU WON’T GET A DO-OVER. A successful retirement in the future can often depend on having a solid plan now. If your money isn’t working as hard as you are, it may be time to act—there are no do-overs in retirement planning. Now is the time to consider developing a strategy that can help you work toward your financial goals. I specialize in providing comprehensive, personalized financial guidance with the goal of maximizing every remaining moment of the retirement countdown.

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he Houston Fire Department (HFD) in partnership with Memorial Hermann Health System recently unveiled the nation’s first fire department-owned Mobile Stroke Unit (MSU), marking a milestone in emergency medical services and expanding access to lifesaving stroke treatment across Houston. The new unit, the second serving the city, was officially dedicated in honor of Dr. David Persse, HFD’s retired EMS Physician Director, who died Sept. 28, after more than three decades of service to Houston. Dr. Persse was instrumental in advancing Houston’s EMS system

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Stroke Unit program. U.S. Reps. Lizzie Fletcher and Al Green helped secure federal funding for the new unit. “The generous addition of a second Mobile Stroke Unit by the Houston Fire Department is a lifesaving investment in our community,” said Dr. James McCarthy, executive vice president and chief physician executive for Memorial Hermann Health System. “By bringing specialized stroke care directly to patients when every second matters, we can reduce treatment delays, improve outcomes and give more Houstonians a better chance at recovery.”

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MEDICINE and helped develop the city’s original Mobile Stroke Unit program, launched in 2014. His leadership helped establish Houston as a national leader in delivering advanced emergency medical care before patients reach the hospital. “Houston deserves a world-class emergency medical system, and this investment is another step toward delivering that level of care to every community we serve,” said Fire Chief Thomas Muñoz. “Our members take tremendous pride in caring for Houstonians, and this new capability will help us provide an even higher level of service when our neighbors need us most.” The addition represents a significant investment in Houston’s emergency medical response capabilities and builds on the city’s existing Mobile

Mobile Stroke Units are specially equipped ambulances that bring advanced stroke assessment and treatment directly to patients. By allowing specialized medical teams to evaluate patients and begin treatment before reaching a hospital, these units can significantly reduce delays in care and improve the chances of recovery. “This new unit represents a major advancement in how we deliver emergency medical care in Houston.” said Dr. Kevin Schulz, HFD EMS Physician Director. “The ability to identify and begin treating a stroke before a patient reaches the hospital can make a meaningful difference in their recovery. Expanding this capability allows us to reach more patients sooner and build on the work Dr. Persse championed throughout his career.”

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Page 12

Financial Forecast Five Years Until Retirement? Five Financial Moves to Make Now By Grace S. Yung, CFP Midtown Financial Group, LLC

R

etirement may seem like a distant goal until suddenly it is only five years away. Whether you have spent decades saving diligently or are just beginning to prepare, the final years of your career can be among the most important for financial planning. During this period, your focus should gradually shift from accumulating wealth to preparing your savings to generate retirement income. The decisions you make today can significantly influence your financial flexibility and lifestyle throughout retirement. Here are five important financial moves to consider. 1. Maximize Your Retirement Savings If you are still working, take

advantage of your remaining earning years to strengthen your retirement savings. For many individuals, these are also their highest-income years. In 2026, employees can contribute up to $24,500 to a 401(k), 403(b), or most governmental 457(b) plans. Those age 50 and older may qualify for an additional $8,000 catch-up contribution, while individuals ages 60 through 63 may contribute an additional $11,250, bringing their potential total to $35,750, if their plan permits. *(source: irs.gov) Consider increasing contributions when you receive raises or bonuses and taking full advantage of employer matching contributions. 2. Develop a Retirement Income Strategy Saving for retirement is one thing. Turning those savings into viable income is another. Start by estimating your retirement expenses, including housing, healthcare, insurance, travel, and entertainment. Then identify anticipated income sources, such as

Social Security, pensions, retirement accounts, and investments. One approach is the three-bucket strategy: short-term funds for immediate expenses, intermediate-term investments for spending needs over the next several years, and long-term investments intended to provide growth potential and help offset inflation. This approach may reduce the need to sell investments during unfavorable market conditions. 3. Review Your Investments and Manage Risk As retirement approaches, evaluate whether your investment allocation remains appropriate. A portfolio heavily invested in stocks may have been suitable 20 years ago. However, a significant market downturn immediately before or after retirement could negatively affect your savings, particularly when withdrawals begin. Asset allocation does not ensure a profit or protect against a loss. This is known as sequenceof-returns risk. That does not necessarily mean moving everything into conservative investments. Retirement could last 25 to 30 years or longer, making continued growth important. The objective is to balance

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growth potential with income needs and risk tolerance. 4. Reduce Debt and Prepare for Healthcare Costs Entering retirement with fewer financial obligations can improve cash flow and flexibility. Consider prioritizing high-interest debt, including credit cards and personal loans. Evaluate whether paying off your mortgage before retirement makes sense based on your interest rate, liquidity, and financial circumstances. Healthcare expenses also deserve attention. If retiring before age 65, determine how you will obtain coverage until Medicare eligibility. Even with Medicare, premiums, supplemental insurance, prescriptions, and out-of-pocket expenses can add up. Consider potential long-term care needs

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Mental Health Continued from page 6 Typical anxiety symptoms involve persistent, uncontrollable and impairing fears or worries. Some symptoms may overlap with those of depression, such as trouble concentrating, difficulty sleeping or irritability, Johnson said. Physical symptoms like a racing heart, shortness of breath and muscle tension are also common. However, in maternal mental health conditions, the symptoms frequently center around concerns for the baby, she added. “During the perinatal period, oftentimes these fears or worries may be related to the baby but also can encompass a wide range of fears such as occupational or medical worries. So, maybe fears or concerns about how baby is doing or their own wellbeing or how their partner is doing,” Johnson said. “In relation to OCD, which is in the anxiety spectrum, someone may have intrusive thoughts like, ‘Did my baby stop breathing?’ So, they may develop compulsions or associated behaviors to relieve that fear, like going back and constantly checking to see if baby is breathing.” While some worry is normal for someone who is recently postpartum, Johnson said, difficulty controlling these worries and a functional impairment from your symptoms could signal a bigger problem. If you suspect anxiety, and it is interfering with your daily

Muscle Health Continued from page 10 populations, from older adults to people undergoing cancer treatment or weight loss. The paper also identifies muscle preservation during weight loss as an area needing more research, including

Financial Continued from page12 and whether insurance or dedicated savings may be appropriate. 5. Create a Tax-Efficient Retirement and Social Security Strategy Taxes can significantly affect how much retirement income you keep. Traditional IRA and 401(k) withdrawals are generally taxable, while qualified Roth distributions are tax-free. The years between retirement and required minimum distributions may offer opportunities for Roth conversions, potentially reducing

Page 13

life or the ability to care for yourself or your child(ren), you should speak to a provider about your symptoms, she said. Postpartum psychosis Postpartum psychosis is the rarest maternal mental health incidence— only occurring in one to two out of every 1,000 women—and is considered a mental health emergency, Johnson said. About 4% of postpartum psychosis cases result in infanticide and about 5% result in suicide. Onset is usually rapid during early postpartum, but some cases have been documented to occur later. Interestingly, postpartum psychosis—though it has been well documented in scientific literature—is not an official diagnosis in the DSM, Johnson said. Groups of reproductive psychiatry experts have been advocating to change that, aiming to promote visibility and provide clear guidelines for diagnosis, in addition to opening options for treatment and insurance coverage. Symptoms of postpartum psychosis include delusions—usually centered around the newborn or childbirth—or false beliefs, bizarre or disorganized behavior, or hallucinations. There can also be distinct or rapid changes in demeanor, like unusually elevated mood or depressed mood and irritability. Patients may be confused or feel detached from their body. Insomnia is common as well. The condition may fluctuate

and can rapidly worsen or improve, and symptoms sometimes overlap with bipolar disorder, Johnson said. Postpartum psychosis symptoms can sometimes be hard to see from the outside without doing regular check-ins with the new mom, especially since some women might not disclose symptoms due to stigma. If you suspect postpartum psychosis for yourself or a loved one, get to the nearest emergency room as soon as possible. If you believe your loved one may be a danger to themselves or others, seek professional help immediately. The Suicide and Crisis Lifeline operates 24/7 and can be reached by calling 988 in the United States. How to support mothers While mental health conditions encompass a wide variety of diagnoses, symptoms, duration and severity, the bottom line remains the same: New mothers need help and shouldn’t be ashamed or afraid to ask for it. And community support is a critical element in mothers’ support networks. Risk factors for developing a perinatal mental health condition include family history or a personal previous history of mental health concerns—both in and out of pregnancy—but all new mothers are susceptible and having a support system can mitigate some of the risk. Johnson recommends loved ones check in with new moms regularly before and after birth. She also suggests partners and pregnant women have

conversations with each other and with a provider prior to giving birth about what behaviors are normal, what is concerning and when to take action. The National Maternal Mental Health Hotline is available at 833-852-6262 for immediate support— for mothers or a concerned loved one— to receive mental health support and resources from a licensed professional. For ongoing support, Johnson recommends checking the Postpartum Support International directory to find a provider in your area that is equipped to provide perinatal mental health support. There is support for perinatal providers as well. Providers of perinatal women can call the Perinatal Psychiatry Access Network (PeriPan) hotline at 888-901-2726 to speak to a behavioral health specialist, consult with a reproductive psychiatrist and get connected with resources. It’s important not to wait, Johnson emphasized. As soon as symptoms start appearing, a provider can begin treatment and help you start feeling better as soon as possible. “I think it’s important for moms to recognize that they matter, too,” Johnson said. “The postpartum period can feel like a bubble. And I think if more women knew how common it is, it might make it a little bit easier to ask for help.”

among people using GLP-1 medications or undergoing bariatric surgery. From research to routine care More research is needed, however, to translate this approach into routine clinical practice. Researchers still lack standardized ways of measuring muscle health across studies, and Deutz said larger clinical trials are needed

to determine which interventions improve muscle health in different populations. The research agenda calls for better measures of muscle health, larger trials, more personalized nutrition strategies and studies examining how nutrition and exercise can work together across different clinical conditions.

Deutz said his own research is aimed at better understanding how an individual’s metabolism changes in relation to muscle health and what that could mean for nutritional support. For Deutz, the goal is not to arrive at a single diet or protein recommendation, but to better understand individual differences that could help guide nutritional support.

future taxable withdrawals. However, conversions can increase current taxes and affect Medicare premiums. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Social Security timing is equally

important. Although benefits can begin at age 62, delaying retirement benefits beyond full retirement age increases monthly payments until age 70. Married couples should also evaluate spousal and survivor benefits. Coordinating retirement withdrawals, taxes, and Social Security can help improve your overall retirement strategy. The Bottom Line The final five years before retirement offer an important opportunity to evaluate your finances and adjust while you still have employment income. Retirement planning is not

simply about accumulating the largest nest egg. It is about developing a strategy to support your desired lifestyle while addressing inflation, market fluctuations, healthcare expenses, and longevity. Consider working with a Certified Financial Planner professional to develop a comprehensive retirement plan tailored to your circumstances. Thoughtful preparation today can help you approach retirement with greater confidence and financial flexibility.

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November 2026


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Houston Medical Times

Training Doctors

HOUSTON

Continued from page 1 will be necessary. Third, support every proven pathway that produces qualified doctors for American communities. For 13 consecutive years, SGU has been the largest provider of new doctors to the U.S. healthcare system. Roughly two-thirds of SGU’s medical graduates enter primary care specialties. Importantly, graduates of international medical schools must pass the same U.S. medical licensing examinations and meet the same

residency training and licensure requirements as graduates of U.S. medical schools before practicing independently. International medical education is not a future or theoretical solution to America’s doctor shortage. It is already an important part of the solution. From Medical Education to Community Health Cypress demonstrates what many American communities may experience in the years ahead. Population growth is a sign of economic vitality, but access

to healthcare does not automatically follow. America needs a longer-term commitment to doctor workforce planning, expanded residency opportunities and continued support for proven medical education pathways. We would never build thousands of homes without planning for roads and schools. We should apply that same foresight to ensure the families in those homes can see a doctor when they need one.

should consider taking the following measures: • Updating insider-trading and personal-trading policies. Define prohibited trading to include prediction markets, event contracts and betting platforms, not only transactions in company securities. Policies may prohibit any personal financial transaction in which nonpublic information obtained through employment provides an informational advantage. • Revising confidentiality and use restrictions. Update controls to expressly state that confidential business information may not be used for personal financial activity, including event-contract trading or betting. Protected information should include internal analytics, forecasts, rankings, search data, key performance indicators and operational metrics. • Offering regular training and certifications. Provide regular, documented training for employees and contractors with access to

sensitive information, particularly personnel in engineering, data analytics, finance, product development, marketing and government-facing positions. • Maintaining access controls and monitoring. Maintain robust audit logs and monitor unusual or unnecessary data queries. Employment, confidentiality and vendor agreements should also address misappropriation of nonpublic information and duties of loyalty and confidentiality. Prediction markets create a new channel through which employees may attempt to monetize confidential information. Internal analytics, business forecasts, search trends, product-release dates, customer information and other operational data may provide an advantage in event-contract trading and increase exposure to civil or criminal enforcement. Companies should review their insider-trading controls to ensure they expressly address prediction markets, event contracts and other betting or wagering platforms.

how to use an AED helps create communities where more people are ready to respond when needed. Each year World Restart a Heart Day reinforces the American Heart Association’s vision of creating communities where lifesaving skills and preparedness are the norm. The long-term goal of the Nation of

Lifesavers initiative is to ensure that in the face of a cardiac emergency, anyone, anywhere, is prepared and empowered to perform CPR. Walgreens is a proud national sponsor of Nation of Lifesavers. To learn CPR and join the Nation of Lifesavers, visit heart.org/nation.

Healthy Heart Continued from page 8

•

November 2026

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staff and volunteers know their roles, understand how to activate emergency medical services, begin CPR and access an AED quickly. Make CPR part of your community’s culture by sharing resources and volunteering with friends, family and coworkers. Encouraging others to learn CPR and understand

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Legal Matters to broaden. MEMX, a securities exchange, has submitted a proposal to the SEC that would allow investors to trade contracts based on whether a public company reaches specific earnings, revenue, sales or other financial targets. These contracts would pay out in cash depending on whether the event occurs. MEMX stated that the framework would place these products within existing listed-options infrastructure, including exchange surveillance and standardized disclosure. If approved, prediction-market activity tied to a public company’s financial performance could become subject to more direct SEC oversight and market surveillance. What Companies Should Do Now to Address Prediction-Market Risk The central compliance lesson is straightforward: confidential information can now be monetized through markets that may fall outside the scope of traditional insider-trading policies. Companies should update their controls before an employee’s event-contract trading becomes the first indication of a policy gap. Companies

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Choose from 45 free continuing education (CE) courses created by Texas doctors and available 24/7 online. Topics include ethics, mental health, infant and maternal health, autism, child trafficking, childhood obesity and immunizations.

Register now for free CE courses at TXHealthSteps.com. Content on the Texas Health Steps Online Provider Education website has been accredited by the American Nurses Credentialing Center, Texas Medical Association, National Commission for Health Education Credentialing, Texas State Board of Social Worker Examiners, Accreditation Council for Pharmacy Education, and The University of Texas Health Science Center at San Antonio Dental School Office of Continuing Dental Education. Continuing education for multiple disciplines will be provided for some online content.

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