You were really looking forward to being pregnant. Now that you are,
congratulations! But wait a minute. Now this life-changing event is
beginning to cause you to doubt yourself, possibly even doubt your ability
to move forward with the safe pregnancy and delivery you envision.
Too often, women find that the healthcare they receive comes with a
lack of clear communication, too little information about their bodies or
conditions, and a lack of a personal relationship with their obstetrician.
Many women don’t know the kinds of information they need to make good
decisions about their pregnancy in cooperation with their doctors. Knowing
what questions to ask will have a positive and meaningful impact on the
choices women make to create the kind of pregnancy they want.
I encourage you to ask questions of those charged with working with
you through your pregnancy and delivery. It’s all about empowering
yourself to create the pregnancy and delivery outcomes you want. I hope
the answers to the following common questions about pregnancy help you
let go of some of your fears so you can enjoy this life-changing event.

Interview Your Obstetrician
On your first initial interview with your obstetrician, ask how many
babies he or she has delivered. Experience is especially important in
obstetrics. A physician who has delivered 1000 babies will be more
practiced in the art of medicine than a physician who has delivered 100
babies. It’s okay to accept care from the less-experienced doctor. However,
just be sure you feel comfortable and trust this physician.

Who am I to be asking questions of my doctor?
Navigating the world of pregnancy and delivery will most certainly result
in your having hundreds of questions. One of the most important decisions
you will make is choosing the best obstetrician for you. Keep in mind that a
good working relationship with your obstetrician is a critically important step
to establishing your peace of mind. Unfortunately, many doctors see
pregnant women as numbers, not individuals. That is why women must
advocate for themselves and choose an obstetrician with whom they feel
comfortable. I suggest interviewing several to find the right fit. Here are five
questions I recommend asking before committing your pregnancy care to a
doctor.

Five Questions to Ask Your Obstetrician
Will you be the one delivering my baby?
Often, the obstetrician you’re working with may not be the one to deliver
your baby because many hospital obstetricians work on rotation in delivery
rooms (called the doc on deck). Asking this question allows you to
understand who will be with you during your delivery. After investing time in
finding an obstetrician whom you feel comfortable with, you will want to
make sure that physician will be at the delivery. If you like your obstetrician
and he or she can’t guarantee being with you during delivery, consider
asking to meet some of the other obstetricians who might be there so you
will at least recognize familiar faces.

Will I be allowed to have my support team in the birthing room with me?

You will need an advocate, someone to represent you, your wishes,
and your best interests. This is a relationship that begins with your
pregnancy and lasts throughout your delivery and postpartum. Ask your
obstetrician if he or she is willing to work with another professional in the
delivery room such as a midwife or a doula.
If you want your partner or a doula in the birthing room with you, this is a
crucial question to ask your doctor. Hospitals vary on who they will allow to
be with a woman in labor. Obstetricians vary on who they will allow in the
delivery room. The time to ask these questions is on your first visit to your
obstetrician.

What is your C-section rate?
If you want to avoid delivering your baby by C-section (and I
recommend you do), then you should ask your obstetrician on your initial
interview how many C-sections he or she has performed. When I was a
resident 40 years ago, the normal C-section rate for an obstetrician was 11
percent. Today a physician’s C-section rate should be around 15 percent. If
it’s greater than this (especially if it hovers around 30 percent) you should
consider interviewing other obstetricians if you want to avoid a C-section.
C-sections are the most common surgery in the U.S., and cost nearly
twice as much as vaginal deliveries. Consumer Reports collects
information about the rate of C-sections at various hospitals (these
rates can vary considerably). Be sure to ask your prospective obstetrician
about his or her personal rate of C-sections and the overall hospital rate for
C-sections.


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Kim Tillinghast

Principal, Partner

Kim Tillinghast began her career in the banking industry in 1985. She graduated with a degree in Finance from West Texas State University in 1990 and has continued her education by earning her Series 24 General Securities Principal Exam and Certified Plan Fiduciary Advisor (CPFA™). Shortly thereafter she started her brokerage career at a traditional wirehouse in downtown Los Angeles, California in 1991. After relocating to Orange County, Kim became an independent financial advisor in May of 1993. She brings over 37 years in the banking and finance industry with experience ranging from designing, developing, employing and maintaining complex investment strategies, Pension Plans, Employee Stock Option Plans, Corporate Finance, Estate Planning and Transition. Outside of her career, she served as Co-Chair of the Dallas County Susan G. Komen Race for the Cure 2013 and 2014 and currently serves on the Board of the Tillinghast Society, Inc. With a deep love for animals, she continues to volunteer for multiple emergency animal response teams including Red Rover, HSUS, UAN, ASPCA and volunteers weekly at the Irving Animal Shelter. Kim also loves worldwide adventure travel and has many amazing experiences visiting almost half of the world’s countries and all seven continents, twice.

Karthik Muraliraj

CFP®, ChFC®, CLU®, RMA®, Partner

Karthik Muraliraj was raised in Fort Worth, Texas, and developed an interest in investing and economics at a young age. After graduating from the University of Texas at Austin with a Bachelor of Arts in Economics and a minor in Business, he started his career as a financial professional in 2008. Throughout his career, Karthik has continued to educate himself by gaining multiple designations. Since moving to Dallas, he has been an active member in the community—volunteering with organizations such as the network of Indian Professionals, Dallas Autumn Ball and Reading Partners. Karthik is an avid sports fan and enjoys supporting his alma mater as a proud member of the Texas Exes Dallas Chapter. In his free time, Karthik enjoys cooking, travel, fitness and spending time with this wife, son, dog, and cat.

Crystal Arredondo

MBA, CDFA®, CPFA™, Partner

Crystal Arredondo was born and raised in Germany. She moved to Texas following her parents’ decision to retire after serving an overseas career in the Armed Forces. Seeing firsthand the difficult transition to civilian life after retirement, Crystal obtained her MBA in Finance at the University of North Texas and began her career as a financial advisor. In 2009, she completed the Retirement Planning Specialist Program at the Wharton School of Business, University of Pennsylvania. In 2018, she earned her designation of Certified Divorce Financial Analyst® (CDFA®). In 2022, she earned the additional designation as a Certified Plan Fiduciary Advisor (CPFA™). As the daughter of an immigrant mother, she especially enjoys helping women and business owners make decisions that affect their financial independence. She served as the 2015-16 Chair for the National Association of Women Business Owners (NAWBO) and 2016-17 Chair for the NAWBO Institute of Entrepreneurial Development.

Philip Strunk

CFP®, CPA, Partner

Philip Strunk is a native of Houston, TX. Philip earned his Bachelor of Business Administration and Masters in Professional Accounting from the University of Texas at Austin’s McCombs School of Business. He earned his designation as Certified Public Accountant (CPA) in 2004 and CERTIFIED FINANCIAL PLANNER (TM) certification in 2010. Having started his career with Deloitte & Touche, LLP in 2005, Philip spent a year and a half in Deloitte’s Audit and Assurance Services group and provided a variety of financial services for a number of Fortune 500 companies. He decided in late 2006 that his talent and passion for investments were best suited for working with smaller groups and individuals. After obtaining the required securities registrations and insurance licenses, Philip became a financial advisor. The impact was plainly visible and more fulfilling. Philip serves as the Investment Director for MPACT.

John C. Farris

CAP®, CFS®, Partner

John C. Farris is a founding partner and has more than forty years in both public and private business serving in a variety of management and leadership capacities. John completed the Retirement Planning Specialist Program at the Wharton School of Business at the University of Pennsylvania earning the Retirement Planning Specialist designation. John and his family have a history of philanthropic giving through numerous non-profit organizations. John recently completed his designation as a Chartered Advisor in Philanthropy® (CAP®). He is also a member of The International Association of Advisors in Philanthropy. His primary goal is to help people give intelligently with love and thereby experience the true joy of helping others. John lives in Park Cities and has served on the Public Works Advisory Council, as finance director of the BSA West Park District, the BSA Troop 82 Executive Board, and as a BSA Assistant Scoutmaster for Troop 82, Dallas, Texas.