Roxanne When Does the Cost Match the Risk June 2026

Most optometrists make risk decisions every day without labelling them as such. Insurance decisions are rarely about absolutes. They are about trade-offs. Which risks are worth transferring and which are better carried?

With summer vacations being on everyone’s mind, travel bookings are a good example. The choice between a non‑refundable rate and a fully refundable one is something we have all contemplated.

The Scenario

A recent search for an August weekend in Banff illustrates this well. The promotional, non‑refundable rate came in at $834. The fully refundable option was $950.

That decision point offers a useful lens for thinking about insurance more broadly, particularly when the stakes move from discretionary spending to income protection.

Putting a Price on Flexibility

The $116 upcharge represents roughly 14% of the base room rate.

In effect, the hotel is offering insurance against a specific risk: the possibility that plans change. Illness, weather, family needs, or simple timing conflicts could make the trip impractical. Paying more converts uncertainty into flexibility.

Many travelers accept this trade‑off without hesitation. The dollar amount is known, the risk is easy to understand, and the downside of losing the full $834 feels tangible and uncomfortable.

What about the Alternative?

The loss being insured is finite. If for some reason you don’t get to Banff, you have lost out on your pre-paid rate of $834. The financial impact is contained. Nevertheless most of us will still be irritated by “throwing that money away”, despite the fact that it’s not likely to alter our long‑term financial plans.

Still, the market price for that certainty is clear: about 14%. And you may be willing to throw away the $116 in case you do have to cancel.

Scaling the Same Logic to Income

Now consider a very different risk.

Imagine you earn about $160,000 of self-employed income. How much do you and your family depend on your ability to earn this income? What would happen if you suddenly found yourself not just unable to attend your Banff vacation, but you actually land in the hospital because you’ve become seriously injured or ill? It won’t just take away your August weekend but takes you out of your work for six months or more.

NOTE: this income equates to about $100,000 of after tax annual insurable benefit.

What’s the Cost?

This is not an extreme scenario. Statistics Canada data consistently show that working Canadians face a one in three probability of disability lasting longer than 90 days during their careers, with a smaller but very real subset experiencing long‑term or permanent impairment.

Applying the same 14% “insurance cost” logic used in the hotel example produces a striking comparison.

Fourteen percent of a $100,000 annual benefit is $14,000 per year.

Most optometrists would immediately recognize this as far higher, up to 4x higher, than typical disability insurance premiums for that level of coverage, even with robust definitions and long benefit periods.

Why the Comparison Feels Uncomfortable

The discomfort isn’t mathematical. It’s behavioural.

We are generally more willing to pay a visible premium to protect a known, short‑term expense than to commit to ongoing premiums for a lower overall‑claim probability, high‑impact risk, even when the latter carries far greater financial consequence.

A cancelled trip is easy to picture. A long-term disability is abstract, emotionally distant, and uncomfortable to contemplate. As a result, the value of the insurance protecting against it is often discounted, even when the pricing is far more favourable on a proportional basis.

In the Banff example, the insurer (the hotel) is charging 14% to protect a few days of discretionary spending. In the disability example, insurers often charge a much smaller percentage of about 3% of the insured benefit to protect a decade or more of core income.

Risk You Can Absorb vs. Risk You Can’t

This contrast highlights an important distinction: not all risks deserve the same treatment.

Many optometrists can comfortably absorb the loss of an $834 hotel room. Cash flow may be dented, but life goes on. The loss does not compound, and it does not threaten future earning capacity.

Income loss from disability is different. It affects not only spending, but savings, debt servicing, practice viability, and long‑term independence. It is also difficult to self‑insure without very substantial capital already in place.

From a proportionality standpoint, disability insurance is often protecting something far more critical at a lower relative cost than many everyday “insurance‑like” decisions.

The Quiet Role of Behavioural Comfort

This isn’t an argument against refundable hotel rooms. Comfort has value, and certainty can be worth paying for, particularly when plans involve family or limited travel windows.

Rather, the comparison invites reflection. Many routinely pay double‑digit percentages to insure modest, temporary risks, while hesitating over single‑digit percentages to insure the asset that underpins everything else: your ability to earn.

That gap often has less to do with economics and more to do with what feels immediate and relatable.

A Proportional Way to Think About Insurance

Looking at insurance decisions through a proportional lens can bring clarity:

  • How large is the potential loss?
  • How long would the impact last?
  • What percentage of the protected value am I paying to transfer the risk?

When framed this way, the question shifts from “Is this premium expensive?” to “Is this risk one I can realistically afford to assume?”

For many optometrists, the answer differs sharply between cancelled travel plans and prolonged loss of income.

A Grounded Takeaway

The Banff hotel example is not about travel. It’s about perspective.

When a 14% upcharge to protect a weekend getaway feels reasonable, it creates a useful benchmark for evaluating how we price certainty elsewhere in our financial lives. Disability insurance, viewed through the same proportional lens, often reveals itself not as costly protection, but as comparatively efficient risk transfer.

And that realization tends to come not from fear, but from calmly comparing what we insure, how much we pay, and what truly matters if plans don’t go as expected.

Have more questions? We’re here to help.

Roxanne Arnal is a Certified Financial Planner®, Chartered Life Underwriter®, Certified Health Insurance Specialist, former Optometrist, Professional Corporation President, and practice owner. She is dedicated to empowering individuals and their wealth by helping them make smart financial decisions that bring more joy to their lives.

This article is for information purposes only and is not a replacement for personalized financial planning. Errors and Omissions exempt.

ROXANNE ARNAL,

Optometrist and Certified Financial Planner

Roxanne Arnal graduated from UW School of Optometry in 1995 and is a past-president of the Alberta Association of Optometrists (AAO) and the Canadian Association of Optometry Students (CAOS). She subsequently built a thriving optometric practice in rural Alberta.

Roxanne took the decision in 2012 to leave optometry and become a financial planning professional. She now focuses on providing services to Optometrists with a plan to parlay her unique expertise to help optometric practices and their families across the country meet their goals through astute financial planning and decision making.


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Diana Monea article AI and EMR Integrated into an Optometric Practice

Optometry has evolved from paper files to digital records, from phone calls to virtual communication, and in the future, perhaps even to robots (bots) assisting humans. Every day, innovation takes on a new dimension as artificial intelligence (AI) is integrated into electronic medical record (EMR) systems. The future of communication and diagnostics in eye care remains uncertain: will AI replace parts of what we do, or simply help us work more efficiently, more accurately, and at lower cost while improving the patient experience?

  1. AI Reduces Office Time, Improves Documentation, and Enhances the Patient Experience

AI can capture the doctor–patient conversation and generate clinical notes automatically. Unlike basic dictation tools, more advanced systems can organize information into the appropriate sections such as chief complaint, history, exam findings, assessment, and plan.

AI can also support tasks such as:

  • Billing and coding support
  • Documenting diagnostic impressions and recommended next steps

Used well, these tools can improve the patient–doctor experience. The clinician can stay more present with the patient, while reducing clerical workload and documentation interruptions. This can also help reduce clinician burnout by making charting more seamless and efficient at the point of care, reducing the need for after-hours documentation.

2. Integrating AI and EMR

When AI outputs can be structured and integrated into an optometry EMR, the system can help identify patterns and automate repetitive, but necessary, tasks. Depending on the platform and workflow, AI-enabled EMR integration may support:

  • Prescriptions and documentation support
  • Referrals and communication templates
  • Treatment plan tracking and management
  • Patient education materials based on clinical findings
  • Interpretation support and clinical prompts
  • Revenue cycle support
  • Analytics and reporting

With thoughtful integration, the EMR can begin to function less like a passive record and more like an active clinical assistant.

3. AI Imaging as Clinical Support

OCT, fundus photography, corneal topography, and visual field data can be analyzed using AI models trained on large datasets. Applications may include:

  • Diabetic retinopathy screening
  • Glaucoma risk and progression monitoring
  • AMD risk stratification and progression tracking
  • Corneal irregularity detection
  • Automated comparison of serial scans

AI-powered support tools may also combine imaging with clinical measurements such as intraocular pressure, pachymetry, and refraction. These tools are not a replacement for clinical judgment, but they can add a layer of insight and help flag subtle changes that are easy to miss in busy practice.

4. AI’s Impact on Practice Management

Administrative inefficiencies are a major source of stress and cost in many practices. AI-enabled systems can assist with:

  • Insurance claim submission, verification, and follow-up
  • Coding support, rejection handling, and resubmissions
  • Appointment scheduling, reminders, and recall workflows

By reducing errors and repetitive front-desk work, AI can free staff to focus on higher-value patient service and practice operations; helping reduce administrative burden and improve consistency.

5. Patient Communication

AI can improve patient understanding and satisfaction by:

  • Providing personalized summaries of findings
  • Explaining recommendations and outcomes in plain language
  • Generating visuals or simplified graphics that help patients understand their results
  • Supporting appointment booking and capturing patient concerns ahead of visits
  • Providing relevant pre-visit or post-visit information for recommended procedures

Practice bonus: when patients are better informed, they are often more confident and more compliant, leading to smoother visits, fewer misunderstandings, and a stronger overall experience for patients, staff, and clinicians.

6. Standardization Through AI and EMR Connectivity

A major advantage of AI is its potential to integrate with EMR systems more seamlessly than older workflows. Historically, many EMRs operated in silos, requiring manual entry and increasing the risk of transcription errors.

With tighter device-to-EMR integration, key data, such as refractions, visual acuities, intraocular pressure measurements, and imaging results, can populate charts automatically. This reduces redundancy, improves accuracy, and supports standardization across the clinical team.

7. The Advantage of an AI-Enhanced Practice

When documentation, scheduling, coding, and routine analysis are partially automated, optometrists gain time to do what matters most: be human. That means having more capacity to educate, reassure, and build trust without sacrificing the operational demands of modern practice.

The future of optometry will be shaped by clinicians who use AI strategically to enhance care, reduce burnout, and elevate the patient experience. Practices that adopt AI, and integrate it effectively into their EMR, will be better positioned to improve efficiency, strengthen resilience, and pursue clinical excellence in the face of tomorrow’s practice challenges.

 

 

Dr. Diana Mae Monea, OD, FAAO, MHRM

Dr. Diana M. Monea, OD

Dr. Diana M. Monea is an award-winning optometrist, author, and keynote speaker with more than four decades of leadership in clinical practice, business ownership, and professional education. Founder and former CEO of Eye Health Centres, she now focuses on consulting, mentorship, patient care, and public speaking.


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Jade Bodzasy article The Paper Trail of Frustration

You know that feeling. It’s the end of a grueling day of back-to-back refractions, and you’ve just finished with a particularly challenging patient. You sit down at your computer, exhausted and perhaps a bit annoyed. In that high-pressure moment, your Electronic Medical Record (EMR) often becomes an unintended outlet for your stress.

It is incredibly easy for your internal state, whether it’s frustration or pure exhaustion, to “leak” into your documentation. But we live in an era where patients have immediate legal access to every word you type. Because of this, your ability to pivot from an emotional reaction to a neutral, EQ-informed observation isn’t just a nice “soft skill”, it’s a professional necessity.

The Trap of “Emotional Leakage”

Emotional Intelligence (EQ) starts with your own self-awareness. In the context of note-writing, this means catching yourself when your current mood is steering your keyboard. When you’re frustrated, your notes tend to shift from objective observations to subjective judgments.

Keep an eye out for these “red flag” words that signal emotional leakage:

  • “Difficult”
  • “Uncooperative”
  • “Demanding”

These terms don’t actually provide clinical value; they just serve as a digital “vent.” The real danger is the Bias Echo. These labels can follow a patient indefinitely, creating a cycle where every technician or specialist who sees that chart next approaches the patient with the same preconceived frustration you felt.

The Legal Reality: Your Patient is Reading

The medical record has evolved. It’s no longer a private, “behind-the-scenes” dialogue between professionals; it is a shared document. Thanks to patient portals, your patients can—and do—read your notes.

Imagine a patient reading a note that characterizes their behavior as “aggressive” or “hostile.” If they were acting out because they were terrified of losing their vision or didn’t understand the procedure, reading those words can be traumatizing. Once that therapeutic alliance is fractured by a poorly worded note, the professional repercussions are real. A note written in a moment of pique can quickly become primary evidence of perceived bias.

Your New Skill: Neutral Reframing

The core EQ skill you need to master is Neutral Reframing. This is the process of taking the “raw data” of a frustrating interaction and stripping away the emotional adjectives to reveal the clinical facts. You aren’t omitting what happened; you are describing it with such objectivity that the behavior speaks for itself.

Restoring Relational Clarity

When you choose neutral language, you achieve Relational Clarity. You are documenting the truth of the encounter while protecting your professional integrity. Most importantly, you are leaving the door open for a successful interaction next time. A neutral note gives the next professional a baseline to solve the problem (like improving drop ergonomics) rather than just bracing themselves to manage a “difficult” person.

Documentation as a Human Skill

Your success in eye care is increasingly defined by your human skills. High-EQ record keeping is an act of discipline. It requires you to pause, acknowledge your own frustration, and choose a narrative that serves both the patient’s health and your own career longevity. Feelings are temporary, but the record is permanent.

Is Your Team Prepared for the “Open Notes” Era?

Mastering neutral, high-EQ record keeping is essential for protecting your practice and fostering patient trust. I help eye care professionals and team leaders build the relational clarity needed to thrive in high-pressure environments.

Learn more at: www.emotionalintelligenceconsultinginc.com

 

Jade Bodzasy

Jade Bodzasy

Jade Bodzasy, Founder of Emotional Intelligence Consulting Inc., is a dedicated Coach and Consultant for Optometric Practices. Her extensive background includes over 20,000 hours of expertise focused on customer relations, work structure refinement, training method development, and fostering improved work culture within Optometric practices.

Certified in Rational Emotive Behavior Techniques (REBT), Jade possesses a unique skillset that empowers individuals to gain profound insights into the origins of their behaviors, as well as those of others. Leveraging her certification, she equips optometry practices with invaluable resources and expert guidance to establish and sustain a positive, healthful, and productive work environment.


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Revenue RX podcasts

Public speaking is not just what happens on a stage. In optical retail, it happens every day, every time someone walks into the clinic and you begin a conversation.

In this episode of Revenue RX, I look at how public speaking techniques can help optical teams communicate with more confidence, build trust faster, and guide customers toward better eyewear decisions.

Communication Is Your Competitive Advantage

With AI becoming part of everyday business, human connection matters more than ever. You can use AI to help craft an email, but when you are face to face with a patient or customer, you need to rely on your own presence, confidence, knowledge, and ability to respond in the moment.

Yes, how you sound and how you present yourself matters. Professionalism matters. But what matters even more is whether the customer sees you as the source of information they need.

That is where confidence really begins.

Great communication is not about being the loudest person in the room. It is not about trying to impress someone. It is about shifting the focus away from yourself and toward the person in front of you. Instead of asking, “How do I look?” or “Do they like me?” ask, “What does this person need from me right now?”

That one shift changes everything.

Speaking to Strangers Starts with Presence

Engaging strangers can feel awkward at first. But in optical retail, this is part of the job. Customers are coming in with a need: vision, comfort, fashion, confidence, or sometimes uncertainty. Your role is to open the conversation in a way that feels natural and helpful.

That can start with a positive attitude, a smile, eye contact, and relaxed body language. It may begin with a simple introduction, a compliment, or a shared topic. In the optical business, there is always something to work with: their current eyewear, their vision needs, their lifestyle, or what brought them in that day.

Open-ended questions are especially powerful. A yes-or-no question can end a conversation quickly. A better question invites the customer to explain, share, and participate. That is how trust begins.

Public Speaking Skills in the Dispensary

The same skills that make someone effective in front of an audience can make an optical professional more effective in the dispensary.

Clear speech helps customers understand lens options, coatings, frame features, and pricing without confusion. Good pacing and pauses help you stay calm, especially with an indecisive or frustrated customer. Natural eye contact builds credibility. Reading body language helps you recognize hesitation, confusion, or interest.

Storytelling also matters. A short example about how a lens helps with night driving, screen fatigue, or all-day comfort can make technical information easier to remember. A story behind a frame designer or product choice can create emotional connection.

And just like a strong speaker ends with a clear call to action, an optical professional should guide the customer toward a next step: “Would you like to try these frames?” or “Shall we move forward with these lenses today?”

Trust Comes from Knowledge

Credibility is built through honesty, authenticity, and expertise. When you know your products, your recommendations carry weight. When you understand the customer’s needs, your guidance feels personal rather than rehearsed.

People can sense when you are comfortable in your own skin. They can also sense when you are simply trying to push a transaction. The goal is not to perform. The goal is to connect.

Public speaking, at its best, is not about making yourself important. It is about making the listener feel important. That is also true in optical retail.

When you bring presence, clarity, warmth, and useful information to the conversation, you create a better customer experience. And better experiences lead to stronger trust, higher conversion, and more revenue.

Listen to the full episode of Revenue RX to learn how public speaking techniques can help optical teams communicate more clearly, connect more authentically, and improve performance in the dispensary.

 

Joseph Mireault

Joseph Mireault

Joseph Mireault, Optical Entrepreneur, Business Coach, and Published Author.

Joseph was the owner and president at Tru-Valu Optical and EyeWorx for 16 years. During his tenure, he consistently generated a sustainable $500K in annual gross revenue from the dispensary.

He now focuses on the Optical industry, and as a serial entrepreneur brings extensive experience from a variety of different ventures.

Joseph is also a Certified FocalPoint Business Coach and looks to work directly with ECPs in achieving their goals.

Through his current endeavour, the (Revenue RX, Optical Retail Wins podcast) he shares the challenges and solutions of running an Optical business.

His insights are shared with optical business owners aspiring for greater success in his new book,  An Entrepreneur’s Eye Care Odyssey: The Path to Optical Retail Success.”  


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Article by Roxanne Arnal Niche Focus What Boutique Eyecare Can Teach Us About Better Financial Planning

Walk into a boutique eyecare practice and the difference is easy to feel. The environment is considered, the offerings are curated, and the experience reflects a clear sense of purpose. These practices are not designed to meet every possible need. Instead, they focus intentionally and that becomes their defining strength.

This idea of niche targeting has reshaped how many optometric practices operate. Less obvious, but just as important, is the way the same concept can shape financial decision-making.

Clarity in Decision-Making

A well-defined niche can simplify the way decisions are made.

When a practice has a clear focus, choices around equipment, staffing, and continuing education often align more naturally. Instead of weighing competing priorities, optometrists can evaluate whether a decision supports the core direction of the practice.

This does not make decisions easy, but it often makes them clearer. Financially, that can lead to more deliberate capital allocation, with investments reflecting strategy rather than circumstance.

More Predictable Revenue

As a practice becomes known for a specific area of care, patient demand often becomes more defined. Referral patterns can strengthen, and marketing efforts tend to be more precise. Over time, this can create a steady flow of patients seeking your particular services.

More Intentional Growth

In a generalist model, growth can sometimes feel reactive, shaped by opportunities as they arise, even when they pull the practice in different directions.

While no practice is fully predictable, greater consistency can make it easier to:

  • Plan reinvestment in the clinic
  • Structure financing decisions
  • Manage cash flow with more confidence

The result is often more disciplined growth, with fewer competing priorities.

With less variability, financial planning can feel more grounded.

A Clearer Approach to Risk

Narrowing focus can initially feel like adding risk. There may be concern about relying too heavily on one area of care.

In practice, the trade-offs are more balanced.

While niche targeting concentrates certain aspects of the business, it can also reduce risks tied to inefficiency, overextension, or inconsistent demand across multiple services. Risk is not eliminated, but it becomes more defined.

For optometrists who already have significant exposure through business ownership, this clarity can support more measured decisions in personal investment strategies where diversification often plays a larger role.

Supporting Long-Term Planning

Financial planning for optometrists tends to be layered and evolving. Early career decisions often centre on managing debt and building flexibility. Mid-career years may involve practice growth, partnerships, and reinvestment. Later stages typically shift toward succession and transition planning.

Niche targeting can support these transitions by providing a steady foundation.

When a practice has a clear identity and operational focus, it becomes easier to:

  • Plan for future capital needs
  • Evaluate partnership opportunities
  • Structure eventual exit strategies
  • Translate business value into retirement income

When so much of your personal wealth is tied to your practice, that added focus can make long-term outcomes feel more predictable.

A More Structured Path Forward

Niche targeting is often viewed as a practice management decision, but its implications extend further. The same principles—clarity, alignment, and intentional decision-making—are equally relevant on the financial side.

For many optometrists, working with someone who has lived through the lifecycle of a practice can change the nature of financial conversations. Rather than approaching decisions in isolation, planning can be framed around how clinical focus, business strategy, and personal finances interact over time.

We understand what it means to align personal decisions more closely with the realities of practice ownership.

In much the same way boutique practices have demonstrated the value of niche focus in patient care, a similar approach in financial planning can provide a steadier framework for navigating an otherwise complex landscape.

Over time, that alignment can support what many optometrists are ultimately working toward: not just growth, but clarity, confidence, and a greater sense of control over how their practice and financial life evolve together.

 

Roxanne Arnal is a Certified Financial Planner®, Chartered Life Underwriter®, Certified Health Insurance Specialist, former Optometrist, Professional Corporation President, and practice owner. She is dedicated to empowering individuals and their wealth by helping them make smart financial decisions that bring more joy to their lives.

This article is for information purposes only and is not a replacement for personalized financial planning. Errors and Omissions exempt.

 

ROXANNE ARNAL,

Optometrist and Certified Financial Planner

Roxanne Arnal graduated from UW School of Optometry in 1995 and is a past-president of the Alberta Association of Optometrists (AAO) and the Canadian Association of Optometry Students (CAOS). She subsequently built a thriving optometric practice in rural Alberta.

Roxanne took the decision in 2012 to leave optometry and become a financial planning professional. She now focuses on providing services to Optometrists with a plan to parlay her unique expertise to help optometric practices and their families across the country meet their goals through astute financial planning and decision making.


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Article Jade Bodzasy Work–Life Balance Through the Enjoy, Evolve, Earn Philosophy

For women professionals in eyecare, work–life balance often feels like a moving target. The demands are real: clients and colleagues need you, family depends on you, and your own ambitions keep pushing you forward. Yet in the pursuit of supporting everyone else, women frequently put their emotional well-being last.

But work–life balance isn’t about doing less. It’s about doing life, and work, with more emotional intelligence, clearer boundaries, and a stronger sense of self-leadership. This is where the Enjoy, Evolve, Earn (EEE) Philosophy becomes a powerful guide. When women apply the principles of Enjoy, Evolve, and Earn to their daily professional reality, balance becomes less about juggling tasks and more about designing a sustainable, fulfilling career.

Let’s look at just a few emotional-intelligence-driven strategies for women in practice who want to strengthen their work–life balance in 2026 and beyond.

1. ENJOY: Build a Career You Can Actually Breathe In

Enjoyment in the workplace is not a luxury, it is a strategic advantage. When you enjoy your work, you bring forward clearer thinking, better communication, and stronger problem-solving. But enjoyment doesn’t magically appear; it grows from intentional emotional awareness.

Tip: Build “micro-moments of enjoyment” into your workday.

You don’t need a vacation to enjoy your career; sometimes you just need a reset. Women in practice often wait until things are overwhelming before they pause.

Ask yourself: “What are the parts of my career I currently enjoy and how can I increase them or stager them throughout my day?”

These practices rebuild emotional energy throughout the day instead of waiting for the weekend to recharge.

2. EVOLVE: Strengthen the Skills That Support Balance

If Enjoy is about emotional awareness, Evolve is about emotional strategy, choosing behaviours that support your long-term well-being and leadership.

Tip: Evolve how you approach your Continuing Education.

Women frequently carry invisible emotional loads in the workplace, managing their own responsibilities while also supporting the emotional needs of colleagues, clients, or even leaders. This is often where imbalance begins.

One of the strongest EQ strategies is mastering your career education trajectory.

Ask yourself: “Am I finding Continuing Education that supports my ability to manage my client, colleague and collaborator interactions effectively?”

This small, intentional act of shaping your education around what you truly need, especially a more balanced relationship between work and life, creates a quiet form of protection. It helps prevent emotional outsourcing by making you aware of where others try to pull you into their stress. In that awareness, you remain grounded, steady in your own values, and aligned with goals that are genuinely yours.

3. EARN: Create Results Without Sacrificing Yourself

The third pillar of the EEE philosophy, Earn, is about professional impact. But for women, earning isn’t only about revenue; it’s about earning influence, earning trust, and earning longevity in your career.

Tip: Measure success through alignment, not exhaustion.

The women who rise are not the ones who grind the hardest, they are the ones who allocate their energy intelligently. Rest is not separate from productivity; it is a requirement for it. Recovery time strengthens emotional resilience, deepens creativity, and enhances your ability to show up at your best.

Ask yourself: “Is everything I do connected to impacting my career goals? Or am I filling my time with things that take my energy because I view exhaustion as success?”

Your career should grow alongside your well-being, not at its expense. When you Enjoy your work, Evolve your habits, and Earn through emotionally intelligent leadership, you create a career that supports, not drains, your life.

Conclusion

Work–life balance is not a destination; it’s a journey of intentional emotional intelligence. And women who adopt the EEE philosophy don’t just balance better—they lead better, feel stronger, and build careers that support long-term fulfillment.

If you’d like support bringing EEE and Emotional Intelligence training into your organization, or into your own practice, I’d be happy to help you build a path forward.

Jade Bodzasy

Jade Bodzasy

Jade Bodzasy, Founder of Emotional Intelligence Consulting Inc., is a dedicated Coach and Consultant for Optometric Practices. Her extensive background includes over 20,000 hours of expertise focused on customer relations, work structure refinement, training method development, and fostering improved work culture within Optometric practices.

Certified in Rational Emotive Behavior Techniques (REBT), Jade possesses a unique skillset that empowers individuals to gain profound insights into the origins of their behaviors, as well as those of others. Leveraging her certification, she equips optometry practices with invaluable resources and expert guidance to establish and sustain a positive, healthful, and productive work environment.


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Revenue RX podcasts

This article only scratches the surface. In the full Revenue RX episode, I break down what coaching really is — and why building a coaching culture can become your strongest competitive advantage.

If you’re looking to gain clarity, improve leadership, and unlock growth in your optical business, listen to the full episode now.

Why Entrepreneurs Need an Outside Perspective

Running a business can be isolating.

As an owner, you’re making decisions every day — often without a sounding board. You’re solving problems, managing people, thinking about growth, and trying to stay ahead of challenges… all at the same time.

Here’s a thought:
If every day comes down to solving problems or making decisions, wouldn’t it make sense to have someone in your corner helping you prioritize both?

That’s where coaching comes in.

It’s not about being told what to do. It’s about having someone who asks the right questions, challenges your thinking, and helps you see what’s coming before it becomes a problem.

Coaching Is an Intervention — And That’s a Good Thing

Let’s be clear about something.

Coaching is an intervention.

That doesn’t mean something is broken. It means you’re ready to make a change.

In many cases, the signs are already there:

  • Revenue has plateaued or declined
  • Staff turnover is increasing
  • Conversion rates are lower than they should be
  • Customer feedback is slipping
  • Or you simply don’t know what separates you from the competition

Sometimes it’s not even a metric — it’s a feeling. You know there’s more potential in your business, but you’re not sure how to unlock it.

Coaching helps bring those issues into focus and turns them into actionable priorities.

What Gets in the Way of Coaching

If coaching is so valuable, why doesn’t everyone do it?

Because it requires something many business owners struggle with: change.

Avoidance, fear of confrontation, resistance to accountability, or even the belief that “things will work themselves out” — these are common barriers.

Then there’s the question of cost.

But here’s a different way to look at it:

What is the cost of not making changes?

What is the cost of:

  • High employee turnover
  • Low conversion rates
  • Declining traffic
  • Micromanagement
  • Missed opportunities sitting right in front of you

When you look at it that way, the investment in coaching often becomes much easier to justify.

Understanding the Real Value of Coaching

Value isn’t just about revenue.

It’s also about:

  • Building a stronger business culture
  • Retaining better employees
  • Creating more time to work on the business
  • Achieving a healthier work-life balance
  • Having a trusted advisor to challenge your thinking

Coaching provides something that’s hard to find elsewhere: independent perspective without bias. A non-equity partner focused entirely on helping you grow.

Building a Coaching Culture

The real advantage comes when coaching becomes part of your business culture — not just a one-time engagement.

When done right, coaching:

  • Improves staff engagement
  • Encourages accountability
  • Strengthens leadership
  • Drives better decision-making
  • And creates a structure for consistent growth

It shifts the focus from reacting to problems… to proactively building solutions.

The Right Mindset for Coaching

To get the most out of coaching, you have to show up the right way.

That means being:

  • Open to new ideas
  • Willing to be honest about challenges
  • Prepared to do the work

Because here’s the reality:
A coach doesn’t do the work for you.

They don’t hand you the answers.
They help you find them.

Think of it this way — they don’t give you the fish.
They teach you how to fish.

Why Coaching Becomes a Competitive Advantage

Every successful business relies on external expertise — accountants, lawyers, advisors.

Coaching fits into that same category, but with a broader impact.

It connects insight to action.
It creates clarity where there’s confusion.
And it helps you use your time more effectively — which is ultimately what drives growth.

In the optical business, where the balance between clinical care and retail performance is critical, that clarity becomes a true differentiator.

The Bottom Line

Success in business isn’t accidental.

It comes from making better decisions, solving the right problems, and continuously adapting to change.

A coaching culture supports all of that.

It gives you structure, perspective, and accountability — and when those elements come together, the result is confidence, control, and sustainable growth.

Joseph Mireault

Joseph Mireault

Joseph Mireault, Optical Entrepreneur, Business Coach, and Published Author.

Joseph was the owner and president at Tru-Valu Optical and EyeWorx for 16 years. During his tenure, he consistently generated a sustainable $500K in annual gross revenue from the dispensary.

He now focuses on the Optical industry, and as a serial entrepreneur brings extensive experience from a variety of different ventures.

Joseph is also a Certified FocalPoint Business Coach and looks to work directly with ECPs in achieving their goals.

Through his current endeavour, the (Revenue RX, Optical Retail Wins podcast) he shares the challenges and solutions of running an Optical business.

His insights are shared with optical business owners aspiring for greater success in his new book,  An Entrepreneur’s Eye Care Odyssey: The Path to Optical Retail Success.”  


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Roxanne April 2026 article on Fraud

Most optometrists are comfortable managing clinical risk and business uncertainty. What feels different today is how convincingly fraud now presents itself, often polished, familiar, and timed to moments when attention is stretched thin.

In a recent article from Investment Executive, Canadians lost over $704,000,000 to fraud in 2025, affecting individuals across age groups and professions. The takeaway isn’t that fraud is rare or fringe. It has become routine and increasingly sophisticated.

Why scams feel harder to spot

Fraud has evolved alongside technology. Advances in artificial intelligence now allow scammers to create messages that closely resemble legitimate communications. Emails that match branding. Texts that sound conversational. Even phone calls that replicate a familiar voice.

Unfortunately, that makes traditional warning signs such as poor grammar, awkward phrasing, obvious inconsistencies no longer reliable filters. Many scams now succeed because they look reasonable and arrive at moments when quick decisions feel efficient.

Urgency is still the pressure point

Despite the technology, the underlying tactic hasn’t changed. Fraud works best when it introduces urgency: a payment that must be made immediately, an account that needs instant verification, or a problem that can’t wait.

The key to protecting you from loss is something deceptively simple: slowing down. Taking even a brief pause often creates enough distance to recognize when a request doesn’t feel quite right.

For many professionals, this mirrors clinical judgment. When something is out of pattern, it’s worth taking a second look rather than assuming the most convenient explanation.

Five habits that reduce risk without adding complexity

1) Pause before you act
If a message pressures you to act immediately, take a breath. Legitimate organizations rarely demand instant action without allowing verification.

2) Verify independently
Never rely on contact details provided in an unexpected email, text, or voicemail. If your bank, investment firm, or service provider contacts you, use a phone number or website you already know (or one you locate independently) to confirm before responding.

3) Don’t let “perfect-looking” messages reassure you
AI has made scam emails and texts look polished and professional. Reviewing the full sender name and domain still helps. When in doubt, treat unsolicited messages as suspicious.

4) Protect personal and financial information like cash
No legitimate organization will ask for passwords, one‑time codes, or full account details via email, text, or unsolicited phone call. Once that information is gone, it can be difficult to recover.

5) Talk about scams
Fraud thrives in silence. Sharing information about new scam patterns with family, friends, and colleagues reduces stigma and can prevent others from being pulled in.

Why optometrists are often targeted

Optometrists and their clinics tend to be visible professionals, with easy to access online presence. You and your team are busy and it’s easy to “click” in the moment trying to be efficient in our day. This can create predictable opportunities for impersonation or timing‑based scams.

This doesn’t suggest vulnerability. It simply highlights why routine verification processes matter, particularly for payment requests or changes to financial instructions.

Instinct is part of risk management

A recurring theme in fraud cases is hindsight clarity. Many people report that something “felt off” but seemed easier to proceed than to question it. That instinct is worth respecting.

Fraudsters rely on people being busy, distracted, or hesitant to ask questions. There is little downside to double‑checking, especially when the cost of acting too quickly can be significant.

How strong systems reduce risk

Effective fraud prevention is less about dramatic controls and more about disciplined process. Limiting access to sensitive information, using secure platforms and trusted partners, and slowing down when requests fall outside normal patterns all reduce exposure.

Ongoing staff training and regular testing further reinforce this culture of caution. Fraud prevention works best when it’s treated as an operational norm rather than an occasional reminder.

Slow Down

As scams become more convincing, the most reliable defenses remain human: pausing, verifying, and being willing to ask one more question. Those small moments of restraint often make the difference between a routine day and a costly mistake.

 

Roxanne Arnal is a Certified Financial Planner®, Chartered Life Underwriter®, Certified Health Insurance Specialist, former Optometrist, Professional Corporation President, and practice owner. She is dedicated to empowering individuals and their wealth by helping them make smart financial decisions that bring more joy to their lives.

This article is for information purposes only and is not a replacement for personalized financial planning. Errors and Omissions exempt.

ROXANNE ARNAL,

Optometrist and Certified Financial Planner

Roxanne Arnal graduated from UW School of Optometry in 1995 and is a past-president of the Alberta Association of Optometrists (AAO) and the Canadian Association of Optometry Students (CAOS). She subsequently built a thriving optometric practice in rural Alberta.

Roxanne took the decision in 2012 to leave optometry and become a financial planning professional. She now focuses on providing services to Optometrists with a plan to parlay her unique expertise to help optometric practices and their families across the country meet their goals through astute financial planning and decision making.


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Beyond the Exam Room: Dr. Mishee Goyal on Optometry After Graduation OSI sponsored post April 2026 two women in a clinic

When Dr. Mishee Goyal began her optometry career, she booked one patient an hour. Not because she moved slow in the exam room, but because of everything else around her. OHIP questions. Referral workflows. File completion. The operational rhythm of running an actual clinic. “Surprisingly, it wasn’t the exam itself or the clinical testing that proved challenging,” she says. “It was everything outside of that.”

Optometry school teaches you how to examine eyes. It does not teach you how to carry the weight of a functioning clinic all at once. That integration is what defines the first real year out of school.

Now practising in Ontario since 2015, Dr. Goyal runs Blink Better Optometry in Burlington, a cold-start clinic she is building from scratch. What she learned in those early months forms a clearer picture of what the profession actually demands beyond the exam lane—and what new graduate optometrists would be wise to understand early.

What to Expect After Optometry School

Before graduating, billing is one subject. Patient communication is another. Clinical technique is its own stream. And that’s the difference between optometry school and real practice—the latter isn’t so compartmentalized.

The one-patient-per-hour approach gave her time to see these connections forming instead of being buried by them. But a second decision changed how her clinic actually operated. She asked her staff to stop silently fixing recurring workflow breakdowns and start flagging them instead. Problems began getting solved at the root rather than patched over every afternoon.

The clinical knowledge holds. The operational knowledge must be built deliberately. Graduates who build it fastest are the ones who treat it as a discipline in its own right, rather than something to figure out on the fly.

What Patients Actually Need from You

But while the operational side can be systematised, the human side of patient care is less predictable. It’s something Dr. Goyal took a deliberate effort to develop.

Early on, it was tempting to stay facing the computer and type while talking to patients. She made a conscious decision to stop, now turning her body fully toward the patient when speaking. She asks non-clinical questions before and during the exam, about work, family, what’s happening in their life outside the chair. She learned to pause and let silence sit rather than rushing to fill it.

“Even something as simple as saying, ‘That sounds really stressful,'” she says. “Those moments matter so much.”

Every patient brings their own story into the exam room: grief, illness, stress, and life transitions. Learning how to connect and show empathy can play a big part in making the correct diagnosis.

How to Manage Administration in Optometry

These human connections are what turn first-time visits into long-term patient relationships. It requires presence, but presence that isn’t always so easy to find in your first year.

Files, referrals, reports—the volume starts on day one and doesn’t ease up. Many new graduates find themselves working past their last appointment just to stay current, often while learning a new EMR platform at the same time.

“You have to learn to adapt quickly,” Dr. Goyal says. “Those breakdowns can be stressful, especially early in your career.”

Her solution was to stop trying to complete every chart perfectly during the appointment. She separated clinical time from documentation time, dedicating a block at the end of the day to finishing files. She also invested time in learning basic equipment troubleshooting—changing a slit lamp bulb, recalibrating minor issues, managing small tech disruptions without calling for service. All of it reduced the daily friction that makes managing an optometry clinic demanding in those first few years.

Having the right technology helps, too. Dr. Goyal uses Optosys, OSI’s optometry practice management software, which consolidates her EMR, billing, and workflow systems into one platform, reducing the scattered administrative work that once stretched into her evenings. When systems don’t speak to each other, you become the bridge between them—and that invisible labour is what often burns new graduates out fastest.

Building Your Optometry Support Network Early

Of course, streamlining workflow and choosing the right tools requires judgment most new graduates are still developing. And judgment is difficult to build in isolation.

“You can’t do this job alone,” Dr. Goyal says.

Early in her career, before she had a formal advisory structure around her, she was deliberate about ensuring she didn’t operate alone. She maintained group chats with a small circle of optometrist friends she trusted—a mix of clinical questions, operational questions, and the kind of honest conversations that are hard to have with people who don’t understand the work.

She was also fortunate to practise in a multi-doctor setting where she could walk down the hall and ask a quick question when something came up. Even company representatives became a resource. They interact with dozens of clinics and can offer perspective that isn’t visible from inside a single practice.

But the biggest shift, she says, was internal.

“Isolation often comes from the belief that you’re supposed to have all the answers. Once I accepted that growth involves uncertainty, asking for help became easier.”

What Structured Optometry Business Support Looks Like

When Dr. Goyal began planning her cold-start clinic, there were many unknowns.

“Clinically, we may feel confident,” she says. “But on the business side of optometry practice, it’s a completely different world.”

With that uncertainty in front of her, she reached out to the OSI Group and was paired with Practice Advisor Jas Ryat, a dedicated coach who works one-on-one with independent optometrists during key transition points like ownership and expansion.

What followed wasn’t a one-off consultation, but rather an ongoing working relationship. She found guidance on business formation, a sequenced approach to operational decisions, and support in evaluating technology with long-term implications.

Jas was someone who had seen the process before—her expertise turned what could have been months of guesswork into informed choices. And behind that advisory relationship sat the OSI Group itself, functioning as a single access point for the all the big questions: choosing an EMR, evaluating business structures, or how to start a cold-start optometry clinic. They also help find the right specialist when a specific issue requires deeper expertise.

“If they don’t have the answer immediately, they guide you to someone who does,” she says.

What She’d Tell You Now

If she could go back to her first year, Dr. Goyal wouldn’t change her decisions. She’d change how she carried them. “I felt like I needed to know everything. Every billing rule, every referral pathway, every clinical nuance. When I didn’t, I doubted myself.” What she knows now is that no one arrives with all the answers, and no one is expected to. The graduates who thrive are the ones who give themselves permission to grow into the role rather than expecting mastery on day one.

Part of that growth, she says, is seeing how other people do it. “Work in at least two different practices early in your career.” Not for the CV line, but because seeing how different clinics handle operations and patient flow gives you a foundation for knowing what you’d build yourself. “Enjoy the ride,” she adds. “Optometry keeps evolving, the scope keeps expanding, and you’ll never be bored.”

Support For New Optometry Graduates Starts Here

The transition from school to practice doesn’t require you to choose between excellent patient care and sound operations. With the right optometry business support, you can build both from the beginning.

Clinical skill gets you started. Support, systems, and guidance help you sustain momentum.

Ready to turn inspiration into action?

Connect with a Practice Advisor to explore your next step—whether that’s starting an optometry practice, evaluating opportunities, or asking the right questions early.

Reach out to Jas Ryat at jryat@opto.com and begin shaping what’s next.


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