Physicians are navigating significant changes in how care is paid for and delivered. In this Doctors Eyes Only episode, Vestia Partner and CEO Lauren Oschman, CFP®, CDFA®, talks with Ian M. Thompson III, MD, MBA, a third-generation urologist and founder of Urology Locums, about the business mechanics behind medicine. They discuss why understanding RVUs, the Medicare physician fee schedule, and the split between professional fees and facility fees is important for maintaining autonomy, income stability, and quality patient care.

The conversation covers financial planning for physicians and wealth management for doctors, including the tradeoffs among hospital employment, private practice, and private equity. They also discuss aligning incentives with patient care, managing overhead, and using models like direct primary care to support access and sustainability. Additional topics include physician advocacy, contract strategy, innovation in practice structure, and physician retirement planning with a long-term focus and greater control.

For physicians who want to better understand the financial and operational systems that shape their work, this episode provides a clear look at the business of medicine and how to connect career decisions with Wealth That Matters®.

Thinking about locum tenens but not sure where to start? In this Doctors Eyes Only episode, Vestia Partner & CEO Lauren Oschman, CFP®, CDFA® sits down with Ian M. Thompson III, MD, MBA, a third-generation urologist and founder of Urology Locums, to demystify how locums really works for physicians. They cover when locums makes sense, how contracts are structured (flat day rates vs. base plus callback), what hospitals actually pay, and how to protect your value when agencies insert big margins. Dr. Thompson also shares the administrative realities he sees on the hospital side and why the best programs are designed for physician autonomy.

You will hear practical guidance for financial planning for physicians: treating 1099 income like a real business, lining up malpractice and an LLC, understanding AR and collections timelines, and partnering with the right tax and financial team. The conversation explores how locums can help physicians pay down medical school debt faster, test markets before a permanent move, bridge a job gap, and even reshape physician retirement planning by reclaiming time now instead of deferring all joy to “someday.”

If you have wondered whether you need an agency, what “name-clearing” traps to avoid, or how to negotiate confidently, this episode is your field guide. Learn how a physician-led locums model can improve access to care and pay doctors fairly from a urologist-founder who built it.
To find more information about Ian M. Thompson MD and Urology Locums, https://www.urologylocums.com/about-us

Welcome to the Doctors Eyes Only podcast, where this week we are continuing right where we left off in our last episode, “Doctors & The New Tax Bill: What Actually Changes?” In that conversation, Vestia Partner and CEO Lauren Oschman, CFP®, CDFP®, and Partner and Chief Growth Officer Kameron Helmuth, CFP®, ChFC®, reviewed key highlights of the OBBBA tax legislation and how those changes could impact physicians. This week, after a brief introduction from Lauren, Kameron takes a deeper dive into one of the most physician-relevant areas of the law: depreciation strategies.

He walks through the return of 100 percent bonus depreciation, how cost segregation studies can support more precise tax planning, and when physicians might consider using these tools. The conversation is especially helpful for private practice owners, real estate investors, and physicians seeking to manage taxable income while aligning financial decisions with long-term goals.

Subscribe to Doctors Eyes Only on your favorite podcast app or on YouTube to stay up to date on financial strategies built specifically for physicians.

Keywords: financial planning for physicians, private equity for doctors, physician retirement planning, financial planning for women physicians, tax planning for doctors, bonus depreciation, cost segregation, wealth management for doctors.

In this episode of Doctors Eyes Only, Vestia Partner and CEO Lauren Oschman, CFP® and Vestia Partner and Chief Growth Officer Kameron Helmuth, CFP®, ChFC® unpack the One Big Beautiful Bill Act and translate it into physician-specific tax planning decisions. They explain why most doctors will see only modest changes on the personal side and where attention is needed.

For physicians’ personal taxes, they cover:

· The “indefinite” elimination of the 39.6% top bracket

· SALT cap adjustments (and why income phaseouts still apply)

· New charitable giving limits (and how donor-advised funds can help)

· Expanded 529 flexibility for K–12 and test prep starting in 2026

· A higher estate tax exemption (~$15M per person in 2026, indexed thereafter)

For practice owners, they address:

· 100% bonus depreciation

· Cost segregation studies and timing considerations for 2025

· Coordinating tax moves with quarterly estimates and cash flow

· Pass-through entity tax (PTET) to offset limits from SALT caps

· The return of R&D credits and the importance of working with a CPA

This episode outlines where physicians, whether in private practice, academics, or dual-physician households, may want to adjust tax planning and which areas can remain unchanged.

For questions about how these tax changes apply to your situation, consult with your CPA or financial advisor. If you are not currently working with an advisor who specializes in physicians and their unique needs, connect with the team at Vestia to explore how these strategies fit into your financial plan.

Keywords: financial planning for physicians, wealth management for doctors, physician tax planning, private practice tax strategies, physician retirement planning, private equity for doctors.

Student loan rules are changing again. In this episode of Doctors Eyes Only, Vestia CEO Lauren Oschman, CFP®, CDFA® talks with Vestia Financial Advisor Chris Robbins, CFP® about how the recent “One Big Beautiful Bill Act” impacts physicians with federal student loans.

Topics covered include:

• • • Public Service Loan Forgiveness (PSLF) remains available for physicians working at nonprofit hospitals and academic institutions.
    • The SAVE plan is being eliminated. RAP (Repayment Assistance Plan) is expected to take its place, while older plans like PAYE, REPAYE, and ICR will be phased out by July 2026.
    • IBR remains an option, with payments based on either 15 percent or 10 percent of discretionary income depending on when the loans originated. After 2026, IBR will no longer be available for new borrowers.
    • SAVE forbearance months do not count toward PSLF, unlike COVID forbearance. Chris explains how physicians can return to qualifying repayment plans.
    • The buyback program may allow borrowers to make up missed or disqualified payments after completing 120 months of qualifying employment, but its future is uncertain.
    • Best practices include submitting employer certification forms annually and using the Loan Simulator at studentaid.gov to review repayment options.
    • Refinancing through private lenders may make sense for some physicians, though federal protections and PSLF eligibility are lost once loans are moved out of the federal system.

If you are a physician with questions about student loan repayment, PSLF eligibility, or refinancing, connect with our team at www.vestiaadvisors.com/contact/.

#FinancialPlanningForPhysicians #StudentLoansForDoctors #PhysicianRetirementPlanning #WealthManagementForDoctors #PSLF #WomenPhysicians #PhysicianFinance

In this powerful episode of Doctors Eyes Only, Vestia CEO Lauren Oschman, joins guest host and Vestia President Brad Quick to sit down with orthopedic surgeon, women’s health advocate, and international ballroom dancer Dr. Adrienne Towsen.

Dr. Towsen courageously shares her journey from raising two daughters as a single mom during residency, to navigating the burnout and financial strain of a private equity takeover in orthopedic practice, and ultimately walking away after nearly two decades in the field. In response to these challenges, she co-founded The Working Mom, a platform supporting women in healthcare, and authored Navigating the Life Cycle of Working Moms in Healthcare to remind physician moms that they are not alone. She also reveals how ballroom dancing unexpectedly became her passion, offering balance, joy, and renewed purpose as she designed her next chapter.

This inspiring conversation is a testament to resilience and reinvention, and a powerful reminder to physicians that stepping away from an unsustainable path can open the door to true Wealth That Matters®.

🔗 Stay connected with Dr. Adrienne Towsen:

• LinkedIn: Adrienne Towsen, MD
• Instagram: @medical_working_moms
• The Working Mom Platform: theworkingmom.us
• Navigating The Lifecycle of Working Moms in Healthcare: Buy the book here!
  

#PhysicianBurnout #WomenInMedicine #WorkingMom #OrthopedicSurgeon #PrivateEquityMedicine #DoctorLife #PhysicianWellness #BallroomDancing #PhysicianMoms #WealthThatMatters

Feeling stretched too thin? In this episode of The Doctors’ Eyes Only podcast, Lauren Oschman CFP® CDFA® talks with Dr. Sasha Shillcutt, Founder and CEO of Brave Enough and author of Brave Boundaries, about how physicians can reclaim their time, energy, and joy.You’ll hear: • Why burnout often starts with unclear or nonexistent boundaries • How to reframe boundaries as a way to “keep the good in,” not push people out • Practical strategies to set and maintain boundaries without guilt, at work and at home • Communication tools to make boundaries clear to colleagues, patients, and family • How boundaries are essential to achieving your Wealth That Matters® in time, energy, and relationshipsWhether you’re a physician feeling the early warning signs of burnout, or you’re already overcommitted and ready for change, this conversation will equip you with actionable tools to protect what matters most, your well-being.⸻Resources from Dr. Sasha Shillcutt: • Brave Boundaries – Learn the language, strategies, and mindset to set healthy boundaries without guilt → Buy the book • Brave Enough – Courses, coaching, community, and resources for women physicians → Visit becomebraveenough.com • Brave Enough Women’s CME Conference – September 25–28, 2025 | Scottsdale, AZ → Register here⸻About the Host:Lauren Oschman CFP® CDFA® is CEO of Vestia Personal Wealth Advisors, a financial firm specializing in helping the highest-caliber physicians achieve Wealth That Matters®.

#PhysicianBoundaries #WomenPhysicians #PhysicianWellbeing #DoctorBurnout #WorkLifeBalance #PhysicianLife #WealthThatMatters #VestiaAdvisors #BraveBoundaries #BraveEnough

In this episode of the Doctors Eyes Only podcast, Vestia CEO Lauren Oschman, CFP®, CDFA® sits down with Amanda Baron, a Nashville-based Realtor and the wife of a physician, who brings a unique perspective to the real estate challenges medical families face. Amanda shares how her own experience relocating for her husband’s medical career inspired her to specialize in helping physician families not only find a home, but also feel truly connected to their new community.

Amanda discusses how she supports physician families relocating from out of state, many of whom are juggling packed clinical schedules, overnight call shifts, and limited flexibility to travel. Because physicians often cannot leave their current responsibilities to house hunt, it’s common for one spouse, often with young kids in tow, to lead the process alone. In many cases, the physician doesn’t see the home until after closing. Amanda describes how she steps in to bridge that gap by educating and guiding families remotely. She serves as their boots on the ground, evaluating commute routes for emergency access, checking internet reliability for telehealth and charting, and identifying local resources to support physician lifestyles. Her approach blends logistical expertise with deep empathy, ensuring both partners feel confident and supported throughout the transition.

Lauren and Amanda explore how physician-specific mortgage strategies can align with a family’s financial plan. Amanda explains how she helps physician clients secure builder incentives while using these special loan programs, and how those choices can fit into broader goals such as building equity or preparing a home to become a future rental property. They also discuss how neighborhood dynamics, school systems, and community support play a critical role in setting physician families up for success, especially when moving to a new city without an established network.

Amanda shares more about her podcast, Behind the White Coat, which she created to provide real talk and support for other physician spouses navigating the ups and downs of medical life. She’s passionate about making sure no physician family feels isolated in their journey and is building a growing network of connection and encouragement.

To learn more or connect with Amanda:

• Visit ABTNHomes.com

• Follow Amanda on Instagram @AmandaBaronRealtor

• Listen to her podcast Behind the White Coat

Subscribe to Doctors Eyes Only for more episodes focused on financial planning and life strategy tailored for physicians and their families.