In this episode of the Doctors Eyes Only® podcast, Vestia Personal Wealth Advisors Partner and CEO, Lauren Oschman, CFP®, CDFA®, and Partner and Chief Growth Officer, Kameron Helmuth, CFP®, ChFC®, break down the ideal tax strategies physicians should consider before a major financial windfall.Whether it’s from a private equity buyout, a real estate sale, a business exit, or an unexpected inheritance, many physicians will face a potential high-stakes liquidity event at some point in their career, and we’ve found that few feel truly prepared when it happens. This episode is your step-by-step guide to preparing before the check hits your account.You’ll learn how physicians can:• Anticipate and manage tax liability on practice sales or investment payouts• Use tools like QSBS, donor-advised funds, and tax loss harvesting to their advantage• Maximize tax-efficient retirement savings in a windfall year• Reassess risk and rebalance portfolios strategically after sudden wealth• Align post-exit planning with core values and long-term goalsListen now and learn why the right moves made early can protect your wealth, minimize your tax bill, and set the stage for true financial freedom.#physicianfinance #TaxPlanningForDoctors #Taxes #physicians #FinancialPlanningForPhysicians #podcast

In this powerful episode of Doctor’s Eyes Only, Vestia Partner and CEO, Lauren Oschman, CFP®, sits down with fellow Vestia Partner and Financial Advisor Jacquelyn Denson to break down one of the most emotionally charged and financially complex decisions physicians face: changing jobs. Whether you’re facing burnout, rethinking your priorities, or simply curious about your market value, this conversation provides the clarity and strategy doctors need before making a move.

From understanding tail coverage and bonus repayment to evaluating intangible factors like values alignment and support at work, Lauren and Jacquelyn help you assess whether to stay or go, and how to do it wisely.

This is essential listening for physicians who want to ensure career changes don’t derail long-term goals. If you’re considering a job change or relocation, tune in before signing that next contract. Learn how to evaluate your current compensation, uncover hidden costs of leaving, and create a personalized plan with eyes wide open. Because financial planning for physicians is more than just numbers, it’s about building Wealth That Matters®.

Tap the link for the Physician Wealth Check-up https://www.vestiaadvisors.com/deo/

In this episode of Doctors Eyes Only, Vestia Partner and CEO Lauren Oschman, CFP® welcomes Dr. Devon Gimbel, a physician-turned-points-and-miles strategist who has become a trusted voice in the physician community through her platform, Point Me to First Class. Devon specializes in helping doctors and other high-income professionals use credit card points to create intentional, memorable travel experiences, without compromising their financial goals.

This episode is a must-listen for physicians who want to make smarter use of their existing spending, personally and within their practices. Lauren and Devon explore how to use strategic credit card rewards to supplement or replace out-of-pocket travel costs, optimize business expenses, and better align financial decisions with personal priorities. You’ll also hear Devon’s story of transitioning from practicing physician to educator and entrepreneur, and why this has resonated so deeply in the medical community.

To learn more about Devon’s work, visit her website at pointmetofirstclass.com, follow her on Instagram at @pointmeto_firstclass, or tune into her podcast, Point Me to First Class, where she shares strategies tailored to physicians and high-income households.

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