Doctors Eyes Only

In this special Doctors' Day edition of Doctor’s Eyes Only, the Vestia team comes together to say what too often goes unsaid: Thank You.This episode is a heartfelt tribute to the physicians who show up every day with courage, compassion, and a deep commitment to care, often at great personal sacrifice. You’ll hear real, personal stories from our team about how doctors have touched our lives and the lives of our loved ones in extraordinary ways. From ICU miracles to quiet moments of support, these stories, also featured on our social media throughout the week, are our way of honoring the humans behind the white coat.Because while the world may see your title, your uniform, or your expertise, we see you.And we know: Without you, it’s just a coat.#DoctorsDay #WithoutYouItsJustACoat #PhysicianAppreciation #ThankYouDoctors #DoctorsEyesOnly #VestiaVoice #WealthThatMatters

In this episode of Doctor’s Eyes Only, Vestia Partner and CEO Lauren Oschman, CFP®, CDFA®, and Partner & Chief Development Officer Forrest Friedow co-host alongside special guest Michael DiJoseph, CFA, Senior Manager at Vanguard’s Investment Advisory Research Center. Together, they explore Advisor’s Alpha, a research-backed concept from Vanguard that quantifies the value financial advisors provide beyond just investment selection.The discussion covers how Vestia financial advisors help doctors make better financial decisions, avoid common investment pitfalls, and stay on track with their long-term goals. Mike shares insights from decades of industry research, illustrating how behavioral coaching, tax strategies, and personalized financial planning can add measurable value to a physician’s financial future.Topics Covered in This Episode:How the role of financial advisors has evolved beyond stock picking.What Advisor’s Alpha means and how it quantifies advisor value.The impact of behavioral coaching on physician investment decisions.How emotions and market fluctuations influence financial choices.The role of values-based financial planning in long-term success.Why doctors, despite being data-driven, can benefit from financial guidance.Resources Mentioned:Learn more about Wealth That Matters® and financial planning for physicians at Vestia Personal Wealth Advisors.Vanguard’s research on Advisor’s Alpha and investment behavior.Keywords for SEO:Financial planning for doctorsAdvisor’s Alpha VanguardPhysician financial advisorsBehavioral coaching in investingInvestment strategies for doctorsTax-efficient investingWealth That Matters®Retirement planning for physiciansEnjoyed the episode? Follow and subscribe to Doctor’s Eyes Only for more insights on physician wealth and financial planning!

In this episode of Doctor’s Eyes Only, in this episode Vestia CEO Lauren Oschman, CFP®, CDFA®, speaks with Dr. Kristine Goins, a board-certified integrative adult and pediatric psychiatrist and founder of Nomad MD. Dr. Goins shares her experience transitioning from a traditional physician career to one that allows for more flexibility in work and travel.Dr. Goins explains how she structured her career to work remotely two days a week while traveling and how physicians in various specialties can explore alternative work arrangements. She discusses considerations for shifting career paths, the role of financial planning in creating flexibility, and different ways physicians can structure their work to align with their personal goals.Topics Covered in This Episode: The impact of physician burnout and ways to create more balance. Different career paths that offer more flexibility in work schedules and location. Financial planning considerations for physicians looking to make a career change. Ways physicians in hands-on specialties can explore remote or hybrid work opportunities. The role of mindset in transitioning to a different career structure.Resources Mentioned: Connect with Dr. Kristine Goins: Instagram | Facebook | Website Learn more about Wealth That Matters® and financial planning for physicians at Vestia Personal Wealth Advisors.Keywords for SEO: Physician financial planning Career alternatives for doctors Remote work for physicians Physician burnout and work-life balance Wealth That Matters® Financial flexibility for doctors Locum tenens vs. full-time physician work Telemedicine opportunities for physicians Non-clinical career paths for doctorsEnjoyed the episode? Be sure to follow and subscribe to Doctor’s Eyes Only so you never miss an insightful conversation!

In this episode of Doctor's Eyes Only, Lauren Oschman sits down with Dr. Kelly Wright, known as "Points and Miles Doc," to explore how physicians can leverage points and miles to enhance their travel experiences while reducing financial stress. Dr. Wright, a minimally invasive gynecologic surgeon and creator of Points and Miles Doc, shares her insights on how physicians can use travel rewards to combat burnout and create meaningful experiences outside of their busy practices.Dr. Wright explains the basics of points and miles, from optimizing credit cards for earning rewards to using points for luxurious vacations that would otherwise be out of reach. She dives into the benefits of flexible points, how to work backwards from your dream trip, and the long-term financial benefits of mastering this strategy. Whether you're looking for a quick getaway or a bucket-list vacation, this episode will inspire you to travel smarter and enrich your life without breaking the bank.For physicians looking to get started, Dr. Wright offers advice on how to build a travel rewards strategy that fits your lifestyle and goals. She even shares her own journey from using points to reduce everyday travel costs to funding unforgettable adventures with her family.Tune in for practical tips, motivational insights, and a fresh perspective on using your spending to enhance both your personal and professional life. Thank you for watching and listening, and be sure to subscribe and follow Doctor’s Eyes Only where ever you find your favorite podcasts, for more insightful episodes released every other week. And don’t forget to leave a review—let us know what you loved most about this episode! If you have questions, please reach out to myteam@vestia.com, or visit our website at www.vestiaadvisors.com. Thanks and we will see you next time!Recourses mentioned in the episode by Dr. Kelly Wright, the Points and Miles Doc.https://www.pointsandmilesdoc.com/Instagram @pointsandmilesdochttps://www.flightconnections.com/https://frequentmiler.com/#PhysicianLife #TravelHacking #DoctorLife #PointsAndMiles #PhysicianTravel #TravelRewards  #TravelTipsForDoctors #PhysicianFinance #wealththatmatters 

Welcome back to another episode of the Doctor’s Eyes Only podcast! In this follow-up to last week’s episode, Vestia Personal Wealth Advisors Partner and CEO, Lauren Oschman, CFP® and Partner and Chief Development Officer Forrest Friedow, dive deep in the five core values that guide Vestia’s mission to help physicians achieve Wealth That Matters®. Lauren and Forrest break down how Vestia’s values aren’t just words on a wall—they are the foundation for how the team serves doctors, supports each other, and fosters financial success for physicians. In this episode, they explore:- Give A Surplus – Why going the extra mile is essential in physician-focused financial planning.- Never Let Them Guess – The power of clear, proactive communication (including how Radical Candor has transformed the way Vestia operates).-  Raise Your Hand – How stepping outside your comfort zone leads to professional and personal growth.- Model Wealth That Matters® – Why the best financial advisors lead by example, prioritizing time and relationships over money.- Fly the V Formation – The importance of teamwork, collaboration, and lifting each other up to go further together. If don’t already, make sure you: - Subscribe to Doctor’s Eyes Only for expert financial insights tailored to physicians.- Share this episode with a doctor who could benefit from values-driven financial advice.- Contact the Vestia Team at myteam@vestia.com to learn how we help doctors achieve Wealth That Matters®. 00:00 Introduction to Vestia's Mission 09:43 Core Values of Vestia 9:65 Value 1: Give a Surplus 16:30 Value 2: Never Let Them Guess 21:30 Value 3: Raise Your Hand 30:01 Value 4: Model Wealth That Matters 38:36 Value 5: Fly the V Formation Financial planning for doctors Wealth management for physicians Physician financial advisors Investing strategies for doctors Retirement planning for physicians How physicians can achieve work-life balance Doctor wealth-building strategies Physician career and money management

In this episode of the Doctor’s Eyes Only podcast, Vestia Personal Wealth Advisors Partner and CEO Lauren Oschman and Partner and Chief Development Officer Forrest Friedow explore the concept of Wealth That Matters® and its profound significance for physicians. Together, they discuss how financial and life planning intersect, emphasizing the importance of trust, accountability, and personalized guidance in navigating the unique challenges physicians face. Lauren and Forrest tackle critical topics, including the impact of physician burnout on personal and financial well-being, the subjective and objective aspects of wealth, and why time and meaningful relationships are key components of a life well-lived. Drawing on their extensive experience, they offer practical insights for doctors seeking advisors who truly understand their needs and can help them achieve their goals. Thank you for watching and listening, and be sure to subscribe and follow Doctor’s Eyes Only for more insightful episodes released every other week. And don’t forget to leave a review—let us know what you loved most about this episode! If you have questions, please reach out to myteam@vestia.com, or visit our website at www.vestiaadvisors.com. Thanks and we will see you next time! #PhysicianFinance #physicianwealth #wealththatmatters #Doctors #physicians #financialadvisor #wealthmanagement 

In this engaging episode of the Doctor’s Eyes Only podcast, host Brad Quick sits down with Dr. Derick Davis, a pain management fellow at Brigham and Women's Hospital and the creator of the World of Pain MD podcast. Together, they discuss Dr. Davis's journey into pain management, his international path through medical school in Ireland, and what inspired him to dive into the world of podcasting during his medical training. Dr. Davis shares insights about the demands of balancing fellowship and creative pursuits, what drew him to pain medicine, and how his podcast provides a platform to explore diverse perspectives on pain and its management. Key highlights of the episode include: Dr. Davis's Journey: From medical school in Dublin to training at Emory and Brigham and Women’s Hospital. The Allure of Pain Medicine: Why Dr. Davis chose this field and how it combines musculoskeletal neurology, imaging, and patient relationships. Podcasting as a Physician: What inspired World of Pain MD, challenges faced, and the value of amplifying diverse voices. Educational Opportunities: The impact of attending the IEP Pain Management course and its practical tools for early-career physicians. Defining Wealth That Matters®: Dr. Davis’s personal take on wealth as freedom and meaningful relationships. Whether you’re curious about pain management, podcasting, or navigating the early stages of your medical career, this episode offers plenty of inspiration and practical advice. Resources Mentioned: Dr. Derick Davis’s Podcast: World of Pain MD (Found wherever you listen or watch your favorite podcasts) Connect with Us: If you enjoyed this episode, please subscribe and leave a review. Have questions or suggestions? Reach out to our team at myteam@vestia.com.

In this episode of Doctor’s Eyes Only, host Brad Quick sits down with orthopedic surgeon and healthcare innovator Sharat Kusuma to discuss his inspiring journey from the operating room to leading change in the healthcare industry. Sharat shares how family legacy, mentorship, and continuous learning shaped his career path, transitioning from clinical practice to roles at major companies like Apple and Exactech, and now as a leader at Joint Medica. Discover the pivotal role clinicians can play in healthcare leadership and the importance of improving user experience in medical technology. Sharat also dives into the exciting potential of hip resurfacing as an alternative to traditional hip replacements and offers valuable insights on how physicians can positively impact healthcare systems. The conversation concludes with Sharat’s personal take on success and wealth, highlighting the balance between meaningful work and personal fulfillment. Whether you're a clinician, healthcare leader, or innovator, this episode is packed with actionable takeaways and inspiration for shaping the future of healthcare. Thank you for watching and listening, and be sure to subscribe and follow Doctor’s Eyes Only where ever you find your favorite podcasts, for more insightful episodes released every other week. And don’t forget to leave a review—let us know what you loved most about this episode! If you have questions, please reach out to myteam@vestia.com, or visit our website at www.vestiaadvisors.com. Thanks and we will see you next time! #OrthopedicSurgery #HealthcareLeadership #MedicalInnovation #HipResurfacing #ClinicianLeadership #HealthcareSystems #UserExperienceInMedicine #OrthopedicTechnology #WorkLifeBalance #DoctorsEyesOnlyPodcast

Have you ever wondered how private equity is transforming the world of physician practice sales? On this episode of Doctor’s Eyes Only, Vestia Partner and CEO Lauren Oschman sits down with Dana Jacoby, the CEO at Vector Medical Group, LLC. Dana is a national thought leader in healthcare and business with extensive experience in private equity and mergers. With a career that spans multiple roles at major healthcare corporations and includes strategies for medical practices across the U.S. and internationally, Dana brings her wealth of experience in healthcare mergers and acquisitions to help demystify how private investors are reshaping medical practice ownership—and what this means for you. Lauren and Dana dive into why private equity firms are drawn to medical practices, the opportunities and challenges they bring, and how physicians can navigate these deals with confidence. Dana explains that private equity involves high net worth individuals investing in private businesses, hoping for a return in 3-7 years. From accessing growth capital to negotiating better terms, Dana shares actionable strategies to help you protect your interests and create lasting wealth. Whether you’re thinking about selling your practice, looking to offload administrative burdens, or exploring ways to build generational wealth, this episode is packed with insights tailored for physicians. Plus, we discuss why having the right advisors in your corner—including healthcare-focused attorneys—is key to achieving a successful outcome. For more information about Dana and Vector Medical Group, be sure to visit their company website at www.vectormedicalgroup.com, And you can follow Dana Jacoby on LinkedIn at https://www.linkedin.com/in/dljacoby/.  Thank you for watching and listening, and be sure to subscribe and follow Doctor’s Eyes Only where ever you find your favorite podcasts, for more insightful episodes released every other week. And don’t forget to leave a review—let us know what you loved most about this episode! If you have questions, please reach out to myteam@vestia.com, or visit our website at www.vestiaadvisors.com. Thanks and we will see you next time! #PrivateEquity #MedicalPracticeSales #PhysicianWealth #SellingAPractice #PracticeOwnership #HealthcareInvestments #PhysicianFinancialPlanning #GenerationalWealth #PhysicianEntrepreneurs #DoctorsEyesOnlyPodcast

Thank you for tuning in to this episode of Doctor’s Eyes Only, where Vestia Partner Cameron Heasley sits down with Dr. Brian McVay, a dedicated anesthesiologist from Tampa, Florida, who has launched a groundbreaking new venture: MediDoc Pro.  Dr. McVay’s personal experiences, particularly one that involved his mother, and other frustrations of accessing vital patient information in emergency situations, inspired him to create this innovative portal system. MediDoc Pro allows physicians immediate access to patients’ advanced care directives and critical medical data, using a simple yet secure QR code technology.  The conversation explores Dr. McVay’s entrepreneurial journey, from overcoming the steep learning curve of software development to navigating legal and technical challenges. He shares the highs and lows of launching a business while balancing his demanding medical career and family commitments. Listeners will gain insights into how Dr. McVay stays motivated and dedicated, even using his post-call days to push the business forward, while also preserving quality time with his loved ones. Dr. McVay opens up about the core values that guide him, rooted in faith and family, and explains how he lives out the concept of Wealth That Matters®—putting Christ first and sharing meaningful experiences with his family, like learning Bible verses together. He also offers advice for aspiring physician-entrepreneurs, highlighting the importance of resilience, strategic thinking, and surrounding yourself with the right expertise. This episode is packed with wisdom and practical takeaways and we are confident that all of our physician audience will leave inspired by Dr. McVay’s story and journey.  For more information about MediDoc Pro, be sure to visit the website at www.medidocpro.com, and to reach Dr. McVay you can email him at brian@medidocpro.com.  Thank you for watching and listening, and be sure to subscribe and follow Doctor’s Eyes Only where ever you find your favorite podcasts, for more insightful episodes released every other week. And don’t forget to leave a review—let us know what you loved most about this episode! If you have questions, please reach out to myteam@vestia.com, or visit our website at www.vestiaadvisors.com. Thanks and we will see you next time! #MediDocPro #HealthcareInnovation #MedicalData #PatientSafety #EmergencyPreparedness #Anesthesiology #PhysicianEntrepreneur #StartupJourney #FaithAndFamily #WorkLifeBalance #WealthThatMatters #DoctorPodcast #HealthTech

In this episode of Doctor's Eyes Only, Partner and President Brad Quick sits down with Todd Davis, a seasoned expert with over 30 years experience in the Orthopedic industry, and founder of TDOrtho Consulting. Todd shares valuable insights on how surgeons can distinguish themselves for consulting roles, emphasizing the importance of effective communication, a strong network, and a proactive mindset. As the orthopedic industry shifts toward smaller, agile companies, Todd discusses the future of product development. He also offers advice for surgeons with innovative ideas, to protecting intellectual property while navigating early-stage development.  “It’s a pretty common question that I've heard over my career. And I really would say first and foremost, you should attempt to get it patented.. You have to find a patent attorney you trust and a patent attorney that knows our space. And a lot of the OCV equipment manufacturers can help you find that patent attorney. I think if you can get it patented, you should try to do that. If you don't wanna go through that hassle and expense and you're really not comfortable in that world, then I'd reach out to the company that you're working with today. Make sure you get a confidentiality agreement signed. I'm sure your rep could connect you to the right engineer, the right business person in the company.. You're going to learn whether it's been done before. If so, why if it's not been adopted or you'll learn whether there's some intellectual property already that exists in that space. But again, make sure you're protected in that conversation.” - Todd Davis when asked by Brad Quick if there was advice he would give to surgeons who made be thinking about pursuing an idea or new development of a product. Currently, Todd is involved in pioneering projects, including AI-driven 3D surgical modeling with PeakMed and nutritional support solutions for orthopedic patients through Enhanced Medical Nutrition.  In the conclusion of every interview, we always ask what Wealth That Matters means to our guest, and Todd’s answer was packed with wisdom and knowledge as he talks about his focus on faith, family, and dedication to life long growth.  Thank you for watching and listening, and be sure to subscribe and follow Doctor’s Eyes Only for more insightful episodes released every other week. And don’t forget to leave a review—let us know what you loved most about this episode! If you have questions, please reach out to myteam@vestia.com, or visit our website at www.vestiaadvisors.com. Thanks and we will see you next time! To reach Todd Davis or to find out more about TD Ortho, please visit the links below! https://www.linkedin.com/in/todd-davis-0126018/ https://www.tdorthoconsulting.com/ #orthopedics #orthopedicsurgery #medicaldevices #medicalengineering #doctorpodcast #wealththatmatters #consulting #Doctors #physicians 

Welcome to this week’s episode of Doctor’s Eyes Only where today’s host is Vestia Partner, President, and COO Brad Quick! In this insightful episode, Brad interviews Luke White, the founder of Priority Medical - a company that provides engineering services for medical device development.  In their conversation, Luke shares his journey from working at major orthopedic companies to launching his own business. He discusses the innovative services offered by Priority Medical and the unique challenges that larger orthopedic firms face in fostering innovation. Luke emphasizes how smaller, agile companies can effectively bridge these gaps. Brad and Luke also provide what they believe is valuable advice for surgeon innovators, highlighting the importance of collaborating with experts who understand the regulatory landscape and can navigate the complexities of developing a solid regulatory pathway. Luke encourages physicians to define clear expectations and goals from the outset, choose their partners wisely, embrace failure as an essential part of their learning journey, and balance patience with a proactive approach in pursuing their ideas.  To reach Luke White or to find more information for Priority Medical, please see links below. https://www.linkedin.com/in/luke-white-innovate/ https://www.prioritymed.biz/ Thank you for watching and listening, and be sure to subscribe and follow Doctor’s Eyes Only for more insightful episodes released every other week. And don’t forget to leave a review—let us know what you loved most about this episode! If you have questions, please reach out to myteam@vestia.com, or visit our website at www.vestiaadvisors.com. Thanks and we will see you next time! The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Vestia Advisors, LLC. The Content has been made available for informational and educational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. This information is not an offer or a solicitation to buy or sell securities. Investing involves risk; including risk of loss. Before investing, you should consider the investment objectives, risks, charges and expenses associated investment products. Investment decisions should be based on an individual’s own goals, time horizon and tolerance for risk. Past performance is no guarantee of future results. Diversification and asset allocation do not insure a profit or guarantee against loss. Consult your financial professional before making any investments. Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. #orthopedics #orthopedicsurgery #medicaldevices #medicalengineering #doctorpodcast #wealththatmatters 

Welcome to this week’s episode of Doctor’s Eyes Only! In this episode, Vestia Partner and CEO Lauren Oschman is joined by fellow Partner Jacque Denson for an insightful conversation about the Women Physician Group at Vestia Personal Wealth Advisors. Co-founded by Lauren and Jacque, this specialized practice group is dedicated to empowering women physicians with tailored financial guidance and support. Lauren and Jacque discuss how their group goes beyond investment advice, offering expertise in areas like negotiating job contracts and helping women physicians advocate for what they’re truly worth. They share strategies for living their signature Wealth That Matters® lifestyle—where financial success aligns with personal values and life goals. The episode explores compelling data that shows women tend to outperform men in their investment portfolios. Lauren and Jacque attribute this to several factors, including women’s tendency to trade less frequently, their heightened awareness of risk, and their openness to seeking financial coaching. They also dive into the unique financial challenges women physicians face when planning for major life events, such as starting a family or taking parental leave. Jacque emphasizes the importance of intentional financial planning, considering factors like income during leave, additional expenses, and potential career transitions. Additionally, Lauren and Jacque shed light on the gender pay gap in medicine, particularly in high-paying specialties like cardiology. They offer actionable advice on negotiating for fair compensation, understanding your worth, and using strategies tailored specifically for women in medicine. Thank you for tuning in to Doctor’s Eyes Only! Be sure to subscribe and follow us for more empowering episodes released every other week. Don’t forget to leave a review and let us know what resonated with you the most! For questions or more information, reach out to us at myteam@vestia.com or visit www.vestiaadvisors.com. See you next time! #Doctors #physicians #wealthmanagement #womendoctors #womenphysicians #Healthcare #wealththatmatters 

Welcome to this week’s episode of the Doctor’s Eyes Only podcast brought to you by Vestia Personal Wealth Advisors, where our mission is to help the highest caliber physicians achieve Wealth That Matters®. In this engaging conversation, Vestia Partner, President, and COO Brad Quick and Mike Lee, DPM, take us through Mike's unique journey in foot and ankle surgery, his entrepreneurial spirit, and evolving views on what it means to achieve Wealth That Matters®. Mike shares how a college friendship led him to podiatry school and how his residency experience at Western Pennsylvania Hospital shaped his career. After working in Iowa and joining an orthopedic group in Des Moines, Mike became deeply involved in consulting and product development, co-founding SDI (Surgical Design Innovations). This venture, focused on creating foot and ankle implants designed by surgeons, brought valuable insights into assembling the right team, the long-term commitment of entrepreneurial ventures, and navigating the medical device industry. You will especially love when Brad and Mike talk about the “Fab Five” and also the moment Mike decided to bet on himself and his SDI Partners instead of listening to outsiders. Mike's reflections on wealth have shifted over time. He now prioritizes relationships, being a good father and husband, and leaving a positive mark on others over pure financial success. Key Takeaways: Success in entrepreneurship, especially in medical fields, requires the right people and long-term dedication. Surrounding yourself with strong mentors and partners can lead to impactful opportunities. Thank you for watching and listening, and be sure to subscribe and follow Doctor’s Eyes Only for more insightful episodes released every other week. And don’t forget to leave a review—let us know what you loved most about this episode!  www.vestiaadvisors.com For more information about Mike and SDI see links below. https://surgicaldesigninnovations.com/ linkedin.com/in/michael-lee-a1671314 mlee@dsmcapitalortho.com #orthopedic #surgeons #doctor #physician #entrepreneur #consulting 

Welcome to the Doctor’s Eyes Only podcast! In this week’s episode, Vestia Partner and CEO Lauren Oschman shares valuable insights on how credit scores work specifically for doctors and what to keep in mind when taking out credit. Lauren breaks down the five key factors that influence your credit score, including payment history, credit utilization, credit mix, length of credit history, and new credit inquiries. Lauren emphasizes the importance of using credit responsibly, such as making on-time payments to maintain a strong payment history. She also highlights the need for regularly monitoring your credit to spot any potential fraudulent activity, like new accounts opened in your name without your knowledge. To protect yourself, she suggests freezing your credit with the major credit bureaus. Additionally, Lauren offers useful advice on credit utilization, explaining how the ratio of your available credit to your debt impacts your overall score, and how maintaining a low balance can work in your favor. Be sure to subscribe and follow Doctor’s Eyes Only for more insightful episodes released every other week. And don’t forget to leave a review, let us know what you loved most about this episode! Links to the 3 different credit bureaus mentioned in the podcast:  www.equifax.com www.experian.com www.transunion.com #Doctors #physicians #wealthmanagement #investments #creditscore 

Welcome to the Doctor’s Eyes Only podcast and in this episode Vestia Partner and CEO Lauren Oschman is joined by her business partner and Vestia President and COO Brad Quick. Lauren and Brad  discuss the topic of how doctors can find and engage a financial advisor, with expertise from Lauren who gives some awesome tips to help doctors ask the best questions to find the best fit for their financial future. Lauren and Brad discuss the comprehensive services a financial advisor should offer, beyond just investment management. They emphasize the importance of finding an advisor who understands a client's goals, values, and aspirations, while acting as a family CFO for all financial matters. As Lauren discusses, it is important to qualify a financial advisor, including their experience working with doctors, credentials (such as CFP or ChFC), independence from product affiliations, and transparency in their fee structure. Both Brad and Lauren stress the importance of finding an advisor who specializes in serving physicians and understands the nuances of their financial lives. Thank you for tuning in to the Doctor’s Eyes Only Podcast. Be sure to follow and subscribe where ever you find your favorite podcasts. As always, the information in this podcast is a general over head view, and we suggest meeting with your financial advisor and your accountant before making investment or tax decisions based on your specific situation. If you do not have an advisor or would like a second opinion, you can reach out to us at myteam@vestia.com, and an advisor will be in touch soon!  #financialplanning #doctor #physician #wealththatmatters #womenphysicians #orthopedicsurgeons #financialadvisor 

Welcome to the Doctor’s Eyes Only podcast, and today Vestia Partner and CEO Lauren Oschman talks about ways to potentially demystify tax brackets for physicians. Lauren explains the difference between flat tax rates and graduated tax rates, while using examples to illustrate how graduated tax rates work, with only the income above a certain threshold being taxed at a higher rate. An example of a flat tax, could be some state taxes which are a fixed percentage of your income. A graduated tax however would be one that stair steps up as you make more money.  After delivering some general information about the different ways your income could be taxed and clearing up some misconceptions, Lauren then explains how things can get complicated for physician clients when there are two incomes in the household. When considering graduated taxes, doctors typically have high incomes which already has them in a higher tax bracket. And even though certain percentages taxed  only cover certain portions of that income, a spouses full income could be taxed at the higher rate when filing jointly. This becomes an issue if your spouse doesn’t have enough taxes withheld at their employer.  As Lauren explains, there are many tax strategies that can be implemented to help ease some of the burden, and especially to prevent a huge tax bill. It may be a good idea to run a projection in September or October so there is no potential surprise on April 15th.  “I think it's a smart idea, around September or October of the year to pull a year -to -date pay stub for each one of you (when filing jointly). And this is even if you're a single physician household, this is something that can make sense if your income tends to vary. If you get productivity pay, maybe you got an extra bonus, you cashed out some investments, things that would hit your tax return during the year that maybe you didn't plan for in the beginning of the year. Get all of that on the table so to speak with your accountant, with your financial advisor, and have a projection run to show, based on what you expect to happen in the last few months of the year, and based on everything that's already happened in the first two thirds of the year. You have the opportunity then to either adjust some withholdings for the last few months of the year,  for the option of paying in some money each quarter if you discover that you might be underpaid, or just to have your eyes wide open as to what that April 15th number is going to look like.” Thank you for tuning in to the Doctor’s Eyes Only Podcast. Be sure to follow and subscribe where ever you find your favorite podcasts. As always, the information in this podcast is a general over head view, and we suggest meeting with your financial advisor and your accountant before making investment or tax decisions based on your specific situation. If you do not have an advisor or would like a second opinion, you can reach out to us at myteam@vestia.com, and an advisor will be in touch soon!  #doctor #physiciansfinancialcheckup #podcast #taxrate #financialadvisor #taxes #taxbrackets #physicianwealth 

Welcome to the Doctor’s Eyes Only Podcast! In today's episode, Vestia Partner and CEO Lauren Oschman delves into strategies for doctors to maximize tax benefits through charitable giving. Lauren will guide you through: Understanding Deductions: Learn the difference between standard and itemized deductions, and discover why itemizing can unlock greater tax benefits from your charitable donations. Leveraging Donor-Advised Funds: Find out how donor-advised funds can help you consolidate multiple years of charitable donations into one, potentially allowing you to itemize and gain a significant tax advantage. Donating Stock Instead of Cash: Explore the benefits of donating stock directly to a charity, avoiding capital gains tax and still receiving a full charitable deduction. “So here's strategy number one that you could consider. If you are in the situation where you don't have enough in the itemized column to be able to get additional tax benefit from your charitable giving, you could consider using what's called a donor advised fund. You fund this account and it's essentially the charitable version of you. So if I set up a donor advised fund, I have the Lauren Oschman charitable fund, I actually give that money to charity from the IRS's perspective when I put it in the donor advised fund.” Donating Stock Instead of Cash: Explore the benefits of donating stock directly to a charity, avoiding capital gains tax and still receiving a full charitable deduction. “We transfer the stock to the charity's investment account. The charity sells the stock, they're a nonprofit, so they don't have to pay tax when they sell the stock. I still get the benefit of that additional deduction on my itemized deduction column, plus I saved the capital gains tax that I otherwise would have had to pay at some point in my life when I decided I was going to spend out of that stock account.” Join us as Lauren Oschman shares practical and impactful strategies to make your charitable giving more tax-efficient. Be sure to follow and subscribe where ever you find your favorite podcasts. As always, the information in this podcast is a general over head view, and we suggest meeting with your financial advisor and your accountant before making investment or tax decisions based on your specific situation. If you do not have an advisor or would like a second opinion, you can reach out to us at myteam@vestia.com, and an advisor will be in touch soon!  #doctor #podcast #charitablegiving #wealththatmatters #physicians #financialplanning

Welcome to a special Wealth That Matters® edition of the Doctor’s Eyes Only Podcast where Partner and Advisor Cameron Heasley interviews Dr. Lee and Lori Wilbur, the founders of the nonprofit, Divine Mercy Health Center. Lee is an emergency medicine physician, Lori is the family CFO and COO, and they both share a passion for serving others through their nonprofit. Divine Mercy Health Center was inspired by the ways the Wilburs found the healthcare system to lack accessibility to marginalized communities. They discovered that social determinations of health such as transportation, housing and education were key reasons that some didn’t get proper healthcare, and as a way to join their proffessional, personal, and faith lives, the Wilburs set out to bring health care to those communities. In providing free healthcare services, Divine Mercy Health Center allows patients to go through various stations such as biometrics, consultation with a physician, and motivational interviews where they are empowered to set goals for better health. In this amazing podcast episode, listeners are able to learn about a non profit mission that is fueled by faith, and powered by church populations in the communities they serve, an idea that came about from the challenge of starting in a Hispanic community and not being bilingual, as Lori talks about in the episode. Because of the success they have had in the communities they have served, Dr. Lee and Lori currently have plans to open a clinic that will offer primary care, mental health services, and substance abuse counseling to Southwest Little Rock Arkansas. To fund the clinic’s construction, hire staff, and establish an endowment for future growth and expansion, a capital campaign has been launched called ‘Have Mercy Give Health’. Through this campaign Dr. Lee and Lori Wilbur have goals to reach communities in marginalized areas throughout the entire state of Arkansas. As is said in the podcast episode, any help is appreciated whether it be a financial donation, volunteerism, or consulting in areas such as business or marketing. To find ways to get involved be sure to visit the website below. The Doctor’s Eyes Podcast would like to thank Dr. Lee and Lori for sharing their Wealth That Matters® with our audience and we can’t wait to check back with them in the future to hear more about their progress and success.  https://divinemercyhealthcenter.org/ #doctor #nonprofit #wealththatmatters #community #physician 

Welcome to the Doctor’s Eyes Only podcast, and today Vestia Partner and CEO Lauren Oschman talks about ways that doctors can minimize a potential tax burden for their heirs when transferring wealth. At the time of this recording, the threshold that needs to be met to qualify for estate taxes is so high that many physicians don’t consider taxes when doing  estate planning. There are some things to consider in relation to the type of accounts that house your retirement funds, and the tax benefit you received while accumulating assets could cause a potential tax implication for the heirs who inherit those assets.  “We talk about how these assets are probably your highest tax burden in retirement just because there's so much accumulating that no one's ever paid taxes on and all of it’s taxed as income tax when you retire. What happens when you pass those assets onto your heirs? It actually gets even worse. So if you are to leave an IRA, a 401k, things like that to your kids, under current tax law, your kids have to withdraw those funds within 10 years of receiving them and they're all taxed as income when they pull those out because none of that has ever been taxed before.” At a recent conference, and something that helped inspire the message delivered in this episode, a speaker said to think about leaving taxable things to tax free people or entities, and tax-free things to taxable people or entities. One of the ways to do this is by considering your charitable interests when electing beneficiaries on your IRA or 403B. Non-profit charities don’t pay income taxes, so what could cause a tax implication for your kids, would potentially not be taxable to your favorite charity. There are things to avoid, and as Lauren explains in the podcast, just because it is stated in your will that you want a certain amount of money to be paid to your favorite charity, does not mean that those funds will come from your IRA.  “The other thing to think about here, and I see this in estate plans with physicians quite a bit. I’ll have charitably inclined physicians, and what they'll do is they'll put in their will or in their trust document that at their passing, they'd like either a certain dollar amount or a certain percentage of their estate left to a charity or a number of charities. So this is actually decently common for me to see with physicians. When you do that, that's automatically coming out of those step up and basis assets. Why is that? Because the IRAs and 401Ks have a beneficiary on the accounts. They pass outside of your will, and they're often not owned in your trust.” A lot of information has been shared in this podcast and Vestia Personal Wealth Advisors are here to help should you have any questions. Send us an email at myteam@vestia.com, and one of our trusted expert Financial Advisors will be in touch. Thank you for tuning in! #wealthtransfer #taxes #IRA #401K #403B #doctor #physicianwealth #orthopedicsurgeons #doctor #financialadvisor #personalwealthmanagement #womenphysicians  Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

Welcome to the Doctor’s Eyes Only podcast where Vestia Partner and CEO Lauren Oschman delivers some very time sensitive important information regarding the IDR Waiver for Student Loan Forgiveness, the June 30, 2024 deadline, and why doctors should potentially act now if they believe they can qualify. Lauren takes a deep dive into what the Income Driven Repayment (IDR) waiver is and how it could potentially help doctors who previously were not able to take advantage of loan forgiveness programs like Public Service Loan Forgiveness (PSLF).  “Doctors historically have had trouble qualifying for loan forgiveness because a lot of them don't have qualifying loans, and qualifying repayment plans often don't make sense for doctors. So what is the IDR waiver, and why are we talking about that today? The IDR waiver is a one -time adjustment that can be made to your loan account that is going to take all of your historical payments, whether or not they were qualifying payments at the time, and are going to count those as qualifying payments toward loan forgiveness… So this could be a game changer if all of a sudden all of these payments that did not qualify before now qualify for potential loan forgiveness.” With other things to consider such as the potential benefits of consolidating loans, the process of submitting employment verification, and whether or not physicians should switch their current loans to an income-driven repayment plan are just a few of the topics covered in this podcast. Every individual is different so doctors are encouraged to not only act fast, but to get help from a qualified advisor for how to navigate their specific situation.  “Your paperwork, everything has to be submitted online by June 30th with dates before June 30th if anything had to be signed and dated. You don't actually have to have any of these things granted before June 30th. In fact, you probably won't. There's quite a backlog in the student loan system and so I would expect you won't hear anything for months after you get everything submitted.” A lot of information has been shared in this podcast and Vestia Personal Wealth Advisors are here to help should you have any questions about the IDR Waiver or whether you could potentially take advantage of Student Loan Forgiveness. Send us an email at myteam@vestia.com, and one of our trusted expert Financial Advisors will be in touch. Also make sure to share this information with colleagues who may be eligible for the IDR waiver, particularly those working at non-profit hospitals or academic institutions.  #IDRWaiver #studentloanforgiveness #publicserviceloanforgiveness #pslf #doctor #physicianwealth #orthopedicsurgeons #doctor #financialadvisor #personalwealthmanagement #womenphysicians 

Welcome to this week’s edition of the Doctor’s Eyes Only podcast where Vestia Partner and CEO Lauren Oschman delivers Part 2 on Spring Cleaning for your Finances. If you are tuning in to part 2 and you haven’t listened to part 1 yet, be sure to go back and listen there first so as to not miss some good tips on ways to declutter your financial life. In part 2, Lauren discusses reviewing beneficiary designations on accounts, and checking credit reports for accuracy and locking credit to prevent potential fraudulent account openings.  “First tip for today, review the beneficiaries on your accounts. Retirement accounts through work, IRA accounts, life insurance policies, these are all things that have beneficiaries on them. A beneficiary is the person who would get that account if something happened to you and you weren't around anymore to have the account.” Another tip Lauren provides is to verify homeowner’s insurance coverage for rebuilding costs. This is very important in our current economic environment because home prices and the values of homes have been rising so fast as of recent. This has not only created a lot of equity for the home owner, but also created a gap in what home owner’s insurance will pay to rebuild the home compared to the cost of rebuilding it.  “There are a lot of policies out there. that actually cap what the replacement value of the home is based on the value or what it would have cost to rebuild that house when you initially got the policy. So if that was a while ago, and again, construction costs have all increased over the last few years, that may not be enough money to rebuild the same home today in 2024.” There are many other great tips regarding spring cleaning for your finances in this episode, so be sure to follow and subscribe where ever you find your favorite podcasts. As always, the information in this podcast is a general over head view, and we suggest meeting with your financial advisor and your accountant before making investment or tax decisions based on your specific situation. If you do not have an advisor or would like a second opinion, you can reach out to us at myteam@vestia.com, and an advisor will be in touch soon!  #doctor #physicianwealth #orthopedicsurgeons #doctor #financialadvisor #personalwealthmanagement #womenphysicians 

Welcome to this week’s edition of the Doctor’s Eyes Only podcast where Vestia Partner and CEO Lauren Oschman delivers Part 1 of a 2 Part series on Spring Cleaning for your Finances. As Lauren mentions in the podcast, the idea of spring cleaning is a cleansing, de-stressing activity to allow you to move forward confidently with more focus. This is in relation to your home, however it can be a very similar feeling after doing some spring cleaning for your finances. A great example could be if you have multiple brokerage accounts with different companies or advisors. Many times physicians who don’t have a specified advisor will invest extra cash in different accounts because of a special being offered or because they heard good things about a certain company.  “Well, imagine how hard it is to keep track of four accounts. Number one, you have to remember they all exist. You have to have the credentials to actually get access to all of those accounts. You have to make sure you have four different tax forms to give to your accountant to report the same kind of activity, because again, it's the same type of account…” The second tip Lauren shares for physicians looking to do some spring cleaning for their finances is to check the interest rates on savings accounts. As everyone knows the interest rates for getting a home loan have risen dramatically and it has impacted the real estate and lending industries. Something that many physicians have not considered is that the rates have also risen on savings accounts. “Here's what I'm observing when I am meeting with doctors who are not currently working with an advisor or who haven't had time to look into this. They have money sitting in say their bank savings account where they're getting maybe 0 .1% interest.. According to the FDIC the national average on bank savings accounts or on savings accounts is 0.47%. So that's the national average. There are platforms where you can open up a high yield savings account. Often these are online platforms so you can set up an online savings account that is high interest.. Most of those are at like four to 5% interest.” There are many other great tips regarding spring cleaning for your finances in this episode and even better than that, there is a part 2 that will release later this week, so be sure to follow, and subscribe where ever you find your favorite podcasts and check back soon for part 2. As always, the information in this podcast is a general over head view, and we suggest meeting with your financial advisor and your accountant before making investment or tax decisions based on your specific situation. If you do not have an advisor or would like a second opinion, you can reach out to us at myteam@vestia.com, and an advisor will be in touch soon!  #doctor #physicianwealth #orthopedicsurgeons #doctor #financialadvisor #personalwealthmanagement #womenphysicians 

Welcome to a special Mother’s Day episode of the Doctor’s Eyes Only podcast brought to you by Vestia Personal Wealth Advisors! In this episode, Vestia Partner and CEO Lauren Oschman delivers an inspiring message about the diverse paths of motherhood, while sharing stories about the amazing moms that she has had the honor of becoming acquainted with.  “As I was thinking about the amazingness of moms, I was kind of reflecting on just the past few months, interactions that I've had with moms in just the course of my day -to -day doing the work that I do. And I was thinking about the mom who joined a Zoom meeting with me while doing a low -grade, low -intensity Peloton ride because she was like, if I don't combine these two things, the workout's not gonna happen today. I was thinking about the mom who recently launched her own medical practice because she wanted to be able to provide more personalized concierge care. She became a mom herself within the last few years and she realized that the kind of care that she wants for her own family was not the kind of care that was accessible in her area. And so she was like, I'm going to create this so that I can bring it to other families..” Lauren also emphasizes how important it is to have role models for the next generation of women leaders as she she shares how her 5 year old daughter, who aspires to be a doctor, will have a different perspective on being a mother while balancing a medical career. Because Vestia works with the highest caliper of specialized physicians, Lauren is able to provide real life examples of exceptional women physicians who are also moms, to inspire her daughter.  “So today on Mother's Day.. Whatever your story looks like right now, however old your kids are, whatever stage you're in, whatever hats you're wearing, whatever's on your plate. You're inspiring. You're amazing and you are doing a great job! From all of us at Vestia.. We just want to say thank you.” Happy Mother’s Day to all of the Amazing Moms! #mothersday #momssupportingmoms #womenempowerment #womendoctors #womenphyisicians #professionalwomen #amazingmoms

Welcome to this week’s edition of the Doctor’s Eyes Only podcast where Vestia Partner and CEO Lauren Oschman discusses the flexibility and limitations of 529 education savings plans that physicians can potentially take advantage of when saving for their children’s future education costs. Lauren explains what a 529 savings plan is, how it works, and the benefits of using this investment strategy for the potential of tax free growth and state tax deductions. With most anything that has a tax benefit, 529 plans have limits to contributions, and the money can only be used for a select number of qualified expenses, but as Lauren explains, there have been recent changes that allow for more potential flexibility in how the funds can be used. Lauren also covers some other important scenarios such as receiving college scholarships and options available if someone over saves. As always, the information in this podcast is a general over head view of the different options and limitations of a 529 plan, and we suggest meeting with your financial advisor and your accountant before making investment or tax decisions based on your specific situation. If this is something that your advisor hasn’t quite gotten the depth of, or maybe you don’t have a financial advisor, we at Vestia have a great team of advisors who help doctors with this and other investment decisions. You can reach out to us at myteam@vestia.com, and an advisor will be in touch to discuss your potential options. Thank you for listening and/ or watching and make sure you subscribe or follow so that you don't miss any future episodes. #doctors #physicians #investing #529plan #educationsaving #collegesaving #wealththatmatters

Welcome to the Doctor’s Eyes Only podcast, this weeks episode features Vestia President, Partner, and COO Brad Quick as he talks about his experience in the Orthopedic industry and how his background led to the beginnings of Vestia Consulting, a business that helps physician innovators bring their ideas and products to market. Brad’s extensive knowledge and experience are highlighted as he shares insights from his time at Zimmer Biomet, where he learned the challenges of getting products approved and launched quickly, and the benefits of partnering with external innovative shops to accelerate product development. This experience was the exact reason Brad was the perfect fit for Vestia Personal Wealth Advisors when they were needing someone to run the operations side of the business, and what also led to him being asked to serve as the President of the company. While choosing to be hands on in his role, attending conferences and partnering with advisors and their clients in Vestia’s Orthopedic Specialty Group, Brad discovered a need for surgeon innovators who have ideas for products, or who have begun developing products, to improve the quality of the work they do while serving patients. Through Vestia Consulting, Brad advises physicians on navigating the complex process of commercializing their innovations, from ideation to negotiating with major corporations, while helping them overcome obstacles, identify market opportunities, and maximize the potential of their innovations. Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

In this special Doctor’s Day edition of the Doctor’s Eyes Only Podcast, Vestia Partner and CEO Lauren Oschman shares stories about her experiences with Doctor’s Day growing up with a dad who is a physician. As Lauren reflects on what it meant to her to see the gifts that patients gave her father in appreciation for the help they had received, she also shares a revelation in her own life after hearing a story about a stranger that appears at a neurosurgeon’s home. As Lauren talks about in the podcast. The neurosurgeon’s wife was doing her normal duties, helping with homework, orchestrating rides to sports practices, all while cleaning up after her kids, when there was a knock at the door. When she went to see who it was, she found a man standing there with take-out bags in his hand, delivering dinner to her family.  He said you don't know me, and we've never met, but one year ago today, I know that your husband didn't come home for dinner. And the reason I know that, is because he was at the hospital saving my life. So, on the one-year anniversary of thinking about what your husband did for me and about what he gave to me, I wanted to give your family dinner to say thank you for what you sacrificed, so that he could be there for me, and I could get more time with my family.  “It hit me like a ton of bricks. When I heard that story, I stopped in my tracks and I was like, Oh my gosh, I have been thinking about this all wrong… When I look back on my childhood, I think about the times that my dad wasn't there… Or maybe I wished I got a little bit more, but when he wasn't there, it was because he was literally giving people more life and he was giving family more time with their loved ones.” – Lauren Oschman  As we celebrate Doctor’s Day, we want to thank you from the bottom of our hearts and encourage others to do the same. Because most of us are healthy and spend our time enjoying life, it is easy to forget the enormous impact doctors have on our communities. You keep us healthy, and you give us better lives. We see the sacrifice you make to fulfill your duty, and we are so thankful you make the choice to show up for your patients each and every day. We are beyond honored to partner with you and ease a little bit of the burden you shoulder so you can have more time making memories with those you love. So, on behalf of all of us at Vestia Personal Wealth Advisors, thank you for being our Superheroes in Lab Coats and Scrubs. If you are working or on call this Doctor’s Day (as we know many of you are), thank you for your dedication. If you have the day off, we hope you have an amazing day feeling celebrated by your communities, treasured by your loved ones, and enjoying your Wealth that Matters®. – From the recent Blog post titled, Happy Doctors Day to our Superheroes in Lab Coats and Scrubs! Click the link to read more - https://www.vestiaadvisors.com/happy-doctors-day-to-our-superheroes-in-lab-coats-and-scrubs/ Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

In this episode of the Doctor’s Eyes Only podcast, Vestia Partner and CEO Lauren Oschman provides guidance to physicians on consolidating multiple retirement accounts that may have been left behind at a previous employer after switching jobs. Lauren talks about many different options including consolidating assets into an IRA, rolling over to a new employer’s 401K or 403B, converting to a Roth IRA, leaving the account as-is, or cashing out (This is rarely recommended due to potential tax implications). Some of the important details that are covered include asset protection, fees, Backdoor Roth IRA eligibility, and the hassle of tracking multiple accounts.  Once again, as we have made known before, wee are not accountants. As financial advisors, we do often work closely with accountants to help with client tax strategy, but we are not accountants. So any of these tax specific topics talked about in this podcast, we will defer to the expertise of your accountant and recommend that you run any of these things by your accountant before you make a final decision.  Thank you for tuning in and like always, if you have any questions, or just need guidance on consolidating a number of accounts from past employers, send us an email at myteam@vestia.com, and an advisor will be in touch.  Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

Vestia Partner and President, Brad Quick CEPA® and Vestia Partner and Chief Growth Officer Kameron Helmuth CFP® ChFc® recently attended the Foundation for Physician Advancement course in Charlotte. While there, Kameron and Brad were able to speak with multiple doctors who contributed to the information in the Financial Pain Points for Orthopedic Surgeons.  An online survey was offered to all course participants in a recent Industry Course to gauge what topics would be presumed as the most critical financial pain points for Orthopedic Surgeons. 26 surgeons participated from varying institutions, subspecialties, and career status. Three questions were asked: 1.     When do you go into practice?  2.     How would you rate your financial knowledge? 3.     What do you feel are the most common financial pain points among Orthopedic Surgeons today?    In this episode of the Doctor’s Eyes Only Podcast, Kameron and Brad have a conversation about the most recent course for Foundation for Physician Advancement in Charlotte in which they talk about the process of gathering information by way of an online survey. After gathering all of the results, Brad and Kameron then created a white paper titled Building a Successful Practice - Charlotte 2024, Financial Pain Points for Orthopedic Surgeons, and delivered it to those that took the survey. To read the white paper and the results click the link below. https://www.vestiaadvisors.com/building-a-successful-practice-charlotte-2024/ Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

Did you know that business owners actually pay taxes differently than most other individuals do? And most doctors have a stream of income or can easily have a stream of income that qualifies them to be taxed at least partially as business owners? If you're getting income that doesn't have taxes withheld, that's called 1099 income. That money comes in, it has not yet been taxed. It's your responsibility to pay the taxes to the government. It's not taken out for you. Because that comes in on the Schedule C on your tax return, your accountant will fill in a bunch of boxes with business expenses. Then what's left after those business expenses is what you end up paying taxes on as a business owner on that business income. In this episode of the Doctors Eyes Only Podcast, we talk about the different ways doctors can potentially take advantage of tax strategies to enhance their current investment plan.  We are not accountants. As a Financial Advisor, we do often work closely with accountants to help with client tax strategy, but we are not accountants. So any of these tax specific topics talked about in this podcast, we will defer to the expertise of your accountant and recommend that you run any of these things by your accountant before you make a final decision.  Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

Hello everyone, welcome to another episode of the Doctors Eyes Only podcast, and today we're going to talk about what we at Vestia call Wealth That Matters®. In this episode, CEO and Partner Lauren Oschman talks about how Vestia strives to discover what matters to physician clients that is about more than money. Growing up in a household with a dad who worked long hours with no days off as an Interventional Cardiologist, Lauren understands the sacrifices that doctors make for their patients and the sacrifices their families make as well. Often times, doctors get in the mode of providing for their families and building an investment portfolio for that one day they can comfortably retire. When the thought arises of how much is needed to accomplish this, the answer is usually “more”.  As Lauren mentions in the episode, “Because I think for a lot of doctors, a lot of you are listening, you're very achievement oriented, you're very used to the answer being more, right? How much is enough? More. That's how you get to be where you're at, being a very accomplished physician. So one of our goals as we're onboarding new clients, as we're helping craft financial strategies, is to listen to all of these things that you want and to help you figure out how to get the most out of life today and also take care of your future self.” This is a very different view from a Financial Advisory perspective in which Lauren gives examples through stories about clients she has had conversations with where she didn’t recommend they invest more money and instead encouraged them to take that extra vacation to capitalize on the time when their kids are young. Lauren also talks about her own personal situation, being a mother of three young children and finding ways to be intentional with her time with her daughters and allowing them to hold her accountable to giving them the time they need. Enjoy the episode and thank you for listening to the Doctors Eyes Only Podcast! Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

In this episode of the Doctor’s Eyes Only Podcast, brought to you by Vestia Personal Wealth Advisors, Partner and CEO Lauren Oschman talks about the benefits, drawbacks, and qualifications for a Backdoor Roth IRA. Lauren Oschman - I always go back to a story, so I actually work with a father and a daughter. The father is a retired physician, his daughter is currently a practicing physician who's working on accumulating her wealth and saving for her own retirement. So I started working with her father when he was on the precipice of retirement. He came to me, referred by his daughter, who had been a client of mine for a long time, and he said, Lauren, I've always done my investments myself and I would just love for you to be able to tell me, can I retire?  I started going through all of his accounts, and he had done a really really great job saving. He had been in a private practice, he had a lot of money put away in pre -taxed vehicles, so money that had never been taxed. And then anything he couldn't get into a pre -tax vehicle that wasn't a part of his spending plan, he was putting into a brokerage account. He never funded anything in the Roth bucket, right?  So we can kind of think about money in three buckets from a tax perspective, pre -tax, taxable, that would be your brokerage, and then tax -free, which would be your Roth IRA, under all of the current tax laws. He didn't have anything in the Roth bucket. He had saved really really well, so I was able to tell him that based on all of the calculations that I ran, it looked like he was in a good position to be able to retire. The big question mark, the thing that I could not assure him .. was that pre -tax money.. I don't know what's going to happen to tax rates over the next 20 years. Tax rates are not fixed. We could end up with new people making decisions in Congress. We could have new tax laws passed, and tax rates could actually go up. So he had the vast majority, probably 80% of his money, was in accounts that were subject to taxes as he takes his withdrawals.  A lot of these conversations about IRAs, Roth IRAs, the sequence of transactions to do the Backdoor Roth IRA does involve tax strategy and tax reporting. I am not an Accountant, I am a Financial Advisor, so please, any decision that you're going to make that is going to involve tax reporting, please run these things by your accountant to make sure that you have all of the information before you make decisions based on what makes sense for your situation.  The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Vestia Advisors, LLC. The Content has been made available for informational and educational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. This information is not an offer or a solicitation to buy or sell securities. Investing involves risk; including risk of loss. Before investing, you should consider the investment objectives, risks, charges and expenses associated investment products. Investment decisions should be based on an individual’s own goals, time horizon and tolerance for risk. Past performance is no guarantee of future results. Diversification and asset allocation do not insure a profit or guarantee against loss. Consult your financial professional before making any investments. Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated.

Protecting wealth goes beyond the balance sheet. It involves having the right insurance coverage to safeguard assets, income, and the future. For physicians who have dedicated years of rigorous training and education to reach their current professional status, this means addressing their unique insurance needs comprehensively. From the comfort of their homes to the risks they encounter on the road, doctors are exposed to a variety of potential liabilities that can threaten their financial well-being. In this episode, Lauren talks with Zachary Carter, Owner and CEO of Heron Hill Risk Management. Zach has more than 18 years of dedicated experience in the insurance industry and is incredibly well-versed in navigating the intricate world of personal insurance for physicians and surgeons. He views providing coverage not as a one-and-done but as creating an ever-evolving relationship with his clients, which means that their insurance requirements are diligently managed as their lives get more complex. Dedicated to providing personalized coverage strategies for each family he serves, Zach talks to Lauren about home, auto, and personal liability insurance for physicians. He emphasizes the importance of having the right coverage strategy to protect assets and income. Zach also highlights the common gaps in coverage for physicians and explains the benefits of umbrella policies.  Key Takeaways [01:10] - Introduction of Zach Carter. [03:47] - How Zach personalized insurance coverage for physicians. [08:33] - Unique risks doctors have in home and auto insurance. [12:21] - The gaps in homeowners' insurance policies among doctors. [17:13] - Gaps in coverage in physicians' auto insurance policies. [20:48] - Auto insurance coverage for physicians' children. [22:25] - The policy on household employees driving employer cars. [25:14] - What the umbrella policy covers. [31:35] - What doctors should look for when selecting a carrier. [36:46] - Zach's most interesting insurance claim. [39:56] - How Zach defines wealth that matters. Quotes [03:55] - "We can save you money a lot of times. But the conversation starts with what is right for the customer, making sure the right avenues are in play, the right coverages around the home and the auto, and ultimately protecting their assets." ~ Zachary Carter [04:12] - "The biggest asset a doctor or other individuals have is their income." ~ Zachary Carter [25:28] - "An umbrella policy is the ultimate cash flow income protection. If I have one home and two cars, the homeowner has liability, and the cars have liability. The umbrella protects both of those. It goes over your assets." ~ Zachary Carter Links  Zachary Carter on LinkedIn Heron Hill Risk Management Cincinnati Insurance Chubb Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Student debt is all too common for many, and physicians are no different. With the increasing cost of medical education, many doctors find themselves with significant debt. However, with the right support and proper financial planning, physicians can make smart decisions about their student loans and find strategies to ease their debt burden. In this episode, Lauren talks with Chris Robbins, Financial Advisor at Vestia. In his role, Chris strives to take the financial stress off busy physicians by being their personal CFO. He walks clients through the pros and cons of life's big financial decisions. Whether looking through the details of their first contract or deciphering the particulars of buying into a surgery center, Chris wants to help his clients make the best decisions with their long-term goals. He hopes to help physicians live their best financial lives now and in the future. With extensive experience working with physicians and helping them navigate their student loans, Chris talks about student loans and repayment strategies. He provides insights into the changes in the student loan landscape over the past few years. He also dives into the Public Service Loan Forgiveness (PSLF) program and the new Saving on a Valuable Education (SAVE) plan and its implications for doctors.  Key Takeaways [01:45] - An introduction to Chris Robbins. [03:40] - Chris's inspiration for becoming a financial advisor to physicians. [11:33] - The new SAVE repayment plan. [17:23] - Identifying repayment options. [20:43] - Factors to consider when choosing the best repayment plan. [24:33] - The impact of high-interest rates on refinancing options. [31:00] - Story of a client who benefited from loan forgiveness programs. [34:26] - Steps to qualify for Public Service Loan Forgiveness (PSFL). [36:11] - Proactive approach to ensure eligibility for loan forgiveness. [40:42] - Chris' final thoughts about student loan and repayment strategies. Quotes [04:59] - "I saw that early in my dad's career, he linked up with a financial advisor. I saw the stress that took off my parents and that my parents' financial advisor was the person they called in the best of times and also the person they called in the worst of times." ~ Chris Robbins [26:26] - "Student loans are some sort of an epidemic that we see in today's society, with the amount of student loans that people have. And doctors are no different." ~ Chris Robbins [41:00] - "Make sure you have a really good plan for your student loans. It ties into every other piece of your life financially." ~ Chris Robbins Links  Chris Robbins on LinkedIn Cameron Heasley Federal Student Aid Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

As technology advances, people become more vulnerable to scams and unauthorized access to their online financial and personal information. As a result, cybersecurity is of utmost importance. While passwords are one of the most basic yet crucial aspects of personal cybersecurity, keeping track of passwords for the numerous accounts online is a struggle.  In this episode, Lauren talks with Brian Quick, a cybersecurity executive at a major health insurance company. Brian has over 25 years of experience in the field of cybersecurity. He has worked in large healthcare organizations, protecting sensitive data and providing guidance on cybersecurity strategies. Lately, he's been focusing a lot on AI security and responsible AI, security strategies for digital business, and business relationship management. Brian talks to Lauren about personal strategies that can help you protect yourself against cybersecurity threats. He discusses the importance of using unique passwords and the risks of using the same password across multiple platforms. Brian emphasizes the need for a password manager to store and generate unique passwords securely. Key Takeaways [01:14] - Introduction to Brian Quick. [03:41] - The importance of using unique passwords. [09:16] - How to effectively manage multiple unique passwords. [13:55] - The vulnerability of mobile phone providers in security attacks. [18:56] - Importance of cybersecurity training and being vigilant. [22:46] - The possible dangers posed by AI technology. [26:13] - How scammers are shifting to new messaging platforms. [29:40] - How to prevent email and message scams. [37:56] - Why password managers are important. [42:29] - Practices security professionals use to safeguard their estate plans. [44:27] - Brian's definition of wealth that matters. Quotes [04:23] - "A password is like a key that you would have to your house. If a lot of people have that key, you have to change it. You have to change it when somebody who shouldn't have it still has it." ~ Brian Quick [07:47] - "As security professionals, we put too much focus on complexity, and that's important. But way more important, like hugely more important, is that passwords should be unique." ~ Brian Quick [15:48] - "If your phone ever stops working mysteriously, like it's not ringing or not getting text messages, pay attention to that. That's an equivalent to 'somebody might be breaking into my house.' Don't let that go on for a day. Take that seriously." ~ Brian Quick Links  Brian Quick on LinkedIn Brian Quick on Twitter Indiana University Health Bitwarden Keeper Security Have I Been Pwned Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Understanding clients' thoughts and feelings about money extends beyond financial services. It's a journey that merges psychology and economics, crafting a holistic approach that acknowledges the human behind the dollars. The bond between emotions and money runs deep, and those who recognize and explore this connection stand poised to unlock a world of financial empowerment. In this episode, Lauren talks with Forrest Friedow, Partner and Co-Chief Experience Officer at Vestia, for another installment of the Meet Our Advisors series. Forrest has been a trusted partner for physician families for over 20 years. He fervently believes planning is not a one-size-fits-all solution but a bespoke experience. With the support of his highly skilled team, Forrest facilitates, develops, and refines comprehensive customized strategies for his clients, positioning individuals, families, and practices for financial success. With a mission to help high-caliber physicians achieve wealth that matters, Forrest shares his journey with Lauren into the financial services industry and his passion for working with physicians. He emphasizes the importance of understanding clients' thoughts and feelings about money and how it shapes their financial decisions. Forrest also highlights the collaborative nature of Vestia, where advisors work together to provide the best possible service to their clients. Key Takeaways [04:18] - How Forrest got into the financial services industry. [09:22] - What led Forrest to work with doctors? [14:49] - The psychology of money. [21:06] - The importance of understanding clients' thoughts and feelings about money. [24:36] - What it means to be a financial advisor and a coach. [27:08] - How Vestia's collaborative practices impact clients. [33:50] - How Forrest fulfills his roles as a father, husband, friend, and family member. [41:00] - Why trust between advisor and client is important. [44:49] - Forrest's definition of “wealth that matters.” Quotes [17:32] - "If you find an advisor who understands the idea that you have thoughts, feelings, and ideas about money and is willing to understand and challenge them that they are going to be much better able to help you achieve your goals, they're going to be able to pull out things that you didn't even know you thought or felt or believe." ~ Forrest Friedow [19:25] - "The more self-aware you are, the more you'll realize how you feel about money and where it comes from. Then understanding that, it's a lot easier to shift." ~ Forrest Friedow [38:54] - "It's important to use other people's giftings and skillsets to pass off things that you are not as good at so that you can redirect that time to the things that matter most to you. And that's wealth that matters." ~ Forrest Friedow Links  Forrest Friedow on LinkedIn Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Establishing meaningful relationships with physicians in financial planning is not just a chance for professional growth—it's an avenue to connect with individuals who embody the spirit of service. By understanding their values, challenges, and aspirations, financial advisors can provide more than just financial advice. They can become trusted partners in a journey toward financial well-being and a lasting impact on the lives of both physicians and their families.  In this episode, Lauren talks with Cameron Heasley for another episode in the Meet Our Advisors series. Cameron is a partner and certified financial planner at Vestia. As an Ohio native, Cameron has worked with physicians in Cincinnati, Dayton, Columbus, and his home city of Indianapolis, helping them make wise and informed financial decisions. Through a comprehensive approach to financial planning, Cameron helps his clients build financial security. His goal for his clients is to help relieve some of their financial concerns so they can focus on the things they are most passionate about. Known for his deep care, commitment, and building meaningful relationships with his clients, Cameron talks about his journey into financial planning and his passion for working with physicians. He discusses the importance of relationships, service, and hard work in advising clients. Through a personal story of supporting a client during a difficult time, Cameron highlights the value of deep connections and the impact they can have on physicians' lives.  Key Takeaways [01:50] - Cameron's background and how he got into financial planning. [09:24] - What Cameron likes about working with physicians. [12:17] - The kind of people Cameron loves to work with. [15:21] - A story about Cameron's support for a client during a challenging time. [18:51] - What Cameron learned from his conversations with clients. [21:32] - Setting boundaries and prioritizing what's important in life. [26:01] - The benefits of working with a collaborative firm like Vestia. [28:35] - Why Vestia is the ideal financial planning firm for physicians. [36:07] - What “wealth that matters” means to Cameron. Quotes [08:10] - "It's an awesome opportunity to build meaningful relationships and serve others. Just do something that has an impact for generations to come." ~ Cameron Heasley [09:55] - "I enjoy working with physicians because the vast majority of them are service-oriented. They typically have a calling higher than themselves." ~ Cameron Heasley [36:36] - "My wealth that matters is living out a calling to the best of your ability. And for me, it's demonstrating it through hard work, serving others, and building deep relationships." ~ Cameron Heasley Links  Cameron Heasley on LinkedIn Jacquelyn Denson Michael Trent Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Orthopedic surgeons dedicate their expertise to mending bones and restoring quality of life. But beyond the operating room, orthopedists face a challenge - managing wealth and securing their financial future. In this episode, Lauren talks with Kameron Helmuth, Partner and Chief Experience Officer at Vestia to continue the Meet Our Advisors series. Before joining Vestia, Kameron served as an advisor with PNC Bank and State Bank. While he gained experience at two exceptional banks, the independent Vestia platform allows him to provide a broader range of independent options and competitive solutions for his clients. Kameron focuses his advisory practice on orthopedic surgeons. Kameron talks to Lauren about his journey from banking to financial planning and the value of working with a specialized advisor who understands orthopedists' unique challenges and opportunities. Kameron emphasizes the importance of proactive service and collaboration with other professionals to ensure comprehensive financial planning to help clients achieve a balanced and fulfilling life alongside their financial goals. Key Takeaways [04:21] - The reasons behind Kameron's shift from banking to financial planning. [08:14] - The value of working with a specialized firm like Vestia. [10:19] - How being proactive can make a difference in financial advisory practice. [14:34] - How clients benefit from the internal collaboration at Vestia. [18:46] - What led Kameron to specialize in serving orthopedic surgeons? [23:51] - How understanding and articulating financial goals can bring clients peace of mind. [30:00] - The value of accountability and behavioral guidance from an advisor. [37:19] - Kameron's financial considerations as he goes through a significant life transition. [43:35] - What Kameron enjoys doing outside of work. [47:28] - What Kameron means by wealth that matters. Quotes [06:46] - "If I wanted to build a foundation of client relationships and not have to worry about the widgets and the volume game all the time, I needed to go independent and find somebody that really believed in relationship values, doing what's best for the client in all situations, and then finding a way to line up our values with the clients." ~ Kameron Helmuth [27:26] - "For an established physician, it's not about making more money. It's about keeping it and passing it on however they feel is fit." ~ Kameron Helmuth [27:43] - "It's sad how many people don't even know the answer to ‘Can I slow down? How can I take myself off the hamster wheel?’ And I see too many people working because they think they have to, not because they want to." ~ Kameron Helmuth Links  Kameron Helmuth on LinkedIn Brad Quick Connect with our host Lauren on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Disclosure You may not have the same outcome as the client(s) discussed during this podcast. Each investor's needs and circumstances are different and require conversations with a financial professional to determine what is best for your specific needs. Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Women are making significant medical strides, breaking down barriers, and excelling in diverse specialties. However, their road to financial freedom is often paved with hurdles requiring a personalized and gender-aware approach.  In this episode, Lauren continues the Meet Our Advisors series and talks with Jacquelyn Denson, Financial Advisor at Vestia. Jacque is passionate about creating long-term relationships with women in medicine and helping them with their unique challenges in the workforce and life. She believes in values-based financial planning, empowering them to achieve their goals today and in the future. Jacque wants her clients to build wealth that matters and protect their income in a way they can enjoy today. Passionate about seeing a change in the financial industry from a gender diversity standpoint, Jacque talks with Lauren about why she chose to specialize in working with women physicians. She discusses how she provides personalized financial planning strategies to meet her client's present and future goals. Jacque also shares the importance of building long-term relationships with clients and helping them navigate life's curveballs. Key Takeaways [01:23] - Jacque's personal and professional background. [04:17] - What inspired Jacque to become a financial advisor? [08:08] - How Jacque helps clients navigate big financial decisions. [13:35] - Balancing financial planning with clients' personal values and goals. [17:40] - Why Jacque chose to focus on serving women physicians. [21:31] - How Jacque helps her clients optimize their portfolios. [29:59] - The benefits of virtual engagement with clients. [36:39] - Jacque's tips for choosing a good bottle of wine. [39:32] - Choosing the right wine style for different dishes. [42:43] - What Jacque thinks “wealth that matters” means. Quotes [06:49] - "You can take a black-and-white plan and follow the steps, but it's never going to look the same for everyone. There's always going to be curveballs." ~ Jacquelyn Denson [08:46] - "I always tell my clients, let's start with the math, start with the data, and work our way backward into the human element." ~ Jacquelyn Denson [18:25] - "There are a lot of crossovers between women in medicine and women in finance, and I am very passionate about equal pay and opportunity for equal talent and work." ~ Jacquelyn Denson Links  Jacquelyn Denson on LinkedIn Vestia Wealth Advisors Edward Jones Lincoln Financial Larson Financial Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

The Doctors Eyes Only podcast introduces a new series called Meet Our Advisors. In this series, we ask advisors questions about how they got to where they are, why their work is important to them, and why they value not just working as financial advisors but doing so at Vestia. In this episode, Lauren talks with Michael Trent, Partner at Vestia. Michael strives to help Vestia's highest caliber professionals get organized and remove uncertainty from their financial lives so they can have the lasting impact they desire. His experiences in the public and private sectors have shaped his perspective on leadership, community service, and financial practices. Michael believes that an advisor-client relationship should be based on trust and transparency. Driven by a desire for personal service and a more intimate approach to helping clients, Michael talks with Lauren about how he helps physicians plan for their financial futures. He discusses the importance of collaboration and communication in providing the best service to clients, as well as the qualities that make a good financial advisor. Key Takeaways [03:00] - An overview of Michael's professional and personal background. [04:44] - What inspired Michael to join the military? [09:36] - How Michael transitioned from the military to financial planning. [18:18] - The type of clients Michael enjoys working with. [22:38] - The importance of coordination in financial planning. [27:03] - The qualities Michael is looking for in a team member. [30:58] - What makes Vestia different from other financial firms? [36:19] - The greatest satisfaction in Michael's professional and personal life. [41:52] - How people can protect themselves from cyberattacks. Quotes [13:16] - "Each leg you take in your life and professional career, as long as you stay open-minded, builds on itself." ~ Michael Trent [20:52] - "Physicians need someone to help manage their priorities and time because they only have so much. They are still very passionate about things outside of work. And having a team that will bring that all together and have options, recommendations, meetings set up, and next steps means the world." ~ Michael Trent [31:22] - "We want to build the most collaborative firm in the country. That is sincerely our passion. Not just because we all want to collaborate, do life, and work together but because it certainly translates to a better service experience for our clients." ~ Michael Trent Links  Michael Trent on LinkedIn Tommy Martin Vestia Wealth Advisors Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more at vestiaadvisors.com.

When you hear the word "superhero," you probably imagine someone running around in a cape, mask, or tights, using their powers to protect cities from the forces of evil. But superheroes are not limited to comic books or Marvel movies. In fact, there are many people who go above and beyond to positively impact their communities. They may not possess superpowers, but they exhibit the same bravery, dedication, and selflessness as the superheroes we grew up reading about. In this episode, Lauren speaks with Dr. Amy Ho, Senior Vice President, Chief of Clinical Informatics at Integrative Emergency Services and the author of Is Mommy A Doctor or a Superhero? They discuss the role that real-life superheroes play in our lives. Dr. Ho’s work has been featured in venues such as NPR, The Today Show, Chicago Tribune, The Hill, and KevinMD. She has presented at TEDx, the American Medical Association, American Academy of Emergency Medicine, among many other endeavors. Dr. Ho talks with Lauren about what led her to study medicine, what inspired her to write a children’s book during the pandemic, and what COVID-19 taught us about work, safety, and motherhood.  Key Takeaways [02:53] - Why Dr. Amy Ho chose to pursue medicine. [09:25] - How Dr. Ho’s love of writing bled into her career.  [11:57] - Why Dr. Ho loves TED Talks. [16:56] - What inspired Dr. Ho’s book? [20:54] - What COVID-19 taught us about balancing work, safety, and motherhood. [26:22] - Who is Dr. Ho’s target audience for Is Mommy A Doctor or a Superhero? [29:30] - The logistics of bringing Dr. Ho’s book to life. [33:58] - Why you don’t need a publisher to write a book.  [36:56] - How Dr. Ho found her illustrator. [39:15] - How Dr. Ho’s work got featured on TLC’s “Untold Stories of the ER.” [43:01] - What “wealth that matters” means to Dr. Ho.  Quotes [09:28] - “There's a beauty to words. Words are awfully permanent, right? You open a book, you close the book, you reopen the page, it's still there.” ~ Dr. Amy Ho [20:54] - “While I was in the middle of the COVID pandemic, I realized that with stay-at-home and childcare closing and schools closing, that the world had really turned inwards. And when it turned inwards, it fell on the backs of moms.” ~ Dr. Amy Ho [27:23] - “The idea of celebrating all moms is where I wanted to go with this book, not just doctor moms, and letting little girls know that they can do whatever they want. You are empowered to do what you want with your own life.” ~ Dr. Amy Ho Links  Dr. Amy Faith Ho | LinkedIn Is Mommy a Doctor or Superhero? | Amazon Dr. Amy Faith Ho Integrative Emergency Services (IES) Compassion in Hate | Amy Ho | TEDxSMU A Story of Numbers | Amy Ho | TEDxUofIChicago Upwork Untold Stories of the ER on TLC Connect with our host Lauren Oschman | LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Vestia’s Women Physicians Practice Group Brings Clarity to Your Financial Journey As a woman physician, you are brilliant, driven, and dedicated. You deserve a financial advisor who understands the unique voice women bring to financial conversations. At Besier Personal Wealth Advisors, our Women Physicians Practice Group works to bring clarity to your financial journey. We start by uncovering the purpose for your money and design a completely unique strategy to balance your desires in the present with your dreams for the future. Our talented team takes financial management off of your plate to give you back precious time in your very busy life. Vestia can help you step into confidence and peace of mind around the money you work so very hard to earn. Learn more at vestiaadvisors.com/women. Vestia has a large team of advisors who work with specialized physicians nationwide. Check it all out at vestiaadvisors.com.

Your personal brand is being built every day in the way that you treat people, approach problems, and embrace change. Conversations about building a personal brand are common in careers like sales or marketing, but any profession can benefit from creating a strong presence. Many people struggle to get started and make genuine connections with their audience. In this episode, Kameron and Brad talk with Kevin Brown, Creator of the Device Nation podcast, Independent Device Distributor, and 30 year veteran in the orthopedics industry. He’s also a musician and seven-time President’s Club Award winner.   Kevin talks with Kameron and Brad about adapting and embracing change, building a personal brand, and getting started as an aspiring podcaster.  Key Takeaways [01:40] - An introduction to Kevin Brown. [04:02] - Kevin’s shift to orthopedics. [04:49] - How the role of the rep has changed over time. [10:30] - How a heightened workload affects relationship building with surgeons.  [12:44] - Kevin’s advice for creating a personal brand. [15:05] - The importance of adaptation in the orthopedic industry. [21:19] - How Kevin got his Device Nation podcast started. [30:51] - The intersection of business and orthopedics.  [35:43] - Key takeaways: adapt quickly, embrace change, and stay inquisitive. [38:10] - Why you should nurture an inquisitive mindset. Quotes [02:34] - “Rejection was something I really wanted to embrace as a life path.” ~ Kevin Brown [13:52] - “You have to build a brand locally so that when those winds of change come on your shore, you're the person they can't do without.” ~ Kevin Brown [20:07] - “If you wake up every day and you try to do right by everyone you come across, quota seems to take care of itself.” ~ Kevin Brown Links  Kevin Brown on LinkedIn Device Nation on Apple Podcasts Device Nation on Spotify Zimmer Biomet Vinod Dasa MD on LinkedIn Device Nation's Episode with Dr. Anthony Hedley Device Nation's Episode with Dr. Larry Dorr Bigger Pockets Podcast Connect with our hosts Brad on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Orthopedic Surgeons We believe orthopedic surgeons deserve a financial advisor who is a specialist, not a generalist. Your advisor should understand that buying into a surgery center could be more profitable than your stock portfolio. We need to be thinking about tax planning strategies, asset protection, and so much more. Investments is only scratching the surface of a great financial strategy. Our team of action-oriented advisors can bring you the innovative financial ideas just as you innovate to transform the lives of your patients. Once we understand your definition of success, you can delegate and know we are on it, saving you precious time. Learn more by visiting vestiaadvisors.com/orthopedics. In addition to orthopedics, our team members work with other specialized physicians nationwide. Check it all out at vestiaadvisors.com.

Negotiation is a valuable skill that can bring your career to the next level. While we may know what we want on paper, navigating this conversation in practice seems daunting and unpredictable to many. But what if negotiation is not as scary as we were led to believe? It may be a muscle that needs training, but negotiation boils down to knowing your value, remaining transparent about your needs, and effectively communicating them.  In this episode, Kameron and Brad speak to Emily Ast, Owner and Attorney at Ast Physician Contracts who specializes in contract negotiations for employment and industry arrangements in the medical field. They discuss how Emily’s background as a competitive gymnast influenced her career path, why considering all currencies is crucial in contract negotiation, and what legal resources are available for orthopedic surgeons.  Emily talks with Kameron and Brad about the role of transparency in contract negotiation, her top negotiation tips, and the importance of speaking up for yourself to secure a contract that best fits your needs.  Key Takeaways [01:18] - An introduction to Emily Ast. [03:51] - How orthopedics differs from other specialties.  [06:17] - How Emily approaches her role with new clients. [09:27] - The role of transparency in contract negotiation. [13:23] - Emily’s top three negotiation tips. [22:20] - Why you should narrow your consulting agreements. [27:33] - How to balance your primary employer and an industry consulting position. [32:53] - Should you patent your ideas? [35:38] - Legal resources for orthopedic surgeons.  [39:00] - Actionable takeaways: package requests together, consider all currencies, and know your value. Quotes [13:38] - “When physicians are going into these conversations, they can make them more productive and not feel so ‘me against someone else.’ It really shouldn't be like that. It's really everybody's just trying to get to the best solution for everyone.” ~ Emily Ast [14:43] - “Consider all currencies. People zero in on the compensation number, the actual formula. There are other forms of compensation like signing bonuses, paid call, paying for CME courses you'd already be going to. If you're driving between multiple offices, it's appropriate to ask for a mileage reimbursement or for the practice to pay for a car lease.” ~ Emily Ast [41:54] - “Know your value. Don’t hesitate to speak up for yourself in a polite and collaborative way. You don’t get what you don’t ask for.” ~ Emily Ast Links  Emily Ast on LinkedIn Ast Physician Contracts University of Pennsylvania University of Pennsylvania Carey Law School Willkie Farr & Gallagher LLP Foundation for Physician Advancement Eastern Orthopaedic Association Connect with our hosts Brad on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Orthopedic Surgeons We believe orthopedic surgeons deserve a financial advisor who is a specialist, not a generalist. Your advisor should understand that buying into a surgery center could be more profitable than your stock portfolio. We need to be thinking about tax planning strategies, asset protection, and so much more. Investments is only scratching the surface of a great financial strategy. Our team of action-oriented advisors can bring you the innovative financial ideas just as you innovate to transform the lives of your patients. Once we understand your definition of success, you can delegate and know we are on it, saving you precious time. Learn more by visiting vestiaadvisors.com/orthopedics. In addition to orthopedics, our team members work with other specialized physicians nationwide. Check it all out at vestiaadvisors.com.

Medical professionals have unique financial challenges and opportunities. But with the ever-evolving healthcare industry and economic changes, it can be difficult to keep track of the best financial strategies. With tax planning at the forefront for 2023, how can physicians make smart financial decisions and build wealth over time? In this episode, Lauren and Kameron talk about the hot tips for physician finances in 2023. They dive deeper into the changes to the contribution limits for 2023, what physicians need to know about Secure Act 2.0, and what recommendations Lauren and Kameron have for all physicians. Key Takeaways [01:03] - Lauren and Kameron's favorite podcast episodes. [04:18] - The changes to the contribution limits for 2023. [07:31] - Kameron's advice to physicians who earn more money. [10:22] - What physicians need to know about Secure Act 2.0. [14:05] - How 529 funds can be rolled over to Roth IRAs. [19:19] - What excites Lauren about the physician's retirement contribution for 2023. [24:22] - Why people should revisit their estate plans now. [29:06] - The recommendation Kameron has for all physicians. [31:52] - How Vestia helps physicians stay invested in tough markets. [35:46] - A powerful tool for diversifying portfolios. [40:53] - Kameron's three key takeaways. Quotes [09:16] - "Take advantage of every opportunity that's out there. Talk to your advisor and make sure you're funding the appropriate amount for your plan to maximize your benefits." ~ Kameron Helmuth [24:07] - "Our entire team at Vestia doesn’t want to just be adding value today. We want to be proactive in thinking strategically about what is coming and how we can start now to put ourselves in a good position for what we think will happen in the future." ~ Lauren Oschman [41:27] - "Whatever you're invested in needs to be with conviction, and you need an advisor that's bringing you proactive recommendations that will accommodate the current macroeconomic situation we're in." ~ Kameron Helmuth Links  Dr. Mary O'Connor  Dr. Nneka Unachukwu Dr. Anu Brixey Teresa Ford Dr. Bryan Springer SECURE 2.0 Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Opioids are commonly used to treat chronic pain. They can, however, be highly addictive and have severe consequences for an individual's health. In this episode, Kameron shares his conversation with Tommy Martin and Shan Padda from the Beyond the Ordinary podcast. Tommy is the CEO of Mammoth and a Partner at Vestia Personal Wealth Advisor. Tommy also serves as a strategic advisor to many of healthcare’s leading doctors, hospital CEOs, and medical technology founders. Shan Padda is the CEO of Harvard MedTech and has been passionate about relieving patients’ pain without using opioids since he was a university student. Harvard MedTech’s Vx Therapy Program heals patients using virtual reality and helps 80% of patients suffering from chronic pain safely without any risk of addiction. Understanding the dangers of opioids for relieving chronic pain, Shan talks with Kameron and Tommy about his quest to mitigate the country’s opioid epidemic, how he disrupts the healthcare industry, and why orthopedic surgeons support virtual reality therapy as a solution to chronic pain. Key Takeaways [02:45] - How Shan became a serial entrepreneur. [04:55] - Shan's Harvard acceptance and college experience. [07:43] - What prompted Shan to start his first company. [09:42] - How Shan disrupted the home infusion therapy industry. [13:21] - Shan’s quest to mitigate the country’s opioid epidemic.   [17:31] - How Harvard MedTech heals patients without narcotics. [21:52] - How Harvard MedTech therapy helps soldiers suffering from PTSD. [23:15] - Why orthopedic surgeons love Harvard MedTech’s Vx Therapy Program. [32:32] - Shan’s entrepreneurial philosophy. [34:09] - The impact of Harvard MedTech therapy on insurance payers. [36:18] - Why insurance companies proactively promote Harvard MedTech’s Vx Therapy Program. Quotes [09:18] - "My vision has always been maximizing the patient experience. If you have a better patient experience, the patient will get better faster. And that’s what healthcare is supposed to be about." ~ Shan Padda [20:04] - "When a patient has a VR headset with the right type of programming, they don’t feel their pain because their brain has automatically deprioritized it. The level of pain relief it provides is about a 50% analgesic benefit, the same benefit you would get from taking an opioid." ~ Shan Padda [32:32] - "When one is trying to create entrepreneurial constructs, you need to create an environment that adds the most value and creates the least amount of friction for whoever you're trying to partner with." ~ Shan Padda Links  Shan Padda on LinkedIn Tommy Martin on LinkedIn Harvard MedTech Vx Therapy Program Harvard University Centers for Disease Control and Prevention UnitedHealthcare Connect with our hosts Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Women have made significant strides in the medical profession over the past few decades, yet they still need to be represented in certain fields. One such area is radiology. That is why it is so important to have a supportive community that can provide the mentorship, support, and guidance that women radiologists need to advance their careers and assume leadership positions without bias. In this episode, Lauren and Jacque talk with Dr. Anu Brixey, Assistant Professor of Radiology in the Cardiothoracic Imaging section at Oregon Health and Science University (OHSU). Dr. Anu is active in numerous medical societies, including the American College of Radiology, the Society of Thoracic Radiology, and the RSNA (Radiologic Society of North America). She demonstrates natural leadership with enthusiasm, outstanding communication skills, and ease of working with others. Dr. Anu won the Outstanding Teacher of the Year Award in 2021 and is well-respected by clinicians, colleagues, and trainees. Also a Chair and Co-Founder of the OHSU Women in Radiology Group, Dr. Anu talks about the reasons she chose to return to residency, the importance of having a community for women in radiology, and how she helps women advance and assume leadership positions in radiology. Key Takeaways [02:03] - What motivated Dr. Anu to study medicine. [09:57] - The reasons Dr. Anu chose to return to residency. [17:00] - The impact of COVID on Dr. Anu's career. [18:41] - The importance of having a community for women in radiology. [22:29] - How Dr. Anu addresses the needs of women radiologists. [26:55] - How Dr. Anu helped women advance in radiology. [30:56] - The advice Dr. Anu gives to all physician wives. [38:50] - What Dr. Anu defines as wealth that matters. Quotes [07:34] - "Helping people solve a problem that is not easy to figure out is the most satisfying thing to me." ~ Dr. Anu Brixey [13:53] - "When you do what you love, it doesn't feel like work anymore." ~ Dr. Anu Brixey [27:35] - "Everything we have in life is a result of somebody else helping us. It's like being raised as a child. You have to pay it forward because you've got help from other people in the past." ~ Dr. Anu Brixey Links  Dr. Anu Brixey on LinkedIn Dr. Anu Brixey on Twitter Oregon Health and Science University Society of Thoracic Radiology Vanderbilt University of Medical Care Connect with our hosts Lauren on LinkedIn Jacque on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Vestia’s Women Physicians Practice Group Brings Clarity to Your Financial Journey As a woman physician, you are brilliant, driven, and dedicated. You deserve a financial advisor who understands the unique voice women bring to financial conversations. At Besier Personal Wealth Advisors, our Women Physicians Practice Group works to bring clarity to your financial journey. We start by uncovering the purpose for your money and design a completely unique strategy to balance your desires in the present with your dreams for the future. Our talented team takes financial management off of your plate to give you back precious time in your very busy life. Vestia can help you step into confidence and peace of mind around the money you work so very hard to earn. Learn more at vestiaadvisors.com/women. Vestia has a large team of advisors who work with specialized physicians nationwide. Check it all out at vestiaadvisors.com.

Physicians are increasingly seeing entrepreneurship as a way to improve the quality of care they can provide their patients, create a legacy beyond their years of training, and build a successful business. While starting a business is never easy, physicians have many unique advantages that can help them create a highly profitable business.  In this episode, Lauren and Jacque talk with Dr. Nneka Unachukwu or Dr. "Una,". She is the Founder and CEO of EntreMD. Dr. Una created the EntreMD business school, podcast, and community to help physicians build personal brands around their expertise, open practices, and develop product lines. Dr. Una talks with Lauren and Jacque about why physicians can build the most innovative, impactful, and profitable businesses, what the EntreMD model is, and how she helps doctors build highly profitable businesses so they can have the freedom to live life and practice medicine on their terms. Key Takeaways [02:31] - Dr. Una's background and how she became a physician. [09:22] - What inspired Dr. Una to create EntreMD. [15:28] - How Dr. Una overcame her fears when she started her business. [20:16] - Dr. Una's definition of retirement. [25:07] - The EntreMD model. [28:55] - The impact Dr. Una has on doctors' lives. [31:13] - Why women should take pride in their brilliance. [36:16] - What it means to be the most expensive person on the team. [42:39] - Overcoming mom guilt as an entrepreneur. [51:11] - Dr. Una's definition of wealth that matters. Quotes [11:46] - "Wherever we are as physicians, it's not about quitting medicine. It's about putting yourself in a position where you understand how to create revenue, create a career you love, and create a business you love. So, you have the freedom to do it the way you want." ~ Dr. Nneka Unachukwu [16:05] - "In our journey, whether personal development as a whole or as entrepreneurs, fear means that you are at the edge of your comfort zone and about to step out of it. You're about to step into the place where all the magic happens." ~ Dr. Nneka Unachukwu [35:25] - "My message to physicians is that you're a Rolls-Royce. Show up as a Rolls-Royce. Act like a Rolls-Royce. Expect to be treated like a Rolls-Royce. Say no to things they wouldn't tell a Rolls-Royce to do." ~ Dr. Nneka Unachukwu Links  Dr. Nneka Unachukwu on LinkedIn The EntreMD Podcast The EntreMD Method: A Proven Roadmap for Doctors Who Want to Live Life and Practice Medicine on Their Terms The EntreMD Brave Enough FBLA-PBL Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time Brad Quick Vestia Wealth Advisors Connect with our hosts Lauren on LinkedIn Jacque on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Vestia’s Women Physicians Practice Group Brings Clarity to Your Financial Journey As a woman physician, you are brilliant, driven, and dedicated. You deserve a financial advisor who understands the unique voice women bring to financial conversations. At Besier Personal Wealth Advisors, our Women Physicians Practice Group works to bring clarity to your financial journey. We start by uncovering the purpose for your money and design a completely unique strategy to balance your desires in the present with your dreams for the future. Our talented team takes financial management off of your plate to give you back precious time in your very busy life. Vestia can help you step into confidence and peace of mind around the money you work so very hard to earn. Learn more at vestiaadvisors.com/women. Vestia has a large team of advisors who work with specialized physicians nationwide. Check it all out at vestiaadvisors.com.

Orthopedic care is one of the most commonly sought-after medical services. It is also one of the most complex, with a wide range of subspecialties and treatment options. In this episode, Lauren and Jacque talk with Dr. Mary O'Connor, Chief Medical Officer and Co-Founder of Vori Health. As an orthopedic surgeon and academic leader at Mayo Clinic for over 24 years and Yale University School of Medicine for over five years, Dr. O’Connor knows the problems facing patients, providers, and payers in musculoskeletal care. At Vori Health, Dr. O’Connor brings her clinical & administrative experience, passion for change, and missional focus to the patients and systems. Dr. O’Connor talks with Lauren and Jacque about how she redesigns and transforms orthopedic and healthcare delivery. Dr. O’Connor also speaks about what motivated her to advocate for women and what she would like to share with orthopedic surgeons who want to become entrepreneurs.  Key Takeaways [02:37] - Dr. O’Connor’s life before becoming an orthopedic surgeon. [05:47] - Why are more women becoming nurse practitioners or physician assistants? [08:11] - Why Dr. O’Connor chose to become an orthopedic surgeon. [12:01] - What studies say about female physicians leading a hospital team. [16:17] - What inspired Dr. O’Connor to advocate for women. [20:57] - What Dr. O’Connor stands for regarding women in sports. [25:02] - How Dr. O’Connor redesigned orthopedic care. [28:57] - Why reforming the healthcare system is difficult. [31:19] - How Vori Health has revolutionized medical practice. [34:24] - The challenge of transitioning from a high-paying job to a start-up. [40:38] - Dr. O’Connor's advice to women orthopedic surgeons interested in entrepreneurship. [47:58] - What Dr. O’Connor's book, Taking Care of Yourself, is all about. [53:08] - Dr. O’Connor’s definition of wealth that matters. Quotes [28:57] - "Making a change in these big, established healthcare systems is very difficult. It's not because the people there don't recognize that change is needed but because the system is anchored to the current model, the status quo. And by that, I mean it's the money." ~ Dr. Mary O'Connor [43:37] - "Unless you decide to stay a practicing orthopedic surgeon for the rest of your career, if you think you want to pivot, then you need to put yourself in a position where you can afford to do it financially." ~ Dr. Mary O'Connor [49:17] - "Disparities in healthcare are very real for women and individuals of color." ~ Dr. Mary O'Connor Links  Dr. Mary O'Connor on LinkedIn Dr. Mary O'Connor on Twitter Dr. Mary O'Connor, Mayo Clinic Mayo Foundation for Medical Education and Research Mayo Clinic Yale School of Medicine Yale University The New York Times International Herald Tribune Independent Council on Women's Sports Vori Health Taking Care of Yourself: The Empowered Woman's Guide to Better Health Kanwal Haq Connect with our hosts Lauren on LinkedIn Jacque on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Vestia’s Women Physicians Practice Group Brings Clarity to Your Financial Journey As a woman physician, you are brilliant, driven, and dedicated. You deserve a financial advisor who understands the unique voice women bring to financial conversations. At Besier Personal Wealth Advisors, our Women Physicians Practice Group works to bring clarity to your financial journey. We start by uncovering the purpose for your money and design a completely unique strategy to balance your desires in the present with your dreams for the future. Our talented team takes financial management off of your plate to give you back precious time in your very busy life. Vestia can help you step into confidence and peace of mind around the money you work so very hard to earn. Learn more at vestiaadvisors.com/women. Vestia has a large team of advisors who work with specialized physicians nationwide. Check it all out at vestiaadvisors.com.

'Tis the season for year-end financial planning. Like most people, you're probably thinking about how to minimize your taxes for the upcoming year. While tax accounting is important, it's only one piece of the puzzle. As we close out the year, many other financial planning considerations exist.  In this episode, Vestia's Partners and Financial Advisors, Lauren and Kameron, talk about year-end planning. They speak about the top five financial planning strategies that every physician should know. Lauren and Kameron also share their strategies and favorite tricks to save on taxes. Key Takeaways [01:19] - The good news about the market today. [06:01] - The opportunities for doctors in a down market. [08:06] - How to plan for year-end taxes. [10:17] - The importance of having a CPA or an advisor. [15:45] - Lauren and Kameron's strategies for itemized deductions. [21:41] - Lauren's favorite tax-saving trick. [25:37] - Why cash is no longer worthless. [30:24] - Spending employer or self-employed benefits. Quotes [08:38] - "If you're a doctor, make sure you get an accountant. Don't do this on your own. Your time's way too valuable." ~ Kameron Helmuth [13:48] - "I see many doctors who are borderline between the standard deduction and itemizing. If they were to have proactive conversations with their CPA or advisor, they could find great ways to save on taxes this year and maximize their tax return instead of just preparing and filing." ~ Kameron Helmuth [36:12] - "We always tell our physician clients that their time and attention are better spent elsewhere. Having someone like Vestia, a trusted advisor who can steer the direction of what they need to do for year-end planning, tax accounting, and all of these things, is extremely critical." ~ Kameron Helmuth Links  Crohn's and Colitis Foundation Marcus by Goldman Sachs Vestia Personal Wealth Advisors on LinkedIn Vestia on Facebook Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial advisors for physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

The use of social media has revolutionized the way we communicate and connect. For orthopedic surgeons, social media platforms open up a new world of possibilities and opportunities outside clinical practice. It allows them to interact with industry leaders, learn about new research and developments, and build a personal brand. What strategies can surgeons use to make the most of their online presence?  In this episode, Brad and Kameron talk with Dhanur Damodar, Orthopedic Sports Medicine Surgeon at Rebound Orthopedics & Neurosurgery. Taking his entrepreneurial spirit beyond orthopedic surgery, Dhanur talks about branching into the digital health space. He gives insights on how he uses social media to look for opportunities outside of clinical practice and the playbook he uses to find startups and orthopedic device companies on LinkedIn. Key Takeaways [01:01] - An overview of Dhanur's professional and personal background. [03:41] - What motivated Dhanur to pursue a career in sports orthopedics. [05:39] - How Dhanur became a successful orthopedic sports medicine surgeon. [09:09] - How Dhanur found great mentors. [13:36] - The power of social media to find opportunities outside of clinical practice. [17:02] - Dhanur's thoughts on showing clinical aspects of orthopedics on social media. [19:58] - How Dhanur builds his brand on social media. [25:42] - Dhanur's playbook for finding startups and orthopedic device companies on LinkedIn. [28:56] - The key takeaways from the episode. [31:50] - Dhanur's advice to junior residents. Quotes [04:34] - "Treat young and high-level athletic patients, but you also treat people trying to get back to doing their daily activities. You sometimes get more joy out of those interactions because those people are just trying to do the basics." ~ Dhanur Damodar  [13:57] - "If you have an interest outside of your clinical practice, whether the business side of medicine or digital health consulting opportunities, you can't just sit back and rest on your laurels and expect them to fall into your lap. You have to meet people. You have to network." ~ Dhanur Damodar [32:06] - "As a junior resident, you need to focus on getting a good fellowship, getting your clinical training, or staying late. That's ultimately the most important thing because you'll never get that time back." ~ Dhanur Damodar Links  Dhanur Damodar on LinkedIn Dhanur Damodar on Instagram Rush University Medical Center Dr. Hustle: 9 Core Principles to Help You Build a Thriving Practice in Today's Competitive, Constantly Changing Healthcare Market Connect with our hosts Brad on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial advisors for orthopedic surgeons We believe orthopedic surgeons deserve a financial advisor who is a specialist, not a generalist. Your advisor should understand that buying into a surgery center could be more profitable than your stock portfolio. We need to be thinking about tax planning strategies, asset protection, and so much more. Investments is only scratching the surface of a great financial strategy. Our team of action-oriented advisors can bring you the innovative financial ideas just as you innovate to transform the lives of your patients. Once we understand your definition of success, you can delegate and know we are on it, saving you precious time. Learn more by visiting vestiaadvisors.com/orthopedics. In addition to orthopedics, our team members work with other specialized physicians nationwide. Check it all out at vestiaadvisors.com.