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

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

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

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

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

For physicians’ personal taxes, they cover:

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

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

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

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

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

For practice owners, they address:

· 100% bonus depreciation

· Cost segregation studies and timing considerations for 2025

· Coordinating tax moves with quarterly estimates and cash flow

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

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

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

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

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

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

Topics covered include:

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

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

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

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

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

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

🔗 Stay connected with Dr. Adrienne Towsen:

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

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

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

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

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

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

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

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

To learn more or connect with Amanda:

• Visit ABTNHomes.com

• Follow Amanda on Instagram @AmandaBaronRealtor

• Listen to her podcast Behind the White Coat

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

What happens when you grow up with no doctors in your family, no blueprint to follow, and still find your way to the top of one of the most elite, male-dominated fields in medicine? In this unforgettable episode of Doctors Eyes Only, Lauren Oschman CFP® sits down with Dr. Betsy Grunch, a board-certified neurosurgeon, mother, and the powerhouse behind the LadySpineDoc brand.

Raised by a single mom who became quadriplegic in the line of duty, Betsy started her journey as a file clerk and CNA. Today, she’s not just operating in the OR, she’s inspiring millions across social media as one of the most relatable, respected physician voices online. If you’ve ever wondered whether social media has a place in a serious medical career, or how to build a life that honors both your ambition and your humanity, this episode is your answer.

We explore:

• How Dr. Grunch built trust with millions without compromising her identity as a surgeon

• The behind-the-scenes reality of growing a practice through content

• Her perspective on leadership, motherhood, and empowering her team

• Why visibility in medicine matters, especially for women and future generations

• What Wealth That Matters® looks like for a woman in surgery balancing impact, family, and personal wellness

This episode is a must-listen for physicians navigating identity, leadership, and influence in a rapidly evolving medical world. Whether you’re curious about building your brand, avoiding burnout, or simply finding inspiration from someone who’s walked a path few others have, Dr. Grunch delivers.

Connect with Dr. Betsy Grunch (LadySpineDoc):

• Follow on Instagram & TikTok: @LadySpineDoc

• Shop Empowering Apparel for Medical Professionals: ladyspinedoc.com

• Learn more about her clinical practice: drgrunch.com

Keywords:

Dr. Betsy Grunch, LadySpineDoc, surgeon influencer, neurosurgeon social media, financial planning for physicians, women in medicine, physician leadership, surgeon mom, social media for doctors, doctor content creator, wealth that matters, physician role models, female neurosurgeons

In Part 2 of our series, Doctors Eyes Only host and Vestia CEO Lauren Oschman, CFP®, shares 25 more financial planning insights designed specifically for physicians. This episode explores five advanced areas: investment strategy, tax planning, retirement planning, estate planning, and behavioral finance, with five practical tips in each.

Learn how to create a tax-efficient investment portfolio, evaluate employer-based retirement plans, avoid estate planning pitfalls, and stay on track with a financial strategy that reflects your goals and values. These tips are grounded in real scenarios physicians face, whether you’re navigating a private equity windfall, balancing Roth contributions, or preparing for retirement.

If you’re a physician aiming to make more informed, goal-oriented financial decisions, be sure to subscribe so you don’t miss future episodes. Part 2 rounds out the complete 50-tip framework to help you live your Wealth That Matters®.

Keywords: financial planning for physicians, retirement planning for doctors, tax strategy for physicians, physician investment planning, estate planning for doctors, private equity for doctors, financial advice for doctors, wealth management for physicians