The Person Behind the System.
Locum Independence was built deliberately, by someone who watched independent physicians get fragmented advice and wanted a coordinated alternative.
David Swanson
David Swanson founded Locum Independence to give physicians the structure and coordination that high income alone doesn't provide. He works primarily with locum tenens physicians, helping them run the business side of independent practice without having to manage it themselves.
Early in his career, David noticed a pattern among high-income clients. Most were working with several professionals at once (a CPA, a financial planner, an insurance agent, an attorney), and almost none of those professionals were talking to each other. Each optimized their own piece. The gaps between them produced conflicting strategies, missed opportunities, and steady financial leakage over time.
He concluded that this was a coordination problem rather than a knowledge problem. The advice was usually sound. What was missing was anyone accountable for how the pieces fit together. Locum Independence was built to close that gap, bringing specialists into a single system where decisions are made with the full picture in view.
David has spent more than a decade owning and operating two wealth management firms focused on advanced tax reduction for business owners and high-income individuals. His work centers on designing financial structures that reduce unnecessary tax exposure, improve cash flow, and hold up against a long-term plan. He holds securities licenses, real estate licensure, and life and health insurance licenses, and is a Retirement Income Certified Professional (RICP®).
That same coordination problem shows up on the staffing side. Recruiters place physicians who are stepping into 1099 income for the first time, then field questions about taxes, entity structure, and benefits that fall outside what an agency can reasonably answer. David works directly with staffing agencies and independent recruiters as a referral partner, giving their placed physicians the financial infrastructure to make independent practice sustainable. Physicians who understand the business side stay in locum work longer, which serves the recruiter as much as the physician.
As a vendor member of the National Association of Locum Tenens Organizations, he stays close to the locum community and the specific planning challenges physicians face in non-traditional career paths. The goal he works toward with every client is the same: enough structure and enough accumulated wealth that continuing to work becomes a choice.