Insights for the Financially Independent Physician.
Expert financial insights, tax strategies, and wealth-building guidance for physicians making the locum tenens transition.
Locum Tenens Compensation: What the Rate Actually Means for Your Take-Home Pay
Locum tenens pay rates look straightforward. What you actually take home depends on structure, taxes, and decisions most physicians don't make early enough.
The Physician's Guide to Business Deductions on 1099 Locum Income
1099 locum physicians have access to business deductions that W-2 physicians don't. Here's what qualifies, what gets missed, and how structure determines what you keep.
What Every Locum Physician Needs to Know Before Their First 1099 Tax Year
Your first year as a 1099 locum physician creates tax obligations most doctors haven't encountered before. Here's what to know — and when to know it.
Tax Filing Is the Minimum. Here's What Locum Physicians Actually Need.
Most locum physicians file their taxes. Few have a year-round tax strategy. The gap between those two approaches costs more than most physicians realize.
The W-2 to 1099 Switch Changes Your Tax Situation Completely. Here's What That Actually Means.
The tax implications of going 1099 aren't just administrative — they're structural. Here's what locum physicians need to understand before their first independent contract.
Why Physicians Reach Financial Independence Late — And How to Fix It
Most physicians start earning late, carry heavy debt, and follow conventional financial advice that wasn't built for them. Here's why the standard path delays financial independence — and what the alternative looks like.
S-Corp vs. LLC: The Entity Decision Every Locum Physician Faces
The choice between an S-Corp and an LLC isn't straightforward for locum physicians. The right answer depends on your income level, state tax situation, and long-term financial strategy.
The Three Malpractice Coverage Mistakes Locum Physicians Make
Malpractice coverage for locum physicians is more complex than most realize. These three common mistakes leave physicians exposed — often without knowing it.
The Real Cost of Fragmented Financial Advice for Physicians
When your accountant, financial advisor, and insurance broker don't talk to each other, the cost isn't just inefficiency — it's real money leaving your financial life every year.
Why Locum Physicians Should Think Seriously About Real Estate
Real estate offers locum physicians something their clinical income can't: passive income that doesn't depend on showing up. But the approach matters as much as the decision.
PSLF as a 1099 Physician: What Changes and What Doesn't
If you're considering the move from employment to locum practice, your PSLF eligibility is one of the first things that changes. Here's what to know before you transition.