Question 1

What is Locum Independence?

Accepted Answer

Locum Independence is a coordinated advisory network built specifically for 1099 physicians. We connect independent and transitioning locum tenens doctors with vetted specialists across wealth management, tax strategy, legal protection, insurance, benefits, real estate, student loans, and locum recruitment. The goal is one coherent financial and professional life — not eight disconnected conversations.

Question 2

What is the Locum Wealth System?

Accepted Answer

The Locum Wealth System is the structured program Locum Independence delivers. It brings together the eight disciplines that matter most to high-income independent physicians — organized into a coordinated strategy rather than siloed advice. It’s designed so that what your tax advisor does and what your wealth advisor does are actually working in the same direction.

Question 3

Is Locum Independence a financial firm, a staffing agency, or something else?

Accepted Answer

Neither — and that distinction matters. Locum Independence is a coordinated advisory network. We don’t manage your money, file your taxes, or place you in assignments ourselves. We connect you with trusted specialists in each discipline and ensure those specialists are working together on your behalf. Think of it as having a strategic quarterback for your entire financial and professional life.

Question 4

Who built this and why?

Accepted Answer

Locum Independence was built by people who watched independent physicians get excellent advice in isolation — and mediocre outcomes overall. A great tax strategy that ignores your investment portfolio, or disability coverage that doesn’t account for your income structure, leaves real money and real protection on the table. We built a better model.

Question 5

Is this only for locum tenens physicians?

Accepted Answer

Locum tenens physicians are our core client, but the Locum Wealth System serves any physician operating as a 1099 independent contractor — whether you’re full-time locum, splitting W-2 and 1099 income, or in the process of transitioning from an employed position. If your income is independent and complex, you belong here.

Question 6

What income level is a good fit?

Accepted Answer

Our specialists work best with physicians earning $250,000 or more in 1099 income. At that level, the tax efficiency, asset protection, and wealth-building strategies we coordinate produce meaningful, compounding results. If you’re earlier in your locum transition, we can still point you toward the right starting place.

Question 7

I’m still employed. Is it too early to connect with Locum Independence?

Accepted Answer

It’s almost never too early. Physicians who engage before they transition make better structural decisions from day one — entity setup, benefit replacement, insurance continuity, and tax positioning. Waiting until after you’ve made the move often means correcting avoidable mistakes.

Question 8

Do you work with non-physician healthcare providers?

Accepted Answer

Our specialists have the deepest experience with physicians, but many of the strategies in the Locum Wealth System apply to high-income independent healthcare professionals more broadly. Reach out and we’ll tell you directly whether we’re the right fit.

Question 9

What does the process look like when I engage?

Accepted Answer

It starts with a Strategy Session — a focused conversation to understand your current situation, your goals, and where the gaps are. From there, we identify which specialists are most relevant to you and facilitate warm introductions. Each advisor you connect with knows the bigger picture you’re working toward.

Question 10

Do I have to work with all eight specialists?

Accepted Answer

No. Your situation determines which disciplines are most urgent. Some physicians start with tax and wealth strategy. Others come to us because student loan debt or insurance gaps are the priority. The Locum Wealth System is designed to be comprehensive, but your engagement begins where it needs to.

Question 11

How do the specialists coordinate with each other?

Accepted Answer

Coordination is built into the engagement model. The specialists in the Locum Independence network are not strangers to each other — they work within a shared framework and communicate directly when your strategy requires it. You don’t have to play telephone between your CPA and your financial advisor.

Question 12

Is everything done remotely, or is there in-person availability?

Accepted Answer

Our specialists work with physicians across multiple states, and most engagements are conducted remotely. Where in-person meetings are available or preferred, we’ll let you know during your Strategy Session.

Question 13

How were the specialists in the network selected?

Accepted Answer

Each specialist was evaluated on their depth of experience with high-income independent physicians, their track record, and their ability to operate within a coordinated, client-first model. Credentials matter, but so does fit — we don’t add generalists to the network.

Question 14

Are the specialists fiduciaries?

Accepted Answer

Our wealth management advisor operates on a fiduciary model — meaning they are legally obligated to act in your interest. Each specialist in the network operates under the ethical and professional standards of their respective discipline. We’ll be transparent about each advisor’s structure before you engage.

Question 15

Can I work with one specialist without engaging the full network?

Accepted Answer

Yes. If you have an immediate, specific need — student loan strategy, malpractice coverage review, locum contract negotiation — we can connect you with the right specialist directly. Many physicians start narrow and expand their engagement over time as they see the value of coordination.

Question 16

What if I already have an advisor in one area — can I still use Locum Independence?

Accepted Answer

Absolutely. Many physicians come to us with an existing CPA, financial advisor, or attorney. We can either work alongside your current advisors or help you assess whether they’re the right fit for the complexity of your independent income. We’re not here to displace relationships that are working.

Question 17

How does the fee structure work?

Accepted Answer

Each specialist in the network has their own fee structure, which varies by discipline and scope of engagement. Your Strategy Session will give you full clarity on what any engagement would cost before you commit. There are no hidden referral fees buried in the process — transparency is part of the model.

Question 18

Is the initial Strategy Session free?

Accepted Answer

Yes. The Strategy Session is a no-cost, no-obligation conversation. It’s designed to give you genuine clarity on where you stand and what’s possible — not to sell you into a package.

Question 19

Am I locked into a long-term contract?

Accepted Answer

Engagement structures vary by specialist and service. Some relationships are ongoing (monthly tax advisory, wealth management), while others are project-based (estate planning, student loan analysis). You’ll know the terms before you start.

Question 20

What should I bring to the Strategy Session?

Accepted Answer

Come with a general picture of your current income structure, any existing advisors or coverage, your biggest financial concerns, and your goals — both near-term and long-term. You don’t need to have it all organized. That’s part of what the session helps you do.

Question 21

What happens after the Strategy Session?

Accepted Answer

You’ll leave with a clear picture of which areas of the Locum Wealth System apply to your situation and which specialists are the right next step. We handle the introductions. You stay in the driver’s seat.

Question 22

I’m ready. How do I book a Strategy Session?

Accepted Answer

Use the booking link on the Book a Strategy Session page. Select a time that works, and a member of the Locum Independence team will confirm and prepare for your conversation. It takes less than two minutes to get on the calendar.

Questions Worth Asking.

About Locum Independence

Who It’s For

The System

The Specialists

Fees and Engagement

Getting Started

Still Have Questions?