One Coordinated System for the Whole Financial Side of Locum Practice.
The Locum Wealth System is how Locum Independence organizes the financial side of a locum career. Your income structure, taxes, retirement, benefits, insurance, and investments run as one coordinated strategy.
It's built for physicians who've left, or are leaving, W-2 employment for 1099 locum work. Your clinical time stays clinical. The financial coordination becomes our job.
Leaving W-2 Employment Hands You a Job Nobody Trained You For.
When you were employed, your retirement plan, your health coverage, your disability and life insurance, your tax withholding, and the business infrastructure behind your paycheck were all handled in the background. Locum work moves every one of those onto your side of the table, all at once.
Most physicians end up managing them the way the market is built to sell them: a CPA over here, a financial advisor over there, an insurance broker who checked in once, an attorney who shows up when something breaks. Each one is good at their piece, and each one works from a partial view. The space between them is where money leaks out, quietly and predictably.
The Locum Wealth System exists to close that space. One team, one shared view of your finances, and one strategy every specialist works from.
You Build the Plan First, Then We Keep It Working as Your Career Changes.
The System runs in two phases. First we build your financial structure, then we coordinate it across the life of your locum career.
Phase 1 - Build your plan
Phase 1 builds the structure in the order that keeps each decision from undoing the next. Six stages carry you from the foundation your income runs on through to the wealth that eventually makes clinical work optional.
Structure your independence
The business, banking, and accounting layer your income flows through.
Build your tax strategy
Proactive planning for 1099 and multi-state income, set before the first check clears.
Rebuild your benefits
Health, disability, life, liability, and asset protection, rebuilt as one package.
Build your retirement strategy
The retirement vehicles open to 1099 physicians, set up to actually work for you.
Build your wealth
Investment management and real estate that turn income into personal assets.
Reach financial independence
Enough wealth and recurring income that practicing becomes a choice.
By the end of Phase 1 you have a complete financial structure and a specific independence target: the number, the timeline, and the strategy to reach it.
Phase 2 - Ongoing coordination
Locum careers keep moving, through new assignments, new states, changing income, and new tax rules. Phase 2 is the ongoing relationship that keeps your plan current as all of that shifts.
Annual strategy updates
Once a year your full team reviews everything against your independence target and folds in tax-law changes, income shifts, and new opportunities.
Specialist coordination
Your specialists stay in regular contact, so a change in one part of your finances updates the rest.
Investment oversight
Your portfolio is monitored and rebalanced against your independence target on an ongoing basis.
Ongoing optimization
As the tax code, investment options, and real estate markets change, your strategy adjusts while the opportunity is still open.
One Wealth Relationship, With a Full Bench Behind It.
At the center of the System is your wealth management relationship. Everything else supports it. When your plan needs tax work, legal work, insurance, benefits, student-loan strategy, or real estate, the specialist for that discipline is already on your team and already working from your full picture.
Already have a CPA or an attorney you trust? Keep them. We coordinate around the relationships that are working and fill in the ones that are missing.