Everything You Need to Understand Independent Practice.
Articles, calculators, guides, and reference material built specifically for physicians navigating the financial side of locum tenens.
Find What's Relevant to You.
Content organized around the decisions that matter most to locum physicians at every stage.
Tax Strategy
Entity structure, deductions, quarterly planning, and multi-state filing for 1099 physicians.
5 articlesFinancial Planning
Income optimization, compensation analysis, and building a financial structure that compounds.
3 articlesFinancial Independence
Retirement accounts, wealth-building timelines, and the path from high income to genuine freedom.
Risk Management
Malpractice coverage, disability insurance, asset protection, and the gaps most physicians miss.
1 articleRecent Articles.
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.
Numbers Specific to Your Situation.
Built around the variables that actually determine outcomes for 1099 physicians — income structure, entity type, tax strategy, and compounding timeline.
1099 Tax Savings Estimator
Model the difference between filing without a strategy and filing with one — based on your income, entity, and state.
Launch CalculatorFinancial Independence Timeline
See how much time a coordinated strategy could recover on your path to financial independence.
Launch CalculatorLocum vs. Employed Comparison
Run an honest comparison that accounts for benefits replacement, self-employment tax, and deduction opportunities.
Launch CalculatorInformation Gets You Ready. A Strategy Session Gets You Started.
These resources give you the framework. A strategy session applies it to your specific income, situation, and timeline.