The Reference Library for 1099 Physicians.
Articles, calculators, guides, and definitions for the financial side of locum work. Written for physicians who read the details.
Real Estate That Works as Hard as You Do
Whether short-term rental real estate belongs in your plan, how it fits a 1099 tax structure, and what it takes to own it without acquiring a second job.
Get the GuideW-2 to 1099 Transition Checklist
A step-by-step checklist for physicians moving from employment to locum tenens: career planning, entity structure, tax strategy, benefits, student loans, and timeline.
Get the ChecklistStart Where the Money Leaks.
Every article files under one of four pillars.
Tax Strategy
Entity structure, deductions, quarterly payments, and filing across the states you work in.
Wealth Acceleration
Where the money goes once your tax structure is settled: retirement accounts, real estate, and the debt you're carrying.
Protection Planning
Disability, malpractice, and liability coverage, plus the policy language that decides whether a claim actually pays.
Recent Articles.
Real Estate for Locum Physicians, Part Two: What a 1099 Income Changes
How a 1099 income changes real estate for locum physicians: why property deductions are worth more at your marginal rate, and why tax structure comes first.
Real Estate for Locum Physicians, Part One: Four Questions Before You Buy
Before a locum physician buys a short-term rental, four checks on goals, workload, cash reserves, and timing that decide whether it fits your income and schedule.
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.
Full index
10Run the Math on Your Own Numbers.
Three models. No account, and nothing you enter leaves your browser.
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 CalculatorTwenty-Two Terms, Defined Plainly.
The vocabulary that shows up in your contracts, your return, and your policy riders.
Open the GlossaryYou Can Read All of This and Still Not Know What to Do First.
Bring your current contract, your entity setup, and last year's return. Sixty minutes with the specialists who look at all three together.
Book a Strategy Session