The W-2 to 1099 Decisions Most Locum Physicians Make Too Late.
The transition to locum tenens practice touches your entity structure, tax strategy, benefits, student loans, asset protection, and real estate. Each one affects the others. This checklist maps the decisions in the order they need to be made, from ninety days out through the ongoing structure that sustains a locum career.
Most physicians handle the transition reactively. The entity gets formed after the first contract is signed. Benefits get replaced after the employer coverage lapses. The tax exposure gets discovered at filing.
None of that is a failure of effort. It is a failure of sequence. The decisions are not difficult in isolation. They are difficult because they depend on each other, and because nobody tells you which ones are time-sensitive until the window has closed.
This checklist is the sequence.
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What's Inside
Transition Overview: what actually changes when you leave employment
Career Planning: assignment strategy, agency relationships, contract review
Financial Structure: entity selection, business banking, income management
Tax Planning: quarterly payments, deductions, retirement contribution coordination
Benefits Replacement: retirement, disability, life, malpractice, health
Student Loan Strategy: how going 1099 changes the payoff math and the forgiveness calculus
Estate and Asset Protection: the liability profile independent practice creates
Real Estate and Relocation: housing near assignments, investment considerations
Transition Timeline: what to do at ninety, sixty, and thirty days out
The Checklist Tells You What to Decide. It Does Not Decide It for You.
Every item on this list has a right answer for your specific income, specialty, debt load, and timeline. The checklist will not tell you which entity to form or whether PSLF still makes sense once you go 1099. Those answers depend on the rest of your financial picture.
That is what the strategy session is for. Sixty minutes, no obligation, no pitch.