Welcome to this week’s edition of the Doctor’s Eyes Only podcast where Vestia Partner and CEO Lauren Oschman discusses the flexibility and limitations of 529 education savings plans that physicians can potentially take advantage of when saving for their children’s future education costs. Lauren explains what a 529 savings plan is, how it works, and the benefits of using this investment strategy for the potential of tax free growth and state tax deductions. With most anything that has a tax benefit, 529 plans have limits to contributions, and the money can only be used for a select number of qualified expenses, but as Lauren explains, there have been recent changes that allow for more potential flexibility in how the funds can be used. Lauren also covers some other important scenarios such as receiving college scholarships and options available if someone over saves. As always, the information in this podcast is a general over head view of the different options and limitations of a 529 plan, and we suggest meeting with your financial advisor and your accountant before making investment or tax decisions based on your specific situation. If this is something that your advisor hasn’t quite gotten the depth of, or maybe you don’t have a financial advisor, we at Vestia have a great team of advisors who help doctors with this and other investment decisions. You can reach out to us at myteam@vestia.com, and an advisor will be in touch to discuss your potential options. Thank you for listening and/ or watching and make sure you subscribe or follow so that you don't miss any future episodes. #doctors #physicians #investing #529plan #educationsaving #collegesaving #wealththatmatters

Welcome to the Doctor’s Eyes Only podcast, this weeks episode features Vestia President, Partner, and COO Brad Quick as he talks about his experience in the Orthopedic industry and how his background led to the beginnings of Vestia Consulting, a business that helps physician innovators bring their ideas and products to market. Brad’s extensive knowledge and experience are highlighted as he shares insights from his time at Zimmer Biomet, where he learned the challenges of getting products approved and launched quickly, and the benefits of partnering with external innovative shops to accelerate product development. This experience was the exact reason Brad was the perfect fit for Vestia Personal Wealth Advisors when they were needing someone to run the operations side of the business, and what also led to him being asked to serve as the President of the company. While choosing to be hands on in his role, attending conferences and partnering with advisors and their clients in Vestia’s Orthopedic Specialty Group, Brad discovered a need for surgeon innovators who have ideas for products, or who have begun developing products, to improve the quality of the work they do while serving patients. Through Vestia Consulting, Brad advises physicians on navigating the complex process of commercializing their innovations, from ideation to negotiating with major corporations, while helping them overcome obstacles, identify market opportunities, and maximize the potential of their innovations. Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

In this special Doctor’s Day edition of the Doctor’s Eyes Only Podcast, Vestia Partner and CEO Lauren Oschman shares stories about her experiences with Doctor’s Day growing up with a dad who is a physician. As Lauren reflects on what it meant to her to see the gifts that patients gave her father in appreciation for the help they had received, she also shares a revelation in her own life after hearing a story about a stranger that appears at a neurosurgeon’s home. As Lauren talks about in the podcast. The neurosurgeon’s wife was doing her normal duties, helping with homework, orchestrating rides to sports practices, all while cleaning up after her kids, when there was a knock at the door. When she went to see who it was, she found a man standing there with take-out bags in his hand, delivering dinner to her family.  He said you don't know me, and we've never met, but one year ago today, I know that your husband didn't come home for dinner. And the reason I know that, is because he was at the hospital saving my life. So, on the one-year anniversary of thinking about what your husband did for me and about what he gave to me, I wanted to give your family dinner to say thank you for what you sacrificed, so that he could be there for me, and I could get more time with my family.  “It hit me like a ton of bricks. When I heard that story, I stopped in my tracks and I was like, Oh my gosh, I have been thinking about this all wrong… When I look back on my childhood, I think about the times that my dad wasn't there… Or maybe I wished I got a little bit more, but when he wasn't there, it was because he was literally giving people more life and he was giving family more time with their loved ones.” – Lauren Oschman  As we celebrate Doctor’s Day, we want to thank you from the bottom of our hearts and encourage others to do the same. Because most of us are healthy and spend our time enjoying life, it is easy to forget the enormous impact doctors have on our communities. You keep us healthy, and you give us better lives. We see the sacrifice you make to fulfill your duty, and we are so thankful you make the choice to show up for your patients each and every day. We are beyond honored to partner with you and ease a little bit of the burden you shoulder so you can have more time making memories with those you love. So, on behalf of all of us at Vestia Personal Wealth Advisors, thank you for being our Superheroes in Lab Coats and Scrubs. If you are working or on call this Doctor’s Day (as we know many of you are), thank you for your dedication. If you have the day off, we hope you have an amazing day feeling celebrated by your communities, treasured by your loved ones, and enjoying your Wealth that Matters®. – From the recent Blog post titled, Happy Doctors Day to our Superheroes in Lab Coats and Scrubs! Click the link to read more - https://www.vestiaadvisors.com/happy-doctors-day-to-our-superheroes-in-lab-coats-and-scrubs/ Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

In this episode of the Doctor’s Eyes Only podcast, Vestia Partner and CEO Lauren Oschman provides guidance to physicians on consolidating multiple retirement accounts that may have been left behind at a previous employer after switching jobs. Lauren talks about many different options including consolidating assets into an IRA, rolling over to a new employer’s 401K or 403B, converting to a Roth IRA, leaving the account as-is, or cashing out (This is rarely recommended due to potential tax implications). Some of the important details that are covered include asset protection, fees, Backdoor Roth IRA eligibility, and the hassle of tracking multiple accounts.  Once again, as we have made known before, wee are not accountants. As financial advisors, we do often work closely with accountants to help with client tax strategy, but we are not accountants. So any of these tax specific topics talked about in this podcast, we will defer to the expertise of your accountant and recommend that you run any of these things by your accountant before you make a final decision.  Thank you for tuning in and like always, if you have any questions, or just need guidance on consolidating a number of accounts from past employers, send us an email at myteam@vestia.com, and an advisor will be in touch.  Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

Vestia Partner and President, Brad Quick CEPA® and Vestia Partner and Chief Growth Officer Kameron Helmuth CFP® ChFc® recently attended the Foundation for Physician Advancement course in Charlotte. While there, Kameron and Brad were able to speak with multiple doctors who contributed to the information in the Financial Pain Points for Orthopedic Surgeons.  An online survey was offered to all course participants in a recent Industry Course to gauge what topics would be presumed as the most critical financial pain points for Orthopedic Surgeons. 26 surgeons participated from varying institutions, subspecialties, and career status. Three questions were asked: 1.     When do you go into practice?  2.     How would you rate your financial knowledge? 3.     What do you feel are the most common financial pain points among Orthopedic Surgeons today?    In this episode of the Doctor’s Eyes Only Podcast, Kameron and Brad have a conversation about the most recent course for Foundation for Physician Advancement in Charlotte in which they talk about the process of gathering information by way of an online survey. After gathering all of the results, Brad and Kameron then created a white paper titled Building a Successful Practice - Charlotte 2024, Financial Pain Points for Orthopedic Surgeons, and delivered it to those that took the survey. To read the white paper and the results click the link below. https://www.vestiaadvisors.com/building-a-successful-practice-charlotte-2024/ Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

Did you know that business owners actually pay taxes differently than most other individuals do? And most doctors have a stream of income or can easily have a stream of income that qualifies them to be taxed at least partially as business owners? If you're getting income that doesn't have taxes withheld, that's called 1099 income. That money comes in, it has not yet been taxed. It's your responsibility to pay the taxes to the government. It's not taken out for you. Because that comes in on the Schedule C on your tax return, your accountant will fill in a bunch of boxes with business expenses. Then what's left after those business expenses is what you end up paying taxes on as a business owner on that business income. In this episode of the Doctors Eyes Only Podcast, we talk about the different ways doctors can potentially take advantage of tax strategies to enhance their current investment plan.  We are not accountants. As a Financial Advisor, we do often work closely with accountants to help with client tax strategy, but we are not accountants. So any of these tax specific topics talked about in this podcast, we will defer to the expertise of your accountant and recommend that you run any of these things by your accountant before you make a final decision.  Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

Hello everyone, welcome to another episode of the Doctors Eyes Only podcast, and today we're going to talk about what we at Vestia call Wealth That Matters®. In this episode, CEO and Partner Lauren Oschman talks about how Vestia strives to discover what matters to physician clients that is about more than money. Growing up in a household with a dad who worked long hours with no days off as an Interventional Cardiologist, Lauren understands the sacrifices that doctors make for their patients and the sacrifices their families make as well. Often times, doctors get in the mode of providing for their families and building an investment portfolio for that one day they can comfortably retire. When the thought arises of how much is needed to accomplish this, the answer is usually “more”.  As Lauren mentions in the episode, “Because I think for a lot of doctors, a lot of you are listening, you're very achievement oriented, you're very used to the answer being more, right? How much is enough? More. That's how you get to be where you're at, being a very accomplished physician. So one of our goals as we're onboarding new clients, as we're helping craft financial strategies, is to listen to all of these things that you want and to help you figure out how to get the most out of life today and also take care of your future self.” This is a very different view from a Financial Advisory perspective in which Lauren gives examples through stories about clients she has had conversations with where she didn’t recommend they invest more money and instead encouraged them to take that extra vacation to capitalize on the time when their kids are young. Lauren also talks about her own personal situation, being a mother of three young children and finding ways to be intentional with her time with her daughters and allowing them to hold her accountable to giving them the time they need. Enjoy the episode and thank you for listening to the Doctors Eyes Only Podcast! Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated. This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.  This information is not an offer or a solicitation to buy or sell securities.  The information contained may have been compiled from third-party sources and is believed to be reliable.

In this episode of the Doctor’s Eyes Only Podcast, brought to you by Vestia Personal Wealth Advisors, Partner and CEO Lauren Oschman talks about the benefits, drawbacks, and qualifications for a Backdoor Roth IRA. Lauren Oschman - I always go back to a story, so I actually work with a father and a daughter. The father is a retired physician, his daughter is currently a practicing physician who's working on accumulating her wealth and saving for her own retirement. So I started working with her father when he was on the precipice of retirement. He came to me, referred by his daughter, who had been a client of mine for a long time, and he said, Lauren, I've always done my investments myself and I would just love for you to be able to tell me, can I retire?  I started going through all of his accounts, and he had done a really really great job saving. He had been in a private practice, he had a lot of money put away in pre -taxed vehicles, so money that had never been taxed. And then anything he couldn't get into a pre -tax vehicle that wasn't a part of his spending plan, he was putting into a brokerage account. He never funded anything in the Roth bucket, right?  So we can kind of think about money in three buckets from a tax perspective, pre -tax, taxable, that would be your brokerage, and then tax -free, which would be your Roth IRA, under all of the current tax laws. He didn't have anything in the Roth bucket. He had saved really really well, so I was able to tell him that based on all of the calculations that I ran, it looked like he was in a good position to be able to retire. The big question mark, the thing that I could not assure him .. was that pre -tax money.. I don't know what's going to happen to tax rates over the next 20 years. Tax rates are not fixed. We could end up with new people making decisions in Congress. We could have new tax laws passed, and tax rates could actually go up. So he had the vast majority, probably 80% of his money, was in accounts that were subject to taxes as he takes his withdrawals.  A lot of these conversations about IRAs, Roth IRAs, the sequence of transactions to do the Backdoor Roth IRA does involve tax strategy and tax reporting. I am not an Accountant, I am a Financial Advisor, so please, any decision that you're going to make that is going to involve tax reporting, please run these things by your accountant to make sure that you have all of the information before you make decisions based on what makes sense for your situation.  The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Vestia Advisors, LLC. The Content has been made available for informational and educational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. This information is not an offer or a solicitation to buy or sell securities. Investing involves risk; including risk of loss. Before investing, you should consider the investment objectives, risks, charges and expenses associated investment products. Investment decisions should be based on an individual’s own goals, time horizon and tolerance for risk. Past performance is no guarantee of future results. Diversification and asset allocation do not insure a profit or guarantee against loss. Consult your financial professional before making any investments. Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC. Securities offered through Ausdal Financial Partners, Inc., 5187 Utica Ridge Rd, Davenport, IA. 52807 (563)326-2064. Member FINRA/SIPC. Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, Vestia Advisors, LLC, and Ausdal Financial Partners, Inc. are independently owned and operated.

Protecting wealth goes beyond the balance sheet. It involves having the right insurance coverage to safeguard assets, income, and the future. For physicians who have dedicated years of rigorous training and education to reach their current professional status, this means addressing their unique insurance needs comprehensively. From the comfort of their homes to the risks they encounter on the road, doctors are exposed to a variety of potential liabilities that can threaten their financial well-being. In this episode, Lauren talks with Zachary Carter, Owner and CEO of Heron Hill Risk Management. Zach has more than 18 years of dedicated experience in the insurance industry and is incredibly well-versed in navigating the intricate world of personal insurance for physicians and surgeons. He views providing coverage not as a one-and-done but as creating an ever-evolving relationship with his clients, which means that their insurance requirements are diligently managed as their lives get more complex. Dedicated to providing personalized coverage strategies for each family he serves, Zach talks to Lauren about home, auto, and personal liability insurance for physicians. He emphasizes the importance of having the right coverage strategy to protect assets and income. Zach also highlights the common gaps in coverage for physicians and explains the benefits of umbrella policies.  Key Takeaways [01:10] - Introduction of Zach Carter. [03:47] - How Zach personalized insurance coverage for physicians. [08:33] - Unique risks doctors have in home and auto insurance. [12:21] - The gaps in homeowners' insurance policies among doctors. [17:13] - Gaps in coverage in physicians' auto insurance policies. [20:48] - Auto insurance coverage for physicians' children. [22:25] - The policy on household employees driving employer cars. [25:14] - What the umbrella policy covers. [31:35] - What doctors should look for when selecting a carrier. [36:46] - Zach's most interesting insurance claim. [39:56] - How Zach defines wealth that matters. Quotes [03:55] - "We can save you money a lot of times. But the conversation starts with what is right for the customer, making sure the right avenues are in play, the right coverages around the home and the auto, and ultimately protecting their assets." ~ Zachary Carter [04:12] - "The biggest asset a doctor or other individuals have is their income." ~ Zachary Carter [25:28] - "An umbrella policy is the ultimate cash flow income protection. If I have one home and two cars, the homeowner has liability, and the cars have liability. The umbrella protects both of those. It goes over your assets." ~ Zachary Carter Links  Zachary Carter on LinkedIn Heron Hill Risk Management Cincinnati Insurance Chubb Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Student debt is all too common for many, and physicians are no different. With the increasing cost of medical education, many doctors find themselves with significant debt. However, with the right support and proper financial planning, physicians can make smart decisions about their student loans and find strategies to ease their debt burden. In this episode, Lauren talks with Chris Robbins, Financial Advisor at Vestia. In his role, Chris strives to take the financial stress off busy physicians by being their personal CFO. He walks clients through the pros and cons of life's big financial decisions. Whether looking through the details of their first contract or deciphering the particulars of buying into a surgery center, Chris wants to help his clients make the best decisions with their long-term goals. He hopes to help physicians live their best financial lives now and in the future. With extensive experience working with physicians and helping them navigate their student loans, Chris talks about student loans and repayment strategies. He provides insights into the changes in the student loan landscape over the past few years. He also dives into the Public Service Loan Forgiveness (PSLF) program and the new Saving on a Valuable Education (SAVE) plan and its implications for doctors.  Key Takeaways [01:45] - An introduction to Chris Robbins. [03:40] - Chris's inspiration for becoming a financial advisor to physicians. [11:33] - The new SAVE repayment plan. [17:23] - Identifying repayment options. [20:43] - Factors to consider when choosing the best repayment plan. [24:33] - The impact of high-interest rates on refinancing options. [31:00] - Story of a client who benefited from loan forgiveness programs. [34:26] - Steps to qualify for Public Service Loan Forgiveness (PSFL). [36:11] - Proactive approach to ensure eligibility for loan forgiveness. [40:42] - Chris' final thoughts about student loan and repayment strategies. Quotes [04:59] - "I saw that early in my dad's career, he linked up with a financial advisor. I saw the stress that took off my parents and that my parents' financial advisor was the person they called in the best of times and also the person they called in the worst of times." ~ Chris Robbins [26:26] - "Student loans are some sort of an epidemic that we see in today's society, with the amount of student loans that people have. And doctors are no different." ~ Chris Robbins [41:00] - "Make sure you have a really good plan for your student loans. It ties into every other piece of your life financially." ~ Chris Robbins Links  Chris Robbins on LinkedIn Cameron Heasley Federal Student Aid Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

As technology advances, people become more vulnerable to scams and unauthorized access to their online financial and personal information. As a result, cybersecurity is of utmost importance. While passwords are one of the most basic yet crucial aspects of personal cybersecurity, keeping track of passwords for the numerous accounts online is a struggle.  In this episode, Lauren talks with Brian Quick, a cybersecurity executive at a major health insurance company. Brian has over 25 years of experience in the field of cybersecurity. He has worked in large healthcare organizations, protecting sensitive data and providing guidance on cybersecurity strategies. Lately, he's been focusing a lot on AI security and responsible AI, security strategies for digital business, and business relationship management. Brian talks to Lauren about personal strategies that can help you protect yourself against cybersecurity threats. He discusses the importance of using unique passwords and the risks of using the same password across multiple platforms. Brian emphasizes the need for a password manager to store and generate unique passwords securely. Key Takeaways [01:14] - Introduction to Brian Quick. [03:41] - The importance of using unique passwords. [09:16] - How to effectively manage multiple unique passwords. [13:55] - The vulnerability of mobile phone providers in security attacks. [18:56] - Importance of cybersecurity training and being vigilant. [22:46] - The possible dangers posed by AI technology. [26:13] - How scammers are shifting to new messaging platforms. [29:40] - How to prevent email and message scams. [37:56] - Why password managers are important. [42:29] - Practices security professionals use to safeguard their estate plans. [44:27] - Brian's definition of wealth that matters. Quotes [04:23] - "A password is like a key that you would have to your house. If a lot of people have that key, you have to change it. You have to change it when somebody who shouldn't have it still has it." ~ Brian Quick [07:47] - "As security professionals, we put too much focus on complexity, and that's important. But way more important, like hugely more important, is that passwords should be unique." ~ Brian Quick [15:48] - "If your phone ever stops working mysteriously, like it's not ringing or not getting text messages, pay attention to that. That's an equivalent to 'somebody might be breaking into my house.' Don't let that go on for a day. Take that seriously." ~ Brian Quick Links  Brian Quick on LinkedIn Brian Quick on Twitter Indiana University Health Bitwarden Keeper Security Have I Been Pwned Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Understanding clients' thoughts and feelings about money extends beyond financial services. It's a journey that merges psychology and economics, crafting a holistic approach that acknowledges the human behind the dollars. The bond between emotions and money runs deep, and those who recognize and explore this connection stand poised to unlock a world of financial empowerment. In this episode, Lauren talks with Forrest Friedow, Partner and Co-Chief Experience Officer at Vestia, for another installment of the Meet Our Advisors series. Forrest has been a trusted partner for physician families for over 20 years. He fervently believes planning is not a one-size-fits-all solution but a bespoke experience. With the support of his highly skilled team, Forrest facilitates, develops, and refines comprehensive customized strategies for his clients, positioning individuals, families, and practices for financial success. With a mission to help high-caliber physicians achieve wealth that matters, Forrest shares his journey with Lauren into the financial services industry and his passion for working with physicians. He emphasizes the importance of understanding clients' thoughts and feelings about money and how it shapes their financial decisions. Forrest also highlights the collaborative nature of Vestia, where advisors work together to provide the best possible service to their clients. Key Takeaways [04:18] - How Forrest got into the financial services industry. [09:22] - What led Forrest to work with doctors? [14:49] - The psychology of money. [21:06] - The importance of understanding clients' thoughts and feelings about money. [24:36] - What it means to be a financial advisor and a coach. [27:08] - How Vestia's collaborative practices impact clients. [33:50] - How Forrest fulfills his roles as a father, husband, friend, and family member. [41:00] - Why trust between advisor and client is important. [44:49] - Forrest's definition of “wealth that matters.” Quotes [17:32] - "If you find an advisor who understands the idea that you have thoughts, feelings, and ideas about money and is willing to understand and challenge them that they are going to be much better able to help you achieve your goals, they're going to be able to pull out things that you didn't even know you thought or felt or believe." ~ Forrest Friedow [19:25] - "The more self-aware you are, the more you'll realize how you feel about money and where it comes from. Then understanding that, it's a lot easier to shift." ~ Forrest Friedow [38:54] - "It's important to use other people's giftings and skillsets to pass off things that you are not as good at so that you can redirect that time to the things that matter most to you. And that's wealth that matters." ~ Forrest Friedow Links  Forrest Friedow on LinkedIn Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Establishing meaningful relationships with physicians in financial planning is not just a chance for professional growth—it's an avenue to connect with individuals who embody the spirit of service. By understanding their values, challenges, and aspirations, financial advisors can provide more than just financial advice. They can become trusted partners in a journey toward financial well-being and a lasting impact on the lives of both physicians and their families.  In this episode, Lauren talks with Cameron Heasley for another episode in the Meet Our Advisors series. Cameron is a partner and certified financial planner at Vestia. As an Ohio native, Cameron has worked with physicians in Cincinnati, Dayton, Columbus, and his home city of Indianapolis, helping them make wise and informed financial decisions. Through a comprehensive approach to financial planning, Cameron helps his clients build financial security. His goal for his clients is to help relieve some of their financial concerns so they can focus on the things they are most passionate about. Known for his deep care, commitment, and building meaningful relationships with his clients, Cameron talks about his journey into financial planning and his passion for working with physicians. He discusses the importance of relationships, service, and hard work in advising clients. Through a personal story of supporting a client during a difficult time, Cameron highlights the value of deep connections and the impact they can have on physicians' lives.  Key Takeaways [01:50] - Cameron's background and how he got into financial planning. [09:24] - What Cameron likes about working with physicians. [12:17] - The kind of people Cameron loves to work with. [15:21] - A story about Cameron's support for a client during a challenging time. [18:51] - What Cameron learned from his conversations with clients. [21:32] - Setting boundaries and prioritizing what's important in life. [26:01] - The benefits of working with a collaborative firm like Vestia. [28:35] - Why Vestia is the ideal financial planning firm for physicians. [36:07] - What “wealth that matters” means to Cameron. Quotes [08:10] - "It's an awesome opportunity to build meaningful relationships and serve others. Just do something that has an impact for generations to come." ~ Cameron Heasley [09:55] - "I enjoy working with physicians because the vast majority of them are service-oriented. They typically have a calling higher than themselves." ~ Cameron Heasley [36:36] - "My wealth that matters is living out a calling to the best of your ability. And for me, it's demonstrating it through hard work, serving others, and building deep relationships." ~ Cameron Heasley Links  Cameron Heasley on LinkedIn Jacquelyn Denson Michael Trent Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Orthopedic surgeons dedicate their expertise to mending bones and restoring quality of life. But beyond the operating room, orthopedists face a challenge - managing wealth and securing their financial future. In this episode, Lauren talks with Kameron Helmuth, Partner and Chief Experience Officer at Vestia to continue the Meet Our Advisors series. Before joining Vestia, Kameron served as an advisor with PNC Bank and State Bank. While he gained experience at two exceptional banks, the independent Vestia platform allows him to provide a broader range of independent options and competitive solutions for his clients. Kameron focuses his advisory practice on orthopedic surgeons. Kameron talks to Lauren about his journey from banking to financial planning and the value of working with a specialized advisor who understands orthopedists' unique challenges and opportunities. Kameron emphasizes the importance of proactive service and collaboration with other professionals to ensure comprehensive financial planning to help clients achieve a balanced and fulfilling life alongside their financial goals. Key Takeaways [04:21] - The reasons behind Kameron's shift from banking to financial planning. [08:14] - The value of working with a specialized firm like Vestia. [10:19] - How being proactive can make a difference in financial advisory practice. [14:34] - How clients benefit from the internal collaboration at Vestia. [18:46] - What led Kameron to specialize in serving orthopedic surgeons? [23:51] - How understanding and articulating financial goals can bring clients peace of mind. [30:00] - The value of accountability and behavioral guidance from an advisor. [37:19] - Kameron's financial considerations as he goes through a significant life transition. [43:35] - What Kameron enjoys doing outside of work. [47:28] - What Kameron means by wealth that matters. Quotes [06:46] - "If I wanted to build a foundation of client relationships and not have to worry about the widgets and the volume game all the time, I needed to go independent and find somebody that really believed in relationship values, doing what's best for the client in all situations, and then finding a way to line up our values with the clients." ~ Kameron Helmuth [27:26] - "For an established physician, it's not about making more money. It's about keeping it and passing it on however they feel is fit." ~ Kameron Helmuth [27:43] - "It's sad how many people don't even know the answer to ‘Can I slow down? How can I take myself off the hamster wheel?’ And I see too many people working because they think they have to, not because they want to." ~ Kameron Helmuth Links  Kameron Helmuth on LinkedIn Brad Quick Connect with our host Lauren on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Disclosure You may not have the same outcome as the client(s) discussed during this podcast. Each investor's needs and circumstances are different and require conversations with a financial professional to determine what is best for your specific needs. Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

Women are making significant medical strides, breaking down barriers, and excelling in diverse specialties. However, their road to financial freedom is often paved with hurdles requiring a personalized and gender-aware approach.  In this episode, Lauren continues the Meet Our Advisors series and talks with Jacquelyn Denson, Financial Advisor at Vestia. Jacque is passionate about creating long-term relationships with women in medicine and helping them with their unique challenges in the workforce and life. She believes in values-based financial planning, empowering them to achieve their goals today and in the future. Jacque wants her clients to build wealth that matters and protect their income in a way they can enjoy today. Passionate about seeing a change in the financial industry from a gender diversity standpoint, Jacque talks with Lauren about why she chose to specialize in working with women physicians. She discusses how she provides personalized financial planning strategies to meet her client's present and future goals. Jacque also shares the importance of building long-term relationships with clients and helping them navigate life's curveballs. Key Takeaways [01:23] - Jacque's personal and professional background. [04:17] - What inspired Jacque to become a financial advisor? [08:08] - How Jacque helps clients navigate big financial decisions. [13:35] - Balancing financial planning with clients' personal values and goals. [17:40] - Why Jacque chose to focus on serving women physicians. [21:31] - How Jacque helps her clients optimize their portfolios. [29:59] - The benefits of virtual engagement with clients. [36:39] - Jacque's tips for choosing a good bottle of wine. [39:32] - Choosing the right wine style for different dishes. [42:43] - What Jacque thinks “wealth that matters” means. Quotes [06:49] - "You can take a black-and-white plan and follow the steps, but it's never going to look the same for everyone. There's always going to be curveballs." ~ Jacquelyn Denson [08:46] - "I always tell my clients, let's start with the math, start with the data, and work our way backward into the human element." ~ Jacquelyn Denson [18:25] - "There are a lot of crossovers between women in medicine and women in finance, and I am very passionate about equal pay and opportunity for equal talent and work." ~ Jacquelyn Denson Links  Jacquelyn Denson on LinkedIn Vestia Wealth Advisors Edward Jones Lincoln Financial Larson Financial Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.

The Doctors Eyes Only podcast introduces a new series called Meet Our Advisors. In this series, we ask advisors questions about how they got to where they are, why their work is important to them, and why they value not just working as financial advisors but doing so at Vestia. In this episode, Lauren talks with Michael Trent, Partner at Vestia. Michael strives to help Vestia's highest caliber professionals get organized and remove uncertainty from their financial lives so they can have the lasting impact they desire. His experiences in the public and private sectors have shaped his perspective on leadership, community service, and financial practices. Michael believes that an advisor-client relationship should be based on trust and transparency. Driven by a desire for personal service and a more intimate approach to helping clients, Michael talks with Lauren about how he helps physicians plan for their financial futures. He discusses the importance of collaboration and communication in providing the best service to clients, as well as the qualities that make a good financial advisor. Key Takeaways [03:00] - An overview of Michael's professional and personal background. [04:44] - What inspired Michael to join the military? [09:36] - How Michael transitioned from the military to financial planning. [18:18] - The type of clients Michael enjoys working with. [22:38] - The importance of coordination in financial planning. [27:03] - The qualities Michael is looking for in a team member. [30:58] - What makes Vestia different from other financial firms? [36:19] - The greatest satisfaction in Michael's professional and personal life. [41:52] - How people can protect themselves from cyberattacks. Quotes [13:16] - "Each leg you take in your life and professional career, as long as you stay open-minded, builds on itself." ~ Michael Trent [20:52] - "Physicians need someone to help manage their priorities and time because they only have so much. They are still very passionate about things outside of work. And having a team that will bring that all together and have options, recommendations, meetings set up, and next steps means the world." ~ Michael Trent [31:22] - "We want to build the most collaborative firm in the country. That is sincerely our passion. Not just because we all want to collaborate, do life, and work together but because it certainly translates to a better service experience for our clients." ~ Michael Trent Links  Michael Trent on LinkedIn Tommy Martin Vestia Wealth Advisors Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more at vestiaadvisors.com.

When you hear the word "superhero," you probably imagine someone running around in a cape, mask, or tights, using their powers to protect cities from the forces of evil. But superheroes are not limited to comic books or Marvel movies. In fact, there are many people who go above and beyond to positively impact their communities. They may not possess superpowers, but they exhibit the same bravery, dedication, and selflessness as the superheroes we grew up reading about. In this episode, Lauren speaks with Dr. Amy Ho, Senior Vice President, Chief of Clinical Informatics at Integrative Emergency Services and the author of Is Mommy A Doctor or a Superhero? They discuss the role that real-life superheroes play in our lives. Dr. Ho’s work has been featured in venues such as NPR, The Today Show, Chicago Tribune, The Hill, and KevinMD. She has presented at TEDx, the American Medical Association, American Academy of Emergency Medicine, among many other endeavors. Dr. Ho talks with Lauren about what led her to study medicine, what inspired her to write a children’s book during the pandemic, and what COVID-19 taught us about work, safety, and motherhood.  Key Takeaways [02:53] - Why Dr. Amy Ho chose to pursue medicine. [09:25] - How Dr. Ho’s love of writing bled into her career.  [11:57] - Why Dr. Ho loves TED Talks. [16:56] - What inspired Dr. Ho’s book? [20:54] - What COVID-19 taught us about balancing work, safety, and motherhood. [26:22] - Who is Dr. Ho’s target audience for Is Mommy A Doctor or a Superhero? [29:30] - The logistics of bringing Dr. Ho’s book to life. [33:58] - Why you don’t need a publisher to write a book.  [36:56] - How Dr. Ho found her illustrator. [39:15] - How Dr. Ho’s work got featured on TLC’s “Untold Stories of the ER.” [43:01] - What “wealth that matters” means to Dr. Ho.  Quotes [09:28] - “There's a beauty to words. Words are awfully permanent, right? You open a book, you close the book, you reopen the page, it's still there.” ~ Dr. Amy Ho [20:54] - “While I was in the middle of the COVID pandemic, I realized that with stay-at-home and childcare closing and schools closing, that the world had really turned inwards. And when it turned inwards, it fell on the backs of moms.” ~ Dr. Amy Ho [27:23] - “The idea of celebrating all moms is where I wanted to go with this book, not just doctor moms, and letting little girls know that they can do whatever they want. You are empowered to do what you want with your own life.” ~ Dr. Amy Ho Links  Dr. Amy Faith Ho | LinkedIn Is Mommy a Doctor or Superhero? | Amazon Dr. Amy Faith Ho Integrative Emergency Services (IES) Compassion in Hate | Amy Ho | TEDxSMU A Story of Numbers | Amy Ho | TEDxUofIChicago Upwork Untold Stories of the ER on TLC Connect with our host Lauren Oschman | LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Vestia’s Women Physicians Practice Group Brings Clarity to Your Financial Journey As a woman physician, you are brilliant, driven, and dedicated. You deserve a financial advisor who understands the unique voice women bring to financial conversations. At Besier Personal Wealth Advisors, our Women Physicians Practice Group works to bring clarity to your financial journey. We start by uncovering the purpose for your money and design a completely unique strategy to balance your desires in the present with your dreams for the future. Our talented team takes financial management off of your plate to give you back precious time in your very busy life. Vestia can help you step into confidence and peace of mind around the money you work so very hard to earn. Learn more at vestiaadvisors.com/women. Vestia has a large team of advisors who work with specialized physicians nationwide. Check it all out at vestiaadvisors.com.

Your personal brand is being built every day in the way that you treat people, approach problems, and embrace change. Conversations about building a personal brand are common in careers like sales or marketing, but any profession can benefit from creating a strong presence. Many people struggle to get started and make genuine connections with their audience. In this episode, Kameron and Brad talk with Kevin Brown, Creator of the Device Nation podcast, Independent Device Distributor, and 30 year veteran in the orthopedics industry. He’s also a musician and seven-time President’s Club Award winner.   Kevin talks with Kameron and Brad about adapting and embracing change, building a personal brand, and getting started as an aspiring podcaster.  Key Takeaways [01:40] - An introduction to Kevin Brown. [04:02] - Kevin’s shift to orthopedics. [04:49] - How the role of the rep has changed over time. [10:30] - How a heightened workload affects relationship building with surgeons.  [12:44] - Kevin’s advice for creating a personal brand. [15:05] - The importance of adaptation in the orthopedic industry. [21:19] - How Kevin got his Device Nation podcast started. [30:51] - The intersection of business and orthopedics.  [35:43] - Key takeaways: adapt quickly, embrace change, and stay inquisitive. [38:10] - Why you should nurture an inquisitive mindset. Quotes [02:34] - “Rejection was something I really wanted to embrace as a life path.” ~ Kevin Brown [13:52] - “You have to build a brand locally so that when those winds of change come on your shore, you're the person they can't do without.” ~ Kevin Brown [20:07] - “If you wake up every day and you try to do right by everyone you come across, quota seems to take care of itself.” ~ Kevin Brown Links  Kevin Brown on LinkedIn Device Nation on Apple Podcasts Device Nation on Spotify Zimmer Biomet Vinod Dasa MD on LinkedIn Device Nation's Episode with Dr. Anthony Hedley Device Nation's Episode with Dr. Larry Dorr Bigger Pockets Podcast Connect with our hosts Brad on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Orthopedic Surgeons We believe orthopedic surgeons deserve a financial advisor who is a specialist, not a generalist. Your advisor should understand that buying into a surgery center could be more profitable than your stock portfolio. We need to be thinking about tax planning strategies, asset protection, and so much more. Investments is only scratching the surface of a great financial strategy. Our team of action-oriented advisors can bring you the innovative financial ideas just as you innovate to transform the lives of your patients. Once we understand your definition of success, you can delegate and know we are on it, saving you precious time. Learn more by visiting vestiaadvisors.com/orthopedics. In addition to orthopedics, our team members work with other specialized physicians nationwide. Check it all out at vestiaadvisors.com.

Negotiation is a valuable skill that can bring your career to the next level. While we may know what we want on paper, navigating this conversation in practice seems daunting and unpredictable to many. But what if negotiation is not as scary as we were led to believe? It may be a muscle that needs training, but negotiation boils down to knowing your value, remaining transparent about your needs, and effectively communicating them.  In this episode, Kameron and Brad speak to Emily Ast, Owner and Attorney at Ast Physician Contracts who specializes in contract negotiations for employment and industry arrangements in the medical field. They discuss how Emily’s background as a competitive gymnast influenced her career path, why considering all currencies is crucial in contract negotiation, and what legal resources are available for orthopedic surgeons.  Emily talks with Kameron and Brad about the role of transparency in contract negotiation, her top negotiation tips, and the importance of speaking up for yourself to secure a contract that best fits your needs.  Key Takeaways [01:18] - An introduction to Emily Ast. [03:51] - How orthopedics differs from other specialties.  [06:17] - How Emily approaches her role with new clients. [09:27] - The role of transparency in contract negotiation. [13:23] - Emily’s top three negotiation tips. [22:20] - Why you should narrow your consulting agreements. [27:33] - How to balance your primary employer and an industry consulting position. [32:53] - Should you patent your ideas? [35:38] - Legal resources for orthopedic surgeons.  [39:00] - Actionable takeaways: package requests together, consider all currencies, and know your value. Quotes [13:38] - “When physicians are going into these conversations, they can make them more productive and not feel so ‘me against someone else.’ It really shouldn't be like that. It's really everybody's just trying to get to the best solution for everyone.” ~ Emily Ast [14:43] - “Consider all currencies. People zero in on the compensation number, the actual formula. There are other forms of compensation like signing bonuses, paid call, paying for CME courses you'd already be going to. If you're driving between multiple offices, it's appropriate to ask for a mileage reimbursement or for the practice to pay for a car lease.” ~ Emily Ast [41:54] - “Know your value. Don’t hesitate to speak up for yourself in a polite and collaborative way. You don’t get what you don’t ask for.” ~ Emily Ast Links  Emily Ast on LinkedIn Ast Physician Contracts University of Pennsylvania University of Pennsylvania Carey Law School Willkie Farr & Gallagher LLP Foundation for Physician Advancement Eastern Orthopaedic Association Connect with our hosts Brad on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Orthopedic Surgeons We believe orthopedic surgeons deserve a financial advisor who is a specialist, not a generalist. Your advisor should understand that buying into a surgery center could be more profitable than your stock portfolio. We need to be thinking about tax planning strategies, asset protection, and so much more. Investments is only scratching the surface of a great financial strategy. Our team of action-oriented advisors can bring you the innovative financial ideas just as you innovate to transform the lives of your patients. Once we understand your definition of success, you can delegate and know we are on it, saving you precious time. Learn more by visiting vestiaadvisors.com/orthopedics. In addition to orthopedics, our team members work with other specialized physicians nationwide. Check it all out at vestiaadvisors.com.

Medical professionals have unique financial challenges and opportunities. But with the ever-evolving healthcare industry and economic changes, it can be difficult to keep track of the best financial strategies. With tax planning at the forefront for 2023, how can physicians make smart financial decisions and build wealth over time? In this episode, Lauren and Kameron talk about the hot tips for physician finances in 2023. They dive deeper into the changes to the contribution limits for 2023, what physicians need to know about Secure Act 2.0, and what recommendations Lauren and Kameron have for all physicians. Key Takeaways [01:03] - Lauren and Kameron's favorite podcast episodes. [04:18] - The changes to the contribution limits for 2023. [07:31] - Kameron's advice to physicians who earn more money. [10:22] - What physicians need to know about Secure Act 2.0. [14:05] - How 529 funds can be rolled over to Roth IRAs. [19:19] - What excites Lauren about the physician's retirement contribution for 2023. [24:22] - Why people should revisit their estate plans now. [29:06] - The recommendation Kameron has for all physicians. [31:52] - How Vestia helps physicians stay invested in tough markets. [35:46] - A powerful tool for diversifying portfolios. [40:53] - Kameron's three key takeaways. Quotes [09:16] - "Take advantage of every opportunity that's out there. Talk to your advisor and make sure you're funding the appropriate amount for your plan to maximize your benefits." ~ Kameron Helmuth [24:07] - "Our entire team at Vestia doesn’t want to just be adding value today. We want to be proactive in thinking strategically about what is coming and how we can start now to put ourselves in a good position for what we think will happen in the future." ~ Lauren Oschman [41:27] - "Whatever you're invested in needs to be with conviction, and you need an advisor that's bringing you proactive recommendations that will accommodate the current macroeconomic situation we're in." ~ Kameron Helmuth Links  Dr. Mary O'Connor  Dr. Nneka Unachukwu Dr. Anu Brixey Teresa Ford Dr. Bryan Springer SECURE 2.0 Connect with our hosts Lauren on LinkedIn Kameron on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Financial Advisors for Physicians Does your financial advisor understand our views? How to negotiate a job contract with a hospital? Or how to evaluate and finance a surgery center buy-in? With nearly 150 years of collective experience working with specialized physicians nationwide, Vestia Personal Wealth Advisors understands your challenges and your opportunities as a physician. Innovative tax strategies, proactive asset protection planning, physician mortgages, healthcare venture capital, and more. You have many competing priorities for your time, and planning for your financial health may not make the top of your list. With a shortened time window to save for retirement, the opportunity cost of financial mistakes can be high. Vestia can help you navigate the complex world of finance and make your life easier every day, starting now. Learn more vestiaadvisors.com.