Doctors & The New Tax Bill: What Actually Changes?

In this episode of Doctors Eyes Only, Vestia Partner and CEO Lauren Oschman, CFP® and Vestia Partner and Chief Growth Officer Kameron Helmuth, CFP®, ChFC® unpack the One Big Beautiful Bill Act and translate it into physician-specific tax planning decisions. They explain why most doctors will see only modest changes on the personal side and where attention is needed.

For physicians’ personal taxes, they cover:

·       The “indefinite” elimination of the 39.6% top bracket

·       SALT cap adjustments (and why income phaseouts still apply)

·       New charitable giving limits (and how donor-advised funds can help)

·       Expanded 529 flexibility for K–12 and test prep starting in 2026

·       A higher estate tax exemption (~$15M per person in 2026, indexed thereafter)

For practice owners, they address:

·       100% bonus depreciation

·       Cost segregation studies and timing considerations for 2025

·       Coordinating tax moves with quarterly estimates and cash flow

·       Pass-through entity tax (PTET) to offset limits from SALT caps

·       The return of R&D credits and the importance of working with a CPA

This episode outlines where physicians, whether in private practice, academics, or dual-physician households, may want to adjust tax planning and which areas can remain unchanged.

For questions about how these tax changes apply to your situation, consult with your CPA or financial advisor. If you are not currently working with an advisor who specializes in physicians and their unique needs, connect with the team at Vestia to explore how these strategies fit into your financial plan.

Keywords: financial planning for physicians, wealth management for doctors, physician tax planning, private practice tax strategies, physician retirement planning, private equity for doctors.