Episodes

Welcome to the Doctor’s Eyes Only podcast and in this episode Vestia Partner and CEO Lauren Oschman is joined by her business partner and Vestia President and COO Brad Quick. Lauren and Brad discuss the topic of how doctors can find and engage a financial advisor, with expertise from Lauren who gives some awesome tips to help doctors ask the best questions to find the best fit for their financial future. Lauren and Brad discuss the comprehensive services a financial advisor should offer, beyond...

Welcome to the Doctor’s Eyes Only podcast, and today Vestia Partner and CEO Lauren Oschman talks about ways to potentially demystify tax brackets for physicians. Lauren explains the difference between flat tax rates and graduated tax rates, while using examples to illustrate how graduated tax rates work, with only the income above a certain threshold being taxed at a higher rate. An example of a flat tax, could be some state taxes which are a fixed percentage of your income. A graduated tax howe...

Welcome to the Doctor’s Eyes Only Podcast! In today's episode, Vestia Partner and CEO Lauren Oschman delves into strategies for doctors to maximize tax benefits through charitable giving. Lauren will guide you through: Understanding Deductions : Learn the difference between standard and itemized deductions, and discover why itemizing can unlock greater tax benefits from your charitable donations. Leveraging Donor-Advised Funds : Find out how donor-advised funds can help you consolidate multiple ...

Welcome to a special Wealth That Matters® edition of the Doctor’s Eyes Only Podcast where Partner and Advisor Cameron Heasley interviews Dr. Lee and Lori Wilbur, the founders of the nonprofit, Divine Mercy Health Center. Lee is an emergency medicine physician, Lori is the family CFO and COO, and they both share a passion for serving others through their nonprofit. Divine Mercy Health Center was inspired by the ways the Wilburs found the healthcare system to lack accessibility to marginalized com...

Welcome to the Doctor’s Eyes Only podcast, and today Vestia Partner and CEO Lauren Oschman talks about ways that doctors can minimize a potential tax burden for their heirs when transferring wealth. At the time of this recording, the threshold that needs to be met to qualify for estate taxes is so high that many physicians don’t consider taxes when doing estate planning. There are some things to consider in relation to the type of accounts that house your retirement funds, and the tax benefit y...

Welcome to the Doctor’s Eyes Only podcast where Vestia Partner and CEO Lauren Oschman delivers some very time sensitive important information regarding the IDR Waiver for Student Loan Forgiveness, the June 30, 2024 deadline, and why doctors should potentially act now if they believe they can qualify. Lauren takes a deep dive into what the Income Driven Repayment (IDR) waiver is and how it could potentially help doctors who previously were not able to take advantage of loan forgiveness programs l...

Welcome to this week’s edition of the Doctor’s Eyes Only podcast where Vestia Partner and CEO Lauren Oschman delivers Part 2 on Spring Cleaning for your Finances. If you are tuning in to part 2 and you haven’t listened to part 1 yet, be sure to go back and listen there first so as to not miss some good tips on ways to declutter your financial life. In part 2, Lauren discusses reviewing beneficiary designations on accounts, and checking credit reports for accuracy and locking credit to prevent po...

Welcome to this week’s edition of the Doctor’s Eyes Only podcast where Vestia Partner and CEO Lauren Oschman delivers Part 1 of a 2 Part series on Spring Cleaning for your Finances. As Lauren mentions in the podcast, the idea of spring cleaning is a cleansing, de-stressing activity to allow you to move forward confidently with more focus. This is in relation to your home, however it can be a very similar feeling after doing some spring cleaning for your finances. A great example could be if you ...

Welcome to a special Mother’s Day episode of the Doctor’s Eyes Only podcast brought to you by Vestia Personal Wealth Advisors! In this episode, Vestia Partner and CEO Lauren Oschman delivers an inspiring message about the diverse paths of motherhood, while sharing stories about the amazing moms that she has had the honor of becoming acquainted with. “As I was thinking about the amazingness of moms, I was kind of reflecting on just the past few months, interactions that I've had with moms in just...

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 benef...

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 approve...

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 pod...

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 implica...

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 critica...

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 S...

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 ...

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 f...

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-b...

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 ...

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, Staff VP of the Business Information Security Office at Elevance Health. Brian has over 25 years ...

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 install...

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 w...

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...

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 ...