Click the link below to schedule your free 30 minute call!https://www.vestiaadvisors.com/contact/Cybersecurity is becoming an important part of physician financial planning as AI-driven scams, identity theft, and financial fraud continue to evolve. Protecting your financial accounts and personal information is part of protecting the wealth you’ve worked hard to build.In this episode of the Doctors Eyes Only® podcast, Lauren Oschman discusses why cybersecurity deserves a place in every physician’s financial plan. She explains how phishing attacks, password breaches, identity theft, fraudulent bank accounts, and AI-assisted scams can affect physicians. She also shares practical steps to strengthen your financial security, including using unique passwords, enabling multi-factor authentication, freezing your credit, and preventing unauthorized accounts from being opened in your name.Physicians spend years building wealth. Protecting it requires the same level of attention. Taking a few preventative steps can reduce risk and help protect your financial accounts, your credit, and your personal information over time.Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC, a Registered Investment Advisor with the SEC. 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 should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.

Click the link below to schedule your free 30 minute call!https://www.vestiaadvisors.com/contact/

Most physicians know to ask whether their estate will be subject to estate tax. What often gets less attention is what happens after assets are inherited.We’ve found that two physicians can inherit the same dollar amount from their parents and have very different tax outcomes. The difference usually isn’t how much they inherit. It’s the type of assets they receive.In this episode, Vestia Partner and CEO Lauren Oschman explores why inherited brokerage accounts, real estate, traditional IRAs, 401(k)s, 403(b)s, and Roth IRAs are each subject to different tax treatment. She also shares planning conversations that illustrate how inherited retirement accounts, the 10-year inherited IRA rules, and the step-up in basis can influence the taxes a family may pay over time.Many physicians are already in one of the highest income tax brackets by the time they inherit assets from their parents. If a significant portion of that inheritance consists of pre-tax retirement accounts, the tax implications may be very different than many families expect. We often find that parents and adult children are making financial decisions independently, without realizing how those decisions could affect the family’s overall tax picture across generations.Whether you’re beginning to think about an inheritance you may receive someday or you’re considering how your own assets may eventually pass to your children, this conversation explores how estate planning, tax planning, and multi-generational financial planning can create opportunities for more informed decision-making.Investment advisory services offered through Vestia Personal Wealth Advisors, Vestia Retirement Plan Consultants, and Vestia Advisors, LLC, a Registered Investment Advisor with the SEC. 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 should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.

If you’ve followed our podcast or YouTube channel, you may have wondered how Vestia got started and why we chose to work exclusively with physicians.In this episode, Vestia Partner and CEO, Lauren Oschman shares the story behind Vestia Personal Wealth Advisors and the thinking that shaped the firm from the beginning. She talks about how the firm evolved, why the team decided to focus on physicians, and how that decision influenced the way financial planning is delivered to physician families.The conversation covers topics that are common throughout a physician’s career, including compensation, tax planning, student loans, retirement planning, practice ownership, investment management, and coordinating with other professionals as financial decisions become more complex. Lauren also explains the idea of Wealth That Matters® and why understanding a physician’s personal priorities is an important part of the planning process.This episode also looks at how Vestia approaches collaboration within the firm and why advisors with different areas of experience work together when evaluating financial questions. Lauren shares examples of how that philosophy has shaped the firm’s growth and the relationships it has built with physician families over time.Subscribe for more physician-focused financial planning insights from Vestia Partner and CEO Lauren Oschman and the Vestia team.