Doctors Eyes Only

Student loan rules are changing again. In this episode of Doctors Eyes Only, Vestia CEO Lauren Oschman, CFP®, CDFA® talks with Vestia Financial Advisor Chris Robbins, CFP® about how the recent “One Big Beautiful Bill Act” impacts physicians with federal student loans.

Topics covered include:

• Public Service Loan Forgiveness (PSLF) remains available for physicians working at nonprofit hospitals and academic institutions.
• The SAVE plan is being eliminated. RAP (Repayment Assistance Plan) is expected to take its place, while older plans like PAYE, REPAYE, and ICR will be phased out by July 2026.
• IBR remains an option, with payments based on either 15 percent or 10 percent of discretionary income depending on when the loans originated. After 2026, IBR will no longer be available for new borrowers.
• SAVE forbearance months do not count toward PSLF, unlike COVID forbearance. Chris explains how physicians can return to qualifying repayment plans.
• The buyback program may allow borrowers to make up missed or disqualified payments after completing 120 months of qualifying employment, but its future is uncertain.
• Best practices include submitting employer certification forms annually and using the Loan Simulator at studentaid.gov to review repayment options.
• Refinancing through private lenders may make sense for some physicians, though federal protections and PSLF eligibility are lost once loans are moved out of the federal system.

If you are a physician with questions about student loan repayment, PSLF eligibility, or refinancing, connect with our team at www.vestiaadvisors.com/contact/.

#FinancialPlanningForPhysicians #StudentLoansForDoctors #PhysicianRetirementPlanning #WealthManagementForDoctors #PSLF #WomenPhysicians #PhysicianFinance

In this powerful episode of Doctors Eyes Only, Vestia CEO Lauren Oschman, joins guest host and Vestia President Brad Quick to sit down with orthopedic surgeon, women’s health advocate, and international ballroom dancer Dr. Adrienne Towsen.

Dr. Towsen courageously shares her journey from raising two daughters as a single mom during residency, to navigating the burnout and financial strain of a private equity takeover in orthopedic practice, and ultimately walking away after nearly two decades in the field. In response to these challenges, she co-founded The Working Mom, a platform supporting women in healthcare, and authored Navigating the Life Cycle of Working Moms in Healthcare to remind physician moms that they are not alone. She also reveals how ballroom dancing unexpectedly became her passion, offering balance, joy, and renewed purpose as she designed her next chapter.

This inspiring conversation is a testament to resilience and reinvention, and a powerful reminder to physicians that stepping away from an unsustainable path can open the door to true Wealth That Matters®.

🔗 Stay connected with Dr. Adrienne Towsen:

• LinkedIn: Adrienne Towsen, MD
• Instagram: @medical_working_moms
• The Working Mom Platform: theworkingmom.us
• Navigating The Lifecycle of Working Moms in Healthcare: Buy the book here!
  

#PhysicianBurnout #WomenInMedicine #WorkingMom #OrthopedicSurgeon #PrivateEquityMedicine #DoctorLife #PhysicianWellness #BallroomDancing #PhysicianMoms #WealthThatMatters

Feeling stretched too thin? In this episode of The Doctors’ Eyes Only podcast, Lauren Oschman CFP® CDFA® talks with Dr. Sasha Shillcutt, Founder and CEO of Brave Enough and author of Brave Boundaries, about how physicians can reclaim their time, energy, and joy.You’ll hear: • Why burnout often starts with unclear or nonexistent boundaries • How to reframe boundaries as a way to “keep the good in,” not push people out • Practical strategies to set and maintain boundaries without guilt, at work and at home • Communication tools to make boundaries clear to colleagues, patients, and family • How boundaries are essential to achieving your Wealth That Matters® in time, energy, and relationshipsWhether you’re a physician feeling the early warning signs of burnout, or you’re already overcommitted and ready for change, this conversation will equip you with actionable tools to protect what matters most, your well-being.⸻Resources from Dr. Sasha Shillcutt: • Brave Boundaries – Learn the language, strategies, and mindset to set healthy boundaries without guilt → Buy the book • Brave Enough – Courses, coaching, community, and resources for women physicians → Visit becomebraveenough.com • Brave Enough Women’s CME Conference – September 25–28, 2025 | Scottsdale, AZ → Register here⸻About the Host:Lauren Oschman CFP® CDFA® is CEO of Vestia Personal Wealth Advisors, a financial firm specializing in helping the highest-caliber physicians achieve Wealth That Matters®.

#PhysicianBoundaries #WomenPhysicians #PhysicianWellbeing #DoctorBurnout #WorkLifeBalance #PhysicianLife #WealthThatMatters #VestiaAdvisors #BraveBoundaries #BraveEnough

In this episode of the Doctors Eyes Only podcast, Vestia CEO Lauren Oschman, CFP®, CDFA® sits down with Amanda Baron, a Nashville-based Realtor and the wife of a physician, who brings a unique perspective to the real estate challenges medical families face. Amanda shares how her own experience relocating for her husband’s medical career inspired her to specialize in helping physician families not only find a home, but also feel truly connected to their new community.

Amanda discusses how she supports physician families relocating from out of state, many of whom are juggling packed clinical schedules, overnight call shifts, and limited flexibility to travel. Because physicians often cannot leave their current responsibilities to house hunt, it’s common for one spouse, often with young kids in tow, to lead the process alone. In many cases, the physician doesn’t see the home until after closing. Amanda describes how she steps in to bridge that gap by educating and guiding families remotely. She serves as their boots on the ground, evaluating commute routes for emergency access, checking internet reliability for telehealth and charting, and identifying local resources to support physician lifestyles. Her approach blends logistical expertise with deep empathy, ensuring both partners feel confident and supported throughout the transition.

Lauren and Amanda explore how physician-specific mortgage strategies can align with a family’s financial plan. Amanda explains how she helps physician clients secure builder incentives while using these special loan programs, and how those choices can fit into broader goals such as building equity or preparing a home to become a future rental property. They also discuss how neighborhood dynamics, school systems, and community support play a critical role in setting physician families up for success, especially when moving to a new city without an established network.

Amanda shares more about her podcast, Behind the White Coat, which she created to provide real talk and support for other physician spouses navigating the ups and downs of medical life. She’s passionate about making sure no physician family feels isolated in their journey and is building a growing network of connection and encouragement.

To learn more or connect with Amanda:

• Visit ABTNHomes.com

• Follow Amanda on Instagram @AmandaBaronRealtor

• Listen to her podcast Behind the White Coat

Subscribe to Doctors Eyes Only for more episodes focused on financial planning and life strategy tailored for physicians and their families.

What happens when you grow up with no doctors in your family, no blueprint to follow, and still find your way to the top of one of the most elite, male-dominated fields in medicine? In this unforgettable episode of Doctors Eyes Only, Lauren Oschman CFP® sits down with Dr. Betsy Grunch, a board-certified neurosurgeon, mother, and the powerhouse behind the LadySpineDoc brand.

Raised by a single mom who became quadriplegic in the line of duty, Betsy started her journey as a file clerk and CNA. Today, she’s not just operating in the OR, she’s inspiring millions across social media as one of the most relatable, respected physician voices online. If you’ve ever wondered whether social media has a place in a serious medical career, or how to build a life that honors both your ambition and your humanity, this episode is your answer.

We explore:

• How Dr. Grunch built trust with millions without compromising her identity as a surgeon

• The behind-the-scenes reality of growing a practice through content

• Her perspective on leadership, motherhood, and empowering her team

• Why visibility in medicine matters, especially for women and future generations

• What Wealth That Matters® looks like for a woman in surgery balancing impact, family, and personal wellness

This episode is a must-listen for physicians navigating identity, leadership, and influence in a rapidly evolving medical world. Whether you’re curious about building your brand, avoiding burnout, or simply finding inspiration from someone who’s walked a path few others have, Dr. Grunch delivers.

Connect with Dr. Betsy Grunch (LadySpineDoc):

• Follow on Instagram & TikTok: @LadySpineDoc

• Shop Empowering Apparel for Medical Professionals: ladyspinedoc.com

• Learn more about her clinical practice: drgrunch.com

Keywords:

Dr. Betsy Grunch, LadySpineDoc, surgeon influencer, neurosurgeon social media, financial planning for physicians, women in medicine, physician leadership, surgeon mom, social media for doctors, doctor content creator, wealth that matters, physician role models, female neurosurgeons

In Part 2 of our series, Doctors Eyes Only host and Vestia CEO Lauren Oschman, CFP®, shares 25 more financial planning insights designed specifically for physicians. This episode explores five advanced areas: investment strategy, tax planning, retirement planning, estate planning, and behavioral finance, with five practical tips in each.

Learn how to create a tax-efficient investment portfolio, evaluate employer-based retirement plans, avoid estate planning pitfalls, and stay on track with a financial strategy that reflects your goals and values. These tips are grounded in real scenarios physicians face, whether you’re navigating a private equity windfall, balancing Roth contributions, or preparing for retirement.

If you’re a physician aiming to make more informed, goal-oriented financial decisions, be sure to subscribe so you don’t miss future episodes. Part 2 rounds out the complete 50-tip framework to help you live your Wealth That Matters®. 

Keywords: financial planning for physicians, retirement planning for doctors, tax strategy for physicians, physician investment planning, estate planning for doctors, private equity for doctors, financial advice for doctors, wealth management for physicians

Welcome to the Doctors Eyes Only podcast, where Vestia CEO Lauren Oschman, CFP®, presents part one of a two-part series titled 50 Financial Tips for Physicians.

This episode shares 25 actionable tips across five core areas of financial planning: cash flow, debt repayment, education savings, risk management, and compensation planning. Each section includes five real-world examples designed to help physicians make informed decisions in alignment with their goals and the financial realities of their profession.

You’ll hear how to align your spending with long-term priorities, evaluate job offers beyond salary alone, build a student loan strategy that fits your career path, and understand the full scope of insurance and liability protections needed at different stages of life. The episode also explores how physicians can benchmark compensation, negotiate contracts, and plan for practice ownership or a future buyout.

This conversation is especially relevant for private practice doctors, dual-physician households, women physicians, and anyone considering career transitions or private equity opportunities. Don’t miss this episode if you’re looking for physician-specific financial strategies that move beyond general advice. Be sure to subscribe so you don’t miss Part 2, where we’ll cover the remaining 25 tips and complete the full series.

Keywords: financial planning for physicians, wealth management for doctors, physician debt strategy, student loans for doctors, physician disability insurance, 529 plans for doctors, contract negotiation for physicians, private equity for doctors

Physicians are trained to manage high-stakes situations. But when it comes to estate planning in today’s digital world, even the most prepared can miss a critical piece of the puzzle. In this episode of Doctors Eyes Only, Vestia partner and President Brad Quick welcomes his brother, Brian Quick, a seasoned cybersecurity expert with leadership experience at IU Health, Anthem, Elevance Health, and more.

 They dive into a timely conversation about digital estate planning—what it is, why it matters, and how physicians can protect their families by preparing today. From shared passwords to cloud-stored family memories, the things that matter most are often locked behind layers of digital security. If something were to happen to you, could your loved ones access what they need?

 Brian shares a personal story that inspired his own planning journey and outlines practical steps that anyone can follow. This episode is both a cautionary tale and a roadmap for action.

You’ll learn:

 • Why digital estate planning is an essential part of your financial picture

• How tools from Apple, Google, and Facebook can help protect your legacy

• Why password managers and two-factor authentication are not just security features but essential planning tools

• How to guide your spouse or partner through a simple tabletop exercise to ensure they know what to do

• How artificial intelligence is changing the cybersecurity landscape and what to watch out for

At Vestia, we help physicians build wealth that matters. That means not only growing your assets but also protecting them and creating peace of mind for the people who matter most. This episode will give you the framework to start an important conversation and take the next step toward a complete financial plan.

Resources Mentioned:

 • Apple Digital Legacy

• Google Inactive Account Manager

• Facebook Legacy Contact

• Keeper Password Manager

Want to make sure your digital assets are part of your estate plan?

 Connect with our team of advisors at [email protected]. We’re here to help you think through what’s next.

Searchable Keywords:

digital estate planning, financial planning for physicians, Apple digital legacy, Google account manager, cybersecurity, physician finances, password manager, family preparedness, online legacy, digital assets, estate strategy

Tags:

#DigitalEstatePlanning #PhysicianFinances #CyberSecurity #WealthThatMatters #VestiaAdvisors #AppleLegacy #GoogleAccountManager #LegacyPlanning #FinancialPlanningForDoctors

Want to buy a car, but don’t want to waste your weekend at a dealership? There’s a better way.

In this episode of Doctor’s Eyes Only, Vestia CEO and Partner Lauren Oschman sits down with Andrew Guthmiller, founder of Car Concierge, to talk about how busy professionals, especially physicians, can take the stress, confusion, and wasted time out of buying a car. With over 15 years in the auto industry and more than 400 car deals a year, Andrew shares insider knowledge to help doctors save time, money, and sanity.

Lauren and Andrew cover:

• The #1 mistake most people make when buying a car

• Whether you should lease or buy (it’s not one-size-fits-all)

• How to avoid getting up-charged on warranties, financing, and extras

• Why “the best time to buy a car” is before you need one

• How Andrew’s team buys cars for physicians nationwide, without ever stepping into a dealership

Whether you’re planning a purchase or just want to stop dreading your next one, this episode will change how you think about the car-buying process.

🔗 Learn more: https://www.gocarconcierge.com

📲 Follow Lauren on Instagram: @medmoneymaven

🎙️ Follow Doctor’s Eyes Only on Apple Podcasts, Spotify, or YouTube to never miss real-world financial insights made for physicians.

In this empowering episode, orthopedic surgeon and Pinnacle Cofounder Dr. Pamela Mehta joins Vestia CEO Lauren Oschman to share how she broke the mold in one of medicine’s most male-dominated fields. From launching her own concierge practice to creating a national movement for women in medicine, Pam opens up about the challenges she faced, the grit it took to go out on her own, and her mission to help other women physicians build profitable, purpose-filled careers on their terms.

Together, Lauren and Pam also get real about what it’s like to have children right as you’re building your career—how motherhood intersects with ambition, and why the medical system still isn’t built to support women during this pivotal stage of life. Pam shares how that tension fueled her decision to walk away from traditional practice and design a life where both her family and career could thrive.

Whether you’re navigating burnout, exploring advisory work, or dreaming of a new definition of success—this conversation will leave you inspired to redefine your own Pinnacle.
To find more information about Dr. Pam Mehta, her practice, the Pinnacle Conference, and Pinnacle Learning be sure to visit one of the links below.
Follow Pam on Instagram: @dr.pamelamehta

Resilience Orthopedics:  https://www.resilienceorthopedics.com/

Learn At Pinnacle: https://learnatpinnacle.com/

You can also follow Vestia CEO Lauren Oschman on Instagram @medmoneymaven

Enjoyed this episode? Be sure to follow Doctor’s Eyes Only on Apple Podcasts, Spotify, YouTube, or wherever you listen—so you never miss an episode of real conversations and financial insights made for physicians.

Keywords: women in medicine, physician burnout, career transitions, Dr. Pamela Mehta, Pinnacle conference, women physicians, concierge medicine, entrepreneurship, physician mothers, physician leadership, maternity and medicine, medical careers and family balance