Filing an extension isn't a sign of being behind — it's a strategic move that gives high-earning doctors more peace and fewer mistakes. In this episode, Erin and Bob explain why extensions are standard at Terra Firma, how they help prevent costly errors, and why shifting your mindset around tax time is key to thinking like a business owner.  

Whether you're waiting on K-1s or just new to the process, this conversation brings clarity and calm to tax season.

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.

In this episode, we explore the emotional side of financial decision-making—the part no spreadsheet can measure. From the desire to be debt-free to the fear of letting go of cash savings, emotions often shape our money moves more than logic. We dive into how feelings like security, guilt, and joy play into major decisions like paying off a mortgage or building wealth. If you’ve ever felt stuck between what makes sense and what feels right, this conversation is for you.

Learn how we can help you / book a call: https://www.terrafirmaconsultant.com/ 

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.

Cash value life insurance gets a lot of mixed reviews—some call it brilliant, others say it’s a waste of money. In this episode, we break down how cash value life insurance can actually be a powerful wealth-building tool when used the right way. We explain where it fits into your financial plan, why it’s not one-size-fits-all, and how doctors like you can avoid common mistakes. 

Whether you're just starting out or already have a policy in place, this conversation will help you see life insurance through a smarter, strategic lens.

Check out our episode on mortgages Bob mentions in today’s episode: https://youtu.be/BuwnergP8CQ?si=AHI4Yf9PT4hA_sPo

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.

In this episode, we challenge the traditional thinking around credit cards and emergency funds. Should you really keep six figures in cash earning next to nothing? Or is there a smarter way to access capital when you need it—without sabotaging your long-term wealth? We break down the mindset shift our members go through and show you how the wealthy leverage credit (without falling into debt traps). If you've ever wondered how much cash to keep on hand, or how credit cards can actually support your financial strategy, this one's for you.

Asset Coach and Tax Strategist episode on credit cards: https://youtu.be/Cx8kLidn4SY

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

Connect with Erin on Linkedin: https://www.linkedin.com/in/enevicosi/

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.

Pay Off Your Mortgage or Invest Instead?

For many doctors, being debt-free feels like the ultimate financial milestone. But is paying off your mortgage early actually the smartest move? In this episode, we break down when it makes financial sense, how your tax status changes everything, and why business owners and W-2 earners need to approach this decision differently. 

If you’ve got extra cash each month and aren’t sure whether to pay down your loan or grow your wealth elsewhere—this one's for you.

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.

What’s the best job you’ve ever had—and what made it great? Chances are, it wasn’t about the paycheck, but the culture. In this episode of Wealth Mavericks, exploring how doctors and practice owners can build a thriving company culture that drives retention, joy, and long-term success. Whether you lead a team or are part of one, we share simple, actionable steps you can take to create clarity, connection, and purpose in your workplace. Culture doesn’t happen by accident—it’s built with vision, values, and intention.

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

Connect with Erin on Linkedin: https://www.linkedin.com/in/enevicosi/

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.

This week, we're diving into one of our favorite topics: net zero tax liability. Most doctors think it’s impossible—but it’s not. In this episode, we break down how high-income physicians can use the tax code, business structures, and strategic investments to dramatically reduce (or even eliminate) their tax bill. We’re not talking loopholes—we’re talking real IRS-approved strategies that shift you from overpaying taxes to building wealth intentionally. 

 Ready to stop writing six-figure checks to the IRS? Let’s talk.

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

Connect with Erin on Linkedin: https://www.linkedin.com/in/enevicosi/

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.

Are Defined Benefit Plans the right move for doctors? In this episode of Wealth Mavericks, we break down how they work, their tax perks, and the risks most advisors don’t mention. Locking up capital and future tax surprises could cost you. Before committing, get the full picture and make a smarter retirement plan. 

 Learn how we can help you: https://www.terrafirmaconsultant.com/ 

Connect with Erin on Linkedin: https://www.linkedin.com/in/enevicosi/

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.

Doctors, are 401(k)s really the best way to save for retirement? In this episode, we break down the real rules behind 401(k)s, IRAs, Roth IRAs, and other retirement accounts—plus what high-income earners need to know about taxes, asset protection, and building wealth beyond the basics. 

 If you've ever wondered "Am I saving the right way?" this one's for you.

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.

Success isn’t random—it’s purpose-built. In this episode of Wealth Mavericks, we break down why clarity in values leads to better financial and business decisions. Whether you’re running a practice, growing wealth, or just trying to get your financial life in order, having a clear vision makes everything easier. 

Stop living in reactive mode and start building wealth with purpose.

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and its affiliates.