Hi, I’m Stephen Lee — Certified Public Accountant (CPA) and Certified Private Wealth Advisor® (CPWA®).
On this channel, I share proven strategies to help high earners, business owners, and professionals keep more of what they make, minimize taxes, and build lasting wealth.
Whether you’re optimizing your S-Corp, investing smarter, or managing 1099 income, this channel gives you the tools to make confident money moves — backed by real client experience.
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The information provided on this channel is for general information and entertainment purposes only.
Should High-Income Physicians Stop Putting Everything Into Roth
Should high-income physicians put everything into Roth? Many doctors earning $400K, $1M+ hear the same advice: pay taxes now, let it grow tax-free, and never worry again. But for many high-income physicians, maxing out Roth could actually mean paying more tax over your lifetime.
In this episode of The Locum CPA, CPA and Certified Private Wealth Advisor Stephen Lee breaks down when Roth makes sense, when traditional pre-tax contributions are the better play, and why most high-income physicians probably want both. You'll also learn why choosing traditional inside your 401(k) doesn't necessarily mean you should stop doing a backdoor Roth IRA.
The real question isn't whether taxes will go up. It's: what tax rate are you avoiding today versus what tax rate will you likely pay later? Your income level, retirement timeline, Roth conversion opportunities, and deferred compensation all matter. Don't make a 30-year tax decision based solely on "taxes are going up."
Book a consultation: https://thelocumcpa.com/book-appointment/?utm_source=podcast (https://thelocumcpa.com/book-appointment/?utm_source=podcast)
Free guide, The CPA's Guide to Locum Tenens: https://thelocumcpa.com/cpas-guide-to-locum-tenens/?utm_source=podcast (https://thelocumcpa.com/cpas-guide-to-locum-tenens/?utm_source=podcast)
10 Oct 2026
7 Tax Moves Physicians Making $500K+ Should Make Before December 31
Navigating the financial side of locum tenens work can feel overwhelming. The Locum CPA Podcast is here to change that. Hosted by a CPA who understands the unique challenges of locum tenens professionals, this show breaks down everything from taxes and retirement planning to entity structuring and contract considerations, all in plain language.
Whether you're a physician, CRNA, NP, or PA doing locum work, each episode delivers practical, actionable guidance to help you keep more of what you earn, stay compliant, and build long-term wealth. No jargon. No fluff. Just real strategies from a CPA who works with locum tenens providers every day.
New episodes cover topics like:
Tax planning specifically for 1099 and W-2 locum income
Retirement options for self-employed healthcare professionals
Business entity setup and when it actually matters
Deductions and write-offs unique to travel and locum work
Bookkeeping habits that make tax season painless
Ready to take control of your financial future?
Book a consultation: https://thelocumcpa.com/book-appointment/?utm_source=podcast (https://thelocumcpa.com/book-appointment/?utm_source=podcast)
Read the free guide, The CPA's Guide to Locum Tenens: https://thelocumcpa.com/cpas-guide-to-locum-tenens/?utm_source=podcast (https://thelocumcpa.com/cpas-guide-to-locum-tenens/?utm_source=podcast)
3 Oct 2026
Tax Planning vs Tax Preparation
Welcome to The Locum CPA podcast, your go-to resource for tax strategies, financial planning, and business insights tailored specifically for locum tenens healthcare professionals.
Navigating the financial side of locum work can be overwhelming. Between multiple assignments, varying state tax filings, self-employment considerations, and retirement planning, you need guidance from someone who truly understands the unique challenges of locum tenens life. That's exactly what this show delivers, practical, no-nonsense advice from a CPA who specializes in working with locum providers.
Each episode breaks down real-world tax scenarios, money-saving strategies, and financial best practices to help you keep more of what you earn, stay compliant, and build long-term wealth, all without the jargon and confusion.
Book a one-on-one appointment:
https://thelocumcpa.com/book-appointment/?utm_source=podcast (https://thelocumcpa.com/book-appointment/?utm_source=podcast)
Read the CPA's Guide to Locum Tenens:
https://thelocumcpa.com/cpas-guide-to-locum-tenens/?utm_source=podcast (https://thelocumcpa.com/cpas-guide-to-locum-tenens/?utm_source=podcast)
New episodes drop regularly. Subscribe so you never miss one, and have a question or topic you'd like covered? Reach out, this podcast is built around what you need to know.
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5.0 / 5
1 ratings
Podcast Authority Score: 38 / 100
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