Weekly Rounds: Issue #020

Week of 9/14/25

Author

Wealth Rounds
September 14, 2025 • Estimated Reading Time: 3 minutes

As physicians balancing clinical demands with financial planning, we face unique challenges. This week, I'm sharing critical insights on leveraging HELOCs for liquidity, protecting your practice with proper disability coverage, and maximizing retirement contributions before year-end. Plus, discover tax-efficient private equity strategies for your IRA and assess your retirement sustainability. These tools can help safeguard your financial future while navigating our demanding profession. 💼

👨‍⚕️ Why a HELOC Can Be a Smart Financial Tool for Physicians

Source: WCI
Published: September 12, 2025

A HELOC provides physicians with financial flexibility and helps achieve long-term goals through strategic borrowing. This home equity option allows doctors to leverage their property's value while maintaining liquidity options for various investment opportunities or unexpected expenses.

💼 Disability Insurance for Self-Employed: A Guide for Business Owners

Source: Student Loan Planner
Published: September 9, 2025

Self-employed professionals should prioritize financial self-care while building their businesses. Disability insurance provides crucial protection for business owners who depend on their ability to work. Proper coverage ensures your livelihood remains secure even when health challenges arise.

📈 Navigating Tax-Efficient Private Equity Structures for IRA Investors

Source: Physician on FIRE
Published: September 10, 2025

IRAs investing in private equity face tax complications when dealing with UBTI from debt-financed properties or operating businesses. Strategic structuring through blocker corporations and careful investment selection can mitigate these challenges while preserving tax advantages for retirement account growth through alternative investments.

📝 There's still time for ‘super catch-up’ 401(k) contributions for 2025 — here’s who benefits

Source: Financial Advisor
Published: September 10, 2025

In 2025, older workers can make "super catch-up" 401(k) contributions, allowing additional retirement savings beyond standard limits. This provision particularly benefits high-income employees approaching retirement age who seek to maximize their tax-advantaged retirement accounts before leaving the workforce.

💰 Are you likely to run out of money in retirement?

Source: MoneyWeek
Published: September 10, 2025

Determining optimal pension withdrawal rates presents challenges due to unpredictable factors including living expenses, investment performance, and lifespan duration. Financial planning for retirement requires careful consideration of these variables to ensure adequate funding throughout one's later years without depleting resources prematurely.

As we've explored these financial tools and strategies, one truth remains constant: proactive planning is your most valuable asset. Whether securing your practice with disability insurance or maximizing retirement contributions, each decision compounds toward financial independence. The difference between financial security and stress often lies in these deliberate choices we make today. 💼