Weekly Rounds: Issue #022

Week of 9/28/25

Author

Wealth Rounds
September 28, 2025 • Estimated Reading Time: 3 minutes

As a physician navigating both medicine and markets, I understand our unique financial challenges. 📊 This week, we're examining the concerning 2.8% Medicare payment cuts for 2025, updated retirement contribution limits, and strategies for evaluating advisor fees. I've also included insights on tax-free retirement accounts and Warren Buffett's timeless wisdom on quality investments. These curated resources will help you maximize wealth while minimizing stress in our demanding profession

📈 Understanding Commercial Real Estate Investing: Trust Deeds and Private Lending for Physicians

Source: Physician on FIRE
Published: September 25, 2025

Trust deed investments offer physicians an alternative to traditional securities, providing passive income through secured real estate loans. These investments feature attractive returns and collateral protection, with options for direct lending or fund participation. Professional management can mitigate risks while maximizing portfolio diversification benefits.

👨‍⚕️ Medicare Physician Payment Cuts 2025: 2.8% Reduction Impact and What Doctors Need to Know

Source: Physician on FIRE
Published: September 24, 2025

Medicare physician payments face a 2.8% reduction in 2025, continuing a trend of declining reimbursements that threatens practice viability. Doctors must adapt through operational efficiency, revenue diversification, and advocacy efforts to mitigate financial impact while maintaining quality patient care.

👴 The 2026 Retirement Plan Contribution Limits

Source: WCI
Published: September 24, 2025

The 2026 retirement plan contribution limits for 401(k)s, 403(b)s, IRAs, and HSAs will be adjusted. These important changes affect how much individuals can save for retirement. Financial planning should be updated accordingly to maximize tax-advantaged savings opportunities for the coming year.

👴 Tax-Free Retirement Account: Income That Builds Wealth and Cuts Taxes

Source: Debt-Free Doctor
Published: September 25, 2025

A tax-free retirement account allows investors to build substantial wealth while completely avoiding taxation upon withdrawal. This financial strategy represents one of the most effective methods to maximize retirement savings by eliminating future tax liability, creating a more secure and prosperous retirement future.

📈 What investors need to know about financial advisor fees

Source: Financial Advisor
Published: September 26, 2025

Financial advisors utilize various compensation structures, including fee-only, commission-based, and hybrid models. Each approach offers distinct advantages and disadvantages for investors. Understanding these fee arrangements is crucial when selecting an advisor who aligns with your financial goals and provides transparent, value-driven service.

As we navigate the financial landscape of 2025 and beyond, staying informed about Medicare cuts, retirement contribution limits, and advisor fees isn't just prudent—it's essential for our financial health as physicians. Remember Buffett's wisdom: quality investments at fair prices yield better long-term results than bargain hunting for mediocre assets. Proactive planning now can help offset upcoming challenges while building tax-efficient wealth.