Doctors & The New Tax Bill: What Actually Changes?

2025-09-26 · Doctors Eyes Only

In this episode of Doctors Eyes Only, Vestia Partner and CEO Lauren Oschman, CFP® and Vestia Partner and Chief Growth Officer Kameron Helmuth, CFP®, ChFC® unpack the One Big Beautiful Bill Act and translate it into physician-specific tax planning decisions. They explain why most doctors will see only modest changes on the personal side and where attention is needed.

For physicians’ personal taxes, they cover:

· The “indefinite” elimination of the 39.6% top bracket

· SALT cap adjustments (and why income phaseouts still apply)

· New charitable giving limits (and how donor-advised funds can help)

· Expanded 529 flexibility for K–12 and test prep starting in 2026

· A higher estate tax exemption (~$15M per person in 2026, indexed thereafter)

For practice owners, they address:

· 100% bonus depreciation

· Cost segregation studies and timing considerations for 2025

· Coordinating tax moves with quarterly estimates and cash flow

· Pass-through entity tax (PTET) to offset limits from SALT caps

· The return of R&D credits and the importance of working with a CPA

Listen to this episode on the show’s site

Doctors & The New Tax Bill: What Actually Changes?

This is what one conversation turns into.