<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[bryanjepson.com]]></title><description><![CDATA[bryanjepson.com]]></description><link>https://www.bryanjepson.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Fri, 16 Oct 2026 00:15:36 GMT</lastBuildDate><atom:link href="https://www.bryanjepson.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Second Shift Pearls: The Power of Being a Physician AND Something More]]></title><description><![CDATA[Five Lessons From Episode 4 with Dr. John Shufeldt What happens when being a physician is only the beginning of your professional identity? For Dr. John Shufeldt, the answer has included building healthcare companies, earning business and law degrees, investing in healthcare innovation, improving access to medical care in underserved communities, and helping create a new kind of medical school. But despite all those accomplishments, when asked how he hopes to be remembered, his answer was...]]></description><link>https://www.bryanjepson.com/post/second-shift-pearls-the-power-of-being-a-physician-and-something-more</link><guid isPermaLink="false">6acfda0fcbb6543b8a2002e7</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Second Shift Pearls]]></category><pubDate>Wed, 14 Oct 2026 19:55:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_c65e78c4a482497c9c5c5185477a9627~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Second Shift Pearls: Remaining Relevant in Retirement]]></title><description><![CDATA[Five Lessons From Episode 3 with Dr. Stephen Anderson What happens when you leave a career that has given you purpose, identity, and a way to make a difference for decades? In Episode 3 of The Second Shift Podcast, I spoke with Dr. Stephen Anderson, an emergency physician whose career extended far beyond the emergency department into hospital leadership, public health, advocacy, and national involvement with the American College of Emergency Physicians. Steve retired from clinical medicine...]]></description><link>https://www.bryanjepson.com/post/second-shift-pearls-remaining-relevant-in-retirement</link><guid isPermaLink="false">6abe7a86a376471cc326ccf0</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Second Shift Pearls]]></category><pubDate>Thu, 01 Oct 2026 15:36:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_f8392726c7b74718ba604ca76af713c2~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Second Shift Pearls: Creating Options Before You Reach a Breaking Point ]]></title><description><![CDATA[Five lessons from Episode 1 with Bryan Jepson When we launched The Second Shift Podcast, the goal was never simply to talk about retirement. It was to explore what happens when people who have spent decades building demanding, identity-defining careers begin asking a different question: What comes next? In Episode 1, Aaron Milledge turned the questions on me. We talked about my path through emergency medicine, an unexpected detour into autism medicine, my return to the emergency department,...]]></description><link>https://www.bryanjepson.com/post/second-shift-pearls-creating-options-before-you-reach-a-breaking-point</link><guid isPermaLink="false">6ab3de0fc93c586840b1a427</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Second Shift Pearls]]></category><pubDate>Wed, 23 Sep 2026 15:27:46 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_38d5b5b77fb544f9b5816836083f78e6~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[When Can You Afford to Cut Back at Work? Rethinking Financial Independence for Physicians]]></title><description><![CDATA[As a financial advisor and host of The Second Shift podcast, where we talk a lot about career transitions, I’ve had many conversations with physicians who are contemplating or have already transitioned away from full-time clinical work. Burnout rates in medicine remain high—nearly half of physicians. I don’t think that means half of doctors regret becoming physicians. Rather, many of us experience some degree of moral injury as we feel increasingly constrained by a system that makes it...]]></description><link>https://www.bryanjepson.com/post/when-can-you-afford-to-cut-back-at-work-rethinking-financial-independence-for-physicians</link><guid isPermaLink="false">6aab48ea39c7a6ef954212ed</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Thu, 17 Sep 2026 02:50:47 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_000c99a049d249f8ab4b703165ce3e50~mv2.png/v1/fit/w_1000,h_938,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Why High-Achieving Physicians Rarely Retire Completely]]></title><description><![CDATA[It was about 4 and a half years ago that I made the decision to start exploring career options outside of medicine.  A lot has happened since then.  I earned a master’s degree in finance, became a CFP® professional, started practicing as a financial advisor, created this blog, started a podcast, and am currently completing my second book.  I could have just retired.  I thought about it.  But I also realized something about myself even at the time that I was burned out in emergency medicine...]]></description><link>https://www.bryanjepson.com/post/why-high-achieving-physicians-rarely-retire-completely</link><guid isPermaLink="false">6a987ad3887fa485c8d94935</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Wed, 02 Sep 2026 20:00:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_1129c4cb581140a28beeeae1013c3641~mv2.png/v1/fit/w_1000,h_941,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[What happens when your child with special needs turns 18? A Parent’s Guide to the Transition to Adulthood]]></title><description><![CDATA[Turning 18 isn't just a birthday. For most families, the day your special needs child turns 18 marks one of the biggest transitions of your child's life. Overnight, the law begins treating your son or daughter as an independent adult—even if they still rely on you for everyday decisions and support. At the same time, a surprising number of opportunities also open up. Government benefits may become available for the first time. New financial planning strategies become possible. Adult...]]></description><link>https://www.bryanjepson.com/post/what-happens-when-your-child-with-special-needs-turns-18-a-parent-s-guide-to-the-transition-to-adul</link><guid isPermaLink="false">6a74fce8cc18b1150271ab8a</guid><category><![CDATA[Special Needs Planning Insights]]></category><category><![CDATA[Lifetime Financial Planning]]></category><pubDate>Thu, 06 Aug 2026 21:42:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_e4c6497cecc449ee8ce2b9c5fdd81df6~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[The Three Stages of Wealth: Why Financial Independence is About More Than Early Retirement.]]></title><description><![CDATA[“What is the main purpose of money in your life?” If you ask that question to physicians at different stages of their careers, you will likely get different answers. Ask a resident and they'll probably tell you it's for paying off student loans. Ask a physician ten years into practice, and they might say it's for providing opportunities for their family. Ask a physician who has achieved financial independence, and you may hear something completely different: "It gave me the freedom to decide...]]></description><link>https://www.bryanjepson.com/post/the-three-stages-of-wealth-why-financial-independence-is-about-more-than-early-retirement</link><guid isPermaLink="false">6a6910c02d76e381b8826dc3</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Tue, 28 Jul 2026 20:54:45 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_c84057af14934ea98de2d54bb5a57cfb~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Guardianship, Power of Attorney, or Supported Decision-Making? Which is right for your adult child with special needs?]]></title><description><![CDATA[When your child turns 18, something important happens that many special needs families don't fully appreciate: your legal authority as a parent largely disappears. Even if you've spent your child's entire life making medical, educational, and financial decisions, those legal rights generally transfer to your child once they become an adult. For many young adults with disabilities, that transition creates an important planning question: Who has the legal authority to help make decisions when...]]></description><link>https://www.bryanjepson.com/post/special-needs-guardianship</link><guid isPermaLink="false">6a516a755c421b82021b01e8</guid><category><![CDATA[Special Needs Planning Insights]]></category><category><![CDATA[Guardianship & Legal Planning]]></category><pubDate>Fri, 10 Jul 2026 22:14:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_6650000c6a9745ceb63afe550bbdf45d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Should You Lend Money to Your Adult Children?]]></title><description><![CDATA[A recently widowed client asked me an important planning question, one that many parents eventually face. One of her sons was preparing to enter graduate school, and his 529 plan had been depleted during his undergraduate years. At the same time, she had just received life insurance proceeds following her spouse's death. Should she use some of that money to help pay for graduate school for her son instead of requiring him to take out federal student loans? And if so, should she give him the...]]></description><link>https://www.bryanjepson.com/post/should-you-lend-money-to-your-adult-children</link><guid isPermaLink="false">6a3c429fa6b1dcc288e399ef</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[General Personal Finance]]></category><pubDate>Wed, 24 Jun 2026 21:29:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_e158b6280d6e49069799b038487132fe~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[A Beginner's Guide to Government Benefits for Individuals with Disabilities]]></title><description><![CDATA[Introduction Managing life with a disability is challenging, whether it affects you, your child, your sibling, or someone else you love. For parents especially, each day can feel like a balancing act of therapies, school meetings, doctor's appointments, challenging behaviors, and sometimes simply learning how to communicate with your child in a way that helps them thrive. Looming over all of that are the bigger questions: How am I going to keep doing this for the rest of my life? How am I...]]></description><link>https://www.bryanjepson.com/post/a-beginner-s-guide-to-government-benefits-for-individuals-with-disabilities</link><guid isPermaLink="false">6a35b1ac217d21f7fb63ecd0</guid><category><![CDATA[Special Needs Planning Insights]]></category><category><![CDATA[Government Benefits]]></category><pubDate>Fri, 19 Jun 2026 21:38:36 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_2f64bb8b24f34ee1947cda5e413937c0~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Funding Your Special Needs Plan: How the Money Flows]]></title><description><![CDATA[Funding a special needs plan can feel overwhelming. There are a lot of moving parts: parent resources, government benefits, ABLE accounts, special needs trusts, and more. Many families know they should have these tools in place but are not entirely sure how they fit together. I like to think about special needs funding in terms of rivers and reservoirs. Rivers represent ongoing sources of income or services that flow in and flow back out as they are used. Reservoirs represent places where...]]></description><link>https://www.bryanjepson.com/post/funding-your-special-needs-plan-how-the-money-flows</link><guid isPermaLink="false">6a2acc488d10dcf6288d4fbe</guid><category><![CDATA[Special Needs Planning Insights]]></category><pubDate>Thu, 11 Jun 2026 16:54:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_caef5fdde7f548b8ac8472b6bd76a9b0~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[5 Signs You’re Ready for Your Second Shift (Even If You’re Not Ready to Call It Retirement)]]></title><description><![CDATA[Most physicians have their number in mind—their retirement number.  The amount that they have determined that their net worth must reach to sustain them for the rest of their lives.  Once they hit it, they assume that they will be ready to hang it up and call it a career. They may have come up with this number on their own, using a tool like the 4% rule, or perhaps a financial advisor has helped them with some more sophisticated planning.  Either way, the number becomes the goal.   It is what...]]></description><link>https://www.bryanjepson.com/post/5-signs-you-re-ready-for-your-second-shift-even-if-you-re-not-ready-to-call-it-retirement</link><guid isPermaLink="false">6a28a1fa579005354a9fc678</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Wed, 10 Jun 2026 02:10:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_0e3459ea47b44142a786151ece6d7943~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[How to Turn Your Health Savings Account Into Tax-Free Retirement Income]]></title><description><![CDATA[I recently had a client who is approaching an early retirement ask me about the best way to handle their health savings account moving forward before Medicare kicks in.  I thought it would be a useful and instructive blog post.  Health Savings Accounts (HSAs) can become one of the most tax-efficient tools available in early retirement and a potential source of future tax-free income. The Triple Tax Advantages of Health Savings Accounts HSAs are unique from a tax perspective.  They are the...]]></description><link>https://www.bryanjepson.com/post/how-to-turn-your-health-savings-account-into-tax-free-retirement-income</link><guid isPermaLink="false">6a18b2f88b50f46c29e0beba</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Tax Strategy]]></category><pubDate>Thu, 28 May 2026 21:40:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_6b05a83356164f2fb3877df27c255802~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[The 5 Conversations to Have With Your Partner Before Retirement, Career Change, or Any Major Life Transition]]></title><description><![CDATA[Transitions are rarely just financial decisions. Whether you are thinking about retirement, cutting back clinically, selling a business, changing careers, or stepping away from a role that has defined you for decades, the hardest part is often not the math. It is the conversations. Most major life transitions place stress on identity, relationships, routines, expectations, and communication long before they create financial problems. And yet many couples spend far more time discussing...]]></description><link>https://www.bryanjepson.com/post/the-5-conversations-before-retirement-career-change</link><guid isPermaLink="false">6a0dcc3596905735bfe6be71</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Retirement Planning]]></category><pubDate>Wed, 20 May 2026 15:25:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_7a4b89bcadc24f2dbd12ca926f7fa207~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Special Needs Trusts Explained: What Every Parent Should Know]]></title><description><![CDATA[Special Needs Trusts Explained   If you are a parent of a special needs child, one question likely keeps you up at night:  “What will happen to them when I am no longer here to help?” Because this question creates so much anxiety, it is easy to set it aside and focus only on the day-to-day challenges that need our more immediate attention.  But the earlier you prepare for that inevitable transition, the less painful it becomes, for all of those involved.  Building a lifetime financial plan...]]></description><link>https://www.bryanjepson.com/post/special-needs-trusts-explained-what-every-parent-should-know</link><guid isPermaLink="false">6a08f0b40b9e4f37fd28905d</guid><category><![CDATA[Special Needs Planning Insights]]></category><category><![CDATA[Special Needs Trusts]]></category><pubDate>Sat, 16 May 2026 22:48:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_8b07bb0770834b62a53b7a4215b28f1d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[How much do I need to save to reach my retirement goal?]]></title><description><![CDATA[Defining your personal savings rate One of the most common questions I hear from physicians is simple: “How much do I actually need to save to retire?” The frustrating answer is usually some version of “it depends.” But that doesn’t help you decide whether your current lifestyle is sustainable or if you need to make changes. In this post, I’ll show you how to think about that question and give you a tool to calculate your own answer. First, some principles Everyone is different.  There is not...]]></description><link>https://www.bryanjepson.com/post/how-much-do-i-need-to-save-to-reach-my-retirement-goal</link><guid isPermaLink="false">6a01f946e8ad7aab1e5a01bf</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[General Personal Finance]]></category><pubDate>Mon, 11 May 2026 16:15:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_e7ed44b5e1b04994aec585d4f9a4db79~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[What is an ABLE account? And should I have one for my child with special needs?]]></title><description><![CDATA[What is an ABLE Account? Welcome to Special Needs Planning Insights, my new blog focused specifically on financial and life planning for families with special needs.  As a parent of two adult children with special needs myself, I understand firsthand the constant search for trusted information related to the needs of my child.  There are many stages to navigate, and each comes with important financial, legal, medical, and practical decisions.   You are planning not only for your own life, but...]]></description><link>https://www.bryanjepson.com/post/what-is-an-able-account</link><guid isPermaLink="false">69fb469c8a769b9e6e0034b8</guid><category><![CDATA[Special Needs Planning Insights]]></category><category><![CDATA[ABLE Accounts]]></category><pubDate>Wed, 06 May 2026 14:11:25 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_23a73216991e45c6a69716357a99da0a~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Three Foundational Financial Decisions for Physicians That Matter More Than Choosing the Right Index Fund ]]></title><description><![CDATA[Your dream house should not become the reason you lose financial freedom. Physicians tend to be detail-oriented and data-driven folks.  You have to be if you want to be a great clinician, surgeon, or medical researcher.  And, in my experience, that mindset often spills over into their investing style, especially for those who enjoy doing it themselves.  Paying attention to those details is important, absolutely.  It can save a lot of money over the long run.  But it is also surprising to me...]]></description><link>https://www.bryanjepson.com/post/three-foundational-financial-decisions-for-physicians</link><guid isPermaLink="false">69f47b618ca39cf305c5cea8</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Behavioral Finance]]></category><pubDate>Fri, 01 May 2026 10:43:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_3d769bad255242f4812b80142fc75772~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[Real Estate Depreciation for Physicians:  Separating Tax Strategy from Sale Pitch]]></title><description><![CDATA[Of all the alternative investment options marketed to physicians, real estate probably gets the most traction.  And I understand why.  Doctors tend to have more discretionary income, even after maxing out their 401(k), and the smart ones are looking for ways to leverage that income for their futures, rather than just spending it on a fancier lifestyle.  Because of that draw, a whole industry has emerged—physician real estate investing.  And with any industry that involves money, there are...]]></description><link>https://www.bryanjepson.com/post/real-estate-depreciation-for-physicians-separating-tax-strategy-from-sale-pitch</link><guid isPermaLink="false">69e27f99c4c584cedb0856e2</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Tax Strategy]]></category><pubDate>Fri, 17 Apr 2026 19:10:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_6e172740fd5649d68ed16603fdaba39d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item><item><title><![CDATA[The Best Retirement Plan for Physician Practice Owners: 401(k), SEP-IRA, or Cash Balance?]]></title><description><![CDATA[One of the most common questions I get from physician clients who own their own practice is simple? How can I reduce my tax bill? When your income climbs into the high six figures, taxes are no longer just a nuisance—they’re one of your largest expenses. And unlike W-2 physicians, small-business owners have significantly more control over how much they pay. One of the most powerful ways to reduce taxes, while simultaneously building long-term wealth, is through a well-designed retirement...]]></description><link>https://www.bryanjepson.com/post/the-best-retirement-plan-for-physician-practice-owners-401-k-sep-ira-or-cash-balance</link><guid isPermaLink="false">69d6916ba51db32c14c03059</guid><category><![CDATA[Financial Grand Rounds]]></category><category><![CDATA[Practice Ownership]]></category><pubDate>Wed, 08 Apr 2026 18:00:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/bc2ed0_5e202daefd46416d9ee722066e4573ce~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>bryanjepson</dc:creator></item></channel></rss>