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8/1/2014 MD PREFERRED SERVICES THE ADVISOR
8/1/2014
MD
PREFERRED
SERVICES THE ADVISOR
INSIDE THIS MONTH’S ISSUE
Preventing Identity Theft By Tom Orecchio
Buy High, Sell Low! By Sara Finkelstein, Signature Advisory Group
Money, Marketing & Other Taboo Topics By Dr. Vicki Rackner, MD
Roth Conversions AKA “Back Door” Roth IRA By Scott Cody, Latitude Financial Group, LLC
Debt Free is Still the American Dream for Most By Vicky Spivey, Associate Broker
An alternative to Deferred Compensation By Scott Cody, Latitude Financial Group, LLC
THE RECRUITER’S CORNER
PERSONAL FINANCE
REAL ESTATE TIPS & TOOLS
PHYSICIAN OPPORTUNITIES
Preventing Identity Theft By Tom Orecchio
According to a Bureau of Justice Statistics report, 16.6 million people experienced identity theft in 2012 with financial
losses totaling $24.7 billion. Being a victim of identity theft can have severe financial consequences. We often find
that most people don’t realize they are a victim of identity theft until they are making a large purchase like a house or a
car and issues show up on their credit report. When someone steals your personal information and uses it, it can cause
havoc with your finances, reputation, and credit history. Resolving it can take a lot of time and money.
Here are some tips to help you prevent becoming a victim of identity theft: o Review your credit report on a regular basis to ensure that you catch any potential identity theft activity. Check the
credit report of your children as well; it’s possible that kids can fall victim to identity theft. o Use unique passwords and passcodes for online accounts and banking. Use different passwords for different sites
instead of just one common password. In addition to using unique passwords, use a password manager and enable
dual-factor authentication wherever possible. In cases where this involves security questions (“Where did you meet
your spouse?”) choose things that no one can find out about you through social media or Google. o Review your health insurance medical claims record to ensure that no one else is using your insurance card. o Don’t carry all your important documents with you! Leave your social security card, birth certificate, and passport
at home. o Don’t carry all your credit cards or any blank checks. o Check credit card statements carefully monthly to make sure you agree with all the purchases listed. o Be careful when you gets calls or emails asking for personal information. o When you order new checks, do not request them to be delivered in the mail. Go directly to the branch office. This
will prevent someone from intercepting your mail and using your checks. o Shred all paper documents that have private or sensitive information. o Chose paperless statements sent directly to your email or smartphone. o Protect your personal computer with a strong and updated firewall, an anti-virus program, and an anti-spyware
program o If you are getting rid of your computer or cell phone, make sure to delete all your personal information; the best
bet would be to restore it to factory settings. o Be careful when you shop online. While it may be easy to store your credit card on a particular retailer’s site, it also
could be vulnerable if the website is hacked. Keep a separate credit card and email account designated for online
purchases; this will make it easier to track activity and also to cancel if you see any inexplicable activity. o When you are at the ATM, make sure no one behind you who can see you type in your password; to be safe, cover
the account balance information as well as the key pad. o Educate your teenagers on how to protect themselves from identity theft. In particular, remind them not to
overshare on social media (e.g., address, phone number, etc.) and what private information should of course be
kept private.
Buy High, Sell Low! By Sara Finkelstein, Signature Advisory Group Did I get your attention? That was my intention. Of course, the true goal is to buy low and sell high. However, that does not happen all the time, it only happens some of the time. When the market is in an uptrend, we tend to think that it will always go up, so we choose to hang around and continue to build our gains. However, those “gains” are not true gains they are only
unrealized gains. An unrealized gain is a paper gain. It is a true gain only when you sell the position and take your profits. You and I know that your gains can become “break even” or even “losses”. It’s a challenge to take your profit and move on. Wise investors understand that what goes up must come down and vice a versa. Since the market is currently at an all-time high, might it make sense to take your profits now? Before those profits disappear?
Money, Marketing & Other Taboo Topics By Dr. Vicki Rackner, MD
The biggest barrier to your practice success may be a set of beliefs about what constitutes
conduct becoming to a physician. Can a physician ethically target a group of best-fit
patients, engage in marketing activities and make practice choices based on profitability?
Our healthcare system is constructed around a core principle: we have a duty to deliver
medical care regardless of a patient’s ability to pay. Money has become the ultimate taboo
topic among physicians.
When I first set up my practice-- in the pre-managed care era-- I could not ask colleagues
how much they charged for a surgical procedure; if they answered, they would be in
violation of anti-trust laws. Further, I had no idea how much patients paid out-of-pocket for
the medication I prescribed.
It doesn’t take too much imagination to figure out why health care costs exploded.
It’s time to rethink our relationship to money and marketing and other taboo topics. You cannot serve patients if you
cannot meet your payroll.
If you run a profitable practice that works for you, you’re in a better position to reach out to the underserved members
of your community if that’s what calls to you.
Here are some lessons I have learned about money and marketing:
• Money is neither good nor evil; it’s a way of exchanging value.
• Patients are willing to pay for things they value.
• It’s our job to help patients understand the value of the services we offer.
• Marketing is nothing more than clearly communicating the value you deliver.
• The bigger your impact, the bigger your income.
In other words, you don’t have to choose between running a profitable practice or dedicating yourself to service. You
can have both.
And you can thrive no matter what. Practices that reinvented themselves under managed care did well. Even today
when the news spells out the economic gloom, the luxury market is rebounding.
Reinvention will become the operative word for practices that thrive in the upcoming era of the Affordable Care
Act. I'll show you how.
http://medicalbridges.com/practice-building-tip-find-your-sweet-spot/
Founder, Pain Stompers www.PainStompers.com
Immediately improving the quality of life for family and friends of people in pain.
Founder, The Caregiver Club, www.thecaregiverclub.com
Immediately improving the quality of life for family and friends of people in need.
Roth Conversions AKA “Back Door” Roth IRA By Scott Cody, Latitude Financial Group, LLC
Many physicians seem to miss this little known planning opportunity.
Why?
In part, because so few people are taking advantage of a contributory Roth IRA to begin with. According to the
Investment Company Institute, 18.6 million U.S. households (about 15.7%) owned Roth IRAs in 2011.
What are the general rules for funding contributory Roth IRAs?
There are three ways to fund a Roth IRA--you can contribute directly, you can convert all or part of a traditional IRA to
a Roth IRA, or you can roll funds over from an eligible employer retirement plan. In general, you can contribute up to
$5,500 to an IRA (traditional, Roth, or a combination of both) in 2013 ($6,500 if you'll be age 50 or older by December
31). However, your ability to make annual contributions may be limited (or eliminated) depending on your income
level ("modified adjusted gross income," or MAGI), as shown in the chart below:
If your federal filing status is:
Your 2014 Roth IRA contribution is reduced if your MAGI is:
You can't contribute to a Roth IRA for 2014 if your MAGI is:
Single or head of household More than $114,000 but less than$129,000 $129,000 or more
Married filing jointly or qualifying widow(er) More than $181,000 but less than $191,000 $191,000 or more Married
filing separately More than $0 but less than $10,000 $10,000 or more Unlike a traditional IRA, you can contribute to a
Roth IRA even if you're 70½ or older. However, your contributions generally can't exceed your earned income for the
year (special rules apply to spousal Roth IRAs).
Important changes since 2010
Prior to 2010, you couldn't convert a traditional IRA to a Roth IRA (or roll over non-Roth funds from an employer plan
to a Roth IRA) if your MAGI exceeded $100,000 or you were married and filed separate federal income tax returns.
The Tax Increase Prevention and Reconciliation Act (TIPRA), however, repealed the $100,000 income limit and
marital status restriction, beginning in 2010. What this means is that, regardless of your filing status or how much you
earn, you can now convert a traditional IRA to a Roth IRA. (There's one exception--you generally can't convert an
inherited IRA to a Roth. Special rules apply to spouse beneficiaries.) And don't forget your SEP IRAs and SIMPLE
IRAs. They can also be converted to Roth IRAs (for SIMPLE IRAs, you'll need to participate in the plan for two years
before you convert). You'll need to set up a new SEP/SIMPLE IRA to receive any additional plan contributions after
you convert.
How do you convert a traditional IRA to a Roth?
Converting is easy. You simply notify your existing traditional IRA trustee or custodian that you want to convert all or
part of your traditional IRA to a Roth IRA, and the custodian/trustee will provide you with the necessary paperwork.
You can also open a new Roth IRA at a different financial institution, and then have the funds in your traditional IRA
transferred directly to your new Roth IRA. The trustee/custodian of your new Roth IRA can give you the paperwork
that you need to do this. You can also open a new Roth IRA at a different financial institution, and then have the funds
in your traditional IRA transferred directly to your new Roth IRA. The trustee/custodian of your new Roth IRA can
give you the paperwork that you need to do this. If you prefer, you can instead contact the trustee/custodian of your
traditional IRA, have the funds in your traditional IRA distributed to you, and then roll those funds over to your new
Roth IRA within 60 days of the distribution. The income tax consequences are the same regardless of the method you
choose.
Calculating the conversion tax
When you convert a traditional IRA to a Roth IRA, you're taxed as if you received a distribution, but with one
important difference--the 10% early distribution tax doesn't apply, even if you're under age 59½. However, the IRS
may recapture this penalty tax if you make a nonqualified withdrawal from your Roth IRA within five years of your
conversion. If you've made only nondeductible (after-tax) contributions to your traditional IRA, then only the
earnings, and not your own contributions, will be subject to tax at the time you convert the IRA to a Roth. But if you've
made both deductible and nondeductible IRA contributions to your traditional IRA, and you don't plan on converting
the entire amount, things can get complicated. That's because under IRS rules, you can't just convert the
nondeductible contributions to a Roth and avoid paying tax at conversion. Instead, the amount you convert is deemed
to consist of a pro rata portion of the taxable and nontaxable dollars in the IRA. For example, assume that your
traditional IRA contains $350,000 of taxable (deductible) contributions, $50,000 of nontaxable (nondeductible)
contributions, and $100,000 of taxable earnings. You can't convert only the $50,000 nondeductible (nontaxable)
contributions to a Roth, and have a tax-free conversion. Instead, you'll need to prorate the taxable and nontaxable
portions of the account. So in the example above, 90% ($450,000/$500,000) of each distribution from the IRA
(including any conversion) will be taxable, and 10% will be nontaxable. You can't escape this result by using separate
IRAs. Under IRS rules, you must aggregate all of your traditional IRAs (including SEPs and SIMPLEs) when you
calculate the taxable income resulting from a distribution from (or conversion of) any of the IRAs.
Some experts suggest that you can avoid the pro rata rule and make a tax-free conversion if you take a total
distribution from all of your traditional IRAs, transfer the taxable dollars to an employer plan like a 401(k) (assuming
the plan accepts rollovers), and then roll over (convert) the remaining balance (i.e., the nontaxable dollars) to a Roth
IRA. The IRS has not yet officially ruled on this technique, so be sure to get professional advice before considering this.
Using conversions to make "annual contributions"
Unfortunately, TIPRA didn't repeal the income limits that may prevent you from making annual contributions to your
Roth IRA. But if your income exceeds these limits, and you want to make annual Roth contributions, there's an easy
workaround: you can make nondeductible contributions to a traditional IRA, as long as you haven't yet reached age
70½. You simply make your annual contribution first to a traditional IRA, and then convert that traditional IRA to a
Roth. There are no limits to the number of Roth conversions you can make. (But again, you'll need to aggregate all of
your traditional IRAs--including SEPs and SIMPLEs--when you calculate the taxable portion of the conversion.)
Employer retirement plans
You can also roll over non-Roth funds from an employer plan (like a 401(k)) to a Roth IRA. Prior to 2010, the income
limits and marital status restrictions also applied to employer plan rollovers to Roth IRAs (commonly referred to as
conversions). As with traditional IRA conversions, TIPRA removed these restrictions beginning in 2010, and now
anyone can roll over funds from an employer plan to a Roth IRA, regardless of income level or marital status. Like
traditional IRA conversions, the amount you convert will be subject to income tax in the year of conversion (except for
any after-tax contributions you've made).
Is a Roth conversion right for you?
The answer to this question depends on many factors, including your current and projected future income tax rates,
the length of time you can leave the funds in the Roth IRA without taking withdrawals, your state's tax laws, and how
you'll pay the income taxes due at the time of the conversion. And don't forget--if you make a Roth conversion and it
turns out not to be advantageous (for example, the value of your investments declines substantially); IRS rules allow
you to "undo" the conversion. You generally have until your tax return due date (including extensions) to undo, or
"recharacterize," your conversion. For most taxpayers, this means you have until October 15, 2014, to undo a 2013
Roth conversion.
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Debt Free is Still the American Dream for Most Being out of debt and retiring financially secure represent the American Dream for a majority of Americans, and most
are optimistic that they can achieve it, according to the 2014 Credit.com American Dream Survey. Retiring financially
secure at age 65 represents the ultimate American dream for 36 percent of those surveyed, while getting out of debt
came in at a close second, with 25 percent of respondents choosing it as their definition of the "American Dream."
The majority of survey respondents are optimistic about their ability to achieve their version of the American Dream,
with 16 percent saying they have already achieved it and another 50 percent indicating it is within their reach. Only 24
percent say it is it not within their reach.
Other significant findings from the survey include: • Dreams are personal and varied. After retirement and getting out of debt, the other top definitions of the American Dream included owning a home (17 percent), joining the "one percent," (five percent), graduating from college (three percent), and paying off student loans (two percent). • Getting out of debt is a top priority. When asked about their top financial priority for the next year, at the top of the list was paying off credit card debt, with 19 percent of consumers choosing that option. Close behind that, another 18 percent chose "being debt-free." Other responses included investing for retirement (12 percent), saving for a major purchase (12 percent), buying a home (nine percent), paying off student loans (six percent), retiring financially secure at 65 (six percent), sending kids to college (five percent) or paying off the mortgage (four percent). • Most are fairly optimistic about their ability to pay off debt. When it comes to being debt-free, 79 percent said they are very or somewhat likely to achieve that milestone in their lifetimes, with only 18 percent indicating that it was not very or not at all likely that they would be debt-free in their lifetimes. Not surprisingly, those with student loan debt were most likely to say it was not very or not at all likely that they would be debt-free in their lifetimes (28 percent), followed closely by those who have been unemployed in the past three years (24 percent). Source: Credit.com, Reprinted with permission from RISMedia. ©2014. All rights reserved. Vicky Spivey, Associate Broker Berkshire Hathaway Home Services, GA Properties, www.vickyspivey.bhhsgeorgia.com, [email protected], Cell: 678-939-2791, EFax: 866-396-2149
An alternative to Deferred Compensation Are you a business owner or partner of a practice? Are you looking for additional ways to put away additional monies
while getting both a corporate tax deduction as well as a personal tax deduction?
Perhaps, you’ve maxed out your 401(k) & Profit Sharing Plan, maybe even your “Cash Balance” pension plan? Maybe
some partners of your practice cannot agree upon adding a “Cash Balance” pension plan?
Do you need to fund a buy-sell agreement? Are my business partners required to participate in order to have such a
plan? Is this Deferred Compensation? Similar, but no it’s not deferred compensation.
Consider this alternative to deferred compensation. This plan is for business owners with who have consistent
earnings. This plan offers one hundred percent deduction for dollars going into to it to the business. The individual
can deduct seventy percent of the contributions personally. The dollars inside the plan are protected federally from
litigation. The funds inside the plan are very conservatively invested and will not decline due to stock market
conditions. The plan offers a death benefit which can help with any buy-sell agreement.
What is the downside to this plan? Minimum contribution of $50,000 per year for 5 years otherwise you forfeit the
benefit to a charity of your choice. For additional information please contact: Scott Cody, MBA, CFS, [email protected] 720-881-8742, Website www.latitudefinancialgroup.com
The Recruiters Corner Residents and fellows are preparing for their final year of medical training and the long and
sometimes frustrating interview process seems to begin earlier every year. Hopefully at the end
of the process lies a rewarding practice opportunity with an equally rewarding compensation
package. And because many practicing physicians have contract expiration dates that match
up with their earliest interview cycle, as many as 40,000 practicing physicians are engaged in
testing the market place for a new career opportunity as well.
In theory at least each of these journeys will end with an offer. Surprisingly fewer than half of the candidates will
negotiate the actual compensation component of the offer. Let’s set the record straight. Most offers are a starting
point for negotiation and the employer will be neither surprised nor offended with a candidate that approaches the
employment process as a mutually beneficial event. But as with most things in life there are right ways and wrong
ways to approach the process.
According to Victoria Pynchon, a career consultant and regular blogger at Forbes, one of the most common mistakes
professionals make when discussing an offer is to start with an apology. “I’m sorry to ask but is the compensation you
quoted cast in stone?” Why are you sorry? What’s the worst that the hiring authority can say?
Many compensation packages are based on the compensation plan that includes other doctors in the practice. The
practice is not going to bust the model and upset the other physicians. At the same time, starting compensation for a
new physician, especially a talented addition to the group, is often a range rather than a number. One shouldn’t expect
a practice manager to begin what they expect to be a negotiation at the top end of that range.
It’s hard to know what you can ask for if you don’t know what you are worth. And it’s hard to know what you are worth
if you haven’t done some basic research on what physicians with your training, experience and skill sets demand in the
market place. And don’t forget that geography can play a big part in pushing that number up or down.
If you find yourself bumping up against a comp ceiling that is locked in by the compensation of other members of the
group, explore the possibility of one-time, non-salary, signing bonuses for things like medical education debt
reduction, relocation or special clinical skills or certifications.
As a graduating resident or fellow it can be hard to project confidence in your true worth. And sometimes you want a
particular opportunity so bad that you don’t want to risk the offer by asking for an equitable compensation package.
But two or three years down the road you may find that number one, the opportunity has lost some of its glitter and
number two, you have locked yourself into the low end of the compensation pattern when it comes time to re-negotiate
a contract.
Remember, if you lack the confidence to protect your interests, fake it. Take a deep breath, maintain eye contact and
suggest in a firm but respectful way that you know what you are worth, you know what the market will bear and the
offer need some work. In a critical physician shortage environment like we are experiencing, a practice is not going to
walk away from talent just because they have some starch in their backbone.
Personal Finance Do your part in protecting your identity
Make it harder for someone to steal your personal information. But be prepared in case the worst happens:
Do not sign the back of your credit cards. Instead, write PHOTO ID REQUIRED.
When you are writing checks to pay on your credit card accounts, do not put the complete account number on
the Memo Line. Instead, just put the last four numbers.
Put your work phone # on your checks instead of your home phone. If you have a PO Box, use that instead of
your home address. If you do not have a PO Box, use your work address.
Never have your SS# printed on your checks.
Photocopy the complete contents of your wallet. Do both sides of each license, credit card, etc. By so doing you
will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel.
Keep the photocopy in a safe place.
When traveling abroad, carry a photocopy of your passport.
In case your wallet is lost or stolen here are some things you should do WITHIN HOURS of discovering the loss:
Notify the credit card companies. The key here is having the toll free numbers and your card numbers
available. If you followed the above procedure you will have a complete copy at your disposal.
Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and also call
the Social Security fraud line number. The alert will inform any company checking your credit that your
information was stolen. They will be required to contact you by phone to authorize new credit.
Here are the numbers you will need:
o Equifax: 1-800-525-6285
o Experian (formerly TRW): 1-888-397-3742
o Trans Union: 1-800-680 7289
o Social Security Administration (fraud line): 1-800-269-0271
File a police report immediately in the jurisdiction where your credit cards, etc. were stolen. This proves to
credit providers you were diligent.
Print out these instructions and file them with your photo copied information.
Real Estate – Tips & Tools
Are you ready to make a thirty year commitment?
This month’s article is really aimed at the young physician, fresh out of residency or fellowship first time buyer. Our
objective is helping you avoid some of the mistakes that first time buyers often have to live with for years. It is
remarkably easy for the search for your dream home to turn into a nightmare. So before you even begin the process
here are some words of advice.
The chances are that as a freshly minted physician you have not had time to secure the advice of a financial advisor and
put together the frame work of a long term plan. After all, the ink is still wet on your contract, children are either still a
work in progress or they are years away from college. STOP! If you are even considering signing a 30 year mortgage,
an obligation that at least in theory will last until you are in your late 50’s, without making it one of the pillars of your
financial plan you are just asking for trouble.
And don’t let anyone tell you that financial advisors won’t accept a young professional with a mountain of medical
education debt and virtually no net worth. There are dedicated professionals out there that will be happy to start the
journey as your guide and mentor. Many of them can be found at www.mdpreferredservices.com, an online resource
center for young physicians.
A financial advisor can help you calculate how much home you can afford and how much home you should afford. He
or she can make sure that you take all of your expenses into account when establishing a budget. That’s right, a
budget…even newly minted, soon to be wealthy physicians need a budget. And they can often help you find financing
even with your medical education debt. Here are a couple of useful numbers that you can compute yourself that can at
least set realistic expectation of the reception you are likely to get when seeking a mortgage.
Your monthly mortgage is always more than just the principle and interest. You are about to join the ranks of real
estate tax payers and in many counties this can really be an eye opener. In some metro areas taxes can easily run to 4%
of the value of the home. This gets divided by 12 and added to the mortgage. Hazard insurance is good for another
sizeable chunk of monthly change. And don’t forget association fees and private mortgage insurance if your down-
stroke is going to be less than 20%. Once you know what kind of monthly nut you are likely to be looking at, here is
how the money lenders are going to determine how deserving you are.
They will work from your gross income before taxes. They are going to look at two percentages of that number. First
they will determine your “front end ratio” to see if the monthly mortgage payment as described above is a suitable
percentage of your monthly gross income. The going rate is usually somewhere south of 28%.
Next they will calculate a “back end ratio”. This takes into account all of your projected monthly expenditures
including cash expenditures for minor items. This is where your financial advisor can really help. He or she will help
you identify all of the costs that are on the horizon including things like private school tuitions, auto loans or lease
payments, entertainment, country club dues, etc. The going rate for the back end is generally south of 36% although
some lenders will stretch this number a bit.
At the end of the day, you and your financial advisor and your lender will determine just how “house poor” you chose
to be by tying all of your discretionary income into your mortgage payment. Your first years of medical practice will
have all of the stress you need. Hanging by your financial finger nails at the first of each month trying to cover the
house payment is not something that they warn you about in medical school. To find a financial advisor that
specializes in serving young physicians visit www.mdpreferredservices.com.
Cardiology - Dallas, TX – Outstanding Opportunity for an Interventional Cardiologist. HeartPlace is the past,
present, and future of cardiology in North Texas. With HeartPlace, the future of cardiology is truly here. We are
currently seeking an Interventional Cardiologist at our S. Fort Worth clinic location. The HeartPlace clinic currently
has 1 physician (Non-Interventional) so physician must be comfortable being in a small clinic and being the only
Interventionalist at the clinic. Call is 1:4 (1:2 for Interventional). Services offered at the clinic – nuclear (mobile
camera), echo, stress echo, pacemaker checks. Hospital (Huguley Memorial Medical Center) has 2 cath labs. Clinic
outreach 1 day/week is probability. Physician must have outgoing personality. For further information: Contact
James Dooley, Cardiovascular Provider Resources, 14800 Landmark Boulevard, Suite 700, Dallas, TX 75254, 972-
391-2053, [email protected]
Emergency Medicine – Atlanta, GA – You may know Atlanta as the unofficial capital of the South, but there’s
more to this city than its southern location. If you make your home in the Peach City, you’ll find an undeniable mix of
Southern charm, sophistication and traditions. Atlanta continues its reputation as a transportation hub with the
world’s largest airport and easy access to I-75 & I-85. When it comes to Atlanta’s reputation for growth and
innovation, health care tops the list as the city’s facilities expand and improve services across the metro area. Serving
some of the fastest growing hospitals is EmergiNet. EmergiNet has positions available for BC/BP, EM residency
trained physicians for work in hospitals surrounding the Atlanta metropolitan area. We work as a team emphasizing
quality emergency care, dedicated customer service, professional and personal growth. Highlights include: Fee-for-
service model having most MD’s starting at around $350k with no ceiling; Profit sharing plan after first year including
tax-deferred compensation to supplement 401k(100% vested immediately); Physician-centric practice owned and run
by physicians; All facilities located within 30 minute drive from downtown Atlanta. EmergiNet provides a full range of
clinical and administrative professional services to the facilities we serve. Our mission is to maximize patient care and
facility resources, as well as educate, facilitate and integrate the delivery of health care within the community. We
continually seek ways to enhance the level of excellence and quality in the services we provide to our clients. To review
this and other opportunities E-mail CV to Neil Trabel, [email protected]; fax 770-994-4747; or call 770-994-
9326, ext. 319. Please visit www.emerginet.com for more information.
Emergency Medicine - Tallahassee, FL – Independent democratic group seeks top quality Emergency Medicine Physician for Capital Regional Medical Center in Tallahassee, Florida. Physician must be BE/BC ABEM/AOBEM certified to work in this 65,000 annual volume ED. Excellent compensation, equal shareholder opportunities, productivity bonuses, health and disability insurance, generous 401K and profit sharing, CMEs and professional expense reimbursement as well as malpractice and tail coverage. Best known as Florida’s capital city, Tallahassee is a fusion of cosmopolitan flair and charming personality. Deep rooted in history and culture, it is where college town meets cultural center, politics meets performing arts and history meets nature. Located just minutes from the Gulf and nearby beaches! For more information, contact Alisha Lane, Titan Emergency Group, (904) 332-4322 or [email protected]. Emergency Medicine - Warren, Ohio – St. Joseph Health Center in Warren, Ohio, conveniently located between Cleveland and Pittsburgh, seeks a confident and dedicated emergency medicine physician. Annual volume 34,000; level III trauma center; 12-hour shifts; EM residency program; flexible schedule; physician/physician assistant double coverage! Extremely competitive compensation and benefit package including partner plan, health plan, 401K, malpractice, life and long-term disability. To review this and other opportunities: Contact Erin Waggoner, 4M Emergency Systems, 888-758-3999, [email protected] Emergency Medicine - Illinois – Primus Trauma Care , Bloomington, IL, is seeking a BC/BE Emergency Medicine physician to join a group of 11 physicians. The hospital you will serve is a state-of-the-art facility with 23 emergency trauma rooms. Highlights of this opportunity include: Student loan assistance, Flexible schedules, 250,000 draw area, and unique partnership opportunities. Bloomington/Normal, IL has been listed as one of Money magazine’s Top 100 Best Places to Live. It has excellent public and private schools and is home to 2 major universities. Bloomington/Normal has a thriving economy with companies such as State Farm, Mitsubishi and Country Financial. It also offers a wide variety of cultural and recreational venues such as the US Cellular Coliseum, The Bloomington Center for Performing Arts and Braden Auditorium. To review this and other opportunities: Contact Bette Luna, Adkisson Search Consultants, 866-311-0000, [email protected] Endocrinology - Lafayette, IN – Established Multi-Specialty Group - Sigma Medical Group an established multi-specialty group is seeking a BE/BC endocrinologist. This outpatient/inpatient setting will include a mixture of cases, including diabetes and a flexible call schedule of 1:3 or better. Enjoy the benefits of top-notch, excellent new facilities and exam rooms, providing you with all capabilities to perform all of your procedures. A very competitive two year employed guarantee compensation package waits...at or above the national average, commensurate on experience. Production bonuses, relocation, CME, health benefits, and an incredible pension all are part of this great opportunity. Physicians with Sigma enjoy an outstanding, cooperative working relationship with St. Elizabeth Regional Health. Opening in the fall of 2009, St. Elizabeth East Medical Center, a 150 bed state-of-the-art facility, will afford your patients the latest in hospital technology and care. St. Elizabeth Regional Health is home to the most comprehensive medical care in the region and has traditionally led in providing state of the art equipment, facilities, and physicians to its patients. For further information contact: Courtney Becker, 800-678-7858, x 64401, [email protected], Reference #122940 (30925) B35 Gastroenterology - Southwest Oregon – A spectacular setting often compared with Italy and Southern France, offering a potential income of $700K while only working 2 full days and 3 half days. Live a short drive away from the Pacific Ocean and right in the heart of the region’s wine country. This established group of gastroenterologists is seeking to add to their practice where they enjoy a call schedule of less than 1:5 plus zero HMO and great reimbursement contracts. Quality of life is second to none with plenty of outdoor as well as cultural activities to go around. Keep yourself busy in this economically sound community. For more details contact Brent Russell, the Inline Group, 800-417-5549, [email protected] Hematology/Oncology - Jackson, TN – Join 3 other hematologist/oncologists in extremely busy large multi- specialty clinic. Inpatient and outpatient position. In office ancillaries and EMR available. Partnership available.
Community overview: One hour from Memphis and two from Nashville; Community of 100,000 people and home to 23 Fortune 500 Companies; Excellent private and parochial schools and 5 colleges and universities; 200,000 acres of lakes and rivers; Ballet, Theatre Guild, Arts Council, Symphony, and AA Baseball; Low cost of living and no state income tax; Site Selection Magazine ranks state as the second best location in the country for businesses. Hospital overview: Jackson-Madison County General Hospital; 635 bed tertiary care center; New 9 story bed tower opened September – 2008; New EMR in implementation; 85 Adult ICU beds; 26 ORs in main hospital and 10 in surgery center; 80,000 plus ER visits annually. For additional information contact: Marion Douglass, Physician Recruiter, (866) 891-6055, [email protected],
Internal Medicine – Springfield, OH – Coors Healthcare Solutions invites you to explore an excellent employed Internal Medicine opportunity with a progressive healthcare organization in Springfield, Ohio. Our client, a 254 bed, not for profit hospital has recently built a $300M brand new state-of-the-art hospital and is seeking a Board Certified or Board Eligible, academically trained Internal Medicine physician to assist in the continued growth & momentum of this amazing health care system. This busy facility sees over 16K Inpatient Admissions a year, 26K Outpatient visits a year, and 75K ED visits. Candidate will join a group of two other, well established, physicians and must be willing to have both an Inpatient and Outpatient practice. The established practice that is looking for its next partner comprises of two Internal Medicine physicians. Both physicians average 25-30 patients a day plus their hospital patients which average 8 patients a day. These two physicians are looking for someone to join their practice and quickly begin seeing a complimentary volume of patients right out of the gate. Call is shared between the partners and 1 other physician for a 1 in 4 rotation. This hospital is part of a larger health system, that was recently ranked in the Top 10 Health Systems, Nationwide, based on quality metrics. This is an employed physician opportunity with competitive compensation package, potential sign on bonus, incentive bonus based on productivity, quality, patient satisfaction and provider satisfaction, full relocation, outstanding benefit package and excellent 1:4 call schedule. Interested parties may contact J. Michael Hartz, 800-507-6917, . [email protected] Internal Medicine - Midwest Opportunity - group seeking BE/BC physician for traditional internal medicine or inpatient only practice in multi-specialty group affiliated with top 100 Solucent hospital in Midwest. A competitive salary with excellent benefit package is available. Enjoy a relaxed call schedule. Please send resume and references to: Magnolia Critical Care & Internal Medicine, 573-874-3235, [email protected] Neurology (Adult or Pediatric) – Indiana - Exceptional opportunity to join a highly respected group. This well established group is adding another General Neurologist due to continued growth. Open to sub-specialties. Call 1:10. Enjoy practicing in this collegial, state of the art and technologically advanced medical community. Highly competitive compensation and comprehensive benefits including partnership, signing bonus, generous educational loan assistance, paid malpractice, relocation, and much more. This opportunity is located in an award winning city with excellent public and private schools, University/Colleges, and airport. This thriving city offers an abundance of cultural and recreational activities plus second home amenities at numerous lakes in the area. Enjoy an exceptional quality of life, low tax base, safe neighborhoods and low cost of living. For more information contact: Anna McNerney, 888-765-0007 (Toll Free), 574-262-0638 (Direct line), [email protected] (View additional Neurology opportunities at our website: www.mcphysicians.com) Neurology - Coastal New Jersey – This is a hospital employed neurology position. You can be set up on a net income guarantee or be employed by the Hospital…this choice is yours. The employed position offers a competitive salary and paid malpractice; excellent comprehensive benefits and CME allowance. NYC is just 60 miles north and Philadelphia is about 50 miles to the west. Also enjoy sailing, golf, yachting, fishing in this family oriented community which is host to numerous beautiful parks. Please respond to Margie Quinlan, Lawlor and Associates, 800-238-7150; fax your CV to 610-431-4092 or email: [email protected]. Primary Care - Marion, OH – A busy private practice physician in Marion, Ohio is in search of an additional physician. The current physician is certified in Internal Medicine-Pediatrics and would consider both IM/PEDS and Family Medicine physicians. With the current high volume the new physician would not only assume some of the current physician's patients but also take on new patients; allowing the new physician to build a practice quickly. This practice is associated with OhioHealth's Marion General Hospital. For more than 90 years, Marion General Hospital's associates, volunteers and physicians have provided patient-focused care in the community. Marion General physicians are known for the exceptional care they provide at this community hospital, which has grown into a regional referral center, offering services and care traditionally found in much larger hospitals. Four generations have come to know Marion General as the largest and most sophisticated hospital in the seven-county service area, providing services that include advanced heart care, a Level II Special Care Nursery; and spine and joint revision surgery. Given the hospital’s strong ongoing service to its seven-county area, the Marion community can rest assured that Marion General Hospital will continue to grow and stay on the cutting edge of medical care as
needs and innovation develop. The city is located about 50 miles (80 km) north of Ohio’s capital city, Columbus, due north along U.S. Highway 23. It is the county seat of Marion County. Marion occupies most of Marion Township, which is located just outside of the city limits. Marion is the nation's leader in corn and popcorn produced foods. Marion is home to the Marion Popcorn Festival, an annual event that is held in downtown Marion. The Regional Dog and Pony Show is a regional event that is held annually in Marion. For more information on the position please contact Karlie Sites at 614-544-4223 or send your CV to [email protected] Primary Care - North Dakota – needed for Rural North Dakota Hospital Employed Opportunity - This town is a growing community with a bright future. Our citizens breathe easy here; we know and care about one another, and we believe every person can make a difference. North Dakota consistently ranks in the #1 safest states, #10 most livable states, and #9 healthiest states in the nation. The city of Williston is nestled in the northwest corner of North Dakota, just 60 miles from the Canadian border and 18 miles from the Montana border. Our economy is enriched by the oil and gas industry, agriculture and the service sector. Economic Development, the Convention and Visitors Bureau, and the Chamber of Commerce all work together to enable Williston to shine as the "Western Star" of North Dakota. Western North Dakota is one of the finest deer and game bird hunting regions in the United States. Williston ranked #18 in the April 2008 edition of Outdoor Life Magazine’s article, "The top 200 towns for the outdoorsman." Lake Sakakawea, located 16 miles east of Williston is the largest man-made lake in the country, and is regarded as one of the premier walleye fishing lakes in the world. Features include: Hospital Employed, Base Salary $230,000, Signing Bonus, Full Benefits, Stipend during Residency. If you’re looking for great quality of life within a city with excellent family values, this city has it all. Please call Robert Overfield at 800-839-4728 or email your CV to [email protected]
Primary Care - Panhandle of Florida – Sacred Heart Medical Group, a premier 100+ physician group serving the Panhandle of Florida is seeking Internal Medicine and Family Practice physicians interested in a good career in a beautiful place to live. As a member of Sacred Heart Medical Group you would enjoy: Excellent earning potential – with almost half of the group earning at or over the 75th percentile nationally; Generous benefits, including disability coverage and robust pension plan; Group has excellent customer relations and ranks at the 85%tile nationally; Only JCAHO accredited physician group in the region; Nationally recognized teaching hospital affiliation with the Florida State College of Medicine; Affiliated with the M.D. Anderson Physicians Network. Plus be a part of a community which offers: Pristine beaches, scenic rivers and bays; Schools within the top 15% in the nation; University town; Active arts community, including symphony, opera, theatre; Cost of living at 92% of national average; No state income tax; Year round outdoor activities. For additional information contact: Physician Recruitment, 800-669-5386, [email protected]
Primary Care – Denver, CO - Outpatient Family Practice Opportunities South Suburban Denver Outpatient clinics seeking BC/BE family practice physicians for current openings in south suburban Denver locations. --Employed positions --Full spectrum family medicine with no obstetrics --Average 20+patients per day --Share telephone call rotation, currently 1:3 --Full time, 4 day work week --Clinic Hours, 8 to 5 --Competitive starting salary, benefits and incentives To be considered for these positions please forward a copy of your CV to Tracy Ibarra at or call Tracy at 970-218-9207 (mobile) or 800-735-6721 (office) . [email protected] Primary Care - Virginia – Eastern Shore Rural Health System, Inc. is a Community Health Center organization located on the Eastern Shore of Virginia, a 52 mile peninsula nestled between the Chesapeake Bay and Atlantic Ocean. Our rural community offers beautiful scenic views and access to a variety of cultural opportunities. For more information, visit our website at www.esrh.org. As the 10th largest employer on the Shore, ESRHS has much to offer our employees along with an excellent benefits package which includes health & dental insurance, 403(B) matching program, disability insurance, paid CME and more. Candidates must have a valid Virginia license and must be Board eligible or Board certified in a primary care specialty. Skills required include: Planning, organizing and implementing clinical programs and activities, supervising and assisting in training of clinical professionals, ability to work well in a leadership role with a cooperative effort with diverse groups of health professionals and center staff; ability to work independently and to make appropriate clinical decisions which reflect professional strength, confidence and integrity. If you are a mission driven person looking to make a difference, please fax, mail or email a CV to: Jeannette R. Edwards, [email protected], Fax: (757) 414-0569, P.O. Box 1039, Nassawadox, VA 23413 Primary Care - Reno, NV – The VA Sierra Nevada Health Care System is seeking a BC/BE internal medicine or family practice physician. Major functions include initial evaluation, H&Ps and medical management of veterans in primary care clinics. Diagnoses and advises veterans of clinical problems that may be discovered during an examination. Interprets laboratory and radiological related material. Participates in the teaching programs of the University Of Nevada School Of Medicine. Recruitment incentive may be available. Candidates must be a U.S. citizen. The VASNHCS provides primary and secondary care to a large geographical area that includes 20 counties in northern Nevada and northeastern California. Approx. 120,000 veterans reside in this region. The Reno campus
operates 64 hospital beds and 60 Community Living Center beds in addition to three CBOCs. Academic affiliations for VASNHCS are the University Of Nevada School Of Medicine and the East Bay Surgical Program at the University of California, San Francisco. Approximately 45 medical, surgical, and psychiatry residents rotate annually through VASNHCS. Located on the eastern slope of the Sierra Nevada mountain range, Reno is minutes away from beautiful Lake Tahoe. Best of all, Nevada has no state income tax! A career with the VA offers stable employment and a future that is challenging, satisfying, and rewarding. Our excellent patient care environment includes learning and teaching opportunities, an advanced electronic medical records system, and competitive salaries. Our generous comprehensive benefits include: Recognition for professional achievement; Educational opportunities for professional development; Competitive pay; Liability protection; 26 days (minimum) paid annual leave/year; 13 days paid sick leave per year; 10 paid holidays per year; 15 days paid military leave per year (if applicable); Choice of health insurance options; Dental and vision coverage available; Life insurance coverage; Retirement benefits (three tiered); Thrift Savings Plan (similar to 401k) with agency matching; Student loan debt reduction program. Fax or email CV to Lenore Reinhard, RN, Healthcare Recruiter, 775-328-1250, [email protected]
Psychiatry - Kentucky Opportunity – LifeSkills is currently seeking a Board Certified/Board Eligible General Psychiatrist; the position will cover 2-3 clinics in our service area working 40 hours per week. Primary role is to provide psychiatric evaluation and follow-up medication management with child and adult psychiatric patients in an outpatient setting. No weekends or on-call. On-call is available with additional stipend. We offer excellent benefits, State of Kentucky Retirement Plan, 401(k) and 457 saving plans, state health insurance. LifeSkills is South-Central Kentucky’s premier provider of mental health, substance abuse, and developmental services for over 40 years. LifeSkills, headquartered in Bowling Green, operates in a ten county region consisting of Allen, Barren, Butler, Edmonson, Hart, Logan, Metcalfe, Monroe, Simpson, and Warren County. LifeSkills supports individuals as they build meaningful and independent lives by providing more than 50 programs; we firmly believe in making a difference in the lives of our customers. Through our team approach we are able to provide the best services to those we serve. LifeSkills’ Behavioral Health division provides individual, group and family counseling to assist individuals and families who are facing a mental illness or crisis situation. Our mental health services include psychiatry, psychotherapy, case management, day programs, supported employment, supported housing, therapeutic foster care and crisis stabilization. Contact Eileen Williams at 270-901-5000 x 1121 or [email protected]. Visit us on-line at www.lifeskills.com. For information about Bowling Green: www.bgky.org Pulmonologist - North Carolina - needed to assume practice in safe, family community as current doctor transitioning to lead local hospitalist program. Less than 2 hours from beaches, Charlotte, RDU, and just 45 minutes from Fayetteville and 35 minutes from Pinehurst. Loan repayment assistance is possible. Laurinburg is only 35 minutes from the golf resort of Pinehurst and 2 hours or less from the Carolina beaches, Charlotte, Raleigh and Greensboro. The closest large city, Fayetteville, is a 45 minute drive. St. Andrews Presbyterian College is located in town and the University of NC at Pembroke, along with the Givens Performing Arts Center, is 20 minutes away. Contact Melisa Ciarrocca, Scotland Health Care System, 910-291-7540, [email protected] Vascular Surgery - Muskegon, MI – Progressive surgical practice seeks fellowship-trained vascular surgeon. Well-established multi-specialty surgical group seeks a BC/BE vascular/endovascular surgeon to replace retiring vascular partner. Full complement of open and endovascular procedures performed. Office based vein practice and busy ICAVL vascular lab. Unrestricted access to interventional suites; excellent working relationship with cardiology and interventional colleagues. Muskegon Surgical Associates, PLC (MSA) for more than 40 years has been providing surgical health care services to West Michigan. MSA consists of 3 vascular surgeons, 5 general surgeons, and 2 plastic surgeons. A good payer mix, salary income guarantee, excellent benefits package a beautiful and friendly West Michigan community with excellent schools makes this a must-see opportunity! Our Staff trained in nursing, scheduling, insurance/billing, medical records and office management supports our offices. Meeting the surgical needs of West Michigan is both challenging and rewarding. MSA has met this challenge with years of hard work and dedication by our physicians and staff. We have over 50 other opportunities across the US. Seaboard's over 220 practices can be reviewed by specialty and state at http://www.seaboardhealthcare.org/job_opportunities.php, For additional information contact: W.R. Herrington, Sea Board Healthcare, 877-292-5007, [email protected], www.seaboardhealthcare.org. All Specialties - Opportunities Across the Country – Enterprise Medical Services (EMS) is one of the leading physician recruiting and consulting organizations in the United States, connecting the most progressive hospitals, clinics and medical groups, with the most qualified career-minded physicians. Since 1990, EMS has been committed to leading the market by offering an experienced staff and superior service in order to provide physicians and organizations with a positive recruiting experience. At EMS, we are committed to your success. Our consultants are the best in the business because they work exclusively in the medical specialty they serve. They take pride in building relationships that help communities find physicians. Our reputation and commitment is unparalleled. Let us
help you make the recruiting process a worry-free experience. To review our current opportunities visit us online at www.enterprisemed.com, or phone us at 800-467-3737 or email us at [email protected] All Specialties - Opportunities Nationwide – Spot On Recruiting was founded by one of the nation's premier physician recruiters, from one of the largest physician recruitment firms in the country. We place physicians in all specialties across the nation. Why us? We will walk you through every step of your career search. We will use our extensive expertise to help you find the right opportunity that fits your needs. We provide free and confidential service. We will spend the time necessary to find out exactly what you are looking for in a career. We will provide you with extensive data on the practice and community. We can introduce you to non-advertised positions that you won't find anywhere else. We will assist you with your interview coordination. We will educate you on the current market conditions. We will prepare you for your interview and assist you with your contract negotiations. If you are looking for perfect, flawless, precise and excellent recruitment, then Spot On Recruiting is the physician recruitment firm for you. To search all our current job listings go to: http://www.spotonrecruiting.com/search/searchjobs. You may also contact us directly at: 866-955-7768 ext. 101 or by email at: [email protected] All Specialties - Practice around the world – Your adventure starts here. Whether you’re nearing the end of your medical studies or ready to launch your new medical career, make locum tenens your first stop. You can travel the world, maintain your skills, gain valuable experience, and get paid to do it. And you don’t have to stay in one place for too long. Spend six months in New Zealand Zorbing in the world’s adventure capitol or exploring the Southern Alps; or pack up and enjoy a year in Australia tramping in the Outback or diving the Great Barrier Reef. After years of schooling, locum tenens lets you earn a competitive wage while you work less, travel more and—at long last—decompress. After all, practicing medicine is more than lab coats and stethoscopes, it really is an adventure. Global Medical Staffing has Anesthesiology positions available throughout Australia and New Zealand. Give us a call today and let us get started planning your locum adventure. The world is your practice, where do you want to go? For more information contact: Jesse Black, Toll-Free: 800.760.3174, Direct: 801.937.6580, [email protected], www.gmedical.com
