Kyle Lottman, CFA, CMT, CPA

Helping Anesthesiologists Minimize Taxes and Maximize Wealth Through Strategic Financial Planning

Statements are my own and not financial advice.

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

How much money you need to retire?

How do you give yourself permission to spend in retirement?

Check out my latest article on the Salary + Bonus Model

https://t.co/1oiaBTXJgv

#paychecks #RetirementPlanning #income

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

@DutchRojas Misdirection in action.

[Dutch Rojas @DutchRojas]

We do not have a healthcare cost problem.
We have a price-secrecy problem.

Cost is what something takes to make.

Price is what someone decided you will never be allowed to see.

Kill the secrecy and the cost handles itself.

[Heath Veuleman @HeathVeuleman]

I spy, with my little eye, America’s newest physician-owned hospital - will go live next fall.

Delivering babies - note that there are a whole lot of health systems that said this couldn’t be done.

Congrats @DrLGarl @NicholeMyersDMD

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

@MiniRetireMatt Absolutely! Reduces the feeling of missing out on the money since you don’t see it.

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

Traditional budgeting saves what remains at the end of the month.

Reverse budgeting saves and invests what remains.

Would you rather take what's left or prioritize saving (paying yourself first)?

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

@MiniRetireMatt 💯

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

@noahkaufmanmd @KaufCare So cool seeing the progress you are making. Appreciate the updates.

[Dutch Rojas @DutchRojas]

The person taking the credit is never the person who did the work. The person who did the work is already onto the next one.

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

The market used to require an MBA to be sophisticated in business. The market today only requires putting in the effort to explore all the readily available information out there without a price tag on it. YouTube, Podcasts, and books all offer the same information.

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

Rent vs. Own?

Everyone runs the numbers for housing.

Few ever apply this to the insurance premiums they pay.

[PhyCap Fund @PhysiciansCap]

When we say PhyCap is a community of physicians and healthcare leaders, here's what we actually mean.

Our LPs include general surgeons, orthopedic surgeons, gynecologists, ER physicians, cardiologists, radiologists, and anesthesiologists, alongside hospital administrators, medical sales leaders, and supply chain experts.

That community is the foundation of PhyCap. Together, they shape how we evaluate companies, where capital gets deployed, and how we support portfolio companies.

We're 20 days from final close.

👥If you're a physician or healthcare leader who wants a seat at the table, join us ahead of our June 1 final close.

@DutchRojas @drslo

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

Picking the market top is a great way to sound smart and risk going broke.

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

If your tax rate today is the same as your tax rate tomorrow, there is not mathematical difference between a pre-tax IRA or Roth IRA. In the end, you finish with the same amount of money.

Higher growth rate? Same result.
Longer investment period? Same result.

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

How are you protecting your assets as an Anesthesiologist?

- Business structure?
- How are personal assets owned?
- Personal liability protection with insurance?
- Business liability protection with insurance?
- Creditor protection?

There are a number of ways to protect what you have saved. It's critical to review it all and ensure a plan is in place.

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

@DrDiGiorgio @TheBabylonBee Bullish for trains.

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

@MiniRetireMatt No problem at all.

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

Risk of Ruin matters with investing.

How many losses can you take in a row before your future materially changes?

[Kyle Lottman, CFA, CMT, CPA @KyleLottman]

Above the line deductions can be taken along with the standard deduction.

They can also move the needle by a lot. Up to $290,000 can be taken off top-line income in 2026 and invested. Defer 40%+ today, pay 20% in the future. Tax arbitrage.