Wealth Mavericks

If you’re a doctor, practice owner, or business leader, this episode is for you. Erin and Joe break down one of the biggest barriers to growth: having the wrong people in the wrong seats. Learn how to use a simple but powerful tool to assess your staff, make better hiring decisions, and stop tolerating mediocrity. If you’ve ever struggled with letting someone go—or wondered how to find great people—this episode will give you the clarity and confidence to lead intentionally.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax...

Are your time and money actually aligned with what you say matters most? In this episode of Wealth Mavericks, Erin and Joe challenge you to pause, reflect, and audit your life as the year ends. Discover simple tools to uncover your true values, eliminate regret, and start making decisions that create lasting fulfillment and freedom. Your calendar and bank account are telling a story—are you ready to rewrite it?

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Living in Al...

In this special behind-the-scenes episode, we introduce you to one of Terra Firma’s trusted partners: Steve Blackwell of InVito Energy. Get a preview of how we evaluate strategic partnerships and why oil & gas can offer powerful tax advantages and long-term wealth potential—especially for doctors looking to diversify beyond the stock market. It’s a peek into how we help members play the game the way the wealthy do.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Episode Intro
02...

What if generosity wasn’t just a virtue — but a strategy for lasting wealth and joy? In this episode, Erin and Joe dive deep into the mindset of giving — not from guilt or obligation, but from abundance. They explore the power of generosity to free you from money stress, build family legacy, and amplify your impact. You’ll hear personal stories, smart tax strategies for charitable giving, and why planning leads to greater freedom to give. This one’s heart-opening and mindset-shifting.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Es...

In this episode, Erin is joined by Terra Firma coach and 20-year Air Force veteran Eric Lescarbeau to talk about the military mindset and how it helps doctors break free from inaction, overwhelm, and overthinking. They explore three key mindset shifts — being decisive, choosing discipline over willpower, and taking ownership of your financial future. 

If you’re tired of overpaying in taxes or waiting for the “right time” to act, this conversation is your wake-up call. Learn how to stop stalling and start building real wealth — one strategic move at a time.

Learn how we can help yo...

Mental health, burnout, disengagement—your team brings more than skills to work every day. In this powerful episode, Erin sits down with Lori Lara—mental health expert, corporate trainer, and martial arts black belt—to reveal what your employees are really battling and what you, the practice owner, can do about it. 

From setting the tone as a leader to practical ways to help your team thrive, this conversation will challenge and equip you to build a practice that performs—and cares.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax...

Changing the financial industry isn’t easy—and we never expected it to be. In this episode, Erin and Joe pull back the curtain on the mission behind Terra Firma and what it takes to build something truly different for doctors.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and...

What separates the doctors who thrive from those who just coast? In this episode, Erin and Joe unpack the five key qualities shared by their most successful members—traits that lead to bigger tax savings, faster progress, and greater impact. Whether you’re a current member or just considering your next financial move, this conversation will help you reflect on how to get the most out of the journey.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms 

The information in these videos is fo...

Warren Buffett is the Master of Capital—but how does he do it? In this episode, we break down Buffett’s investment strategy, how Berkshire Hathaway operates like a private mutual fund, and the secret sauce behind his wealth-building formula.

Learn how he uses cash to generate more cash and why patience is the ultimate competitive advantage. Don’t miss this deep dive into Buffett’s blueprint for generational wealth!

Subscribe to Bob’s Asset Coach & Tax Strategist Youtube channel: https://www.youtube.com/@assetcoachtaxstrategist9468

Learn how we can help you: https://www.terrafirma...

Another tax season, another $100K+ gone—and most doctors just move on. But what if you zoomed out and saw the lifetime impact of that overpayment? Erin and Joe dig deep into why smart, high-earning doctors must shift their mindset. This isn’t just about tax strategy—it’s about legacy, stewardship, and what’s possible when you stop leaving money on the table.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 The Burden of Overpaying Taxes
03:03 Changing the Mindse...

Is your business truly active in the eyes of the IRS? Most doctors misunderstand material participation. In this episode, Erin and Bob unpack what it means to prove you’re running a real business, how to avoid common real estate pitfalls, and why smart documentation is your best tax strategy. Learn how Terra Firma helps you build “the business of you” and legally optimize your taxes - without fear.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://www.terrafirmaconsultant.com/cfrform/

Chapters
00:00 Intro
01:12 Unders...

What’s your number? In this episode, we break down the concept of the "Freedom Point"—that moment when work becomes optional and your assets cover your ideal lifestyle. Joe and Erin discuss how to reverse-engineer the number, navigate legacy planning, and avoid the trap of burnout without purpose. Whether you’re at the beginning of your journey or wondering if you’ve already arrived, this episode will challenge you to define what “enough” really looks like.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://www.terrafirmaconsultant.com/cfrform...

Can you grow your wealth without sacrificing your life? In this episode, Erin and Joe unpack the tension between career ambition and true freedom. Discover how the 5 Tens framework helps doctors stay aligned with their values while still pursuing big goals. Whether you're chasing more or learning to say no, this conversation is your reminder: you can build wealth and live well.
 
Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://www.terrafirmaconsultant.com/cfrform/

Chapters
00:00 Navigating Work-Life Balance
05:12 Understanding Values and Goals
10:01 L...

What do you do when a team member goes rogue and your reputation takes a hit? In this candid episode, Erin and Joe share the behind-the-scenes story of a recent mistake, how it unfolded, and what they did next. Learn five clear steps for turning a painful leadership moment into a powerful opportunity for growth.

Learn how we can help you: https://www.terrafirmaconsultant.com/

To watch this episode on youtube: https://www.youtube.com/watch?v=6bbasP19evA

Chapters
00:00 Introduction to Team Dynamics and Challenges
04:52 The Rogue Team Member Incident<...

Doctors, don’t wait until it’s too late. In this episode, estate attorney Ciara Lister joins us to break down why a living trust matters, the costly mistakes to avoid, and how you can protect your kids, assets, and legacy—without paying $10K to do it. It’s easier than you think.

 Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and...

Fitness is often the first thing to fall off for busy doctors—but it’s also the one thing that unlocks energy, longevity, and joy in every other part of life. In this episode, we talk mindset shifts, simple habits, and real-life doctor stories that prove you can make fitness fun, sustainable, and part of your 10/10 life.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a fina...

Most doctors don’t understand the difference between marginal and effective tax rates — and it’s costing them thousands. In this episode, we break down how the progressive tax system really works, how to avoid overpaying, and why your CPA might be missing critical strategies. If you’re earning more but keeping less, this is the tax talk you didn’t know you needed.

Learn how we can help you: https://www.terrafirmaconsultant.com/

 The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial a...

Most doctors are sitting on hundreds of thousands in home equity—and doing nothing with it. In this episode of Wealth Mavericks, Erin and Bob break down how to use HELOCs strategically to create more wealth, not more debt. From funding investments to tax-smart planning, this is the mindset shift most high earners need.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a fi...

Are you running on fumes? In this episode of Wealth Mavericks, we unpack why so many high-performing doctors are living in chaos—and how to reclaim peace through the power of margin. Erin, Bob, and Joe explore practical ways to create space in your time, finances, and relationships, so you can live on purpose, not by default. If you're feeling stretched too thin, this conversation is the reset you need.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Chapters
00:00 – From Chaos to Peace: The Power of Margin
02:04 – The 5Tens Lifest...

Are 529 plans really the smartest way to save for your child's education—or are there better tools for high-income families? In this episode, Erin and Bob Wolf break down how 529s work, where they fall short, and why flexibility and wealth strategy matter more than cookie-cutter advice. Learn how to plan for your kids' future while building true generational wealth.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items ma...

This week on Wealth Mavericks, we break down where doctors should actually keep their money. Bob shares the powerful “3Ds” of tax-efficient wealth—deductions, depreciation, and distribution—and why the wealthy don’t park cash in savings. If you're sitting on a pile of money "just in case," this episode will change how you think. Learn how to put your dollars to work and build real long-term value.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, le...

In this special Wealth Mavericks episode, Erin and Joe sit down with Todd Dathe, whose story is proof that getting clear about what you want—and taking action—can transform your life. From feeling unworthy of big goals to buying his own plane almost to the day he predicted, Todd shares how defining his vision unlocked a new level of freedom, time, and purpose. If you’ve ever wondered whether you can build a life you love, this conversation will show you what’s possible.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The info...

In this episode of Wealth Mavericks, Erin and Joe speak directly to practice owners who feel overwhelmed, alone, and buried by the weight of running their business. They discuss how Terra Firma supports doctors at a deeper level — helping them boost profitability, build stronger teams, and even prepare for a successful exit. If you’re a doctor with a practice, you don’t have to do this alone.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be...

Dr. Nate Schneider went from chiropractor to anesthesiologist—and now he’s building serious wealth as a Terra Firma member. In this episode, Nate shares the mindset behind his bold career pivot, how he avoids burnout, his favorite health habits, and what freedom really looks like when you take control of your time and money.

Chapters:
00:00 – From Chiropractor to Anesthesiologist
02:30 – Making a Bold Career Pivot
05:00 – Overcoming Fear & Taking the Leap
07:30 – Staying Healthy & Avoiding Burnout
11:00 – Discovering Terra Firma & Taking Action
15:00 – Defining Financial Freedom & Wealth Goals
20:00 – Living the Five Tens Lifestyle

Most doctors don’t realize what’s possible with strategic tax planning — until they see the results. In this episode, Erin and Joe walk through real tax returns and reveal how Terra Firma clients are saving six figures in taxes. From the discovery process to the final refund, you’ll see how clarity replaces confusion and strategy replaces stress.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Chapters
 00:00 – Intro: Real Tax Results
 01:00 – Discovery vs. Actual Returns
 04:30 – $176K Saved: Client Example
 06:00 – Joe’s Tax Journey Before Terra Firma
 09:40 – Teaching the Next Generation
 ...

In this episode, we tackle the 5 most common tax planning misconceptions doctors face — and how they're keeping you from building real wealth. We break down why W-2 earners can still save big on taxes, why this isn't "too good to be true," why audit fears are often overblown, and why trying to do it all yourself may be costing you much more than you realize. If you're ready to break free from the limiting beliefs holding back your finances, this one's for you.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in...

In this episode of Wealth Mavericks, Erin sits down with Dr. Subrat Khanal, a pulmonary and critical care physician, to discuss how he and his wife intentionally balance thriving medical careers, raising a family, building wealth, and prioritizing health. From developing financial freedom to mastering daily habits for longevity, Dr. Khanal shares practical insights on how to live intentionally and avoid burnout, even in high-stress professions.

If you're a doctor seeking more time, freedom, and wealth, this one’s for you!

 Learn how we can help you: https://www.terrafirmaconsultant.com/

The...

Most doctors don’t realize what their bills actually cost once taxes are factored in. A $5,000 mortgage? That’s nearly $8,000 in earned income if you're in a high tax bracket. In this episode, we unpack how taxes impact your everyday expenses—and what you can do to flip the equation. From thinking like a business owner to reworking your cash flow, we’re showing you how to reclaim your dollars and accelerate your wealth.

Email us the word "clarity"  and we’ll send you our full roadmap showing how to unlock your biggest financial questions. support@ter...

If you're a practice owner feeling frustrated with your staff—this episode is for you. We hear it all the time: team members falling short, complacency creeping in, and that dangerous "not my job" attitude. In this powerful conversation, we unpack why it all starts with you, the leader. From establishing clear expectations and core values, to hiring the right people and truly knowing your team, we lay out a practical roadmap for building a thriving, high-performance culture. 

Whether you’re facing resentment, burnout, or just want to elevate your practice, this episode will help you lead with...

Filing an extension isn't a sign of being behind — it's a strategic move that gives high-earning doctors more peace and fewer mistakes. In this episode, Erin and Bob explain why extensions are standard at Terra Firma, how they help prevent costly errors, and why shifting your mindset around tax time is key to thinking like a business owner.  

Whether you're waiting on K-1s or just new to the process, this conversation brings clarity and calm to tax season.

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

The information in th...

In this episode, we explore the emotional side of financial decision-making—the part no spreadsheet can measure. From the desire to be debt-free to the fear of letting go of cash savings, emotions often shape our money moves more than logic. We dive into how feelings like security, guilt, and joy play into major decisions like paying off a mortgage or building wealth. If you’ve ever felt stuck between what makes sense and what feels right, this conversation is for you.

Learn how we can help you / book a call: https://www.terrafirmaconsultant.com/ 

T...

Cash value life insurance gets a lot of mixed reviews—some call it brilliant, others say it’s a waste of money. In this episode, we break down how cash value life insurance can actually be a powerful wealth-building tool when used the right way. We explain where it fits into your financial plan, why it’s not one-size-fits-all, and how doctors like you can avoid common mistakes. 

Whether you're just starting out or already have a policy in place, this conversation will help you see life insurance through a smarter, strategic lens.

Check out our epi...

In this episode, we challenge the traditional thinking around credit cards and emergency funds. Should you really keep six figures in cash earning next to nothing? Or is there a smarter way to access capital when you need it—without sabotaging your long-term wealth? We break down the mindset shift our members go through and show you how the wealthy leverage credit (without falling into debt traps). If you've ever wondered how much cash to keep on hand, or how credit cards can actually support your financial strategy, this one's for you.

Asset Coach and Tax Strategist ep...

Pay Off Your Mortgage or Invest Instead?

For many doctors, being debt-free feels like the ultimate financial milestone. But is paying off your mortgage early actually the smartest move? In this episode, we break down when it makes financial sense, how your tax status changes everything, and why business owners and W-2 earners need to approach this decision differently. 

If you’ve got extra cash each month and aren’t sure whether to pay down your loan or grow your wealth elsewhere—this one's for you.

Learn how we can help you: htt...

What’s the best job you’ve ever had—and what made it great? Chances are, it wasn’t about the paycheck, but the culture. In this episode of Wealth Mavericks, exploring how doctors and practice owners can build a thriving company culture that drives retention, joy, and long-term success. Whether you lead a team or are part of one, we share simple, actionable steps you can take to create clarity, connection, and purpose in your workplace. Culture doesn’t happen by accident—it’s built with vision, values, and intention.

Learn how we can help you: https...

This week, we're diving into one of our favorite topics: net zero tax liability. Most doctors think it’s impossible—but it’s not. In this episode, we break down how high-income physicians can use the tax code, business structures, and strategic investments to dramatically reduce (or even eliminate) their tax bill. We’re not talking loopholes—we’re talking real IRS-approved strategies that shift you from overpaying taxes to building wealth intentionally. 

 Ready to stop writing six-figure checks to the IRS? Let’s talk.

Learn how we can help you: https://www.terra...

Are Defined Benefit Plans the right move for doctors? In this episode of Wealth Mavericks, we break down how they work, their tax perks, and the risks most advisors don’t mention. Locking up capital and future tax surprises could cost you. Before committing, get the full picture and make a smarter retirement plan. 

 Learn how we can help you: https://www.terrafirmaconsultant.com/ 

Connect with Erin on Linkedin: https://www.linkedin.com/in/enevicosi/

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

The inform...

Doctors, are 401(k)s really the best way to save for retirement? In this episode, we break down the real rules behind 401(k)s, IRAs, Roth IRAs, and other retirement accounts—plus what high-income earners need to know about taxes, asset protection, and building wealth beyond the basics. 

 If you've ever wondered "Am I saving the right way?" this one's for you.

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

The information in these videos is for i...

Success isn’t random—it’s purpose-built. In this episode of Wealth Mavericks, we break down why clarity in values leads to better financial and business decisions. Whether you’re running a practice, growing wealth, or just trying to get your financial life in order, having a clear vision makes everything easier. 

Stop living in reactive mode and start building wealth with purpose.

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

Learn how we can help you: https://www.terrafirmaconsultant.com/ 

The information in these video...

If financial chaos is holding you back, this episode is for you! We break down simple, practical steps to get organized, reduce stress, and stop leaving money on the table. From setting up a tax box to tracking your assets, these easy habits can save you thousands and help you build peaceful, sustainable wealth. Stop procrastinating—take control of your financial life today.

Connect with Erin on Linkedin: https://www.linkedin.com/in/enevicosi/

Schedule some time with Erin: https://meetings.hubspot.com/nevicosi

Learn how we can help you: https://www.terrafirmaconsultant.co...