The Advisor

A MD Preferred Publication
October, 2014
INSIDE THIS MONTHS ISSUE

Life Insurance - Asset or Protection
By Scott W. Cody, MBA, CFS

Backdoor Roth IRAs: A Potential Way for High Income Earners to Participate
By Brian S. Eyster

Financial Emergency Preparedness Kit
By Ara Oghoorian, CFA, CFP

THE RECRUITERS CORNER

PERSONAL FINANCE

REAL ESTATE TIPS & TOOLS

PHYSICIAN OPPORTUNITIES


























Life Insurance - Asset or
Protection
By Scott W. Cody, MBA, CFS

Growing wealth for retirement, protecting ones family,
and creating a legacy are very common financial
goals. One tool that tends to be introduced to that
conversation is life insurance and there can be some
debate over whether it is truly used to accumulate
assets or merely a way to provide a death benefit. The
incredible thing about life insurance is it can truly do
both.

If you are contemplating using life insurance as an
accumulation vehicle and your estate is approaching the
estate tax limits (in excess of $5.34 million per person
for 2014) you may want to consider a strategy called
the Survivorship Standby Trust. This article is not meant
to get into the debate of whether life insurance is a
protection tool and/or accumulation vehicle but rather
to educate on a very advantageous way to own the life
insurance when ones estate is in excess or approaching
$10,000,000 range. Of course youll want to consult
your tax and legal professionals about this decision.

One of the primary benefits of using life insurance as an
accumulation vehicle/tool is that the equity/cash value
build up is tax deferred and can be accessed income tax
free if done properly (assuming the contract is not a
MEC). The downside or quandary to using life insurance
in this fashion is that the death benefit is considered
inclusive in ones estate when doing so. Example, if you
have an estate of say $10,000,000 and you purchase
some form of permanent/cash value life insurance and
it has $2,000,000 death benefit then for estate tax
purposes the $2 million is added to calculate any
potential taxes not the equity/cash value. This means
your gross taxable estate is $12,000,000 not
$10,000,000. Now even though your next estate after
estate tax is larger you still owe a larger estate tax
bill. Ideally, you wouldnt have to pay estate tax on that
additional $2,000,000 of death benefit.

So, how does one have their cake and eat it too?

There is no easy answer or silver bullet here. One
strategy to consider is the Survivorship Standby Trust.

What is it? & Why to consider it? First, the type of cash
value/permanent policy used is a Survivorship or second
to die policy. This is where you are insuring typically a
couple and the death benefit is not paid until the
second person passes. The advantage here from an
accumulation standpoint is that if structured correctly
(assuming the contract is not a MEC) it will provide ten
to fifteen percent more cash value in the policy than if
you were insuring only one person using the same
premium and style policy. The second advantage is that
youll have two owners; a primary owner who is also
the applicant and then a contingent owner. This where
the Survivorship Standby Trust (SST) comes into
play. The primary owner is typically the spouse who is
mostly likely to die first and the SST becomes the
contingent owner and beneficiary. While both spouses
are living the primary owner has unbridled access to the
policys cash value. However when the primary owner
dies then the policys cash value is included in their
estate. The estate tax impact can then be reduced or
eliminated by using their unified credit.

If the non-owner spouse passes first then the policy
owner can transfer the policy to an ILIT or to a third
party. The living spouse (the policy owner) can look at
several options estate planning in such as using their
annual exclusion or unified credit.

Since the non-owner spouse has no incidents of
ownership in the policy and is generally excluded as an
SST beneficiary, neither the cash value nor death
benefit is included in his or her estate, regardless of the
order of deaths.

As a result, upon the survivors death, the SST receives
an income tax and estate tax free benefit, which can be
used to provide estate liquidity, ensure estate
equalization, and create a family legacy or even a
wealth replacement bequest in coordination with a
charitable bequest.

Securities offered through Securities America, Inc., a
Registered Broker/Dealer, Member FINRA/SIPC, Scott
W. Cody, MBA, Registered Representative. Advisory
Services offered through Securities America Advisors,
Inc., an SEC Registered Investment Advisory Firm, Scott
W. Cody, MBA, Financial Planner. Latitude Financial
Group and Securities America are unaffiliated. Latitude
Financial Group and Securities America are unaffiliated.
Latitude Financial Group, Sooper Credit Union and the
Securities America companies are unaffiliated. Not
NCUA Insured, No Credit Union Guarantees, May Lose
Value.


Backdoor Roth IRAs: A Potential Way for High Income Earners to
Participate
By Brian S. Eyster | Financial Architects, Inc.

The traditional contribution (front door) for Roth IRAs is currently not available for higher income earners. Married
couples earning $191,000 or more and singles earning $129,000 or more in 2014 are still barred from contributing
directly to Roth IRAs.
In 2010, Congress changed the rules and since then anyone can convert a traditional IRA to a Roth IRA. However, higher
income earners are still ineligible to contribute to a Roth IRA.

A Backdoor Roth IRA is a strategy for some higher income earners to participate in Roth IRAs. It is a way for higher
income earners to put money into a traditional IRA and then roll that into a Roth IRA, getting all the benefits. While this
strategy sounds simple, there are several rules that you must know and follow to make sure you do not incur
unintended tax consequences. This is where working with a knowledgeable financial or tax professional can provide
some great guidance and value.

One of the primary benefits of a Roth IRA is that any money contributed grows tax-free and is withdrawn without any
further income taxation. In addition, unlike a traditional IRA, Roth IRAs have no required lifetime minimum distributions.
Another benefit of a Roth IRA is it can be passed on to your heirs income tax free. This allows your funds to grow and
compound tax free over many years.

The backdoor Roth conversion consists of two simple steps:

1) You make a nondeductible contribution to your traditional IRA.
2) Within a couple of days you convert this IRA into a Roth IRA (potentially paying little to no taxes on the conversion).

Theres one big caveat: This strategy works best tax-wise for people who dont already have money in traditional IRAs.
Thats because in conversions, earnings and previously untaxed contributions in traditional IRAs are taxedand that tax
is figured based on all your traditional IRAs, even ones you arent converting.

For an investor who doesnt already hold any traditional IRAs, creating one and then quickly converting it into a Roth IRA
will incur little or no tax, because after a short holding period theres likely to be little or no appreciation or interest
earned in the account. However, if you already have money in traditional deductible IRAs, you could face a far higher
tax bill on the conversion.

If you choose to, you can contribute to a non-deductible IRA for 2014 (the maximum is $5,500 or $6,500 for those age 50
or older). Remember, you must contribute to your IRAs prior to the April 15 2015 tax deadline. This non-deductible IRA
can then be used for your backdoor Roth IRA conversion (please call us prior to doing so because the rules for Roth
conversions can be complicated).

Example of a Backdoor Roth IRA

Bill, a high income physician decides on January 2nd to put $5,500 into a traditional IRA for himself and another $5,500
into a traditional IRA for his wife Mary. Bills income is too high to be able to deduct these contributions from his taxes.
So the next day, he converts the traditional IRAs to Roth IRAs completely tax-free. His income is too high for him to
make a direct contribution into a Roth IRA, but theres no income limit on conversions!

Since Bill and Mary couldnt deduct the contribution anyway, they might as well get the advantage of never paying taxes
on that money again available through the Roth IRA.



Beware of the Pro Rata Rule for Roth Conversions

What is the Pro Rata rule for Roth conversions?

The Pro Rata rule for Roth conversions states that if you have any other deductible IRAs (i.e. a previous 401k that youve
rolled over), the conversion of any contributions becomes a taxable event that youll need to pay taxes on upfront.

The Pro Rata rule for Roth conversions determines whether or not your conversion will be taxable! For taxation
purposes, the IRS will look at your entire IRA holdings (even if they are in different accounts), not just the traditional IRA
you are converting to a Roth IRA, and will determine what your tax bill will be based upon a ratio of IRA assets that have
already been taxed to those IRA assets in total.

The IRS determines the tax on this conversion based on the value of all of your IRA assets. For example Jane, a high
income earner, already has $94,500 in an IRA account, all of which has never been taxed. She decides on January 2nd to
put $5,500 into a new traditional IRA. The next day she converts the new traditional non-deductible IRA to a Roth
IRA. Janes income is too high for her to make a direct contribution into a Roth IRA, but theres no income limit on
conversions. Unlike Bill she has $94,500 in other IRAs (previously non-taxed), so her total IRA assets are now $100,000.
When she converts $5,500 to a Roth IRA, the IRS pro-rates her tax basis on the previous taxation of her total IRA assets,
therefore making this conversion 94.5% taxable ($94,500/100,000 = 94.5%).

So if you plan on using this backdoor IRA strategy, you want to be clear as to whether or not you have any other IRAs. As
you can see, this can be a confusing area and this is where we can help. If you are a high income earner we would be
happy to review your situation to determine if this strategy is in your best interest.

Also, please remember that your spouses IRA is separate from yours.








Financial Emergency Preparedness Kit
By Ara Oghoorian, CFA, CFP

I recently experienced another earthquake in Los Angeles, a fairly common
occurrence for Angelenos. The earthquake was a reminder for my wife and me to
check our emergency preparedness kit to ensure our spare batteries work,
medicines are up-to-date, food supplies are fresh, the kids clothes are the correct
sizes, and that all of our contact information is current. As a medical professional,
you undoubtedly understand the importance of being prepared to survive in the
aftermath of an emergency. Equally important to preparing a physical emergency kit is establishing and maintaining a
financial emergency preparedness kit. What is a financial preparedness kit?

List of Accounts:
What if something were to happen to you that would prevent you from arranging your financial affairs for your
dependents and loved ones? Is there someone who knows where your bank accounts are held, which credit cards you
have, or whether you own/rent your house? In many marriages, one of the spouses often takes on the role of household
Chief Financial Officer while the other spouse is left uninformed. To prevent confusion and additional stress should
something happen to your household Chief Financial Officer, maintain and update a master list of all your accounts:
banks, credit cards, mortgages, etc. The list should also include whose name the account is in and the type of account.
One effective method to catalog such items is by preparing a net worth statement. Ensure that both spouses are aware
of where this information is held and how to proceed in the case of a family emergency.

Net Worth Statement:
A net worth statement is an individuals equivalent of a company balance sheet. A net worth statement lists all of your
assets, liabilities, and net worth; your net worth is your assets minus your liabilities. Your net worth statement should
list the name of each account, the account number, the value of that account on a given date (to be updated
periodically), who the account belongs to, and whether a beneficiary is designated on the account. A well-crafted net
worth statement is essential to see how your assets grow over time. It will also allow you to run ratios to determine your
debt to income, debt to assets, and debt to equity all measures of ones financial health.

Just as a natural disaster can cause catastrophic physical damages, an unexpected death can leave spouses and loved
ones in the dark about your financial matters. Dont let a financial earthquake happen to alert you about the importance
of creating and maintaining a financial plan.

Contact ACap and we will show you how to get started.









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www.medmonthly.com


The Recruiters Corner
Tips and Talk from the Inside

If you are a resident or fellow getting ready to plunge into the interview season, here is an
approach that you wont hear from your colleagues and professors. I like to call it walk-a-mile
in their shoes.

Yes it is important to properly format your CV and yes a good cover letter is essential in getting the interview. You
definitely want to dress for success. But if you want to really prep yourself for the coming interview(s) you may want to
spend some time in the shoes of the interviewer. Here are a few techniques to consider:

If you go online you can find a virtual encyclopedia of articles and blog posts on the art of acing the interview. And these
are a great resource. But change your key search words to conducting an effective interview and you will find an
equally massive body of advice that interviewers study. Find out what the interviewer has been trained to look for and
make sure you have what they are looking for.

Study the top 20 questions that interviewers are trained to ask and study the answers that they want to hear. And dont
avoid the tough ones in the hope that they wont be asked. Be prepared to discuss everything that makes you
uncomfortable in the clear and certain knowledge that you will be asked.

Ask about the structure of the interview and with whom you will be meeting. These are fair questions and you have the
right to expect honest answers. If you are going to be facing the senior partners of the practice DO SOME RESEARCH.
Find out where they got their medical training. What would you want to know about them if you were considering them
for a position in your practice.

You will certainly be encouraged to role play for the interview. And again, this is good advice. Articulating answers to
anticipated questions in a simulated interview can give you confidence when it comes time for the real thing. But here is
a twist that will give you some unique insight. Play the role of the interviewer and pair up with a colleague. Grill him or
her with the toughest questions you can imagine. Toss every curve ball you have. And then evaluate how your
colleague handled the interview. Share ideas of how things could have gone better.

Arrive on time, wearing your best threads, carrying your sparkling Curriculum Vitae and armed with the confidence that
you have spent some time inside the head of the interviewers. Know thy enemy may be a bit over the top. But at the
very least know thy interviewer.


Personal Finance
Tips & Tools for Todays Physician

As a physician the one thing you dont lack for is advice. Your family, friends,
colleagues and purveyors are blessed with an abundance of juicy tips. Medical
journals that are best when they stick to medicine are often ripe with articles
about personal finance. Other than the charlatans and shysters, all are well
meaning but often inept.

One must keep in mind that as a physician you have invested years of your early life in training and hundreds of
thousands of dollars to pay for your expertise. And then one day, generally at the age of around 30, you suddenly find
yourself with a six figure salary and a not insignificant chunk of free cash flow at the end of the year. Unfortunately you
have received little if any training on the fine art of keeping your money in your pocket and off of the sticky fingers of
others. After all, if you can cure the sick how heal the lame how hard can it be to manage a portfolio?

And the temptations begin the moment you get that first big paycheck. For years as a medical student, resident and
fellow you have lived a life of deprivation and sacrifice. You have mountains of medical education debt, your car is
falling apart and your personal possessions can usually be packed in a U-Hall trailer with room to spare.

Now you are a new physician with needs. And it would seem by the way that sales personnel flock to your side that you
have the means to start meeting those needs. Lets dump the ride-a-wreck and lease a set of wheels in keeping with
your new status. And if you are wise you will see to your spouses transportation needs as well. And of course you need
an appropriately spacious garage attached to trophy house with enough bedrooms and baths to sleep and bath in a new
venue each day of the week and twice on Sunday. And finding financing is NO PROBLEM.

And there is always cash flow that must be put to work. And again the advisors are lined up to help you find
employment for your dollars. Stop and take a deep cleansing breath. Sit down with your spouse and a clean sheet of
paper. Draw line down the middle. Gaze into each others eyes and pledge to be as objective as you can. Now down
the left side list all of the things that you have been putting off and would really like to reward yourself with. Down the
other side list those things that you really need to live modestly but happily.

You may be shocked at how different the two lists may be. And the difference is directly proportional to the degree of
honesty you bring to bear. Now ask you most financially successful colleague to recommend their financial advisor.

Take your list to the advisor and ask for some advice. Keep these things in mind as you plan for the future:

You have started your career much later in life than other professionals.
You will therefore have a much shorter time compounding your savings for retirement.
No one is going to help you pay off your medical education debt.
No one is going to help you with the education bills for your kids.
The government is going to do all that it can to separate you from your earnings through taxes.
You will always be two or three bad investment decisions away from disaster.

With these things in mind, forge a financial plan that is as conservative as the medicine you practice. Then live long and
prosper.


Real Estate
Tips & Tools for Todays Physician

There is a TV ad that made the rounds not too long ago. To be honest, I cant remember
precisely what they were pitching but it showed a guy on the phone with his surgeon
holding a scalpel. The surgeon was instructing him where to make the first incision. His
response was, shouldnt you be doing this?

You have invested years of your life training to be a qualified physician with the skills and knowledge to serve your
patients well. In the same way you would not expect them to be successful in practicing medicine you should ask
yourself what makes you think you are qualified to make complex investing decisions regarding real estate?

The average physician lives one bad real estate deal away from disaster. And the deals are being pitched to you on an
almost daily basis. These tips come from friends, colleagues, salesmen and the occasional online pitchman. Every one
of these sources shares one thing in common, they dont make their living in the real estate arena and none of them
have gotten rich taking their own advice. Why in the world would you think your results would be any better?

In many respects, investing in real estate is as complex and demanding as preparing for a complicated surgical
procedure. Your skill sets though impressive are simply do not prepare your for evaluating all of the factors involved in a
real estate deal. The down stroke on most investments pales in comparison to the ongoing costs including taxes,
maintenance, repairs and utilities. And although prices in some areas have recovered there are other areas where
prices will remain depressed or actually drop further for years to come.

Many doctors have the enviable problem of being flush with cash. This can create a reckless disregard of risk. And
doctors might just as well being wearing a bulls eye on their back. They attract every crook and shyster in the market
place. And they are just as smooth and skilled at what they do as a physician is in his own craft. You simply dont know
what you dont know.

Investing in real estate is not a bad strategy. It can be a very sound part of a long term investment plan. Just be sure
that the plan is created and executed with the advice and direction of those who make their living in real estate and
financial planning. If you insist on investing in real estate relying on only your own expertise and judgment, start out
with real estate index funds such as VGSIX or DFITX. And never lose sight of your limitations.


Neurology Tulsa, OK - AIM Consultants is currently recruiting 2 Neurologists with stroke experience to join the
Neurohospitalist program at Hillcrest Medical Center, the flagship hospital of the Hillcrest HealthCare System,
licensed for 691 beds and located in Tulsa, Oklahoma. We also have a new Neurology position in Oklahoma City!

Excellent benefits
Varied Schedule
Sign On Bonus
Relocation expenses
Competitive Salary based on MGMA, AMGA, and experience
Great multidisciplinary team

AIM Consultants is the exclusive Physician and Healthcare Provider recruiter for the State of Oklahoma Tribal and
Indian Health Services. We have specialized over the last 25 years in rural, metro, tribal and Indian health services.

What does Oklahoma have to offer? Camping, biking, hiking, skiing, boating, wildlife, festivals, zoos, aquariums,
amusement parks, scenic road trips, beautiful scenery, Native American culture and history, Route 66, rodeo, opera,
theatre, casinos, nightlife, rural living, metro living, and so much more! And you'll be able to afford to do all of those
things because Oklahoma has the lowest cost of living in the United States! Physician jobs in Oklahoma pay
comparable rates to other parts of the country and sometimes more.

Please call, (800) 586-2499, for confidential and immediate consideration. Or, you may e-mail
( ) your CV and we will contact you as soon as possible. All personal information is kept Brenda.Buck10@gmail.com
strictly confidential and will not be forwarded without your permission. If you are not interested in this position but
know someone who might be, please forward this email to them. We look forward to speaking with you soon!

Job #1278

Pediatric Endocrinologist Minneapolis, MN - Children's Hospitals and Clinics of Minnesota is one of the
"top ten children's hospital systems" in the country.

We are an independent, not-for-profit system serving children throughout the Upper Midwest from two free
standing hospitals, 12 primary care and specialty care clinics and 6 rehabilitation sites. We are a full service, acute
care system offering a full spectrum of pediatric services, except for solid organ and bone marrow transplant. With
over 14,000 admissions annually, 90,000 emergency department visits, 18,000 surgeries and more than 200,000
outpatient visits, we offer and exciting and state of the art place to work.

We are seeking a Pediatric Endocrinologist to join our well established and growing clinical practice. Diabetes and
endocrinology care is a Cornerstone Program at Children's. Our interdisciplinary team is led by 6 pediatric
endocrinologists.

This position includes inpatient and outpatient care, participation in interdisciplinary teams and the teaching of
students and residents. There are ample opportunities for research. All inpatient admissions are fully supported by
24/7 hospitalist coverage.

Qualifications: Medical Degree or foreign equivalent: eligible for Minnesota medical licensure and DEA registration:
eligible for board certification in Pediatric Endocrinology: completion of a fellowship in Pediatric Endocrinology.

Expectations: We expect our medical staff to be champions for children. We expect our physicians to deal effectively
with complex and challenging medical issues and diverse family backgrounds while maintaining exceptional
professional relations.

For additional information, please contact Ryan Berreth at 612-813-8125 or ryan.berreth@childrensmn.org. Apply
online at www.childrensmn.org

Emergency Medicine Atlanta, GA You may know Atlanta as the unofficial capital of the South, but theres
more to this city than its southern location. If you make your home in the Peach City, youll find an undeniable mix
of Southern charm, sophistication and traditions. Atlanta continues its reputation as a transportation hub with the
worlds largest airport and easy access to I-75 & I-85. When it comes to Atlantas reputation for growth and
innovation, health care tops the list as the citys 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 MDs 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, ntrabel@emerginet.com; fax
770-994-4747; or call 770-994-9326, ext. 319. Please visit www.emerginet.com for more information.

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, ewaggoner@4mdocs.com

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 magazines 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, bette@adkissonsearch.com

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, cbecker@cejkasearch.com, 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 regions 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, brussell@c2pgroup.com

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, Marion.Douglass@WTH.org,

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, . mhartz@coorsrecruiters.com

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),
anna@mcphysicians.com (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 Hospitalthis 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: Info@Lawlorsearch.com.

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 hospitals 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 Ohios 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 ksites2@ohiohealth.com

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 Magazines 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 youre 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 overfield@beck-field.com

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, vrbaker@shhpens.org

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) . tibarra@rockymtnmed.com

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, jeannette.edwards@esrh.org, 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,
lenore.reinhard@va.gov
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
Kentuckys 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 ewilliam@lifeskills.com. Visit us
on-line at www.lifeskills.com. For information about Bowling Green: www.bgky.org

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,
herrington@seaboardhealthcare.com, 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 info@enterprisemed.com

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: jodi@spotonrecruiting.com

All Specialties - Practice around the world Your adventure starts here. Whether youre 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 dont have to stay in one
place for too long. Spend six months in New Zealand Zorbing in the worlds 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 andat long
lastdecompress. 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, jesseb@gmedical.com,
www.gmedical.com