How Physicians Can Slash Taxes & Build Wealth with Self-Directed IRAs — Matt Calhoun

In this episode of Doctors Investor Club, Matt Calhoun — senior leader and educator at Equity Trust Company — breaks down how physicians and dentists can escape Wall Street–only investing and unlock tax-advantaged wealth through self-directed IRAs and alternative assets. From house hacking duplexes to helping investors deploy over $40 billion into real estate, private equity, notes, and crypto, Matt reveals how doctors can minimize taxes, leverage retirement accounts, and think like the wealthy to build lasting legacy.

🔑 What You’ll Learn:

• Why physicians often pay the highest taxes of any profession
• How self-directed IRAs open access to real estate, private equity, and alternative assets
• The difference between traditional vs. Roth IRAs — and how to use backdoor conversions
• Why real estate offers unique leverage, tax advantages, and long-term growth
• How cost segregation and bonus depreciation amplify tax efficiency
• Why physicians should think beyond clinical income and diversify like the wealthy
• The role of CPAs, advisors, and syndications in building passive wealth
• How to use retirement accounts to invest in startups, medical technology, and franchises
• Why tax efficiency is the ultimate wealth-building strategy for doctors and dentists

⏱ Timestamps:
00:00 – Intro
01:00 – Meet Matt Calhoun: educator at Equity Trust Company
02:30 – From financial advising to real estate investing
04:00 – Discovering self-directed IRAs and alternative assets
05:30 – Middle class vs. wealthy asset allocation mindset
06:00 – Why real estate is powerful: leverage, tax benefits, appreciation
08:00 – Cost segregation, bonus depreciation, and tax efficiency
09:00 – Basics of self-directed IRAs explained
13:00 – Roth vs. Traditional IRA and backdoor conversions
16:00 – Tax efficiency as the ultimate wealth strategy
18:00 – Physicians, dentists, and high-income professionals using self-directed IRAs
21:00 – CPAs, advisors, and syndications: finding the right fit
23:00 – Passive investing vs. active property ownership

💥 About Matt Calhoun:
Matt Calhoun is a senior leader and educator at Equity Trust Company, one of the nation’s largest custodians for self-directed IRAs and 401(k)s. With a background in economics, finance, and business development, he has helped thousands of professionals shift from Wall Street dependency to tax-advantaged wealth building, deploying over $40 billion into alternative assets.

📲 Connect with Matt Calhoun:

• Matthew Calhoun - LinkedIn
• Equity Trust Company: trustetc.com

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