In this seventh episode of Profits in Practice, host Sarah Webb sits down with Jobin Kuruvilla, a private banking expert with nearly 20 years of experience advising high-earning professionals and medical entrepreneurs. Together, they break down the financial realities and strategic decisions facing independent physicians today—from acquiring a practice or adding new technology to structuring real estate and navigating private equity interest. Jobin shares why strong partnerships with a banker, CPA, and attorney are essential, the pros and cons of PE roll-ups, and key financial metrics physicians should track (like EBITDA margin and debt service coverage). Sarah and Jobin also explore financing options available to medical practices, from SBA loans to healthcare-focused credit lines, and discuss how autonomy, long-term goals, and succession planning play a role in practice growth and exit strategy. This episode is a must-listen for physicians building wealth and preserving independence.