20/20 MONEY

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Adam Cmejla
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1.1K - 1.9K listeners Neutral 4.9 rating 76 reviews 334 episodes USA
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20/20 MONEY, hosted by Certified Financial Planner and experienced Wealth Adviser Adam Cmejla, aims to bring clarity to financial concepts and strategies that impact optometrists.

For more information on the show and on Adam, please visit https://www.integratedpwm.com/

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  • Contact phone number: (317) 706-4748
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  • Physical address for appointments: 275 Medical Dr #4356, Carmel, IN 46082-0447
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Recent Hosts, Guests & Topics

Here's a quick summary of the last 5 episodes on 20/20 MONEY.

Hosts

Adam Cmejla

Previous Guests

Corbin Lill
Corbin Lill is a student at NSUOCO who facilitated the presentation by Adam Cmejla. As a current optometry student, Corbin is engaged in learning about the business aspects of optometry and is involved in activities that promote financial literacy among future optometrists.
Dr. Ted McElroy, OD
Dr. Ted McElroy is an optometrist with a focus on practice management and delegation strategies for practice owners. He has extensive experience in the field of optometry and has participated in continuing education sessions, including a notable session at SECO 2025 titled 'The Art of Delegation'. Dr. McElroy is dedicated to helping fellow optometrists improve their practice efficiency and effectiveness through better delegation.

Topics Discussed

financial success optometrists personal finance business of optometry money management tax reduction cash flow management investment decisions optometric practice Ideal Patient Avatar sales coaching communication training small-town practice professional advisory team financial numbers gross collected revenue cost of goods sold net operating income KPIs financial dashboard collections gross revenue net income tax brackets deductions credits tax return QBI deduction Form 8960 Form 8889 health insurance deduction penalties interest delegation practice owners financial planning optometry cost of not delegating

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Episodes

Here's the recent few episodes on 20/20 MONEY.

0:00 1:18:10

Live from NSUOCO: Top 10 Tips for (Financial) Success for Optometrists

Hosts
Adam Cmejla
Guests
Corbin Lill
Keywords
financial success optometrists personal finance business of optometry money management tax reduction cash flow management investment decisions

Welcome to this episode of 20/20 Money! This week's episode is the recording of my presentation at NSUOCO, titled "Top 10 Tips for (Financial) Success for Optometrists."

Over the course of the year, I'm privileged to present in front of a variety of optometry schools' private practice clubs and classes. The purpose of the presentation is to help ODs understand the ABCs and 123s of personal finance and how to better understand the business of optometry so that, upon graduation, they are able to make educated and informed decisions about their money. Given that the content and lessons are pretty evergreen, I thought this would be a good "refresher" episode for listeners of the showyoung and "seasoned" alike. Even though you won't have the Powerpoint deck to follow along, I tried to present the content in a way that would transfer well to the podcast. Special shout out to my producer Kyle for working his magic with the audio as well as Corbin Lill, a student at NSUOCO, for having me. If you are either in school or connected to a school and would like me to do a similar presentation, please email me at [email protected].

As a reminder, you can get all the information discussed in todays conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly planning life on purpose newsletter thats filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. If youre interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become brilliant at the financial basics, or are interested in learning more about how OD Masterminds creates space for real conversations, real accountability, and real growth, please check out the link in the show notes of this episode to learn more.

And with that introduction, I hope you enjoy my live presentation from NSUOCO.

Resources:

20/20 Money Membership Information

OD Mastermind Interest Form


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For past episodes of 20/20 Money with full companion show notes, please check out ourepisode archive here!

0:00 1:00:11

My Frankenstein practice: how I would assemble the perfect optometry practice

Hosts
Adam Cmejla
Keywords
optometric practice Ideal Patient Avatar sales coaching communication training small-town practice professional advisory team financial success

Welcome to this episode of 20/20 Money!

What would I do if I were starting an optometric practice from the ground up? A listener posed the question—and I went deep. In this episode, I walk through everything from choosing the right location (hint: geography is everything) to building the skills that matter most when you’re just getting started.

We cover:

 

  1. Why defining your Ideal Patient Avatar (IPA) is mission-critical

  2. The underrated value of sales coaching and communication training

  3. Why I’d buy a small-town practice instead of cold-starting in suburbia

  4. The non-negotiables when assembling your professional advisory team

 

Whether you’re dreaming about opening your own practice or wondering how you’d do it differently if you had a do-over, this episode is full of real-world insight and practical advice.

As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that’s filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you’re interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.

 

Resources:

20/20 Money Membership Information

OD Masterminds Request Form

Tim Ferriss Fear Setting

Jen Stewart from IDOC 2024

 

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For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

0:00 39:17

Can we PLEASE agree on some numbers (and the KPIs that influence them)??

Hosts
Adam Cmejla
Keywords
financial numbers optometric practice gross collected revenue cost of goods sold net operating income KPIs financial dashboard collections gross revenue net income

Welcome to this episode of 20/20 Money! In this episode, we tackle the confusion around key financial numbers in your optometric practice and why it’s critical to have a common understanding of their definitions. From gross COLLECTED revenue, cost of goods sold, and net operating income, we explore the most important KPIs that influence your bottom line. Whether you’re looking to grow, improve efficiency, or just understand your business better, this conversation will help you create a clearer, more actionable financial dashboard.

 

We dive into:

 

  1. Why “collections” and “gross revenue” are not the same thing

  2. The 3-5 core numbers every practice owner should track consistently

  3. How to think about net income in your practice as both the clinician and the owner

 

Stop guessing. Start tracking what actually matters.

 

As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that’s filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you’re interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.

 

Resources:

20/20 Money Membership Information

OD Masterminds Information Request

 

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Please rate and subscribe to 20/20 Money on these platforms

Apple Podcasts

Spotify
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For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

 

0:00 48:38

An update on Taxes 101: Understanding tax brackets, deductions, and credits for optometric practice owners

Hosts
Adam Cmejla
Keywords
tax brackets deductions credits tax return QBI deduction Form 8960 Form 8889 health insurance deduction penalties interest

Welcome to this episode of 20/20 Money! In today’s episode, we’re diving into the details of your tax return—beyond just whether you got a refund. We’ll break down the difference between deductions and credits, how our tax brackets work, why you should focus on Line 24—your total tax paid—instead of Lines 34 or 37, and what Line 38 might be telling you about penalties and interest. We’ll also highlight common areas for errors, clarify how the QBI deduction applies depending on your income level, and walk through important forms like Form 8960 for NIIT cancelation, Form 8889 for HSAs, and the health insurance deduction.

 

As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that’s filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you’re interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.

 

Resources:

20/20 Money Membership Information

OD Masterminds Information Request

20/20 Episode #332 - Difference between Saving & Deferring Taxes

Planning for the QBI (199A) Deduction in your practice

Review of Optometric Business 199A Article

 

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Apple Podcasts

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For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

0:00 58:05

The Art of Delegation from a practice owner's perspective with Dr. Ted McElroy, OD

Hosts
Adam Cmejla
Guests
Dr. Ted McElroy, OD
Keywords
delegation practice owners financial planning optometry cost of not delegating

Welcome to this episode of 20/20 Money! My guest on today’s show is Dr. Ted McElroy, OD. Ted and I share in a conversation that's on the heels of a 2 hour CE session I did at SECO 2025, which was titled The Art of Delegation. We talk through why practice owners get stuck on delegation, ways to think about becoming more comfortable delegating, the true cost of NOT delegating, and some NBSs for you to think about around this very important topic.

 

As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that’s filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. Lastly, if you’re interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” please check out the link in the show notes of this episode to learn more.

 

And with that introduction, I hope you enjoy my conversation with Dr. Ted McElroy, OD.

 

Resources:

20/20 Money Membership Information

 

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Please rate and subscribe to 20/20 Money on these platforms

Apple Podcasts

Spotify
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For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

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