Can going back to school in your 30s or 40s actually make you a better clinician than starting straight out of college?

Dr. Anna Chacon sits down with Christina Algeciras, LMHC, a psychotherapist who transformed her career from international logistics to holistic mental health care. Christina shares her journey through corporate burnout, yoga instruction, and ultimately establishing a thriving private practice in South Florida. With a master's degree in psychotherapy completed in 2019, she brings unique insight into career reinvention, having navigated the challenges of returning to school as a non-traditional student. Her approach centers on helping clients understand the root causes of their struggles rather than surface-level symptom management.

The conversation explores the realities of mid-life career transitions, the importance of support systems during professional reinvention, and the courage required to step outside comfort zones. Christina discusses her decision to build a bespoke therapy practice that doesn't accept insurance, allowing her to focus on depth-oriented work with clients facing anxiety, depression, chronic health issues, and intergenerational trauma. How does one overcome the fear of starting over? What role does emotional intelligence play in patient care? The discussion offers valuable perspective for healthcare professionals considering alternative practice models and anyone navigating significant life transitions.

Christina Algeciras, LMHC is a psychotherapist in private practice based in South Florida who specializes in holistic, relationship-focused care. After experiencing burnout in her corporate career in international logistics, she transitioned through yoga instruction before earning her master's degree in psychotherapy, which she completed in December 2019. Christina works with diverse populations addressing anxiety, depression, trauma, chronic health conditions, and intergenerational challenges, particularly within immigrant families. Her practice philosophy emphasizes getting to the root of issues through depth-oriented work rather than insurance-dictated protocols. She is known for her commitment to individualized care and her integration of somatic practices with traditional psychotherapy.

In This Episode:

• (00:00) From corporate burnout to discovering a calling in mental health
• (05:49) Teaching yoga as a bridge between physical wellness and emotional intelligence
• (10:19) The advantages of becoming a therapist later in life and staying focused on your goal
• (15:37) The transformative power of therapy and the courage to pursue personal growth
• (20:21) Building a practice that prioritizes depth over insurance company protocols
• Share with a dermatology pro you know, like and subscribe to hear all of our future episodes!

About the show: Welcome to Skin Deep, a podcast designed for dermatology professionals. Host Dr. Anna Chacon, a distinguished dermatologist and author, shares her unique experiences and offers valuable insights on the future of dermatology, including telemedicine and teledermatology in reaching underserved communities. Dr. Chacon provides actionable recommendations for dermatology practices, emphasizing compassion, patient education, and staying current with advancements in the field.

About the host: Dr. Anna Chacon, board-certified dermatologist and founder of Indigenous Dermatology, specializes in treating patients in remote and rural communities. As the first dermatologist serving Alaska's Bush region, she travels by bush plane to reach isolated communities. Dr. Chacon holds medical licenses in all 50 states, DC, Guam, and the U.S. Virgin Islands, providing both in-pe...

• (00:00:00) - Skin Deep Therapy
• (00:08:37) - Coming to work at 60
• (00:12:25) - How to Get Out Of Your Career Trap
• (00:17:32) - How to start a business in the psychotherapy field
• (00:21:26) - The Immigrant Story

What are the three biggest tax mistakes Jose Cruz sees entrepreneurs make—and how do you avoid them?

In this episode of Skin Deep, Dr. Chacon welcomes Jose Cruz, CPA and founder of Cruz Tax and Advisory Group. Jose, a Cuban-American accountant who arrived in the U.S. at age three, shares his journey from a high school accounting internship to building a practice dedicated to serving immigrants and bilingual clients. What drove him to accounting? The desire to bridge the knowledge gap for those—like his parents—navigating an unfamiliar financial system. Jose believes big-firm quality should be accessible to small businesses and startups, and he's making that vision a reality in South Florida.

What are the biggest tax mistakes holding your practice back? Jose reveals common pitfalls like Schedule C misuse, inadequate expense tracking, and the misconceptions surrounding business valuation. Should you elect S-Corp status? How do CPAs differ from EAs and traditional tax preparers? What tools actually help streamline your accounting? From real estate investor strategies to the optimal timing for S-Corp conversion (hint: it's around $20-25K net profit), this conversation delivers actionable insights on maximizing deductions, avoiding IRS red flags, and building sustainable financial habits. "Accounting is the language of business," Jose reminds us—and understanding it could save your practice thousands.

Jose Cruz is a Certified Public Accountant and founder of Cruz Tax and Advisory Group, based in South Florida. Born in Cuba and arriving in the United States at age three after his parents won the Cuban lottery, Jose discovered his passion for accounting during a high school internship. His mission is simple yet powerful: deliver big-firm expertise at accessible rates to small businesses, entrepreneurs, and immigrant communities who face language and resource barriers. With experience at global and national accounting firms, Jose brings sophisticated financial strategies to mom-and-pop businesses, real estate investors, and bilingual clients. His approach emphasizes transparency, education, and relatability—helping the next generation of entrepreneurs understand complex tax strategies through plain English communication.

In This Episode:

• (0:00) Jose Cruz shares his Cuban immigrant journey and discovering accounting through a high school internship
• (3:35) The most common tax mistakes: Schedule C misuse and the importance of proper expense documentation
• (12:44) Understanding business valuation: why accurate numbers matter for lenders, investors, and sale negotiations
• (19:28) CPA versus EA versus tax preparer: knowing the credentials behind your financial advisor
• (26:01) Mileage tracking strategies: maximizing deductions through proper vehicle expense documentation
• (32:41) Essential accounting technologies: QuickBooks, mileage apps, and receipt tracking tools for busy professionals
• (38:53) S-Corp election explained: when does converting save you thousands in self-employment taxes?
• Share with a dermatology pro you know, like and subscribe to hear all of our future episodes!

About the show: Welcome to Skin Deep, a podcast designed for dermatology professionals. Host Dr. Anna Chacon, a distinguished dermatologist and author, shares her unique experiences and offers valuable insights on the future of dermatology, including telemedicine and teledermatology in reaching underserved communities. Dr. Chacon provides actionable recommendations for dermatology practices, emphasizing compassion, patient education, and staying current with advancements in the field.

A...

• (00:00:00) - In the Elevator With Ana Chacon
• (00:02:02) - BNI Young: Growing Your Network
• (00:03:48) - How to Avoid Tax Mistakes on Your 1040
• (00:08:43) - How to Get Audited on Your Income Tax Return
• (00:12:57) - What is a Business Valuation?
• (00:16:33) - Real Estate Tax SAVES
• (00:19:37) - What Is Working With a CPA?
• (00:21:22) - Do You Need a CPA or an EA to Prepare Your Taxes
• (00:22:54) - How to Track Everything on Your Business Income and Tax Return
• (00:26:16) - How to deduct business mileage under the Internal Revenue Code
• (00:29:04) - How the Tax Law Impacted Clients
• (00:32:52) - Other Accounting Technologies for Small Business Owners
• (00:38:42) - "Tick tock: A Tax Talk Podcast"
• (00:39:03) - Can an S Corp Save You Money?

Could telehealth services make you eligible for Puerto Rico's 4% tax rate and 0% capital gains?

Dr. Chacon speaks with Víctor Delerme, CPA, founder of Delerme CPA with offices in San Juan, Miami, and Atlanta. With over 16 years of experience and licenses in both Puerto Rico and Georgia, Víctor specializes in helping high-income physicians, entrepreneurs, and investors dramatically reduce their tax burden through Puerto Rico's Act 60 incentives. What if you could reduce your tax rate from 50% to as low as 4%—or even 2%—on export services, and pay 0% on capital gains? Víctor explains how relocating to Puerto Rico offers physicians practicing telehealth unprecedented opportunities to build wealth rather than surrender it to excessive taxation.

The conversation explores Puerto Rico's distinct tax incentives for both business owners and investors, compliance requirements including the six-month residency rule, and the critical importance of working with strategists who understand both U.S. and Puerto Rico tax law. Víctor shares compelling success stories, including one client who recovered $800,000 in overpaid taxes. They discuss the holistic planning approach necessary for a smooth transition, emerging trends in global tax mobility, practical considerations for establishing a medical practice in Puerto Rico, and why proper guidance makes all the difference in maximizing these life-changing opportunities.

Víctor Delerme, CPA, is the founder of Delerme CPA, a boutique tax advisory firm specializing in Puerto Rico's Act 60 incentives with offices in San Juan, Miami, and Atlanta. Licensed in both Puerto Rico and Georgia, Víctor leverages over 16 years of experience helping physicians, entrepreneurs, and high-income earners keep more of what they earn through strategic, compliant tax planning. After beginning his career at KPMG and working with regional firms in Atlanta, he identified a critical gap in personalized tax strategy and built a team of 30+ professionals dedicated to export service optimization, capital gains planning, cryptocurrency strategies, and international tax structuring. What sets Víctor apart? His holistic approach combines deep expertise in both U.S. and Puerto Rico tax law with genuine understanding of each client's financial goals and lifestyle, ensuring seamless transitions that transform tax burdens into wealth-building opportunities.

In This Episode:

• (00:00) How high-income physicians can reduce tax rates from 50% to as low as 4% or even 2%
• (05:00) Puerto Rico's dual tax incentives: 4% on export services and 0% on capital gains
• (10:41) Compliance requirements, the six-month residency rule, and addressing audit concerns
• (16:07) Success story: How one client recovered $800,000 in overpaid taxes
• (22:07) First steps for business owners considering relocation to Puerto Rico
• (27:19) Establishing a medical practice in Puerto Rico and understanding the market
• Share with a dermatology pro you know, like and subscribe to hear all of our future episodes!

About the show: Welcome to Skin Deep, a podcast designed for dermatology professionals. Host Dr. Anna Chacon, a distinguished dermatologist and author, shares her unique experiences and offers valuable insights on the future of dermatology, including telemedicine and teledermatology in reaching underserved communities. Dr. Chacon provides actionable recommendations for dermatology practices, emphasizing compassion, patient education, and staying current with advancements in the field.

About the host: Dr. Anna Chacon, board-certified dermatologist and founder of Indigenous Dermatology, specializes in treating patients...

• (00:00:00) - CPA Victor Delerme on Puerto Rico Taxes
• (00:02:32) - Don't Overpay Taxes
• (00:05:04) - Puerto Rico tax incentives for doctors and business owners
• (00:12:49) - Are Tax Aspirations Common in Puerto Rico?
• (00:14:24) - How do you approach the Puerto Rico tax incentive?
• (00:16:03) - Tax Success Story
• (00:18:26) - Starting a firm after earning your CPA
• (00:20:22) - How to Prepare and Prepare Tax Returns in Puerto Rico
• (00:23:32) - What trends do you see in global mobility taxation?
• (00:24:57) - MDs on the Cost of Relocating to Puerto Rico
• (00:29:08) - What is the youngest person you have helped?