Effective date: July 19, 2026
The Income Variable website, book-related materials, articles, emails, specialty exposure map, calculators, graphics, downloads, and other companion resources (collectively, the “Content”) are provided by Brian P. Kelley, MD, for general educational and informational purposes only.
You should independently evaluate information and consult appropriate licensed advisers before making a medical, financial, investment, tax, legal, insurance, employment, or career decision. Do not delay seeking professional advice because of anything presented on this website.
The Content is not individualized medical, financial, investment, tax, accounting, legal, insurance, employment, or career advice. It is not a substitute for advice from qualified professionals who understand your circumstances.
Brian P. Kelley, MD, is a physician, but use of the Content, submission of a form, or communication through this website does not create a physician-patient relationship. The website is not a medical practice website or patient portal, and it is not intended to diagnose, treat, or prevent any condition.
The Content also does not create an attorney-client, accountant-client, adviser-client, fiduciary, broker-customer, consultant-client, or other professional relationship. The author and The Income Variable are not acting as your investment adviser, broker-dealer, tax adviser, attorney, accountant, insurance adviser, or career counselor.
Do not submit protected health information, patient information, medical records, account numbers, Social Security numbers, or other sensitive information through this website or its tools.
If you are experiencing a medical emergency, call 911 or seek immediate care from an appropriate medical professional.
Nothing in the Content is a recommendation or solicitation to buy, sell, or hold any security, investment, insurance product, real estate asset, or other financial product. References to asset classes, strategies, products, or hypothetical transactions are illustrative and do not account for your objectives, risk tolerance, tax situation, time horizon, liquidity needs, or other circumstances.
Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Hypothetical, projected, or modeled results do not represent actual performance and may differ materially from real-world outcomes.
Calculators and interactive tools provide estimates based on the information entered and the assumptions, formulas, and data built into the tool. Results may be affected by rounding, omitted variables, changing laws or market conditions, inaccurate inputs, and assumptions that do not fit your circumstances.
Outputs are illustrations, not predictions, valuations, eligibility determinations, quotes, guarantees, or recommendations. They should not be used as the sole basis for a financial, investment, tax, real estate, employment, or career decision. Verify material calculations independently and review decisions with appropriate professionals.
The Specialty Exposure Map is an educational framework for comparing possible AI-related income exposure across medical specialties. Scores, rankings, labels, component values, and explanations are estimates derived from the stated methodology, source data, and judgment. They do not predict the future of a specialty, the income or employment prospects of an individual clinician, or the decisions of an employer, payer, regulator, credentialing body, or health system.
AI capabilities, adoption, regulation, reimbursement, labor markets, and clinical workflows change rapidly. Specialty-level estimates may not reflect local conditions, subspecialization, practice setting, procedure mix, ownership, reputation, referral relationships, payer mix, contractual rights, or an individual clinician’s skills. Use the map as a starting point for analysis, not as a career directive or guarantee.
We aim to use credible sources and reasonable methods, but we do not warrant that the Content is complete, current, error-free, or suitable for any particular purpose. Laws, regulations, reimbursement rules, tax rules, prices, rates, evidence, and technology may change after publication. Sources may also contain errors or be revised.
We may correct, update, remove, or change Content at any time without notice. Publication of Content does not create a continuing duty to update it.
Examples, scenarios, composite cases, and numerical illustrations may be simplified, hypothetical, anonymized, or altered for educational purposes. They are not promises that another person will achieve the same result.
Any testimonial or description of an individual result reflects that person’s experience and is not a guarantee of typical or future results.
The views expressed are those of the author unless expressly stated otherwise. They do not necessarily represent the views or policies of any current or former employer, hospital, medical practice, professional organization, publisher, sponsor, or affiliated institution.
References to companies, products, institutions, publications, or organizations do not imply endorsement by them or affiliation with them.
The website may later contain sponsored content, affiliate links, complimentary products, or other commercial relationships. When a relationship could reasonably affect the weight or credibility of a recommendation or endorsement, it will be disclosed clearly near the relevant content.
Unless a specific disclosure states otherwise, no compensation has been received for mentioning a product, service, company, or resource. A general statement on this page does not replace a specific disclosure placed with sponsored or affiliate content.
Links and references to third-party websites, tools, products, services, or publications are provided for convenience and context. We do not control and are not responsible for their availability, accuracy, security, terms, privacy practices, or content. A link does not necessarily constitute endorsement.
You are responsible for evaluating the Content and for decisions made using it. To the fullest extent permitted by applicable law, the Content is provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, and noninfringement.
To the fullest extent permitted by applicable law, Brian P. Kelley, MD, and The Income Variable will not be liable for any loss, harm, claim, or damages arising from or related to access to, use of, inability to use, or reliance on the Content or any linked third-party resource. Some jurisdictions do not permit certain warranty exclusions or limitations of liability, so portions of this section may not apply to you.
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The Income Variable
Email: hello@theincomevariable.com
