Timberview Capital Highlights the Growing Gap Between High Income and True Wealth for Professionals

Why high income isn’t enough—Dr. Tyson Cobb from Timberview Capital explains why, and what to do instead.

BETTENDORF, IA, UNITED STATES, June 16, 2025 /EINPresswire.com/ -- A high income may look like the golden ticket to financial freedom—but for many professionals, it’s not translating into the wealth or flexibility they expected.

Dr. Tyson Cobb, a semi-retired orthopedic surgeon and founder of Timberview Capital, says this disconnect is more than anecdotal—it’s systemic. “I earned a great salary in medicine, but it didn’t create the financial freedom I hoped for,” Cobb shares. “The problem wasn’t income. It was strategy.”

Through Timberview Capital, Cobb now helps other high-income earners—physicians, attorneys, business owners—access passive real estate investments and take a more active role in building long-term wealth.

High Income Doesn’t Always Translate into Legacy Wealth

According to the Federal Reserve, the top 1% of U.S. households held over 30% of the nation’s wealth as of 2022—a concentration that continues to grow despite rising incomes across the board. A separate analysis from the Federal Reserve Bank of St. Louis showed that the majority of wealth gains from 2019 to 2022 accrued to those who were already wealthy—further widening the net worth gap.

“Most professionals focus on increasing their income, assuming that’s the path to freedom,” says Cobb. “But income alone doesn’t build wealth—ownership, tax strategy, and consistency do.”

From Overworked to Optimized: A Shift in Strategy

Early in his career, Cobb followed the traditional playbook: save diligently, invest through a financial planner, and trust the system. But as his income grew, so did his taxes, expenses, and reliance on outside advisors.

“I outsourced everything—taxes, investments, planning,” he says. “But I wasn’t seeing the results. Once I took ownership of my education and started investing more intentionally, my net worth began to grow exponentially.”

That shift included learning about alternative investments, particularly real estate syndications. These group investments allow individuals to co-invest in large-scale commercial real estate without the burden of property management.

A Practical Framework for Professionals

Cobb now teaches a four-part framework that he used to turn his own income into scalable, tax-efficient wealth:

• Take Ownership of Your Financial Education - Learn beyond your profession. Even one hour a week of reading, listening to podcasts, or joining investor groups can dramatically improve financial outcomes.

• Invest Consistently with Purpose - Rather than chasing market timing, Cobb recommends investing regularly in vetted opportunities with clear upside—ideally targeting a doubling of capital within five years.

• Reinvest to Accelerate Growth - “Rolling your capital forward while using depreciation and cost segregation helps avoid tax drag,” Cobb explains. “It’s one of the biggest multipliers of wealth.”

• Choose Vehicles That Match Your Goals and Needs - For cash flow, stabilized properties like medical offices provide reliable distributions. For equity growth, value-add deals and development projects often deliver higher long-term returns.

Why Real Estate Works

Real estate became Cobb’s vehicle of choice for several reasons: passive income, tax efficiency, long-term appreciation, and diversification from traditional stock-heavy portfolios.

“You don’t need to be a landlord,” Cobb says. “You just need the right team, the right structure, and the right education.”

Timberview Capital, once a small network of physicians, has grown into a national community of high-income professionals investing in commercial properties across the U.S. As a group, they access better terms, stronger operators, and exclusive deal flow not available to individual investors.

“Our community includes CPAs, real estate attorneys, and industry veterans,” says Cobb. “We’re stronger together—and that’s what accelerates results.”

From High Income to Financial Freedom

Today, Cobb works just one day per week in surgery. The rest of his time is dedicated to helping others build a more intentional financial life—one that prioritizes time, purpose, and generational impact.

“High income is a blessing,” he adds. “But it only creates true wealth when paired with education, consistency, and ownership. That’s the shift that changed my life—and it’s the shift I’m passionate about sharing.”

Tyson Cobb, MD
Timberview Capital
tyson@timberviewcapital.com
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