Remote Tax Planning For
Physicians Nationwide.
You started earning late. You have massive student loans. You work 60+ hours a week. We are your dedicated financial team, helping you navigate the complex transition from "Resident" to "High-Net-Worth Attending." Start with our Tax Planning Playbook, explore our locum tenens tax guide or real estate for physicians, and see our services to learn how we work with doctors nationwide.
Where Are You On The Curve?
Most physicians we work with fall into one of these specific career stages. Select yours to see your specific tax playbook.
Residents & Fellows
Low income now, high income later. The perfect time for Roth Conversions and PSLF filing strategy.
Employed Attending
Trap: High W-2 taxes. Solution: Spousal REPS, Short-Term Rentals, and "buying" deductions. See our W-2 planning guide.
Side Gigs (1099)
Surveys, expert witness, consulting. Turn "hobby money" into a Solo 401(k) shelter.
Locum Tenens
Full-time traveler? We handle multi-state taxes and S-Corp structuring. Read our tax home guide.
Practice Owner
You own the equity. We optimize entity structure, Cash Balance Plans, and partnership buy-ins/outs.
Smarter Student Loan Strategy
Most tax preparers ignore your student loans. We integrate them into your tax plan. The decision to file Married Filing Jointly vs. Separately can swing your loan payments by thousands of dollars a month.
PSLF Optimization
We analyze if you are on track for Public Service Loan Forgiveness and ensure your tax filing status lowers your monthly obligation without costing more in taxes than you save in payments.
IDR / SAVE Plan Analysis
Income-Driven Repayment plans are complex. We model scenarios to see if switching plans or reducing Adjusted Gross Income (AGI) can lower your payment tier.
The "Marriage Penalty" Logic
Loan payment based on combined household income.
Loan payment based on YOUR income only, ignoring high-earning spouse.
*We calculate if the tax savings of filing jointly outweigh the $16,800/year savings in loan payments. (Hint: Often, they don't.)
The Power of 1099 Income
Even a small amount of 1099 income (Moonlighting, Expert Witness work, Medical Surveys) changes the game. It opens the door to business deductions that W-2 employees can't touch. See our complete physician tax deductions guide for the full list.
- Solo 401(k) / SEP IRAShelter up to $72,000+ (2026 limits) of income, creating a massive tax deduction. Compare options in our retirement plans guide.
- "Augmented" Business TravelCombine a CME conference with a family trip? If structured correctly as a business trip, substantial costs become deductible. Read the business travel guide.
- Home Office DeductionUse a dedicated space for charting or telemedicine? You might deduct a portion of your mortgage interest, utilities, and repairs. See the full home office guide.
*Simplified example. Try our full calculator for personalized results.
Private Practice Optimization
Ownership changes the rules completely. You are no longer just an employee; you are a business. This unlocks the most powerful tax strategies available in the code. Our entity structure guide walks through every option.
Entity Selection (S-Corp vs LLC)
We analyze the tax savings of an S-Corp election versus the administrative cost. For many practices netting over $100k, an S-Corp can save thousands in Medicare/Social Security taxes.
Cash Balance Plans
Ideally suited for partners in profitable groups. This "Pension Plan" allows you to contribute $200k-$300k+ annually PRE-TAX, on top of your 401(k) max. Compare all options in our retirement plans guide.
The "Augusta Rule"
Rent your personal home to your medical practice for board meetings or staff retreats for up to 14 days a year. The business gets a deduction, and you receive the rental income tax-free. Set up a proper accountable plan to make it airtight.
Dual-Physician W-2 Household
Cardiologist & Pediatrician
Challenge: $800k combined W-2 income. Zero time to manage active businesses. Massive tax bill.
Solution: We identified one spouse was cutting back to 0.6 FTE. We structured a "Spousal REPS" strategy where the part-time spouse managed a portfolio of 3 short-term rentals. This unlocked $250k in paper losses to offset their clinical W-2 income. Read more about physician real estate investing.
Locums with 6 States
Emergency Medicine Doc
Challenge: Working in TX, CA, NY, and FL. Getting double-taxed and missing deductions.
Solution: We centralized billing through a Wyoming S-Corp. We implemented an Accountable Plan to reimburse travel/meals tax-free. We properly apportioned income to avoid double taxation on the NY/CA returns. See our locum tenens tax home guide.
Physician Tax Playbooks
Detailed guides for every physician career stage and financial situation.
Physician Tax Guide
18 in-depth guides covering every aspect of physician tax planning. From deductions and business structure to retirement planning and audit protection.
Tax Deductions & Write-Offs
Maximize every deduction available to physicians
Business Structure
Choose the right entity and employment structures
Retirement & Wealth Building
Shelter income and build long-term wealth
Real Estate Strategies
Use real estate to offset physician W-2 income
Compliance & Planning
Stay compliant and plan proactively
Tools & Resources
Interactive calculators and planning tools
Not Sure Where to Start?
Download our Physician Tax Planning Playbook for a step-by-step framework, or use the Physician Tax Calculator to estimate your savings. Then book a call to put it into action.
Book a Physician Tax Strategy CallPhysician Tax FAQ
Common questions about W-2s, 1099s, and student loans. For deeper answers, explore our tax deductions guide or S-Corp election guide.
Have another question?Stop Overpaying The IRS.
You worked hard for your license. You work hard for your patients. Let us work hard for your wealth.