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."
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.
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.
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.)
Protecting What You Build
You are a high-target profession for lawsuits. Malpractice insurance is just the first line of defense.
Beyond Initial Coverage
Most physicians have malpractice caps. What happens if a judgment exceeds that cap? We advise on Personal Umbrella Policies and ensure your personal assets aren't "low hanging fruit."
Titling Assets Correctly
Owning a home or investment account in your own name is risky. We refer to attorneys to help title assets in production-friendly entities or Tenancy by the Entirety (in applicable states) to add a layer of legal separation.
Domestic Asset Protection
For high-net-worth physicians, Domestic Asset Protection Trusts (DAPTs) in states like Nevada or Delaware can offer superior shielding. We coordinate with trust attorneys to ensure tax compliance for these vehicles.
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.
- Solo 401(k) / SEP IRAShelter up to $69,000+ (2024 limits) of income, creating a massive tax deduction.
- "Augmented" Business TravelCombine a CME conference with a family trip? If structured correctly as a business trip, substantial costs become deductible.
- Home Office DeductionUse a dedicated space for charting or telemedicine? You might deduct a portion of your mortgage interest, utilities, and repairs.
*Simplified example. Actual results vary.
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.
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. It's a massive tax shield for high earners.
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.
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.
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.
Stop Overpaying The IRS.
You worked hard for your license. You work hard for your patients. Let us work hard for your wealth.