Joining or leaving a medical practice can have major tax, retirement, and cash flow consequences. Without advance planning, you may miss opportunities for valuation negotiation, business structuring, or retirement plan integration.ย We guide you through buy-in assessments, helping evaluate whether equity ownership makes sense and how to finance it. For practice exits, we model out transition income, tax mitigation options, and estate considerations. Whether itโs a solo practice sale or a merger with a hospital network, our planning ensures your next chapter starts on solid financial ground.
Physicians carry a uniquely high risk of litigation, whether from malpractice claims or business-related exposure. Even with insurance, your personal assets can be vulnerable without proper structuring. We design layered asset protection strategies that may include liability insurance audits, proper titling (e.g., tenancy by entirety for married couples), irrevocable trusts, and LLCs for rental or [...]
Income volatility is common in fields like emergency medicine, anesthesiology, and those who contract with multiple facilities. This makes budgeting and saving more difficult without a plan. We help smooth out financial instability through a structured approach to income planningโcreating automatic allocation systems for necessities, taxes, and investment. We can also implement cash reserve tiers [...]
Physicians often reach high earning potential quickly, but with limited time to manage their finances. Their investment plans must account for tax exposure, limited employer retirement options, and long-term career demands. We build tax-aware, low-cost portfolios that take advantage of all available deferral strategies, including 401(k)s, Backdoor Roth IRAs, HSAs, and Defined Benefit Plans for [...]
Many physicians begin their careers with substantial student debt while also facing pressure to start investing and saving for retirement. The key is to balance debt reduction with long-term wealth accumulation. We develop personalized cash flow strategies that prioritize high-interest loan repayment while allocating funds to tax-advantaged investment accounts. Depending on your income, loan type, [...]