Tax Efficient Planning

Most physicians are not saving efficiently for retirement. 

Why Choose A Tax Efficient Plan?

The primary disadvantage of being highly compensated is the extra income tax burden. Along with this comes the pressure of finding the right tax pro. Strong financial plans should include strategies designed to minimize your tax liability and make sure you are not making any mistakes with your tax returns.


Physicians routinely have their taxes filed with the advice of a CPA or accountant that primarily focuses on what you cannot do, rather than what you can do. Getting the help you need to properly navigate the changing tax code is what you’re paying for and shouldn’t be limited to just reacting to what happened last year. There should be a proactive plan that is personalized to your unique financial situation, goals, and level of risk tolerance. 


With all the options out there, our approach makes what seems complex simple. You define your goals and we help you reach them in conjunction with lowering your tax liability wherever legally possible.

Opportunities ​

A key distinction of our financial planning advisors and process is the ability to match the best tax planning options available in the current tax code to your situation. Ones that give you the highest probability of reaching your goals while requiring the lowest amount of funding

Tax Conscious Investing

While they do exist, it is rare to find physicians who are also tax professionals. The nature of the progressive income tax system requires physicians to be extra careful on how they save and file their tax returns. Mistakes can be subject to a 50% penalty for up to three years where income is not reported correctly.

Take a look at the list below and see if any of them would be applicable to you. They may signal the need for an income tax assessment to address your tax burden and verify you are not overly exposed to an income tax audit.

• You have excess cash flow that could be sheltered from additional taxation

• Your employer-sponsored retirement plans are limiting how much you can save each year

• Your retirement plan is primarily comprised of contributing toward the employer-sponsored program and you may not have much additional funding available to save for retirement.

• You have a significant amount already accumulated within a pre-tax retirement plan or down the road you will. Therefore, you’ll need to minimize the impact of 100% of your distributions being subject to the ordinary income tax which is the highest rate.

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Tax-deductible contributions

Tax-deferred earnings

Tax-advantage withdrawals and/or income

No required withdrawals

No IRS penalties for early withdrawals

No contribution limits

No administrative fees

Potential competitive rate of return

Ideal Investment
Non Existent


Brokerage Account

Pre Tax

401(k),  403(b), 

 457(b), Traditional IRAs

Post Tax

Roth 401(k),  Roth 403(b),  
Roth 457(b), Roth IRA

Tax Efficient 

Private Pension

Which plan is right for you?

Every investor’s situation is different. Oftentimes it makes sense to use a combination of these options when it comes to retirement planning. 

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Every physician household we serve gets to have an income tax assessment and a tax efficient strategy