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WHAT WE COVER
Your Financial Life, Fully Covered
Locum physicians face financial complexity that most advisors aren't built for. Everything here is designed around the way you actually work.
Cash Flow
Managing irregulare income, building reserves, and smoothing out variable pay cycles.
Tax Planning
Quarterly estimates, self employment tax, deductions, and 1099 income strategies.
Insurance
Malpractice, disability, life, and benefits you don't get from an employer.
Retirement Plans
Solo 401(k), cash balance plans, and maximizing contributions without an employer.
Student Loans
Repayment strategy, PSLF eligibility, and refinancing decisions for high earners.
Business Structure
S-Corp election, LLC setup, and how to structure your practice for tax effeciency.
EDUCATIONAL RESOURCES
Tools, Videos & Articles
Planning Tools
Interactive calculators to estimate retirement contributions, tax savings, and planning opportunities
Tax-efficient Retirement Strategies Built for Locum Physicians
RETIREMENT PLAN OPTION
Solo 401(k)
A powerful retirement plan designed specifically for self-employed individuals with no full-time employees.
Higher contribution limits than traditional IRAs
Employer + employee contribution flexibility
Potential tax reduction opportunities
Roth and pre-tax contribution options
RETIREMENT PLAN OPTION
Cash Balance Plan
A defined benefit strategy designed to help high-income professionals dramatically increase retirement contributions.
Potentially contribute $100,000+ annually
Significant tax deduction opportunities
Accelerated retirement savings
Can pair with a Solo 401(k)
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