Unlocking Your 401(k): The Power of In-Service Withdrawals for Physicians
Learn how in-service withdrawals can transform your retirement strategy by unlocking greater investment flexibility and control while you’re still employed as a physician.
Lump Sum or Pension? A Physician’s Guide to Making the Right Choice
Facing a pension decision? Learn how physicians should evaluate lump sum vs. monthly pension options to maximize retirement security and align with your financial goals.
Sequence of Returns Risk: Why Timing Matters So Much for Your Retirement
Learn how the timing of market returns can dramatically impact your retirement success. Identical portfolios can end with a 13x difference based on when you retire.
Choosing the Right Retirement Plan: SEP IRA vs. Solo 401(k) vs. Defined Benefit Plan
Independent contractor physicians: discover which retirement plan can save you the most. See real examples comparing SEP IRAs, Solo 401(k)s, and Defined Benefit plans.
Should You Hire Your Spouse? The Tax Implications for Physician Practices
As a financial advisor who works exclusively with physicians, I’ve fielded this question countless times: “Should I put my spouse on the payroll of my practice or LLC?” It sounds like an appealing strategy—keeping income in the family while potentially creating tax advantages. However, like many financial decisions, the reality is more nuanced than the internet might lead you to believe.