Healthcare Practice
Your practice is your biggest asset. Let's treat it that way.
Practice ownership creates financial complexity that most advisors are not equipped to handle. We are built for it. We advise physician-owners on entity structure, retirement plans, buy-ins, and personal/business integration.
Who This Is For
Three stages where getting this right matters most.
Practice ownership looks different at every stage. The financial decisions you face starting a practice bear little resemblance to the ones you face 10 years in. We advise across all of them.
Starting a Practice
You are building from scratch. Entity selection, business banking, payroll, retirement plan design, and compensation structure all need to be right from the beginning. Getting them wrong is expensive to fix.
Joining a Partnership
An offer to join an existing partnership is complicated. What does the buy-in require? What is the compensation model? What does the buy-sell agreement say? We review the financial terms and ensure you understand exactly what you are agreeing to.
Buying Into an Existing Practice
Buying partnership equity requires capital, a clear valuation, and a financing plan. We help you evaluate the deal, structure the acquisition, and integrate the business investment into your personal financial plan.
Key Financial Decisions
The decisions that define your practice finances.
Each of these areas carries significant financial consequences. We advise on the trade-offs, model the numbers, and coordinate with your CPA and attorney to implement.
Entity Selection
S-Corp, LLC, PLLC, sole proprietorship: the right structure depends on your state, your partners, your income level, and your long-term goals. An S-Corp election can save $10,000–$20,000 per year in payroll taxes for high-income physicians, but it comes with administrative overhead. We model the real trade-offs.
Practice Retirement Plans
As an owner, you control the plan design. A solo 401(k) allows up to $69,000 in annual contributions. Add a defined benefit or cash balance plan and high-income physicians can shelter $150,000–$300,000+ per year from taxes. We design the plan that maximizes your deferral within your budget.
Buy-Sell Agreements
What happens if a partner dies, becomes disabled, or wants to leave? A buy-sell agreement funded with life and disability insurance is the mechanism that keeps the practice intact. We review and coordinate the financial side so the agreement reflects everyone's actual intentions.
Compensation Structure
Owner-physicians often pay themselves suboptimally. Either too much W-2 (excess payroll tax) or too little (triggering reasonable compensation issues). We model the optimal salary-to-distribution split and coordinate with your CPA.
The Full Picture
Practice and personal finances don't live in separate silos — and your advice shouldn't either.
Most advisors handle personal finance. Most accountants handle business taxes. Almost no one integrates both. We do, because the decisions you make in each domain directly affect the other.
One coordinated plan
Your financial plan covers both your personal wealth and your business, updated annually as both evolve.
CPA coordination
We work directly with your CPA so your tax strategy and financial plan are always in sync.
Specialist referrals
Healthcare attorneys, practice consultants, and valuation experts. We connect you to the right people.