★★★★★
She is a straight shooter and will deliver what you need to hear with compassion. She is very invested in your family's success, a financial professional you genuinely want on your side.
Rob T.
Practice Owner · California
For Physicians, Surgeons & Attorneys
MicroTax for the
practitioners doing
the work, and getting taxed for it
High-earning licensed professionals at $300K–$1M+. Physicians, surgeons, dentists, partners and senior associates at law firms. Where the marginal rate is brutal, the time to plan is non-existent, and the financial complexity has grown faster than the advice supporting it.
A physician earning $600K in a high-tax state pays roughly half of every top dollar in combined federal, state, and FICA tax, while the only triple-tax-advantaged account in the entire U.S. code sits empty in their plan.
The structural issue is not the rate. It's that nobody on the client's team has the time, mandate, or framework to design around it. A traditional CPA sees the W-2 in February, at which point the year's most consequential planning decisions have already been left undone. MicroTax is built for the audience whose time is the binding constraint and whose financial complexity is materially higher than the bandwidth available to manage it.
Section 01 · Audience
Who this serves
Physicians, surgeons, dentists, attorneys, and other licensed professionals, both employed (W-2) and practice-owning (1099 / S-Corp / partnership), typically earning $300K–$1M+ in primary practice income, often supplemented by locum, consulting, or expert-witness work. The income is reliable, the marginal rate is unforgiving, and the structural complexity has grown faster than the bandwidth available to manage it.
The defining feature is time. The financial situation is materially more complex than that of most W-2 employees: practice entities, partnership structures, malpractice and asset-protection layers, retirement plan stacking, multiple income streams. The available time to address any of it is materially less. Most clinicians and litigators have ten or twelve evenings a year in which they could plausibly think about their financial structure. They use them on patients, cases, or family.
This is the audience for whom proactive planning has to be designed around the absence of available bandwidth, not the presence of it. One call, no prep work, dollar-figure output, or the planning doesn't happen.
Section 02 · Diagnostic
What's typically going wrong
Most of these are not unusual. Each is well-documented, well-understood, and routinely missed, because the planning has to happen in the time the practitioner doesn't have.
Seven recurring problems in this segment
SE tax maxed, no S-Corp election.
1099 contractors and practice owners pay self-employment tax on every dollar of net profit. The S-Corp election typically saves $15K–$25K annually for practitioners taking $250K+ in distributions, and is routinely uncaught by general-practice CPAs.
SEP / Solo 401(k) line blank.
Owners eligible for $60K+ in retirement deferrals routinely contribute nothing because the plan was never set up. The dollars sit in the practice account, taxed at the marginal rate, instead of inside a deferred vehicle.
No defined benefit plan.
For practitioners over 45 with consistent profitability, a defined benefit plan can shelter $200K+ of income annually, frequently the single largest legitimate deduction available to a high-W-2 or practice-owning professional. Almost nobody who could use one, has one.
HSA empty.
Triple-tax-advantaged. Almost universally unfunded in this client population. The only vehicle in the entire U.S. code where contributions, growth, and qualified withdrawals are all tax-free, sitting empty because nobody set it up.
Practice entity unexamined.
The entity that was right when the practice opened is rarely the right entity ten years later. Income has grown; partnership composition has changed; multi-state exposure has appeared. The right restructure typically pays for itself within months.
Asset protection & disability insurance fragmented.
Frequently underbought relative to litigation and disability risk in this profession, occasionally overbought through commission-driven sales. The risk profile of a litigation-exposed specialty deserves a structured response, not an ad-hoc one.
No tax-free retirement vehicle.
401(k) capped, IRA blocked by income limits, brokerage account fully taxable. Nothing in the plan is producing retirement income outside the taxable system, which is exactly what the §7702 TFRA is designed to solve.
Section 03 · The change
What changes under a MicroTax engagement
Seven specific moves, sequenced through the F.A.S.T. Steps method, designed to require minimal time from a practitioner whose calendar is already full.
1
Practice entity review & restructure
Current structure reviewed against the optimal structure for the activity, the income profile, the multi-state exposure, and the partnership composition. Restructure or election filed where indicated.
2
S-Corp election & owner-comp design
Where eligible, S-Corp election filed and owner compensation modelled against payroll tax, retirement contribution capacity, and §199A interactions. Typically $15K–$25K of annual SE tax recovered.
3
Retirement plan stack, Solo 401(k) / SEP / DB
Foundational plan sized to the practice. For practitioners over 45 with consistent profitability, a defined benefit plan layered on top, total annual deferral capacity for the right profile can exceed $300K.
4
Defined Benefit / Cash Balance plan
For the right age and income profile, $200K+ of annual deduction capacity. Typically the single largest legitimate deduction available to a high-W-2 or practice-owning professional. Designed with an actuary, integrated with the 401(k) stack.
5
Asset protection & insurance architecture
Asset-protection trusts and entity structures coordinated with partner attorneys, particularly important in litigation-exposed specialties. Disability and life insurance sized to actual income-replacement need, not to a sales target.
6
§7702 TFRA layered on top
Once foundational and advanced shelters are full, the §7702 vehicle is added for tax-free retirement income outside the qualified-plan ceiling. Particularly valuable for practitioners with high career-end income but limited qualified-plan capacity. What a TFRA actually is →
7
Estate & succession refresh
Estate documents updated to match current income, family, and asset reality. Practice succession plan designed if applicable, buy-sell agreements, partnership exit terms, and continuity provisions.
Section 04 · Outcomes
Indicative year-one outcomes
$50K+
Avg. year-one tax recovery for high-earning practitioners
$200K+
Annual deduction capacity via defined benefit plan
$0 tax
on §7702 TFRA retirement distributions
Illustrative, applicability depends on entity structure, specialty, and owner age/income profile; individual results vary. DB plan capacity depends on actuarial assumptions and consistent profitability.
Section 05 · A client voice
From a clinician who finally had the conversation
Section 06 · Go deeper
Related strategies for licensed practitioners
Service · Flagship
§7702 Tax-Free Retirement, properly explained
The rules, the math, the trade-offs, and who the TFRA actually suits. For practitioners whose qualified-plan capacity is full and whose career-end income is high, the §7702 layer is the vehicle that produces tax-free retirement income outside the system. Read the explainer →
Service · Coordination
The Virtual Family Office model
One advisor, one plan, one relationship, coordinating tax, retirement, asset protection, insurance, and estate. Designed for practitioners whose time is the binding constraint, where everything has to be done by one team without requiring evening calls. How the model works →
Article · Retirement
Defined Benefit plans for high-W-2 professionals
Why the single largest legitimate deduction available to a high-earning practitioner is the one almost nobody who qualifies has set up. The mechanics, the actuarial basics, and the integration with a 401(k) stack. Read the article →