Your wealth, fully managed for doctors
A flat-fee CPA and financial planner team that gives you personalized, holistic advice across your taxes and financial plan. We plan your income, loans and retirement savings from training through practice ownership, and file your returns.
What we handle for doctors
A late start on income, a large loan balance and a fast rise in salary. This is the work we do with you.
- 01
The jump from training
When an attending salary replaces a resident’s, we decide in advance how much goes to loans, savings and lifestyle, before spending rises to meet it.
- 02
Student loans in the cash plan
We bring loan balances and payment terms into your cash plan. Compare a refinance offer with the protections and program eligibility you would give up; the rate is only one factor.
- 03
Every retirement account you have
If your employer offers both a 403(b) and a 457, each has its own $24,500 limit in 2026, as do 401(k) plans. We decide which to fill and in what order.
- 04
Backdoor Roth contributions
Above $168,000 single or $252,000 joint you cannot contribute to a Roth IRA directly. A backdoor Roth works, but any pre-tax IRA balance makes part of the conversion taxable.
- 05
Moonlighting and contract income
1099 income has no withholding. Your CPA prepares the Schedule C, sets quarterly estimates, and checks whether a SEP IRA or Solo 401(k) shelters part of it.
- 06
Practice ownership
Buying into a practice adds a business return and a reason to revisit pay, retirement plans and insurance. Business and personal filing is included on the Premier plan.
How Nino helps doctors
Your schedule leaves little time for money, so the work has to come to you. On an Advisor plan your financial planner and CPA build the plan, file the returns and meet with you each quarter, and Nino’s AI software keeps the numbers current in between.
Book a free consultation-
A plan in your first two weeks
Your financial planner and CPA map your income, loans, benefits and goals into one tax and financial plan, then revisit it when a contract, a move or a new role changes it.
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Your return, prepared and filed
Your CPA prepares your federal and state returns, including Schedule C for side income and Form 8606 for a backdoor Roth. Nothing is filed until you approve it.
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Answers between shifts
Ask Nino’s AI about your own numbers, such as how much a raise leaves after tax or how long until a loan is paid off. Connections are read-only and never move money.
What should doctors decide early?
Four choices that compound across a long career.
How much of a raise to keep
A higher salary moves you into higher brackets and can phase you out of deductions and Roth eligibility. Plan the after-tax raise before committing to a larger home or car.
Roth or pre-tax
In training, Roth contributions are often cheap. In peak earning years, pre-tax contributions save tax at your top rate. Catch-up contributions must be Roth once prior-year wages from that employer top $150,000.
Pre-tax IRA balances
Rolling an old pre-tax IRA into a workplace plan can keep a backdoor Roth clean, because the pro rata rule counts traditional, SEP and SIMPLE IRA balances on December 31 but not workplace plans. See backdoor Roth.
Income protection
Your ability to work is your largest asset early on. Review disability and life insurance needs with a licensed professional; your plan shows what the household would need if income stopped.
Pick your plan
Every Advisor plan includes a CPA and financial planner team, federal and state tax filing, and our Ultra software.
Essential
- Everything in Ultra software, plus:
- A dedicated CPA and Financial Planner team for you
- Single-filer return, quarterly taxes included
- Retirement & equity planning
- Quarterly advisor access
- Rentals
- 0
- K-1s
- 0
- States
- 1
- Brokerage
- 3
Plus
Most Popular- Everything in Essential, plus:
- A dedicated CPA and Financial Planner team for you and your spouse
- Married filing jointly return, international coverage included
- One coordinated plan for both of you
- Quarterly and ad hoc advisor access
- Rentals
- 2
- K-1s
- 5
- States
- 3
- Brokerage
- 5
Premier
- Everything in Plus, plus:
- Business bookkeeping and tax filings, priced by complexity
- Joint or single return, complex international coverage
- Advanced equity & estate planning
- Priority advisor access
- Rentals
- 5
- K-1s
- 10
- States
- 5
- Brokerage
- 10
Software plans starting from $20 a month
Our AI financial assistant on its own, with a 7-day free trial.
Guides for doctors
Read up on these decisions, or run your own numbers.
Tax Strategies for High-Income W-2 Employees
A W-2 earner can't deduct against wages. The tax levers are payroll forms: the W-4, 401(k) and mega backdoor elections, HSA and FSA picks, equity, and deferred comp.
Read guideBackdoor Roth IRA for High Income
A backdoor Roth stays open at any income. What decides the tax bill is the order of the two steps, the month they happen in, and what else sits in your IRAs.
Read guideMega Backdoor Roth 401(k)
Before you fund a mega backdoor Roth, answer three questions: how much to contribute, when to convert, and whether you have cash on hand for taxes.
Read guideHow Much of Your Paycheck Should You Save?
The usual answer is 15% to 20% of pay. High earners usually need more, because Social Security replaces less of a large salary. Here is the order to save in.
Read guideRetirement Calculator
Estimate retirement income, how long savings could last, and any funding gap.
Open calculatorRoth IRA Calculator
Estimate your income-based Roth IRA limit and compare long-term account growth.
Open calculator