Plan your income, loans, and next career step
Plan for the jump from training to practice, a new contract, or practice ownership. Nino’s AI software puts loans, income, and savings in one view; optional CPA and CFP services help turn those numbers into a financial and tax plan.
Student debt
Bring loan balances and payment assumptions into your cash plan.
Career transitions
Compare household cash flow before and after a move from training to practice.
Several income sources
Organize salary, contract income, and the records needed for tax questions.
Long-term saving
Explore savings goals alongside debt payments and current expenses.
Decisions to check carefully
These decisions deserve a closer look. Start with the numbers, then get professional help where you need it.
Refinancing choices
Compare current loan protections and program eligibility before replacing a loan. A lower advertised rate is only one factor.
Higher income
Include taxes and new expenses when deciding how much of a raise is available to save.
Income protection
Review insurance needs with a qualified professional. Software projections do not establish coverage or legal asset protection.
Federal and state tax filing is included on every Advisor plan, from $3,600 a year.
Guides for doctors
Read up on these decisions, or run your own numbers.
Tax Strategies for High-Income W-2 Employees
High earners cut their tax bill by coordinating retirement accounts, equity compensation, charitable giving, and the timing of income, not by chasing a single deduction.
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