Financial Advisor and CPA for Pharmacists

Yes, if you work full time as a direct employee of a government or 501(c)(3) employer, such as most nonprofit hospitals, and make 120 qualifying payments on Direct Loans. The payments do not need to be consecutive. Retail chains and other for-profit employers do not qualify, and the forgiven balance is not taxable income.

Only overtime the Fair Labor Standards Act requires, and only the premium above your regular rate, up to $12,500 a year or $25,000 joint, reduced above $150,000 of modified AGI or $300,000 joint. Most salaried pharmacists are exempt from FLSA overtime, so their extra-shift pay does not count. Hourly pharmacists paid time and a half may qualify. See what changed for 2026.

Yes. Contribute to a traditional IRA, up to $7,500 in 2026, and convert it to Roth. If you hold other pre-tax IRA money on December 31, part of the conversion is taxable under the pro rata rule, which rolling that money into your workplace plan can avoid. See the backdoor Roth guide.

Each employer withholds as if it were your only job, so your combined withholding can come up short; your CPA checks it before year end. Your 401(k) and 403(b) deferrals share one $24,500 limit across both employers, and Social Security withheld above the $184,500 wage base across jobs comes back as a credit on your return.

Essential, from $3,600 a year, covers one person with a federal and one state return. Plus, from $4,800 a year, adds joint filing and up to three states. Premier adds business bookkeeping and business filings for a pharmacy owner, priced by complexity. Compare the Advisor plans.

Unlike traditional wealth managers, Nino never takes control of your investments. You retain full ownership and decision-making authority. Your financial planner helps you decide what to hold in each account, with no percentage-of-assets fee. See investment planning.