Financial Advisor and CPA for Veterinarians
A flat-fee CPA and Financial Planner team that gives you personalized, holistic advice across your taxes and financial plan. We plan your production pay, school loans, relief income and practice sale, and file your returns.
What we handle for veterinarians
Vet school debt is large next to what the profession pays, so every pay, loan and practice decision runs through the same budget.
- 01
Production pay
Many associates are paid the greater of a base salary or a percentage of production, and some contracts carry a negative accrual that a slow quarter has to earn back. True-ups often arrive as bonuses withheld at a flat 22%, which can leave tax due in April.
- 02
Relief work on a 1099
Relief shifts are self-employment income on Schedule C, with no withholding. You owe 15.3% on 92.35% of the profit, with Social Security stopping at the 2026 wage base of $184,500 after any W-2 wages. Your CPA sets quarterly estimates for it.
- 03
Retirement saving on relief income
A Solo 401(k) can shelter relief profit, but your $24,500 employee deferral for 2026 is one limit across every plan, including an employer’s 401(k). The employer share comes from your relief profit, and the Solo 401(k) has its own $72,000 total.
- 04
Vet school loans on RAP
The Repayment Assistance Plan charges up to 10% of AGI, less $50 a month per dependent, with a $10 minimum; unpaid interest is waived and the rest is forgiven after 360 payments. That forgiveness is federally taxable for discharges after 2025.
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Asset or stock sale
Consolidators usually prefer to buy assets, for new depreciation and goodwill amortized over 15 years; owners usually prefer stock. In an asset sale, equipment gain up to past depreciation is ordinary income and goodwill is capital gain. We compare offers after tax.
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Earn-outs and your contract
An earn-out paid on the practice’s results is part of the price and can be reported as it arrives. One tied to you staying on as a vet can be taxed as pay instead. Read the earn-out and the employment agreement together.
How Nino helps veterinarians
Consolidator offers, loan plans and relief work each come with their own advice, usually from someone selling one of them. On an Advisor plan your financial planner and CPA put them in one plan and file the returns that report them.
Book a free consultation-
A plan in your first two weeks
Your financial planner and CPA build a plan from your returns, your pay contract, your loan servicer’s figures and your goals, then revisit it every quarter and whenever an offer arrives.
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Returns that match the plan
Your CPA prepares your federal and state returns, with Schedule C for relief work, and sets your quarterly estimates. The AGI on that return drives your RAP payment, so the two are planned together. Nothing is filed until you approve it.
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Loans and accounts in one view
Nino’s AI software connects your accounts read-only, so you can ask what a relief shift adds after tax or how a lower loan payment changes your savings this year.
What should veterinarians decide early?
Four choices that decide how much of your pay, and of a practice sale, you keep.
Whether to file separately
On RAP, married filing separately leaves your spouse’s income out of the payment. It can also cost more tax than it saves on the loan, so your CPA runs the household both ways each year before you choose.
Whether to work toward PSLF
Public Service Loan Forgiveness cancels the balance tax-free after 120 qualifying payments on Direct Loans while you work full time, as a direct employee, for a government or 501(c)(3) employer: a university hospital, a shelter, a public agency. Private practice does not count.
Consolidator or private buyer
A consolidator usually pays part of the price in cash, part in rollover equity and part in an earn-out. An associate buying you out often needs you to finance part of the price. Compare what each leaves after tax and how long each keeps you working.
How much equity to roll over
Rollover equity can defer tax on that share if it is structured as a contribution to a partnership or a qualifying corporate exchange; otherwise it is taxed like cash. It also concentrates your wealth in one buyer, so we size it against the rest of your plan.
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 veterinarians
Read up on these decisions, or run your own numbers.
Solo 401(k) vs SEP IRA
A Solo 401(k) beats a SEP IRA at most incomes because it adds a $24,500 employee deferral and catch-ups. See the 2026 math at $60K, $150K, and $300K.
Read guideA Tax and Cash Checklist for an Equity Liquidity Event
Before a tender offer, IPO-related sale, or acquisition, identify the taxable event, reserve cash, and reconcile your stock records.
Read guideManaging a Windfall
How much of a windfall you keep depends on where it came from. Classify it, reserve for the tax, then pay down debt, hold cash, and invest the rest.
Read guideTax and Financial Deadlines for 2026 and Early 2027
Every date from October 2026 to April 2027: estimated taxes, December 31 moves, tax forms, IRA and HSA deadlines, and the life-event clocks that run on their own.
Read guideBonus Tax Calculator
Compare the 22% federal withholding on a bonus with the tax it actually adds at your brackets, and what you may owe in April.
Open calculatorSEP IRA Contribution Calculator
Estimate your 2026 SEP IRA maximum as a sole proprietor or S corp owner, the federal tax it saves, and the Solo 401(k) alternative.
Open calculator
More people we work with
See how our CPA and Financial Planner team helps people in situations like yours.