High income. Higher tax bill. Limited options?
Physicians, attorneys, finance professionals, consultants, and partners face some of the highest effective tax rates in the country. We help reduce the drag with strategies built for complex financial lives.
"I earn $2M annually across W-2 and K-1 income — how can I keep more of what I earn?"
Here's what we typically see.
- Top federal bracket exposure — 37% federal plus state — total marginal rates often exceed 50%.
- Mostly W-2 or K-1 income — Limited deductions and few traditional shelters available.
- Maxed traditional planning — 401(k), backdoor Roth, HSA — already done. Need next-level strategies.
- High-income surtax exposure — Net Investment Income Tax (NIIT) and Additional Medicare Tax stacking on top of regular rates.
- Capital gains exposure — Practice sale, equity stake, or accumulated taxable portfolio creating future tax events.
Strategies built for your situation.
- Ordinary income mitigation
Defined benefit plans, cash balance plans, deferred compensation, and other structures that compress current income. - Tax-aware investing
Direct indexing, long/short SMAs, and tax-loss harvesting to offset gains and reduce drag. - Roth conversion strategy
Multi-year planning to migrate retirement assets to tax-free Roth structures. - Equity & partnership planning
K-1 income optimization, partnership interest planning, and basis management. - Multi-year tax projections
Forward-looking modeling that informs every major financial decision. - Practice sale planning
Pre-transaction structuring for physicians, attorneys, and other practice owners planning to exit.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
Questions we hear from high-income professionals.
- I'm a physician earning $2M and my CPA just files my returns. What am I missing?
- I'm a partner at a law firm with $3M K-1 income. How do I reduce my tax burden?
- I'm a hedge fund PM with carry. How do I structure my comp tax-efficiently?
- I want to sell my practice. How do I prepare?
- My RMDs are about to start and they'll push me into a higher bracket. What do I do?
If This Sounds Like You, Let's talk.
Schedule a 15-minute intro call to find out whether we are a good fit for you.