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Tax & Financial Planning for
Financial questions can become complex fast.
A career in healthcare can provide a strong income and valuable benefits, but it also brings financial decisions that aren't always straightforward.
From retirement plans and changing compensation to career transitions, contract work, taxes, and long-term financial planning, I help pharmacists and other healthcare professionals understand how the pieces fit together.
Before becoming an Enrolled Agent, I was a pharmacist. I understand the profession because I've lived it.
A Good Income Doesn't Make the Decisions Simple
Pharmacists often spend years focused on school, licensing, and building a career before having much time to think about the financial decisions that come with it.
Then the questions start accumulating.
How much should I be contributing to my retirement accounts?
Should I use Roth or pre-tax contributions?
What should I do with an old employer plan?
How does changing employers affect my benefits?
What happens if I pick up per-diem or contract work?
Am I saving enough?
Can I afford to cut back my hours?
When could I realistically retire?
These questions don't exist independently. Income, taxes, benefits, investments, debt, family priorities, and retirement planning all interact.
Financial Decisions Throughout Your Pharmacy Career
Building Your Career
Student loans and debt priorities, establishing emergency savings, understanding employer benefits, retirement contributions, Roth versus pre-tax decisions, HSAs, and beginning to invest.
Growing & Adjusting
Higher income, maximizing retirement opportunities, changing employers, multiple retirement plans, per-diem income, family priorities, home purchases, education funding, investment taxation, and building wealth outside retirement accounts.
Preparing for What's Next
Determining whether you're financially prepared to retire or reduce hours, retirement-account strategy, Roth conversions, Social Security and Medicare considerations, tax-efficient withdrawals, and transitioning from earning a paycheck to using the assets you've accumulated.
How I Help
Tax Preparation
Preparation of your individual return with attention to the planning opportunities and issues revealed by it.
Your tax return is more than a set of forms. It's also an opportunity to understand what's driving your tax situation and identify issues worth addressing in the future.
As an Enrolled Agent, I approach tax preparation from a tax specialist's perspective. I prepare individual returns with particular attention to situations involving pharmacists, healthcare professionals, real estate investors, and small-business owners.
My preparation service includes:
Individual federal and applicable state income tax returns
Self-employment and small-business returns
Rental real estate and investment activity
W-2, 1099, and other income sources
Retirement accounts and investment income
Tax situations that require coordination across multiple areas
I also want you to understand what your return is telling you — including items that may deserve attention before the next tax year.
Interested in tax preparation?
Focused Planning Sessions
For a particular decision — retirement contributions, Roth conversions, a career transition, retirement readiness, education funding versus retirement, or another significant tax or financial question.
These focused sessions are designed for significant decisions that go beyond a routine tax question.
Tax & Retirement Account Strategy
Evaluate retirement contributions, account types, income levels, and other tax considerations as your career and compensation change.
Wealth Accumulation Planning
As you get started or into the middle of your career, you may need some guidance as to how to put all the pieces of your financial life together. We can dive into student loans, emergency funds, retirement accounts, HSAs, home buying, and other aspects of your personal finances.
Starting a Real Estate Portfolio
Have you thought about investing in real estate but don't know where to begin? Let's build a plan so you can start your own real estate portfolio.
Roth IRA Conversion Strategy
As you get closer to retirement, you may want to convert your retirement plans into a Roth IRA to minimize taxes in retirement. We can review your holdings and determine the best strategy to make that happen.
Other Significant Financial Decisions
Not every important question fits neatly into a predefined category. If you're considering a significant financial decision and aren't sure how the tax pieces fit together, that's something we can discuss.
Interested in scheduling a session?
Ongoing Financial Consulting
For people who want an advisor they can turn to throughout the year as questions and decisions arise, without handing over their investment portfolio.
Some clients don't want a traditional investment manager or a large financial-planning firm where they're treated like a number. They want someone they can turn to when an important financial question comes up.
Ongoing consulting provides a continuing relationship for working professionals, pre-retirees, and retirees who want a knowledgeable sounding board throughout the year.
Depending on your situation, conversations may involve:
Tax planning and tax-related decisions
Retirement account strategy
Real estate decisions
Debt and financing considerations
Home purchases
Education planning
Business and income decisions
Other financial questions that intersect with your tax situation
I don't manage investment portfolios or sell financial products. My role is to help you understand the issues, evaluate the alternatives, and connect individual decisions to the broader financial picture.
Interested in ongoing financial consulting?
I Understand the Profession From the Inside
Before working in tax and financial planning, I was a Pharmacist.
I've worked in the profession, understood the compensation and benefits, and experienced the decisions that come with building a financial life around a healthcare career.
Today, I combine that experience with my experiences as an Enrolled Agent, Property Manager, and former Investment Adviser/RIA to provide real-world tax, retirement-planning, investment, and real-estate knowledge.
That doesn't mean every Pharmacist has the same financial situation. It means you don't have to spend half the conversation explaining the profession before we can start discussing the actual question.
Not a Pharmacist?
I also work with other healthcare professionals facing many of the same tax and financial decisions.
While my firsthand healthcare experience comes from pharmacy, many of the issues surrounding compensation, employer retirement plans, career transitions, contract income, taxes, and retirement planning extend across healthcare professions.
A Different Approach
You don't necessarily need someone to manage your investments in order to benefit from financial advice.
I don't manage investment portfolios or sell insurance or investment products. My role is to help you understand your options, evaluate the tax and financial considerations, and make informed decisions.
Sometimes that means answering a specific question. Sometimes it means helping you think through several interconnected decisions. And sometimes it means being someone you can turn to as your financial life changes.
Have a Question?
Tell me what's going on, and I'll help determine whether one of these services is the right fit.
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