One strategy that’s been growing in popularity among our clients is the use of Donor Advised Funds (DAFs) — which let you donate to your favorite causes while optimizing your taxes. It’s a win-win, allowing you to give generously while also saving more money.
At Earned, we’ve always been committed to helping doctors take control of their finances. But as we continue to grow, our brand needed a refresh to reflect where we’re headed. With our newly launched website, we’re making it clearer than ever: we’re not just any financial firm — we’re setting a new standard as the first-of-its-kind, fully comprehensive wealth and tax firm for doctors.
Knowing where to start when planning your estate can be a daunting task. Depending on your career and life stage, how you plan your estate may look very different. Once you break it down, planning your estate doesn't have to be as complicated as you think.
No matter where you are in your career journey, the end of the year is the perfect time to implement tax strategies to help optimize your financial situation.
Earned is proud to announce its inclusion in Newsweek’s prestigious ranking of America’s Top Financial Advisory Firms 2025. This recognition underscores Earned's commitment to providing healthcare professionals and medical practices with industry-leading financial guidance and wealth management solutions.
Tax-loss harvesting is a sophisticated investing strategy that can turn market dips into tax deductions.
As we approach the final stretch of the election, economic uncertainty is top of mind for many high-income earners, especially doctors. This market uncertainty coupled with potential tax rate hikes can add stress to an already demanding life. With headlines stirring emotions, it’s natural to wonder how the presidential election might impact your financial future.
As a physician, it’s safe to say you experience risk differently than most professionals. Umbrella insurance helps cover non-occupation-related liability gaps in your insurance policies.
Thomas Doll, an Earned Wealth Company, is honored to announce its inclusion in the prestigious 2024 CNBC Financial Advisor 100 ranking. With over 60 years in business, Thomas Doll has built a strong reputation for helping individuals and families achieve their financial goals.
In this article, we'll take a look at the insurance policies both doctor employees and private practice owners need to know about.
By roughly employing a handful of key optimization tactics, the plastic surgeon in this hypothetical illustration reduced their taxable income by ~$250,000, which led to ~$136,000 less in taxes paid.
Earned Wealth's Chief Wealth Officer shares how residents should think about disability income.
Summit Partners and Silversmith Capital Partners lead investment to accelerate expansion, beginning with the acquisition of industry leader Thomas Doll.
By diversifying your ability to generate revenue and provide value, you inherently gain more freedom, flexibility, and autonomy regarding your financial future.
Locum Tenens physician work comes with its own set of financial pros and cons that doctors should carefully consider before accepting this kind of temporary employment.
Study after study has confirmed that, even post-vaccine, burnout among physicians and other medical professionals is still prevalent. Now, institutions are looking at AI solutions from new startups to reduce administrative burdens and help reduce doctor burnout.
Discover why partnering with a fiduciary financial advisor for physicians can provide numerous benefits for doctors seeking to manage their wealth effectively.
The FTC issued a final ruling in April 2024 that bans employers from forcing employees into non-compete arrangements as part of an employment contract.
When it comes to doctors’ wealth, there’s a whole world of advisors vying for your attention. Understanding the different types of financial professionals and the value they offer can help you cut through the noise.
As doctors file their income tax returns, sometimes there are tax exemptions and tips associated with ordinary actions that they may not be aware of.
Here are the main things you should take into account when searching for the right medical malpractice insurance policy.
Once a doctor has maxed out their 401k contributions, there are several financial steps they can prioritize.
From student loans to owning a practice, and even lawsuits - physicians have specific needs for life insurance. Find out how to determine how much insurance you need and what type of policy is best for you.
January is a good time to figure out finances for the rest of the year, and maybe the next decade or more. Tax documents arrive, and with them, opportunities to see what adjustments you wish you’d made last year and can make now. It’s also a good time to figure out what you want 2024 to look like.
Due to a recent rule change by the US Department of Education, physicians in California and Texas are now able to apply for public service loan forgiveness (PSLF). Earned explains how this change opens up loan forgiveness options for physicians in these two states.
In the diverse landscape of healthcare systems, employees typically receive retirement benefits, often in the form of standard 401(k) or 403(b) plans with employer matching.
The 1099 vs. W-2 tax classification designates someone as an independent contractor or employee in the workplace. There are pros and cons to each type of designation.
If you are joining the University of California hospital system, or if you’re taking this opportunity to re-evaluate the choices you made last year, Earned Wealth has broken down the retirement plan options available to you during open enrollment.
Earned Wealth CEO John Clendening sat down with Alejandro Cremades for the DealMakers podcast to discuss his bold vision to push the boundaries of what’s possible in the financial services industry.
While more and more employers are offering the after-tax savings accounts to their employees, workers have been slow to incorporate them into their retirement plans. However, many savers — physicians included — could greatly benefit from doing so.
According to a rule instituted in 2020, non-spousal beneficiaries of retirement accounts now must draw down those savings within 10 years — often leaving them with a sizable tax bill. Below, we’ll take a look at what high earners are doing to amend their estate plans and what physicians should consider when leaving money to their children and grandchildren.
Industry experts estimate that at least 37% of American physicians have signed noncompete agreements as part of their employment. While these agreements have typically forced doctors to relocate when taking a new job, a wave of new legislation is poised to change how physicians navigate the industry.
The IRS has announced a two-year reprieve for high earners 50 and older who would've been subject to new retirement saving rules next year. Now slated for 2026, the new law requires these savers to make "catch-up" contributions on an after-tax basis to employee-provided Roth 401(k) accounts.
As the Wall Street Journal reports, those who invested in multi-family buildings are facing mounting debt and adverse market conditions. These investments have become popular with physicians over recent years, posing a possible threat to their portfolio.
Nearly half of working physicians are unsure if they would decide to practice medicine again if given the choice.
There are several proven strategies that can help your physician retirement savings last longer to better ensure a comfortable retirement.
As a physician seeking financial growth beyond the medical field, investing in real estate can be an enticing option. However, it is crucial to approach such investments with caution. Keep reading to learn about the pros and cons of real estate investing for physicians.
Here are five tips to maximize your savings when considering retirement planning for physicians.
How one company is looking to revolutionize finances for physicians. As featured in Healthcare Brew.
Studies often cite career burnout as a driving factor for physician early retirement, but the reasons vary from doctor to doctor and the decision to walk away from full-time work is always a personal one.
More and more high earners are using a retirement saving strategy called the Backdoor Roth. This strategy allows them to fund a Roth IRA account indirectly from other savings accounts. Keep reading to learn about how to do a Backdoor Roth.
The growing wave of medical practice acquisitions by private companies like CVS and Amazon is currently disrupting the healthcare sector. Here’s what today’s physicians should know about the current trend of private equity acquisitions and what to consider if their own practice is ever approached for acquisition.
A physician home loan is a specialized mortgage designed to help physicians overcome the unique financial challenges they face early in their career.
The demands on physicians today can seem overwhelming. It's no secret that healthcare delivery is changing, and those changes are reflected in the state of physician finances every day.
Decreasing compensation, burnout, and pay parity challenges are just a few of the key findings in Doximity and Curative’s new 2023 Physician Compensation Report.
The majority of physicians plan to retire at age 68, much later than the average American. Why is physician retirement often delayed?
Estate planning for doctors is a crucial aspect of financial planning, and it's never too early to get started.
What do physician career changes and NFL players have in common? Well, if it has to do with one person in particular, everything.
Forme Financial, a wealth management platform for physicians, is emerging from beta with a new name and $12 million in Series A funding.
The first-of-its-kind comprehensive wealth system for physicians has launched out of Beta with a new brand and announced a Series A fundraise to expand services and accelerate proprietary technology development
Our goal at Earned is to provide the financial education and advisory that physicians deserve, so we’ve put together a list of the 5 main tips about money management for doctors, so you can learn what they are and how to plan around them.
Tax planning is a year-round process, but as Tax Day on April 18th approaches, it’s important to make sure you have the information you need to file correctly.
We’ve analyzed the nearly 400 pages of the SECURE Act 2.0 to identify what may affect physicians most at different stages of their careers.
As 2023 jumps into gear, you may be thinking about plans and goals for the coming year and beyond. Maybe your plans include financial planning, or maybe one of your goals is to take a look at your financial health and set yourself up for the future.
The end of the year can be a hectic time and likely the last thing you will want to do is take on another to-do list. Earned has compiled 3 things to check before year-end; these items are time-sensitive and may potentially lead to savings.
We share a handful of strategies that can have a huge impact on improving your credit score, paving the way for a more secure financial future.
Earned Wealth's Chief Wealth Officer runs you through how physicians can maximize long-term wealth.
As high earners, physicians typically pay a lot in taxes. Custom indexing and tax-smart technology can help reduce taxes and enable personalization of physician portfolios.
“Compound interest is the 8th wonder of the world. Those who understand it, earn it. Those who don’t, pay it.”
Disability insurance, also referred to as disability income protection, provides a monthly predetermined replacement income should you find yourself unable to work or generate an income.
Rewarded by the IRS and encouraged by financial advisors, owning one’s home has long been celebrated as both the cornerstone of the American dream and the central pillar of lifelong financial security. But is it always the right option?
Recent market fluctuations have left many investors feeling uneasy. At Earned, we understand that as a doctor, your time is valuable and you shouldn’t have to spend it stressing over market swings. Our goal is to provide clarity and confidence, helping you navigate this period of economic uncertainty with a long-term view.
There's no doubt real estate is a popular investment strategy for high-earning doctors – it is often a solid way to diversify your investments, save more for retirement, protect against inflation, and potentially enjoy some tax benefits.
Many doctors and physicians engage in work where they are paid as a contractor rather than as an employee. Learn more here.
Did you know your tax return, Form 1040, tells a story about how to potentially improve your investment strategy and increase after-tax wealth?
As a healthcare professional, you understand the critical importance of protecting sensitive information. This recent security breach highlights the urgent need for proactive measures to secure your financial data.
Financial rules of thumb are popular and generally act as a quick framework or general guideline. They can be a helpful shorthand and some have been derived from historical and collective wisdom that have stood the test of time.
In this guide, we’ll uncover the current state of the DSO marketplace, how to position your practice for a successful DSO transaction, and tax-smart strategies to help you minimize taxes and improve your financial outcomes.
Book a free consultation to see how we can help you minimize taxes and maximize your wealth.
Get Started© 2025 Earned Wealth Advisors, LLC.
165 Lennon Ln, Suite 200, Walnut Creek, CA 94598
Investment advisory services offered through Earned Wealth Advisors, an SEC-registered investment adviser.
