High-Income Professionals
The career is working. Is the plan?
For physicians, attorneys, consultants, and senior professionals whose careers are producing more than their current financial structure is built to handle.
§ 01 / Opening
High income. Higher complexity.
High-income professionals share a specific kind of financial complexity. The income is strong, but the time to manage it is scarce. The tax exposure can be significant. The window to compound is often shorter than the income suggests — careers that started in training mean accumulation years don't begin until later. And for most of them, the tools available are limited to what fits a W-2 life, which makes strategy matter more, not less.
The planning we do for high-income professionals is built around that reality. Multi-year tax-planning strategy, coordinated with your CPA. Retirement and deferred compensation vehicles structured for someone paying in top brackets. Asset protection architecture planning for professions that carry real liability exposure. And a cash flow framework geared towards turning strong income into an intentionally designed wealth plan instead of scaled-up spending.
§ 02 / The Work
Six capabilities. Built for your situation.
Multi-year tax planning.
High-income professionals typically face every major surtax in the code: NIIT, AMT, additional Medicare, limited itemized deductions, phased-out credits. We coordinate with your CPA on multi-year modeling so that income timing, deduction planning, and entity structure are working together — not against each other.
Retirement plan architecture.
Solo 401(k)s, cash balance plans, defined benefit plans, backdoor Roths, mega backdoor Roths. For self-employed professionals and partners, we work with your plan administrator to build retirement structures that actually match your income — not defaults from a decade ago.
Investment management.
Portfolios built around your tax bracket, your asset location opportunities, and your time horizon. Tax-loss harvesting, asset location strategy, and concentration management built into the process — because what you keep after taxes is what funds your life.
Insurance and risk review.
Disability insurance, life insurance, umbrella liability, practice-specific malpractice — reviewed in the context of your broader financial plan and coordinated with licensed insurance professionals. High-income professionals often carry coverage that was set up early in a career and never revisited. We help identify gaps in the planning picture and coordinate with your insurance advisors on the work that falls to them.
Estate and legacy planning.
Trust architecture planning, beneficiary coordination, asset protection review, and the governance that supports your plan through life's transitions — working alongside your estate attorney.
Ongoing coordination.
Your career isn't static. Compensation changes, partnerships evolve, practices grow. The plan evolves with them. We stay in sync with your CPA, your attorney, and your practice advisors so the architecture keeps holding together as your career unfolds.
§ 03
The career is producing. The plan has to keep up.