Retirement planning for orthopedic surgeons is about more than account balances and practice succession. Learn how thoughtful financial planning, estate considerations, and a clear vision for life beyond full-time practice can support a more intentional transition.

Roth conversion advice is usually written for retirees near the IRMAA threshold, not for surgeons earning seven figures. At your income level, Medicare surcharges are often already maxed out, which means IRMAA isn’t the variable that should drive your decision. Instead, the real leverage comes from understanding where today’s 37% tax bracket meets your expected retirement tax rate and how the SECURE Act’s 10‑year rule changes what your heirs inherit. In this article, we walk through a practical framework—and a worked example—for deciding when conversion, deferral, or partial conversion makes the most sense for high‑income physicians.

June looks quiet on the calendar, but it is one of the most important months for surgeon practice owners to reassess taxes and cash flow. In about 30 minutes, you can review income pacing, estimated payments, retirement plan funding, and household liquidity before the June 15 deadline. That midyear “audit” turns vague concern into one clear decision, so the rest of 2026 feels planned instead of reactive.

Most surgeons get second opinions in the OR, not in their financial lives. This article shows how a coordinated review of entity structure, retirement plan design, tax strategy, and investments can uncover six‑figure opportunities hiding between your CPA, advisor, and attorney.

Most surgeons move on after filing taxes, but the months between April 15 and year-end can be the most important planning window of the year. This article explains four high-impact moves—S-Corp salary review, cash balance plan setup, entity structure evaluation, and Roth conversion analysis—and why acting earlier creates more options