The Capable Wealth Blog

Physician Financial Planning, Retirement Planning For Surgeons Jared Paul Physician Financial Planning, Retirement Planning For Surgeons Jared Paul

Behind on Retirement Contributions? The Payroll Math That Closes the Gap by December 31

Are your 2026 retirement-plan contributions on pace? Learn how surgeons and physicians can review 401(k) payroll deferrals, use the enhanced catch-up contribution available at ages 60 through 63, account for the 2026 Roth catch-up rule for certain higher earners, and coordinate year-end cash balance plan funding.

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Retirement Planning For Physicians, Cash Balance Plans, Physician Financial Planning Jared Paul Retirement Planning For Physicians, Cash Balance Plans, Physician Financial Planning Jared Paul

Cash Balance Plan Check-In: Are You Halfway to $350K in Tax-Deferred Contributions?

A cash balance plan can be one of the most powerful tax‑deferred tools available to a practice‑owning surgeon—but only if it’s funded on schedule. This article walks you through a simple mid‑year pacing check, explains what chronic underfunding can cost in taxes and penalties, and shows how to coordinate your cash balance plan with your 401(k) and profit‑sharing strategy so you stay within IRS limits and keep your largest tax shelter on track.

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Tax Planning For Physicians, Physician Financial Planning, Tax Strategy & Entity Design Jared Paul Tax Planning For Physicians, Physician Financial Planning, Tax Strategy & Entity Design Jared Paul

The Backdoor Roth Window Closes April 15. But the Real Question Is Whether It Still Makes Sense for You.

For years, “just do the backdoor Roth” was default advice for high‑earning surgeons. But after 2025’s OBBBA changes, that rule of thumb can quietly cost you money. This article walks through a simple three‑branch framework to decide when Roth still wins, when traditional and cash balance contributions create more value, and how your state‑to‑state tax trajectory can flip the answer. Before you fund another backdoor Roth on autopilot, model both paths and let the math—not the calendar—drive the decision.

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