Year-end planning can help surgeons identify time-sensitive decisions before December 31. Learn how to review 2026 retirement-plan contributions, charitable giving, payroll withholding, and estimated-tax obligations—while recognizing that deadlines and tax treatment depend on your plan, income, and individual circumstances.

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.

Tax-loss harvesting can be more than a year-end strategy for offsetting investment gains. For physicians and other high-income investors with a concentrated stock position, it may be one tool for managing the current tax cost of reducing single-company risk.

This article explains how capital losses may offset realized gains, why wash-sale rules matter, and the investment, tax, liquidity, and state-tax considerations involved in selling a concentrated holding. It also outlines why a diversified portfolio and a tax-efficient strategy should be evaluated together—not as separate decisions.

Most orthopedic surgeons look at tax returns and assume that number is what their practice is worth. In reality, buyers use normalized EBITDA—adjusted for owner pay, personal expenses, and one-time costs—to decide what they’ll actually pay. This article shows how to estimate normalized EBITDA and use it to negotiate from a position of strength.

Most surgeons track collections, not what they actually keep per clinical hour. In this article, I walk through a real‑world style example of a 2.4M orthopedic practice and show how overhead, tax structure, retirement plan design, and debt service combine to create a much lower effective hourly rate than most surgeons expect—and how targeted structural changes can raise that rate without adding a single additional case.

Medicare’s 2.5% efficiency adjustment feels like a small cut with big consequences for orthopedic surgeons. This article walks through why “doing more cases” is often the least efficient response, and how tightening overhead, rethinking income flows, and coordinating tax and entity structure can help protect your practice’s profitability without adding more OR time.