Free Tool — Healthcare Practice Owners

Are you in the right retirement plan?

Most physician practice owners open a SEP-IRA and never revisit it. Depending on your age, entity structure, and net profit, a Solo 401(k) or Cash Balance Plan could shelter two to five times more — and cut your tax bill by tens of thousands of dollars per year.

Prepared by Askia Roberts, CPA (GA Lic. CPA038784) Results emailed instantly — no sales call Based on 2025 IRS contribution limits and plan rules

First name *

Email *

Business entity type *

Your age *

Projected net profit this year (before your salary or retirement contributions) *

Current retirement plan (if any)

Do you have W-2 employees other than yourself?

Results sent to your inbox in minutes. No sales call. No obligation. We don't sell or share your information.

What you get

→ Recommended retirement plan for your setup
→ Estimated maximum annual contribution
→ Estimated federal tax savings at your income level
→ Whether a Cash Balance Plan stacking strategy applies

The December 31 deadline

A SEP-IRA can be funded up to October 15 if you extended. A Solo 401(k) must be established before December 31 — even if funded later. A Cash Balance Plan must also be established by December 31 and requires an actuarial report. Most physicians miss this window by waiting until tax season.

Analysis prepared by Askia Roberts, CPA — Georgia License No. CPA038784. For informational purposes only. Does not constitute tax or financial advice or create a CPA-client relationship. Contribution limits change annually.