Posts by Daniel Jeffry Rivera
Using Silver in a Diversified Plan: A Tax-Smart Rebalancing Playbook for High Earners
You probably didn’t wake up thinking, “Today feels like a silver day.” Most people don’t. But if you’re a physician or high-income medical professional, you’ve probably had this moment: your portfolio drifts, stocks run up, cash sits too long, or one part of your plan quietly grows into a bigger risk than you meant. And…
Read More1099 vs W-2 for Physicians: When Contract Work Pays More (and the Income Range Where It Starts to Make Sense)
You probably already feel it. Your income looks high on paper, but the levers you can pull feel… weirdly limited. You work hard. You earn well. Yet taxes, benefits, and payroll rules can make two jobs with the same “salary” feel nothing alike. That’s where the whole 1099 vs W-2 question starts. A W-2 job…
Read MoreS-Corp Owners: Automate Payroll, Owner Pay, and Reimbursements the Right Way
If you’re an S-Corp owner and a high earner in medicine, you’ve probably felt this weird tension. You want things clean and automatic. You also want them correct. Because one messy payroll cycle can turn into a year of cleanup, and that cleanup always seems to show up when you’re already tired. This is where…
Read MoreDoctors and Debt: The Complete Guide to Paying It Down Without Breaking Your Tax Plan
Debt hits differently when you’re a physician. Physician tax planning matters even more when you’re carrying debt. Student loans, a mortgage, a practice buy-in, maybe a line of credit you took out during the “new attending” scramble. It can feel like you’re doing everything right and still not getting traction. You can earn a strong…
Read More1099 vs W-2 for Physicians: The Tax Planning Decisions That Matter (Quarterly Payments, Deductions, Entity Setup)
1099 vs W-2 for Physicians is one of those decisions that seems simple until you live it. It’s not just a paperwork thing. It can change how you pay taxes during the year, what you can deduct, and whether setting up an entity makes sense for you. If you’re a physician, you’ve probably heard someone…
Read MoreBitcoin Gains and Losses: The Tax Planning Playbook for Physicians and Practice Owners
If you’re looking for bitcoin tax planning physicians can actually use in real life, start here. But taxes tied to Bitcoin can feel like a different kind of exhausting. Not because it’s impossible. It’s just… sneaky. Bitcoin moves fast. Your tax return moves slowly. And somewhere in the middle, you can end up paying more…
Read MorePhysician Tax Planning Guide (2026): Save More, Avoid Surprises
Taxes shouldn’t feel like a pop quiz. Yet for a lot of high-income physicians, that’s what it turns into. You go through the year, you work hard, you save what you can, then you get the number. Sometimes it’s fine. Sometimes it’s a punch to the gut. And even when it’s fine, you still wonder…
Read MoreFrom Refund Anxiety to Tax Strategy: What Changes When You Work With a Pro
If you’re a high earner in medicine, tax season can feel… weird. You make great money. You work hard for it. Yet every spring you still catch yourself thinking the same thing. Why do I feel behind. Sometimes it’s because your refund looks smaller than you expected. Sometimes it’s because you owe a lot and…
Read MoreGold Is Moving Fast in 2026. Should Your Retirement Plan Move With It?
Gold feels like it’s everywhere right now. You hear about it from colleagues. You see it in headlines. Someone at a dinner party brings it up like it’s a stock tip. And if you’re a high earner in medicine, you probably have the same quiet thought a lot of people have in moments like this.…
Read MoreGroundhog Day and Your Taxes: Why Repeating the Same Mistakes Costs You Every Year
Groundhog Day shows up every year and, somehow, a lot of us act surprised. Same date. Same storyline. Same little burst of hope that this year will be different. Taxes can feel like that too. If you’re a high-income medical professional, you probably do “fine” with taxes. You earn well. You file on time. You…
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