Posts by Daniel Jeffry Rivera
S-Corp Owners: What to Review Every January
January has a weird vibe when you own an S-corp. You’re back at work. The inbox is full. Your calendar looks like it never took a break.And your business? It’s already moving again. But here’s the quiet truth. If you wait until “later” to check your S-corp setup, later turns into panic.Or worse… you don’t…
Read MoreBusiness Owners: January Payroll Decisions That Matter
January payroll feels routine. You run numbers. You approve payroll. You move on. It’s easy to treat it like a task you just… do. But for high earners and high net worth business owners, January payroll decisions can quietly set the tone for your entire tax year. Not in a dramatic way. More like a…
Read MoreJanuary Moves That Create Flexibility for the Year
January has a weird reputation. It’s either “new year, new you” energy…Or it’s the month where you’re already behind and trying to catch up. For physicians, it’s usually the second one. Your schedule ramps back up. Patients stack. Meetings restart. And your inbox suddenly remembers you exist. So tax planning in January can feel optional.…
Read MoreJanuary vs December Tax Planning: Why Timing Wins
Most physicians treat tax planning like a year-end chore. You get through the year.You survive the schedules.Then December shows up and everyone suddenly wants a “quick tax plan.” I get it. December feels like the moment you’re supposed to handle taxes. But for doctors, December planning is usually damage control. January planning is where timing…
Read MoreShould You Change Your Business Structure in January?
January doesn’t come with obvious tax pressure. There’s no filing deadline. No urgent email from your CPA. No line item screaming for attention. That’s why business structure often gets ignored this month. For physicians, that’s a problem. Not because January forces you to act, but because it’s one of the few times the calendar is…
Read MoreNew Year, New Tax Strategy: What to Decide Before Income Starts
The new year feels clean. No backlog. No deadlines breathing down your neck. No tax forms arriving in the mail yet. For many physicians, that calm creates a false sense of safety. Taxes feel far away. Income hasn’t fully started flowing. Nothing feels urgent. That’s exactly why this moment matters. Before income starts coming in,…
Read MoreTraditional IRAs: The Most Misunderstood Tax Tool
Traditional IRAs get dismissed quickly. Too basic.Too small.Not useful for high earners. That reaction is common. And understandable. But it’s also why Traditional IRAs remain one of the most misunderstood tax tools available, especially for physicians and other high-income earners. The confusion isn’t about the account itself. It’s about how it fits into a broader…
Read MoreJanuary Tax Planning Checklist for High-Income Earners
January doesn’t feel like a tax month. There are no filing deadlines. No frantic emails. No pressure to act fast. That calm can be misleading. For high-income earners, especially physicians, January quietly determines how much control you’ll have over taxes for the rest of the year. Not what you file. What you’re allowed to do…
Read MoreWhy January Is the Most Important Month for Tax Strategy
January feels slow. No tax deadlines. No urgent forms. No pressure from the IRS. For many physicians, it feels like the one month where taxes can safely wait. That’s exactly why January matters more than any other month. For high-income earners in the medical field, January quietly determines what is possible for the rest of…
Read MoreJanuary Mistakes That Lock In Higher Taxes All Year
January feels quiet. No deadlines. No urgency. No alarms going off. And that’s exactly why it’s dangerous. For many physicians, the biggest tax mistakes of the year don’t happen in December. They happen in January. Quiet decisions. Delayed actions. Assumptions that feel harmless in the moment. Those choices don’t just affect one month. They lock…
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