The Average Physician Overpays the IRS by $40,000 to $80,000 a Year. Find Out in 20 Minutes If You're One of Them.
A free training from an 18 year New York CPA featured in The Wall Street Journal. The same framework that found one attending $52,000 in a single year, without working a single extra shift.
Your tax bill isn't decided by what you earn. It's decided by the plan you don't have.
Medical school taught you a decade of medicine and zero minutes of what to do with physician income. So you hired a CPA, and they do exactly what preparers do: file what already happened. But every window that actually lowers the bill closes on December 31, months before they ever touch your return. That is the whole game. Once you see it, you cannot unsee it.
Three secrets your tax bill has been keeping from you.
The 1099 Penalty
Why every 1099 dollar you earn is hit with a full 15.3% self-employment tax before income tax even starts, and the entity move that changes it.
The $60,000 to $200,000 Shelter
The defined benefit plan most physicians have never opened, and the pre-tax savings it can move out of taxable income every single year, legally and by design.
The April Illusion
Why your CPA files your return after every window to reduce it has already closed, and the one deadline in your financial life that nobody can amend.
She thought she was doing everything right. She was losing $52,000 a year.
Attending hospitalist. $485K combined income: W-2 salary plus weekend moonlighting shifts paid on a 1099. No entity, no plan, no year-end projection. Ever.
Full self-employment tax on every 1099 dollar. No defined benefit plan. No retirement beyond the hospital 403(b) minimum. An April surprise every single year.
$52,000 in year-one savings. 1099 self-employment tax reduced 68%. $180,000 moved pre-tax. The first time she knew her number before April.
LLC with S-Corp election built around the 1099 income. Defined benefit plan opened, moving $180K pre-tax. W-4 recalibrated. Year-end projection built in October, her first one ever.
"She didn't pick up a single extra shift. The structure changed. The shifts didn't."
Four leaks. Every overpaying physician has at least one.
The income-mix leak.
W-2, 1099 moonlighting, partnership K-1, consulting. Most physicians have two or three income types and one strategy that wasn't designed for any of them. At $450K, that misalignment costs $40,000 to $80,000 a year.
The retirement leak.
$60,000 to $200,000 of pre-tax savings left on the table every year. A solo 401(k) allows $69,000 in contributions. A defined benefit plan moves $150,000 to $250,000 out of taxable income annually. Ten years of maxing these is $1.5M to $2.5M compounding tax-advantaged.
The expensive one.
Defined benefit setup, 1099 entity election, income timing: the strongest moves happen before December 31. In April your CPA files what happened. They cannot undo what you didn't decide in October.
The missing rhythm.
You wouldn't manage a patient without a treatment plan. Over $250K in physician income, once a year is not enough. Quarterly: income review, estimated tax check, retirement sizing, entity review, year-end projection. You focus on medicine. We handle the financial architecture.
All four broken down in 20 minutes. Free.
This isn't about taxes. It's about what the money does next.
Retirement
A defined benefit plan can move $180K to $250K out of taxable income per year. Ten years of that is $1.5M to $2.5M compounding tax-advantaged.
Dream Home
$52K in annual tax savings is a down payment, a vacation home, or ten mortgage payments. It was already inside your income.
Financial Independence
Physicians who plan correctly reach FI years earlier. Not by working more shifts. By keeping more of the ones they already work.
Family Security
Every dollar not lost to avoidable taxes is a 529, an emergency fund, or a head start for your kids.
When you stop overpaying taxes, you decide where the money goes. Not the IRS.
An accomplished CPA, not a tax influencer.
Busayo Ogunsanya, CPA, MTax is the Managing Partner of BigApple CPA Tax & Advisory. Before founding the firm, he built his career at Ernst & Young, KKR, and J.P. Morgan. His published tax books include guides written specifically for physicians.
- New York State CPA · License #105662 · 18 years licensed
- Fordham University · M.S. in Professional Taxation
- Author of 8 published tax books · including physician tax guides
You've been healing patients for years. It's time someone healed your tax bill.
Physician Tax Strategy Intensive
Not Basic Prep
Entity review. Defined benefit setup. W-4 coordination. Year-end projection.
Full Picture
All income types: W-2, 1099, partnership, practice. One coordinated plan.
Honest Fit
Simple situation? I'll tell you plainly if you don't need this level.
Reviewed personally by Busayo Ogunsanya, CPA, MTax. Not a junior associate.
Limited slots. And a reason to move now.
Limited monthly slots
I take a limited number of new strategy reviews each month, done personally by me, not a junior associate. When the month is full, the link closes.
Don't let someone else fill the slot you needed.
Fast-action bonus
Book while slots are open and I'll include a complimentary review of your most recent tax return, yours to keep whether or not we work together.
No pitch. No pressure. Just clarity.
You spent a decade becoming the best at what you do. Don't let the IRS collect the difference.
Watch the free training, then book your strategy call. One session changes the trajectory.
Worst case: 30 minutes confirms your plan is airtight and you sleep better tonight. Best case: you find five figures a year. Both outcomes beat not knowing.
The December window is the one deadline the IRS never extends.