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Avoid early IRA withdrawal penalties by using the 72(t) rule

Have you been saving for your retirement? If you’re making a high enough income, you’re likely building up healthy retirement savings. If you’ve also been receiving a match on yourRead more

Should I pay off my mortgage or invest?

Professionals with high incomes are often faced with difficult financial choices. One of the most common and difficult choices is whether to focus on paying off a mortgage. Doing so can remove one ofRead more

When do I file MFS versus MFJ?

Your marriage status has a large impact on your taxes. But even when you’re married, you still have a serious tax choice to make. While taxes aren’t the most romantic topic to discuss with yourRead more

Changing the character of your income to save tax

If you’re making money, you’re going to pay taxes. There’s simply no way around it. However, the nature of your income will determine the amount you pay in taxes. Furthermore, you can changeRead more

How to make taxes less daunting

Well, we all fear the unknown. And for many business owners and medical professionals, April is the month of the unknown. How much money will I owe? How much money will I have left? What are theRead more

Why real estate can help lower your tax bill

Too many doctors rely purely on W-2 income, and the harder you work and the more patients you take on, the higher your taxes end up being. For physicians and similar busy professionals, real estateRead more

How can I strategize my tax planning as a W-2 only earner?

Form W-2 is the most commonly filed tax document in the US. It’s a simple document that employees file every year. These taxes will cost you 10% to 37% of your income, depending on how much you makRead more

Your objections, fears and worst-case scenarios of working with us

Today let’s take a moment to address the elephant in the room.  You may not have had the best experience with financial advisors so far in your career.  Many of our clients were preyed on byRead more

How a couple saved $126,000 in tax for retirement, and found peace of mind during a big business change

Jeff and Trisha are a couple with two kids living in California. When they came to Cerebral for advice, Jeff had recently changed from doing W-2 work to running his healthcare business as a full 1099Read more

Signing bonuses and their tax implications

A signing bonus is a financial incentive that an organization or business offers a prospective employee in order to woo them to join up. It could be given in the form of a one-time major cash paymentRead more

Should I buy a vehicle through my healthcare business?

Buying a vehicle through your business isn’t entirely different from buying one personally. But before you buy a vehicle under your business’s name, there are several factors you must consider.Read more

Step-by-step tutorial of the Mega Backdoor Roth through Fidelity Investments

I am always looking for ways to put more money into my retirement. Chris and I currently have 10 (yes ten!) retirement accounts with a mixture of pre-tax and post-tax accounts. Each account has its oRead more

An introduction to tax planning strategies for medical professionals and physicians.

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Learn more about the Cerebral way of tax planning and how it works for physicians.

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If you pay your own health insurance the MERP is a helpful tax strategy to save in tax. 

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As a medical professional, you received years of education and training in your field of expertise. Yet not one class covered how to run a business, let alone how to manage your personal finances.

It’s exhausting to finally reach a high level of income, only to lose thousands in tax.

This book provides a foundation for basic and advanced tax planning. You’ll read real-life examples of medical professionals who saved big just by using these strategies. You’ll also receive exclusive tax strategy resources to help you get started right away.

We’re not just here to give you back lost tax. We’re here to give you back lost time.

  Discover the best investments for tax savings.

  Learn how to put deductions, write-offs, and
            loopholes to use for you.

  Find the best tax pro for you.