About this event
The traditional retirement-savings playbook points high-earning physicians toward maxing out a 401(k) and calling it a day. It's a solid start, but for physicians whose income is trending toward — or already past — $1 million, it can miss a fast-changing variable: the state surtax. A growing number of states, including Massachusetts, Washington, and Maine, now layer an extra tax on income above $1 million, and more are considering similar measures. That changes the math on how much a well-designed retirement plan is really worth.
Join Jorge Sanchez, MD, of Physician on Fire, and Nick Gizzarelli, CPFA™, CBS™, QPA™, QKA®, Senior Advisor & Retirement Plan Specialist at Earned, Tuesday, September 29 at 2:30 PM ET / 11:30 AM PT. Nick will show how cash balance plans, 401(k) profit sharing, and smart plan design can cut taxable income — keeping high earners under surtax thresholds where possible, and helping every physician save more pre-tax regardless of income.
You'll learn how to:
- Spot which states tax income above $1 million — and how those thresholds hit W-2 wages, practice income, and capital gains
- Estimate how much a cash balance and 401(k) profit sharing combo can shelter at your income and age
- Find the plan design gaps quietly costing you deferral room and tax savings
Hosted by
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External speaker
Jorge Sanchez, M.D. Physician On FireE
After donating his kidney to his mother, Jorge Sanchez became a physician. He was a clinical professor at Rutgers University Medical School. As an internist, he practiced hospital medicine and worked with underserved Latino populations and rural healthcare systems. Previously, he co-founded a hospitalist company spanning South Florida, which he successfully exited. He co-founded Alertive.com with Dr. Nirav Shah and sold it to Carbon Health, allowing him to reach FIRE.
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External speaker
Carson Henderson, CPA/PFS Senior Wealth & Tax Advisor @ EarnedE
Carson Henderson, CPA/PFS is a Senior Wealth and Tax Advisor with more than a decade of experience helping doctors navigate complex tax, accounting, and wealth planning decisions. He works closely with dental and medical professionals on practice ownership, pre-sale planning, and major liquidity events, with a focus on preserving wealth and reducing unnecessary tax exposure. Carson began his career at Deloitte as a tax associate, where he built a strong technical foundation in federal tax strategy and compliance. Since joining the firm in 2010, he has advised hundreds of doctors on structuring their financial lives around practice transitions, advanced tax planning strategies, and long-term financial security. Through his work, Carson helps doctors understand how proactive planning before a sale can significantly impact the amount of wealth they ultimately retain, giving them clarity and confidence as they approach one of the most important financial moments of their careers.
Earned
You care for our health. We help you build your wealth.Earned is a fully integrated, technology-driven financial services firm built specifically for healthcare professionals, their families, and their practices. With a tech-forward, human-led approach, Earned is purpose-built to address the unique financial challenges doctors face — such as high taxes,
