『Retirement Plans for Physicians: Are You Making the Most of Yours? with Nick Gizzarelli, CPFA™, CBS™, QPA™, QKA®』のカバーアート

Retirement Plans for Physicians: Are You Making the Most of Yours? with Nick Gizzarelli, CPFA™, CBS™, QPA™, QKA®

Retirement Plans for Physicians: Are You Making the Most of Yours? with Nick Gizzarelli, CPFA™, CBS™, QPA™, QKA®

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Host David Mandell welcomes Earned retirement plan specialist Nick Gizzarelli to discuss how retirement plan decisions fit into a physician's broader wealth and tax strategy. Nick explains why plan design should reflect retirement savings goals, income, career stage, and the makeup of a practice's workforce. The conversation explores fiduciary responsibilities for practice owners, the costs and funding commitments that can accompany different plans, and the value of reviewing an existing plan's fees, investment options, and administration. David and Nick also discuss why retirement plans should be revisited as a practice grows and a physician's circumstances change. For employed physicians, Nick outlines questions to ask about 401(k) and 403(b) plans, Roth contributions, and employer contributions. They also explore how 1099 side income may create additional retirement planning opportunities and discuss potential policy developments affecting plan sponsors and participants. Key Takeaways Plan design starts with the full picture. Savings goals, taxes, workforce demographics, and anticipated income changes all influence which retirement plan structure may be appropriate. Practice owners need to understand their fiduciary responsibilities. Reviewing administration, fees, investments, and funding requirements can help identify concerns and opportunities for improvement. Employed physicians may have opportunities beyond their workplace plan. Understanding employer benefits and coordinating any separate plan for eligible side income with a retirement specialist and CPA can support a more complete strategy. Insights Nick explains the retirement plan credentials and fiduciary focus that inform his work with medical practices.Qualified retirement plans connect long-term savings goals with tax planning for physicians and practice owners.Employers sponsoring retirement plans should understand the responsibilities they take on and seek qualified support where needed.Workforce size and demographics can affect employer contribution requirements and the overall cost of a plan.401(k), profit-sharing, and cash balance plan decisions should account for funding commitments and projected income.A retirement plan should be reviewed as earnings, business structure, savings needs, and tax rules evolve.A plan review may examine its platform, administrative fees, investment expenses, funding design, and participant outcomes.Employed physicians should ask which plans are available, when they become eligible, and how to receive the full employer contribution.Roth 401(k) contributions and Roth IRA contributions have different eligibility rules, a distinction Nick highlights for high-income physicians. Resources: After-Tax Alpha: Quantifying the Value of Integrated Wealth and Tax Management for Doctors | Get Your Free ReportFree Copy of Wealth Strategies for Today's Physician | Get Your Free CopyFor more information and access to any offers, please visit earned.com/wpmp.To connect with Nick and the retirement plan specialists team at Earned, please email rps@earned.com. About the Guest Nick Gizzarelli, CPFA™, CBS™, QPA™, QKA® is a retirement plan specialist at Earned with approximately 15 years of experience in the retirement industry. He works with private practices, self-employed clinicians, and medical groups on retirement plan design, administration, and fiduciary considerations. He is an active member of the American Retirement Association. About the Host David Mandell, JD, MBA brings deep expertise in asset protection and wealth management, shaped by decades of experience advising physicians and co-authoring leading financial resources for the profession. His articles have appeared in many national publications, reflecting his standing as a thought leader in physician wealth strategy. As a recognized speaker and host of his own podcast, he regularly shares actionable guidance with audiences across the medical community, and his work with Earned Institute offers insight focused on helping doctors build, protect, and preserve long-term wealth.
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