Dr. Raj
Physician Practice Owner
High Income & Complex Entities
Their World
Dr. Raj is a 48-year-old orthopedic surgeon who owns a practice with four partners. He earns $1.2M annually between clinical income and practice distributions, owns three rental properties, and is behind on retirement savings after a decade of paying off medical school debt. His financial life is split across his practice S-Corp, a real estate LLC, personal accounts, and his spouse's W-2 income. Nobody is looking at all of it together.
The Complexity
Dr. Raj's practice income flows through an S-Corp, making reasonable compensation elections critical for payroll tax optimization. He can layer a cash balance pension plan on top of the practice 401(k) to shelter $250K+ annually, but the plan design must pass nondiscrimination testing with his staff. His rental properties generate paper losses through depreciation that offset passive income, but a cost segregation study could accelerate those deductions. His disability insurance was last reviewed when he was a resident.
The Tesseract Way
Your Personal CFO integrates the practice, the real estate, and the personal balance sheet into one model. We design a retirement plan stack (401k + cash balance plan) that maximizes tax-deferred savings, coordinate cost segregation studies on the rental properties, optimize the S-Corp salary split, and update his insurance coverage to match his current earning power. Dr. Raj sees a clear path to closing the retirement gap in 12 years.
Your Dashboard View
A glimpse of what Dr. Raj's Personal CFO dashboard looks like.
Tesseract Dashboard
Dr. Raj
Total Net Worth
$8,500,000
Projected Annual Tax Savings
$210,000
Through optimized strategy
Action Items
- 1Evaluate cash balance plan addition to practice 401(k)
- 2Commission cost segregation study on rental properties
- 3Review S-Corp reasonable compensation election
Upcoming Deadlines
Retirement Plan Amendment
Oct 1, 2026
Estimated Tax Payment Q2
Jun 15, 2026
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