Keep More of What You Earn as a Doctor — Physician Tax Planning in Houston, TX
Caduceus does tax and wealth planning for physicians — and only physicians. Retirement strategy, 1099 and PSLF coordination, and proactive planning built for a doctor's income, so you keep far more of what your years of training earned you.
Doctors Have Unique Finances — and Overpay
High income, late start, big loans, and no time. A physician-specialist turns all of that into a plan.
Physicians Only
We work with doctors exclusively — so we know your income arc, your loans, your retirement options, and your tax traps cold.
Retirement, Maximized
Backdoor and mega-backdoor Roth, cash-balance and defined-benefit plans — the high-earner strategies most doctors never hear about.
Loans & PSLF Coordinated
We align your loan strategy, PSLF, and taxes so you don't accidentally sabotage forgiveness or overpay for years.
Asset Protection
In a high-liability profession, we help structure your finances so what you build is protected from what you can't control.
Financial Planning for a Physician's Life
🩺 Physicians Only ✓ Retirement & PSLF Experts 💰 $18M+ Saved
The CPA Doctors Wish They'd Found Sooner
Caduceus Tax Advisors was founded in 2011 for a client the profession routinely underserves: the physician. Doctors earn a high income but start late, carry enormous student loans, work brutal hours, and get almost no financial education in a decade of training. The result is predictable — brilliant physicians handing tens of thousands more to the IRS than they need to, with no retirement strategy and no plan.
We fix that, and we do it for doctors exclusively. In fifteen years we've guided 1,200+ physicians and saved them more than $18M in tax. We know the moves that matter for a physician's finances: the backdoor and mega-backdoor Roth, cash-balance plans, the interplay of PSLF and taxes, 1099 and locum structuring, and asset protection for a high-liability career. Whether you're a new attending setting the foundation or a seasoned physician optimizing for the exit, we're the specialists who make your income finally work as hard as you do.
- ✓Physicians exclusively — 15 years
- ✓Retirement, PSLF, 1099 & asset protection
- ✓1,200+ physicians · $18M+ saved
- ✓Built for a doctor's unique finances
The Physician-Specialist Difference
A generalist files your return. A physician specialist changes your financial life.
We Know Doctor Money
Your income arc, your loans, your retirement options, your liability — we understand a physician's finances because it's all we do.
Retirement Done Right
The high-earner strategies most doctors never hear about — done correctly, they build wealth and cut your tax bill at once.
PSLF Without Landmines
Loan and tax decisions are deeply intertwined. We coordinate them so you don't accidentally cost yourself forgiveness.
A Plan, Not Just a Return
We don't just file in April — we build a year-round financial plan tailored to where you are in your career.
Trusted by Houston Doctors
As an attending making good money, I was handing a fortune to the IRS and had no plan. Caduceus set up a backdoor Roth, a cash-balance plan, and real strategy — they've saved me more than my first year's student-loan payments.
I do locum work with 1099 income across three states and my taxes were a disaster. Caduceus structured it, set up my quarterlies, and cut my bill dramatically. They actually understand physician finances.
Between PSLF, my retirement accounts, and a rental property, my situation was complex. Caduceus coordinated all of it into one plan. I finally feel like someone's steering my financial life, not just filing it.
Your First Big Paycheck Is a Fork in the Road
The jump from resident to attending is the most important financial moment of a physician's life — and the one where the worst mistakes get made. Suddenly there's real income, but also real tax, and a decade of deferred everything. Handle it well and you build a foundation that compounds for thirty years. Handle it the way most doctors do — max the 401(k) and hope — and you leave hundreds of thousands on the table. We set new attendings up right: the tax-efficient retirement stack, the PSLF-aware loan strategy, and asset protection from day one, so your best earning years actually build the life the training was for.
- ✓Set the foundation from attending year one
- ✓Tax-efficient retirement from the start
- ✓PSLF-aware, liability-protected
Frequently Asked Questions
How can a physician-specialist CPA save me money a regular accountant can't?
Physicians have specific, high-leverage strategies most generalists don't proactively use: backdoor and mega-backdoor Roth contributions, cash-balance and defined-benefit plans that can shelter huge amounts, the tax interplay with PSLF and student loans, and structuring for 1099/locum income. Used together, these routinely save physicians tens of thousands a year — far more than our fee. A generalist files; we plan.
I'm a new attending. Is it worth getting help now?
It's the single best time. The transition from residency to attending is where the biggest, most permanent financial decisions get made — retirement stack, loan strategy, PSLF, asset protection. Setting it up right from day one compounds for decades. New attendings who wait a few years to 'figure it out' usually leave a lot on the table.
Can you help with PSLF and student loans?
Yes, and it's essential to do it alongside your taxes, because they directly affect each other — your tax filing status and income-driven repayment calculations are linked. We coordinate your loan strategy, PSLF, and tax planning as one, so you maximize forgiveness and minimize tax without the two working against each other.
I have 1099 or locum income. Does that change things?
Significantly, and mostly in your favor if it's handled right. 1099 and locum income opens up powerful retirement options (like a solo 401(k) or defined-benefit plan) and business deductions, but also requires quarterly taxes and often multi-state filing. We structure it to capture the benefits and keep you compliant.
What does asset protection have to do with taxes?
For physicians, the two go hand in hand. You're in a high-liability profession, so how you title accounts, use entities, and structure retirement and insurance matters for protecting what you build — and many of those structures have tax implications too. We coordinate the tax and protection sides so they reinforce each other.
How are your fees structured?
Most physicians work with us on an annual planning engagement that includes proactive tax planning and your return, scoped to your situation. Given the strategies involved routinely save far more than they cost, it tends to pay for itself many times over. Your initial consultation is complimentary.
How We Begin
From overpaying to a real physician financial plan.
Consultation
We learn your specialty, income, loans, and goals, and pinpoint exactly where you're overpaying and under-planning.
Build the Plan
Retirement stack, PSLF-aware loan strategy, 1099 structuring, and asset protection — a plan built for your career stage.
Optimize Year-Round
We handle your taxes and adapt the plan as your income and life change — a specialist in your corner every year.
Make Your Income Work as Hard as You Do
Book a consultation and see how a physician-specialist CPA can transform your taxes and your plan.
Book Your Physician Consultation
Tell us about your practice and situation, and we'll show you the opportunity. Response within one business day.
- Visit us1000 Louisiana St, Suite 2600, Houston, TX 77002
- Call us(713) 555-0193
- Email usadvisors@caduceustax.com