Employed Physicians After a Sale: Practical Options You Still Control

Employed Physicians After a Sale: Practical Options You Still Control

If you became a W‑2 physician post‑sale, you may lose plan control—but if you still have other income streams, you still have options.

Option sets to evaluate

Side 1099/consulting entity: Solo 401(k) or a small CB plan (subject to aggregation/control rules).

MSO/ancillary ownership: assess CB or coordinated 401(k) for that entity.

Partner carve‑outs: tailored retirement design via profit‑interest LLCs.

Maximize employer plans: use available deferral/after‑tax features.

Guardrails

Clean documentation for non‑platform income.

Confirm aggregation/coverage rules before adopting outside plans.

Build funding flexibility if 1099 income varies.

Bottom line

If you still control some income, you still control some retirement strategy. We’ll outline a compliant path and coordinate with your CPA.

Plan Sponsor Action Checklist

Checklist

Inventory all post‑sale income streams and ownerships.
Checklist

Confirm aggregation/coverage rules with your actuary before adopting a plan.
Checklist

Design for funding flexibility if income varies.
Need help? Our team can design and implement your CB + 401(k) strategy.
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