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.
Talk to our team