Your Taxes Deserve a Specialist, Not a General Practitioner.

Serving physicians across the country, with deep roots on the Philadelphia Main Line. From residents to practice owners, we help doctors keep more of what they earn.

Download the Free Physician Tax Guide Or Book Your Free Tax Strategy Call →

Serving Philadelphia Main Line Physicians  •  Nationwide Virtual Practice

You Didn't Spend 11+ Years in Training to Give a Third of Your Income to the IRS.

Most physicians work with generalist CPAs who prepare their returns compliantly. The math is right and it's filed on time. But compliance is table stakes. What generalists routinely miss are the physician-specific strategies that could save you $20,000 to $80,000 or more each year. Here's what that looks like in practice.

Missing S-Corp Election Savings

Physicians running income through a single-member LLC or sole proprietorship often overpay self-employment taxes by $15,000 to $40,000 per year. The S-Corp election is one of the most powerful and most overlooked tools available to physicians with 1099 income.

No Cash Balance Plan Analysis

High-earning physicians can shelter $100,000 or more annually through cash balance pension plans, but most CPAs never model this. If you're over 40 and earning $400K+, this conversation should have already happened.

Backdoor Roth Execution Errors

Incorrect execution of the backdoor Roth IRA strategy can trigger the pro-rata rule, creating an unexpected tax bill on money you thought was tax-free. This is a common and costly mistake with a straightforward fix, if your CPA knows to look for it.

Student Loan Filing Strategy Mistakes

Filing status decisions can cost physicians in income-driven repayment plans tens of thousands in unnecessary payments, or create six-figure tax bombs at forgiveness. MFS vs. MFJ analysis is essential for any physician carrying federal student loans.

See how many of these apply to you →

Free Guide: The Physician's Tax Checkup

7 Costly Mistakes Your CPA Might Be Missing, and How to Fix Them

This guide was written specifically for physicians, not small business owners, not W-2 employees. Inside, you'll find a plain-English breakdown of the seven most common and most expensive tax mistakes we see physicians make, along with the dollar impact of each and a self-assessment question to determine whether it applies to your situation.

If you check three or more boxes, your current tax strategy has significant room for improvement. Most physicians we work with are overpaying by $20,000 to $80,000 or more annually in avoidable taxes.

  • You're still a sole proprietor when an S-Corp could save you $15K to $40K per year
  • You're not executing a backdoor Roth IRA (or triggering the pro-rata rule)
  • Your CPA hasn't modeled a cash balance or defined benefit plan
  • You're not maximizing your HSA as a stealth retirement account
  • Your tax filing strategy is costing you on student loan repayment
  • You're leaving QBI / Section 199A deductions on the table
  • Your investments aren't tax-coordinated with your CPA
The Physician's Tax Checkup
7 Costly Mistakes Your CPA Might Be Missing
By Ryan Langan, CPA, MTax
Oakmont Tax Consulting

Get Your Free Copy

Enter your details below to get instant access to your free guide.

Your information is 100% secure. We never share your data.

How We Work With Physicians

A three-step process built around your career stage, income structure, and long-term financial goals.

1

Diagnostic Review

We start with a comprehensive review of your current tax return, identifying missed strategies and quantifying potential savings. Think of it as a second opinion on your tax health.

2

Custom Strategy Implementation

We build a personalized tax plan from our library of 30+ physician-specific strategies, covering entity structure, retirement optimization, real estate, charitable giving, and state-specific planning. Then we actually implement it.

3

Year-Round Monitoring

Tax planning isn't a once-a-year event. We monitor your situation quarterly, adjust projections, and ensure you're capturing every opportunity as your career evolves, from residency through practice ownership.

The Real Value of Proactive Tax Strategy

A one-time tax return is a transaction. A proactive tax strategy is an investment that compounds over your entire career. The chart below illustrates what happens when annual tax savings are reinvested at a modest 8% return, compared to a physician who simply pays the bill and moves on.

Cumulative Wealth Difference: Proactive Strategy vs. Status Quo

Assumes $40,000 in annual tax savings reinvested at 8% annually. For illustrative purposes only.

Year 5
$235K
Cumulative advantage from five years of proactive strategy, with compounding returns on reinvested savings.
Year 10
$579K
A decade of physician-specific planning creates a wealth gap that a generalist CPA simply cannot close retroactively.
Year 20
$1.83M
Over a full career, the compounding effect of recovered tax dollars dwarfs the cost of specialized advisory by orders of magnitude.

The best time to start a proactive tax strategy was your first year of attending income. The second best time is today.

Ryan Langan, CPA, Founder of Oakmont Tax Consulting

Your CPA on the Main Line

Ryan Langan is a CPA and Master of Science in Taxation graduate of Villanova University, and the founder of Oakmont Tax Consulting. He began his career at a multinational public accounting firm, working on returns spanning billionaire sports team owners, partnerships, S-corporations, trusts, and estates. From there, he moved into corporate tax compliance at the world's largest business software company, managing filings across hundreds of subsidiaries and jurisdictions.

That breadth of experience, combined with a deep focus on physician-specific tax planning, is what we bring to every Oakmont engagement.

We chose to specialize in physicians for a personal reason: Ryan has a lot of family in healthcare, and it troubled him how little physicians are taught or advised on how to handle money and taxes. Despite earning at the top of any income distribution, most physicians receive the same generic guidance as any other professional. We built Oakmont to change that.

  • Certified Public Accountant, Pennsylvania
  • Master of Science in Taxation, Villanova University
  • Certificate in State and Local Taxation, Villanova University
  • B.S. in Accounting & Finance, St. Joseph's University
  • Former multinational public accounting firm & world's largest business software company
CPA MTax, Villanova SALT Certificate

"Finally found a CPA who understands the complexity of physician compensation. Ryan identified an S-Corp opportunity my previous accountant had missed for three years running."

Dr. Sarah M. — Orthopedic Surgeon, Bryn Mawr

"The student loan filing strategy analysis alone was worth more than the annual fee. I had no idea my filing status was costing me thousands in unnecessary IDR payments."

Dr. James T. — Emergency Medicine, Philadelphia

"As a locum tenens physician with income across multiple states, my tax situation is complicated. Oakmont handles it seamlessly and proactively, not just at tax time."

Dr. Michelle K. — Hospitalist, Chester County

Physician Tax Service Plans

Flat-fee, transparent service plans designed for physicians at every stage of their career. No hourly billing, no surprise invoices.

The Foundation

Base Compliance

  • Federal + state return preparation
  • Backdoor Roth IRA guidance
  • Retirement account contribution optimization
  • W-2 withholding review and adjustment
  • 3-business-day email response
  • Notice representation included
Most Popular
The Strategist

Priority Prep

  • Everything in Base Compliance
  • Quarterly estimated tax preparation
  • Moonlighting / 1099 income integration
  • Student loan filing strategy optimization
  • Multi-state income allocation
  • HSA strategy and coordination
  • 1-business-day response via email + phone
  • Two planning sessions per year
  • Video walkthrough of completed return
  • Notice representation included
The Physician's Tax Advisor

Premium Advisory

  • Everything in Priority Prep
  • Same-day response + direct cell access
  • Four quarterly strategy sessions
  • S-Corp evaluation + reasonable comp analysis
  • Cash balance / defined benefit plan modeling
  • Practice buy-in / buy-out scenario planning
  • Real estate and depreciation strategy
  • Charitable giving and DAF planning
  • Annual Physician Tax Blueprint document
  • Audit representation included

Practice-level services for S-Corp and partnership medical practices are custom-quoted based on your specific situation.

Book a Call to Discuss Your Practice →

Common Questions From Physicians

While we serve clients across several industries, physicians and medical practice owners are our primary focus. Our 30-strategy physician tax playbook and deep understanding of physician compensation structures, student loan implications, and practice-level tax planning set Oakmont apart from generalist CPAs.

Not at all. In fact, getting your tax strategy right during training, especially your student loan filing strategy and retirement account setup, can save you tens of thousands over your career. The Foundation plan is designed specifically for early-career physicians who want to build good habits from the start.

Yes, and that's actually how we work with the majority of our clients. Oakmont is a fully remote practice, so everything happens through our secure client portal, video calls, and phone. Physicians across the country work with us without ever stepping into an office, which fits the reality of a physician's schedule far better than in-person appointments.

Most generalist CPAs prepare your return compliantly, meaning the math is right and it's filed on time. That's table stakes. What they typically miss are the 15 to 30 physician-specific planning strategies that could save you $20,000 to $80,000 or more annually. We focus exclusively on proactive tax planning, not just compliance, and we speak the language of physician compensation, practice structure, and student debt.

It's a free 30-minute strategy call. We'll review your current situation, identify two or three immediate opportunities, and explain how we'd work together. No sales pitch, just an honest assessment of whether we can save you meaningful money. If we can't, we'll tell you.

Yes. We prepare S-Corporation (1120-S) and Partnership (1065) returns for medical practices, including reasonable compensation analysis, retirement plan coordination, and multi-state filing. Practice engagements are custom-quoted. Book a call to discuss your specific situation.

Ready for a Tax Second Opinion?

Download the free Physician's Tax Checkup guide, or book a complimentary 30-minute strategy call. Either way, you'll know exactly where you stand.

Download the Free Guide Book Your Free Call
Get the Free Physician Tax Guide