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Notes on equity, tax, and the decisions that come with them
Educational articles for executives, physicians, and business owners working through the planning questions that come with high income and concentrated equity.
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September 8, 2026
How Much Would You Actually Keep From a $5 Million Business Sale?
An illustrative $5 million sale example covering deal structure, capital gains, state taxes, depreciation recapture, and estimated after-tax proceeds.
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October 14, 2026
ESPP Tax Treatment for Medtech Executives
What is and is not taxed when you buy ESPP shares, how the 2-year and 1-year holding tests work, how the discount splits between ordinary income and capital gain, the $25,000 limit, and Form 3922.
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October 8, 2026
Cash Balance Plans for Physicians and Business Owners
What a cash balance plan is, who tends to consider one, what it requires of a practice or business, how contribution limits work, and questions to bring to a CPA and plan administrator.
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October 2, 2026
Equity Compensation Planning: A Guide for High-Income Professionals
Grant types (RSUs, ISOs, NSOs, ESPP), vesting timelines, exercise timing, tax treatment at exercise versus sale, AMT risk, and year-end tax coordination.
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September 21, 2026
Is $2 Million Enough to Retire at 60?
A retirement-readiness framework for evaluating spending, taxes, healthcare, Social Security timing, and the role a $2 million portfolio may play.
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September 21, 2026
Solo 401(k) Contribution Limits and Strategy for Self-Employed Professionals
2026 employee deferral, employer profit-sharing, combined limits, catch-up contributions, Roth rules, and how a Solo 401(k) compares with a SEP IRA for self-employed physicians and business owners.
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September 21, 2026
How to Evaluate a Medical Practice Partnership Buy-In: Is It Worth It?
A physician's framework for evaluating a partnership buy-in, including valuation questions, agreement terms, tax considerations, and employee trade-offs.
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September 14, 2026
What Happens to Your RSUs and Stock Options When Your MedTech Company Is Acquired?
How an acquisition may affect unvested RSUs, stock options, and ESPP shares, including vesting acceleration, cash-out or rollover treatment, taxes, and key deadlines.
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September 7, 2026
Why $200K in RSUs Wasn't Enough: Understanding RSU Tax Withholding Shortfalls
The 22% RSU withholding rate, the federal and state withholding gap by bracket, and estimated tax strategies for closing it.
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September 7, 2026
Deferred Compensation Planning for High-Income Executives
A decision framework for how much to defer: current vs. future tax bracket, liquidity needs, creditor risk, irrevocable distribution elections, and year-end enrollment deadlines.
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September 1, 2026
Asset Protection Strategies for Physicians
Umbrella insurance, ERISA-qualified retirement accounts, homestead exemptions, tenancy by the entirety, LLCs, and irrevocable trusts.
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September 1, 2026
Direct Indexing: Tax-Loss Harvesting Beyond Index Funds
How direct indexing harvests losses at the individual stock level, the wash-sale rule, tracking error, minimum account sizes, and who benefits most.
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September 1, 2026
Donor Advised Funds for High-Income Earners: Tax Strategy and Charitable Bunching
How charitable bunching works with the 2026 SALT cap, the 0.5% AGI floor, appreciated stock contributions, and DAF vs. direct giving.
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September 1, 2026
Mega Backdoor Roth IRA: A Guide for High-Income Earners
After-tax 401(k) contributions, in-plan Roth conversion vs. in-service distribution, 2026 contribution limits, plan eligibility, and tax treatment.
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September 1, 2026
Locum Tenens Tax Planning and Financial Strategy
Self-employment tax, quarterly estimated payments, solo 401(k), business deductions, S-corp election, multi-state filing, and health insurance for 1099 physicians.
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September 1, 2026
W-2 vs 1099 Physician: The Financial Planning Differences That Matter
Self-employment tax, the QBI deduction, solo 401(k) options, business deductions, and S-corp election for physicians choosing between W-2 and 1099 work.
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September 1, 2026
Backdoor Roth IRA for High-Income Earners
How the conversion works, the pro-rata rule, income phase-outs, Form 8606, and common pitfalls to avoid.
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September 1, 2026
Physician Retirement Planning When You Started Saving Late
Savings rate targets, catch-up contributions, cash balance plans, and tax-accelerated strategies for late-career doctors.
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September 1, 2026
What Should a Physician Do After Maxing Out Their 401(k)?
Backdoor Roth IRA, HSA, mega backdoor Roth, taxable brokerage investing, and solo 401(k) or defined benefit plans for self-employed physicians.
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September 1, 2026
How Much Disability Insurance Does a High-Income Physician Need?
Coverage targets, true own-occupation definitions, key riders, and stacking policies across carriers for high-income physicians.
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September 1, 2026
Tax-Loss Harvesting for High-Income Earners: Rules, Strategy, and Year-End Planning
The wash-sale rule, why harvesting matters more at higher marginal rates, direct indexing, and year-end timing for tax-loss harvesting.
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August 31, 2026
Business Exit Planning for Owners: A Guide to Selling Your Company on Your Terms
When to start exit planning, valuation approaches, asset versus stock sale tax treatment, and coordinating a sale with retirement and estate planning.
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August 28, 2026
Financial Planning for Physicians: A Guide for High-Earning Specialists
Student loan and retirement trade-offs, disability insurance, tax bracket management, equity compensation, and estate planning basics for physicians.
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August 27, 2026
RSU Tax Planning for Medtech Executives
How RSUs are taxed at vesting, the 22% supplemental withholding gap, sell-to-cover versus hold decisions, concentration risk, and coordinating equity compensation.
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August 19, 2026
Tax Planning for High-Income Earners: Strategies Beyond the Basics
RSU withholding gaps, deferred compensation elections, charitable bunching, tax-loss harvesting, and pass-through strategies for business owners.
This material is for general educational purposes only and is not intended as tax, legal, or investment advice. Neither GGM Wealth Advisors nor Cambridge provides tax or legal advice. Please consult a qualified professional about your specific situation.