Who we serve Advanced practice nurses

Financial planning for advanced practice nurses.

Nurse practitioners, CRNAs, nurse midwives and clinical nurse specialists often see their income jump after graduate school, along with new loans, new benefits and new options. We help you make the most of each step.

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Is this you?

You’re an NP, CRNA, CNM or CNS, recently out of school or well into your career, and want a plan for your income, your loans and your retirement.

Decisions we help you make

Every plan is built around your situation. These are the questions we work through most often.

Student loans and PSLF

Choosing between Public Service Loan Forgiveness, income-driven repayment and refinancing after graduate school.

403(b) and 457(b) plans

Getting the most from hospital retirement plans, including how 457(b) plans differ and when to use them.

Comparing job offers

Looking past salary to benefits, retirement matches, call pay and loan support.

1099, per diem and locum work

Planning for taxes and retirement savings when you pick up independent or contract work.

Protecting your income

Reviewing disability, life and malpractice coverage as your income grows.

Building wealth

Putting a higher income to work for your goals, from a first home to an earlier retirement.

A situation we often see

Every client is different. This hypothetical example shows how we might approach a common situation.

This case study is hypothetical and for illustrative purposes only. It is a composite based on situations we commonly see and does not represent any specific client. Your results will depend on your own circumstances. It is not a guarantee of future results or a recommendation for any individual.

Making the jump from RN to CRNA

The situation: A newly certified CRNA with about $200,000 in loans, a full-time offer and opportunities for 1099 locum work.
What we did: We weighed PSLF against other repayment options, set up quarterly estimated taxes and a Solo 401(k) for the 1099 income, and reviewed disability coverage.
The outcome: A plan to put the higher income to work, with no tax surprises from contract work.

Common questions

General information to help you think through your situation. Your plan will depend on your own circumstances.

Do nurse practitioners and CRNAs qualify for PSLF?

You can if you work full-time for a qualifying employer, such as a nonprofit hospital or government agency, and make 120 qualifying payments on eligible federal loans. Contract work for private companies doesn’t count toward PSLF.

How should I handle taxes on 1099 or locum work?

Contract income has no tax withheld, so you typically make quarterly estimated payments. You may also be able to open a Solo 401(k) or SEP-IRA to save more and reduce taxes on that income.

Can I contribute to both a 403(b) and a 457(b)?

Yes. Many hospital and government employers offer both, and each has its own contribution limit, so you can save in both at the same time. 457(b) plans also have different withdrawal rules, which can help if you retire early.

Getting started

Your first meeting is free, with no obligation. If you have them handy, it helps to bring: your student loan details, a recent pay stub or offer letter, last year’s tax return and statements for your retirement accounts. Nothing is required for the first conversation.

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