Chamber CPAs & Advisors serves independent physicians, specialty practices, and other physician-owners with proactive accounting, tax, and advisory services. We focus on identifying opportunities that are often missed in traditional physician compensation arrangements and helping clients build a financial framework that supports long-term success.
If any of these sound familiar, we should talk
· You
have W-2 income and meaningful 1099 income (locums, telehealth, consulting,
expert witness work), but no one has clearly evaluated entity structure or tax
strategy.
· You
are a partner in a small practice, and your K-1 allocations do not align with
your distribution checks, with limited explanation of why.
· You
are comparing a W-2 offer to an independent contractor offer without clear
after-tax, after-expense analysis.
· You
are considering—or already own—the building or medical office condo where your
practice operates.
· You
are earning a high six-figure or low seven-figure income, but your planning has
not moved beyond a standard retirement framework.
What we do for physicians
· Strategic
Tax Planning & CFO Advisory: Structure and compensation planning for
physicians with W-2 and 1099 income, including S-corp evaluation, salary
calibration, and ongoing tax strategy.
· Practice
Financial Reporting: Clear visibility into production,
overhead, and profitability across providers and locations.
· Partner
& Ownership Modeling: Buy-in, buy-out, and compensation
structuring for physician groups.
· Tax
Preparation: Federal and multi-state compliance for
physicians with multi-state and locum income.
· Compliance
& Regulatory Filings: Entity, payroll, and healthcare practice
requirements.
· IRS
& State Notice Support: Representation and resolution when
correspondence arrives.
· Real
Estate Entity Structuring: Advisory for medical office ownership,
lease structuring, and tax planning related to real estate.
Why physicians pick Chamber CPAs
Most
CPAs who work with physicians treat them as high-income W-2 earners with a tax
problem. That overlooks where the real leverage exists. In many cases, the
structure of 1099 income, entity selection, and compensation design creates
significantly more opportunity than tax filing alone. A properly structured
S-corp on meaningful side income can materially improve after-tax results. For
high earners, correctly designed retirement and deferred compensation
strategies can further shift taxable income in a meaningful way. Real estate
introduces another layer. The ownership structure of a medical office condo or
practice facility can materially affect long-term tax outcomes over decades.
These are not standard compliance decisions—they are structural planning
decisions. Chamber CPAs is built for that level of work.
What you'll pay
Flat
monthly fee, set after the diagnostic. Solo physicians and 1099-heavy
professionals typically range from $400–$1,000 per month for personal and
entity-level support. Small group practices generally range from $1,500–$4,000
depending on complexity. No hourly billing for routine calls or ongoing
support. No surprise invoices for a question.
Process
Free
Discovery Call: A high-level discussion to
understand your portfolio, income structure, and planning priorities.
Free
Diagnostic: We review last two years of your tax
returns and current books, then provide a written assessment outlining what may
be costing you, planning opportunities, and recommended changes.
Onboarding: If
we proceed, we transition your accounting system, organize your books, and
bring financial records current by the following month-end.
Yes. The structure of your income significantly affects entity strategy, tax planning, and retirement design. We help determine whether additional structuring (such as an S-corp or separate entity planning) is appropriate based on your total income profile.
In most cases, the issue is not obvious from a tax return alone. We review your structure, income sources, and compensation design to identify whether planning opportunities are being missed or underutilized.
Yes. We model the full comparison—after-tax income, expenses, entity structure, retirement implications, and cash flow—so you can evaluate both options on a true net basis.
Yes. We review the buy-in structure, projected distributions, tax impact, and financing terms, and provide a clear financial breakdown before you commit.
For most physicians with meaningful income, tax preparation alone is backward-looking. Proactive planning allows you to structure compensation, entity design, and timing strategies before year-end decisions lock everything in.
Yes—and in many cases, coordination is essential. Tax planning, entity structure, and investment strategy are interconnected. We align directly where needed to ensure decisions are consistent across both sides.