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Tax Planning

Keep more of what you earn with proactive tax planning

Minimize your tax burden with smart deductions

Get tax-smart investing strategies tailored to you

Receive expert advice year-round

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We're so confident you'll love us, we'll add $1,500 to your account when you join Forme!*

Prefer to talk now? Call 914-417-4556

* Offer is valid only when you open an account with at least $500,000 in cash or securities. Offer terms and conditions can be found here.

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What’s Included

Coordinated and proactive tax planning

We help you strategize the best way to minimize your taxes.

Minimize Income Tax

We synchronously plan across all elements of your wealth, with the goal of minimizing your annual tax burden.

Tax Efficient Investing

We continuously review your portfolio using advanced technology that identifies tax-loss harvesting opportunities and tax-smart asset location strategies. This helps reduce the impact of taxes on your portfolio returns while managing risk.

Minimize Estate Tax

Coordinated planning across all elements of wealth, with the goal of minimizing state and federal estate taxes upon death of client(s).

Managing Deductions

We identify steps to take throughout the year to maximize tax credits, deductions, and exemptions that you may be eligible for.

Tax Efficient Distribution

We devise strategies to source your investment, pensions, social security, and other income streams in a tax-efficient manner. This can increase the longevity of your income or the amount of income available to achieve your goals.

Why partner with Forme to manage your taxes?

Unlike other segmented services, we have a 360° view of your wealth.

That means we can deliver the most comprehensive, optimized tax management plan—personalized to every aspect of your financial life.

Get Started

Prefer to talk now? Call 914-417-4556

Why our clients love
Forme Financial.

Testimonials from physicians like you.

“What [Forme] saved me more than paid for their management fee – which was also lower than I was paying my prior advisor.  I sleep better at night knowing I have exceptional expertise and care just like what I provide to my patients, all in one place.”

— W. Song. M.D.

“So far Forme has been exactly what I hope they’d be. I was nervous out of training since I had no financial skills to speak of and mountains of debt.  They have made it easy for me to generate a plan and know where my money is going. I am genuinely excited about the future with Forme and love nerding out on all the data they provide.”

—  Joshua C, Urologist

“As an orthopedic surgeon I am super busy, so it's difficult to keep up with my financial matters. Forme does most of the work for me, freeing up invaluable time and coordinating all the interconnected facets of my net worth with such ease.”

— Anon., Orthopedic Surgeon

Testimonials provided by current clients. Clients are not paid for providing testimonials.
Get Started

Prefer to talk now? Call 914-417-4556

Why Forme

No one does it like Forme Financial.

360° Wealth Management

We’re the first wealth management firm built specifically for physicians—and we have a concierge service that prioritizes your schedule & needs.

Expert
Advisors

All of our advisors are highly knowledgeable, credentialed fiduciaries who deliver unified advice across each area of your financial life.

Guaranteed Satisfaction

We’re committed to bringing you the highest level of service. If you are not completely satisfied with our efforts, we will refund your advisory fee.

Frequently asked questions

Learn more

or call us now

Why is tax planning important for physicians?

As a physician working long hours, your capacity to stay abreast of the ever-evolving tax code—from tax credits and deductions to available exemptions—is limited. By engaging a professional with physician-specific tax expertise, you avoid the stress and hassle of preparing your taxes while increasing the likelihood of finding strategies to reduce your tax liability. Tax planning is dynamic. Your circumstances change over time, as do the tax laws. 

Forme Financial’s advisory team combines the human touch with tax-smart technology to identify year-round opportunities to minimize your taxes. Some of these strategies include tax-loss harvesting, gain deferral, tax budgets, and asset location strategies—learn more (https://www.formefinancial.com/talk-to-us/enter-basic-details) about how we can help you, today.

What are some common ways physicians can lower their income taxes?

Physicians are in the top 5% of earners in the U.S. and often pay $100,000 or more in local, state, and federal taxes. Despite being in higher tax brackets, there are effective ways for physicians to reduce their taxes. Strategies may include maximizing your retirement plan contributions, harvesting capital losses against gains, and itemizing deductions by bunching multiple years of charitable deductions into one year. Forme Financial’s advisory team can help determine what options exist for you to potentially lower your income tax liability.

How much does tax preparation cost?

According to a recent Medscape report*, physicians pay on average nearly $1,000 for tax preparation. Basic tax preparation for physicians who engage Forme Financial for wealth management services are included in our advisory fee*. Complex returns may have additional tax preparation fees. Besides these potential cost savings, Forme also provides coordinated, proactive tax planning throughout the year, potentially saving thousands of dollars in reduced tax liability for our physician clients.

*Source: Medscape’s 2022 Physicians and Taxes report (https://www.medscape.com/slideshow/2022-tax-report-6015472#1).
**Certain limitations or exclusions may apply.  See our pricing page or speak to a Pro Forme Advisor for more information.

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