THe MoneyRx for CRNAs and NPS Podcast

The Three-Account Swap Costing W-2 APRNs Six Figures

A CRNA earning $230,000 can max her 403(b), max her family HSA, and save steadily in a brokerage account, then lose years of growth to taxes because each account holds the wrong investment. Brett Fellows, CFP®, explains why asset location is the portfolio leak a hospital-employed APRN can fix this year, and which investments belong in which account.

How Retirement Rewrites Your Taxes

A CRNA or nurse practitioner who’s spent a career on a W-2 paycheck has rarely had to think much about taxes, since someone else always handled it. Retirement hands that job over, along with income taxed several different ways and, in some cases, nothing withheld at all unless you ask. Brett Fellows, CFP®, walks through what to expect once work becomes optional.

Why the CRNA Retirement Red Zone Starts Earlier Than It Looks
A CRNA sprinting from her early 30s toward a target retirement at 55 doesn’t get the standard five-year window to de-risk her portfolio before she stops working. Brett Fellows, CFP®, builds out a hypothetical CRNA’s glide path and withdrawal rate math in the newest episode of MoneyRx, and the numbers raise a question about what happens if the market turns before she’s had the years to prepare for it.

Why Your Income Plan Has to Come Before Your Portfolio Mix

A stock and bond mix based on your age can only carry a retirement so far, especially for a CRNA or nurse practitioner without a steady pension to lean on.

The Social Security Decision That Doubles as a Portfolio Decision
Your Social Security claiming age functions like a portfolio management decision, one that can cost a CRNA or nurse practitioner hundreds of thousands of dollars depending on what the market does during your first few years of retirement.

2.8M Saved. Why can’t I let myself go on this family trip?”
A retiree with $2,800,000 saved and a paid-off house turns down a $6,000 family trip because they might need the money. The plan supports over $100,000 a year in spending before Social Security even enters the picture. Brett Fellows walks through why the fear shows up anyway, and what changes once you run your own numbers.