1099 CRNAs: Are You Saving Taxes Today but Paying More in Retirement? | Ep. 31
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✅ Get your free 1099 CRNA Tax Checkup here: https://crnataxes.kit.com/crna-tax-checkup (https://crnataxes.kit.com/crna-tax-checkup)
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What if the retirement plan that's saving you thousands of dollars in taxes today ends up costing you more in taxes when you retire?
For a 1099 CRNA earning $350,000 or $450,000 a year, a large retirement contribution can mean a substantial tax deduction today.
But are you really saving taxes, or are you just putting them off until later?
In this episode of Money Moves for CRNAs, Randy Larkin, CPA, explains why retirement tax planning involves more than maximizing this year's deductions. The decisions you make today can affect how much of your retirement savings you'll actually have available to spend.
In this episode, you'll learn:
Why a retirement tax deduction today doesn't necessarily eliminate taxes later
What happens when you begin withdrawing money from traditional retirement accounts
Why you shouldn't automatically assume you'll be in a lower tax bracket when you retire
How required minimum distributions (RMDs), Social Security, and other income may affect your retirement taxes
Why your Solo 401(k), SEP IRA, Roth contributions, and defined benefit pension options deserve a closer look
How your S-Corp salary can affect your retirement contributions
Why the balance in your retirement account isn't necessarily the amount you'll have available to spend
Why retirement tax planning should begin while you're still earning good money
A retirement account with $2 million may look impressive. But if part of that money will eventually go toward income taxes, the account balance doesn't tell the whole story.
The goal isn't just to save taxes this year.
It's to build wealth and manage what you'll pay in taxes over your lifetime.
If you're a 1099 CRNA and haven't looked closely at how your retirement savings fit into your overall tax strategy, download the free 1099 CRNA Tax Checkup using the link above. Review the retirement and wealth-building questions to see what may deserve a closer look.
🎧 Educational purposes only. Not personalized tax or financial advice.
Chapters:
00:00 – Welcome to Money Moves for CRNAs
00:29 – Are You Really Saving Taxes or Just Delaying Them?
01:25 – What Happens When You Withdraw Retirement Money?
02:27 – Will You Really Be in a Lower Tax Bracket?
03:00 – Required Minimum Distributions and Retirement Taxes
03:42 – Retirement Plan Options for 1099 CRNAs
04:54 – How Much of Your Retirement Money Will You Keep?
05:35 – Why Retirement Tax Planning Should Start Now
05:55 – Free 1099 CRNA Tax Checkup
Music licensed from PremiumBeat.com under License #7394047 (https://app.box.com/s/mew4vksg4qp7dfh2cw8x7mg218iw7t3a).
30 Sept 2026
1099 CRNA S-Corp Salary: What Goes Into Reasonable Compensation? | Ep. 30
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✅ Get your free 1099 CRNA Tax Checkup here: https://crnataxes.kit.com/crna-tax-checkup (https://crnataxes.kit.com/crna-tax-checkup)
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If someone asked you today how you came up with your S-Corp salary, could you explain the calculation?
Or could you only tell them the number?
For a 1099 CRNA with an S corporation, reasonable compensation should not simply come from a percentage of income, another CRNA’s salary, or last year’s number. It should reflect the work you are actually doing.
In this episode of Money Moves for CRNAs, Randy Larkin, CPA, explains what should go into a reasonable compensation calculation and why two CRNAs with the same business income may still have very different S-Corp salaries.
In this episode, you’ll learn:
Why your hours and weeks worked matter when calculating reasonable compensation
Why two CRNAs earning the same amount may have different S-Corp salaries
Why clinical work is not the only work that may count
How payroll, bookkeeping, contracts, credentialing, banking, and other business duties can matter
Why your location, contracts, and work setting may affect the facts behind your salary
Why a large increase in business income does not automatically mean your salary should increase by the same percentage
Why reasonable compensation should not simply be based on a percentage of business income
Why you should be able to support how your S-Corp salary was calculated
The goal is not to pick the lowest salary you think you can get away with.
The goal is to have a salary that is reasonable and supportable based on the work you actually performed.
Because reasonable compensation should start with the facts behind the number—not the number itself.
If you already have an S corporation but wonder whether there are other parts of your tax setup you may be missing, download the free 1099 CRNA Tax Checkup using the link above.
🎧 Educational purposes only. Not personalized tax or financial advice.
Chapters:
00:30 – Could You Explain Your S-Corp Salary?
01:04 – Why Your Hours and Weeks Worked Matter
01:50 – Your Clinical and Non-Clinical Work
02:30 – Location, Contracts, and Work Setting
03:02 – What If Your S-Corp Income Goes Up?
03:47 – Can You Support Your Salary Number?
04:24 – Why Reasonable Compensation Can Change
04:46 – The Big Question for 1099 CRNAs
04:58 – 1099 CRNA Tax Checkup
Music licensed from PremiumBeat.com under License #7394047 (https://app.box.com/s/mew4vksg4qp7dfh2cw8x7mg218iw7t3a)
15 Sept 2026
1099 CRNA S-Corp Salary: Should It Change Every Year? | Ep. 29
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✅ Get your free 1099 CRNA Tax Checkup here: https://crnataxes.kit.com/crna-tax-checkup (https://crnataxes.kit.com/crna-tax-checkup)
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If your S-Corp salary was $180,000 last year, should you automatically use $180,000 again this year?
Maybe. But not just because that was your salary last year.
For a 1099 CRNA with an S corporation, reasonable compensation should reflect what is actually happening in your business. Your hours may change. Your responsibilities may change. Your contracts may change. And your business income may change.
In this episode of Money Moves for CRNAs, Randy Larkin, CPA, explains four reasons your S-Corp salary may deserve another look.
In this episode, you’ll learn:
Why last year’s S-Corp salary may not automatically work this year
How changes in the number of hours you work can affect reasonable compensation
Why your duties and responsibilities matter when reviewing salary
How a new contract or work setting can change the facts behind your salary
Why a large change in business income may be a reason to review your compensation
Why reasonable compensation is not simply a percentage of business income
Why copying another CRNA’s salary may not fit your situation
Why the goal is a reasonable and supportable salary based on your own facts
You do not necessarily need to change payroll every time something small happens. But when your business changes in a meaningful way, your reasonable compensation deserves another look.
Because a salary that made sense last year may not make sense this year.
If you already have an S corporation but wonder whether there are other parts of your tax setup you may be missing, download the free 1099 CRNA Tax Checkup using the link above.
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🎧 Educational purposes only. Not personalized tax or financial advice.
Chapters:
00:29 – Should You Use the Same S-Corp Salary Again?
00:47 – Why Your Reasonable Compensation Can Change
01:18 – #1: Your Hours Changed
02:08 – #2: Your Duties and Responsibilities Changed
02:48 – #3: Your Contract or Work Setting Changed
03:33 – #4: Your Business Income Changed
03:55 – Why a Percentage of Income Is Not the Answer
04:27 – The Big Takeaway for 1099 CRNAs
04:58 – 1099 CRNA Tax Checkup
Music licensed from PremiumBeat.com under License #7394047 (https://app.box.com/s/mew4vksg4qp7dfh2cw8x7mg218iw7t3a)
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