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On Point CRNA 👋🏻 Hi, we’re On Point CRNA. Focused on helping CRNAs across the country achieve financial wellness 💉📚💰

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Before clicking “keep the same” on your retirement benefits, check what you are actually keeping.Confirm the match, vest...
10/08/2026

Before clicking “keep the same” on your retirement benefits, check what you are actually keeping.

Confirm the match, vesting, investment costs and current contribution elections. If you have a 457(b), identify the plan type and learn what happens when you leave.

Use your employer’s actual election window. This checklist is useful whenever you review benefits, not just during open enrollment.

Save it and read the plan comparison:
https://onpointcrna.com/crna-retirement-403b-vs-457-plans/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

The higher hourly rate is only the first line of the comparison.A W-2 offer and a 1099 contract need the same assumption...
10/06/2026

The higher hourly rate is only the first line of the comparison.

A W-2 offer and a 1099 contract need the same assumptions: paid hours, time off, insurance, retirement benefits, taxes and the costs of running the business.

Then consider schedule control, contract stability and how much administration you actually want to own.

The headline rate is easy to compare. The household outcome takes a little more work.

Use the guide to organize the decision:
https://onpointcrna.com/1099-vs-w2-for-crnas/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

Strong numbers can hide disconnected decisions.This hypothetical CRNA household had $555,000 in gross inflows and $1.12 ...
09/29/2026

Strong numbers can hide disconnected decisions.

This hypothetical CRNA household had $555,000 in gross inflows and $1.12 million in assets. The missing piece was coordination between the business, payroll, retirement plans, taxes and investments.

Gross inflows include practice revenue before business costs. They are not take-home income. And the case study is a teaching example, not a promise of what another household will save.

Read the full walkthrough:
https://onpointcrna.com/1099-crna-financial-planning-case-study/

Want a clearer starting point for your own plan? Explore the Free Checkup:
https://onpointcrna.com/free-checkup/

Hypothetical educational case, not a testimonial, typical result or savings guarantee. Not individualized financial, investment, tax or legal advice.

Would a bigger paycheck actually change your savings rate?It depends on what happens before the extra money becomes ordi...
09/24/2026

Would a bigger paycheck actually change your savings rate?

It depends on what happens before the extra money becomes ordinary spending.

Savings Rate measures repeatable saving. Under the Elements method used in our guide, employer contributions go into both the savings total and the income denominator.

Which habit makes saving easier for you: payday automation, a raise rule, or a monthly check-in? No account balances needed.

Formula and calculator:
https://onpointcrna.com/savings-rate-guide-crna/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

Two retirement plans on your benefits sheet. Two different sets of rules.The first question is whether your 457(b) is go...
09/22/2026

Two retirement plans on your benefits sheet. Two different sets of rules.

The first question is whether your 457(b) is governmental or nongovernmental. That answer changes creditor exposure, rollover options and the withdrawal conversation.

A 403(b) and a 457(b) generally have separate contribution limits, but the best funding order still depends on the match, costs, access and your household plan.

Save this comparison and bring the questions to your benefits team:
https://onpointcrna.com/crna-retirement-403b-vs-457-plans/

General education, not individualized financial, investment, tax or legal advice. Personal circumstances and plan rules matter.

1099 CRNAs: your third standard federal estimated payment for 2026 is due today, September 15.Before the day gets away f...
09/15/2026

1099 CRNAs: your third standard federal estimated payment for 2026 is due today, September 15.

Before the day gets away from you, confirm the amount, make sure the funds are available, and save the payment confirmation. A transfer still in progress is not a tax payment.

Swipe through the full 10-slide guide for the reserve decision tree, account comparison grids and a safe-harbor example. The goal is simple: preserve the money, make it available on time, then earn a return.

Open the guide and federal safe-harbor calculator:
https://onpointcrna.com/tax-reserve-for-1099-crnas/

Check the calculator's supported tax year before using its results. A safe-harbor target can still leave a balance at filing.

General education, not individualized tax, legal or investment advice. Standard individual federal dates; state rules, exceptions and relief may differ. Confirm your amount and deadline with your tax professional.

“Are you a fiduciary?” is a good question.It’s just not enough.A polished website can use words like *fiduciary*, *compr...
07/27/2026

“Are you a fiduciary?” is a good question.

It’s just not enough.

A polished website can use words like *fiduciary*, *comprehensive*, and *holistic* before breakfast. What matters is whether the advisor can clearly explain:

• What they actually do
• How everyone gets paid
• What isn’t included
• Who handles tax planning
• Where your money will be held
• What happens if you decide to leave

That interview matters even more for CRNAs. W-2 income, 1099 work, student loans, multiple retirement plans, business decisions, and multi-state taxes have a habit of wandering into the same room.

I put together 12 questions to ask before hiring a financial advisor, plus a scorecard you can use during the conversation.

If the answers require 47 pages of fine print and an interpreter, consider that part of the answer.

Read the full guide:
https://onpointcrna.com/crna-financial-advisor-buyers-guide/



Disclosure: This content is for educational purposes only and is not individualized financial, investment, tax, legal, insurance, or accounting advice. Barnhart Wealth Management, doing business as On Point CRNA, is a registered investment adviser. Registration does not imply a certain level of skill or training. Credentials, registration, and compensation structure do not guarantee competence or results. Verify any financial professional’s background, services, fees, and disciplinary history independently before hiring them.

Most 1099 CRNAs ask, “Should I open a SEP IRA?”Better question: “Should I be comparing the SEP IRA to a Solo 401(k) befo...
06/17/2026

Most 1099 CRNAs ask, “Should I open a SEP IRA?”

Better question: “Should I be comparing the SEP IRA to a Solo 401(k) before I decide?”

In this video, I break down retirement-plan choices for 1099 and locum CRNAs in plain English — including SEP IRAs, SIMPLE IRAs, Solo 401(k)s, Roth contributions, after-tax contributions, and when a mega backdoor Roth strategy may become part of the conversation.

The big takeaway: a SEP IRA can be simple, but simple is not always the same as best. For many high-income solo 1099 CRNAs with no non-owner employees, the Solo 401(k) is often the plan worth understanding first because it may offer more flexibility around employee deferrals, employer contributions, Roth options, and advanced plan design.

Watch the full video here: https://youtu.be/rifXAIJi1Is

Disclosure:
This content is for educational purposes only and should not be construed as individualized tax, legal, investment, insurance, or retirement-plan administration advice. Retirement-plan rules are complex and depend on your entity structure, income, employee status, payroll setup, existing retirement plans, IRA balances, and plan document terms. Consult your CPA/EA, financial advisor, attorney, payroll provider, and/or third-party administrator before implementing any strategy. Advisory services are provided through Barnhart Wealth Management LLC DBA On Point CRNA, a registered investment adviser. Registration does not imply a certain level of skill or training. Investments involve risk and may lose value. Past performance does not guarantee future results.

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Ever looked at a payroll report and thought, “Wait… why doesn’t this match the W-2?”You’re not alone. This is one of tho...
03/06/2026

Ever looked at a payroll report and thought, “Wait… why doesn’t this match the W-2?”

You’re not alone. This is one of those things that trips up a lot of S-corp CRNAs. The short answer: your W-2 shows taxable wages, not everything that ran through payroll. Pre-tax deductions, reimbursements, and benefit adjustments can all change the final number. 

In this quick breakdown, I walk through the most common reasons the numbers don’t line up and what it actually means (hint: it’s usually not an error).

If you run payroll or receive a W-2, this is worth a quick read.

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👉 https://onpointcrna.com/payroll-report-vs-w2-not-matching/

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Disclaimer:
Barnhart Wealth Management (DBA On Point CRNA) is a registered investment adviser offering services in Michigan and other jurisdictions exempt from registration. This content is for informational purposes only and does not constitute advisory services or sales of securities. All views, expressions, and opinions in this communication are subject to change. Investing involves risk, including loss of principal. Comments and recognitions do not guarantee future results.

02/26/2026

Unlock the secret to tax-efficient investing! 💡 Did you know there's a loophole called the backdoor Roth? With a clever move like a reverse rollover into your Solo 401k, you can sidestep the pro-rata rule and grow your retirement savings smarter. Ready to level up your financial game? 🚀

Q&A from Webinar w/ Discovery Anesthesia (CE Provider).

Disclaimer:
Barnhart Wealth Management (DBA On Point CRNA) is a registered investment adviser offering services in Michigan and other jurisdictions exempt from registration. This content is for informational purposes only and does not constitute advisory services or sales of securities. All views, expressions, and opinions in this communication are subject to change. Investing involves risk, including loss of principal. Comments and recognitions do not guarantee future results.

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