On This Episode:
As the year comes to a close, many CRNAs find themselves focused on family, travel, and well-deserved rest. But year-end is also one of the most important times to pause and take stock of your financial picture. Small, intentional decisions made before December 31 can have an outsized impact on your long-term success.
In a special holiday episode of Beyond the Mask, Jeremy and Sharon walk through a ‘CRNA Christmas list’ with 12 financial moves designed to help you finish the year strong and start the next one with confidence.
The checklist begins with year-end tax planning, including maximizing 1099 deductions, cleaning up bookkeeping, and ensuring retirement contributions are on track. These steps are especially important for high-income professionals, where missed opportunities can quickly become expensive mistakes. Roth strategies, HSAs, and refundable tax credits are also highlighted as ways to build tax diversification and long-term flexibility.
Beyond taxes and savings, let’s also look to protection and preparation. Reviewing beneficiaries, disability coverage, and estate documents may not feel festive, but they are essential to protecting the people and income you care about most. We encourage CRNAs to review contracts, compensation rates, and benefits to ensure they align with current market realities.
Finally, the checklist ends where the next chapter begins: setting clear goals for the year ahead. Whether that’s paying down debt, transitioning to 1099 work, saving more aggressively, or simply creating more balance, intentional planning turns income into progress.
The takeaway is simple: year-end planning isn’t about adding more stress during the holidays. It’s about gaining clarity. Taking time now to review, adjust, and plan allows you to enter the new year with confidence, direction, and peace of mind.
Here’s some of what you’ll hear in this episode:
💰 Roth, Retirement & Tax Strategy Decisions - Why tax diversification matters and how Roth strategies fit long-term plans.
📒 1099 & Bookkeeping Cleanup - What independent CRNAs should finalize before December 31st.
🛡️ Protecting Your Family & Income - Beneficiaries, disability insurance, estate planning, and risk management.
🎯 Setting Intentional Goals for the Year Ahead - Turning income into progress with clear financial goals and direction.
Go Inside the Episode:
0:00 – Intro
1:51 – Gift #1: Deductions
4:08 – Gift #2: Retirement Contributions
6:14 – Gift #3: Roth
8:58 – Gift #4: Refundable Credits
10:33 – Gift #5: Prepare for Big Beautiful Bill Changes
14:33 – Gift #6: Year-End Book Keeping
17:38 – Gift #7: W-2 Benefits
20:36 – Gift #8: Review Contracts
21:56 – Gift #9: Protect Your Family
20:15 – Gift #10: Charitable Giving
28:19 – Gift #11: Net Worth Review
29:50 – Gift #12: Set Your Goals
Important Links:
- Get Financial Planning Guidance Tailored for CRNAs
- The 1099 CRNA Institute
- Donate to Our Heart Your Hands
- Earn MAC Dev Credit
"If you don’t plan before year-end, the opportunity is gone.”
- Jeremy Stanley, EA, CFP®, AIF®
