- Our Team
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Meet the Team
At Beaird Harris, you gain the strength of an integrated team — tax, accounting, and wealth management professionals united in helping you achieve clarity, confidence, and lasting success. Together, we bring your financial picture into focus so you can move forward with purpose.
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Wealth Management ⟶ New Doctor Program
Financial Planning for Physicians Entering Practice
Fee-only, fiduciary planning through the Beaird Harris WealthGuideSM process, for the years when the money gets complicated all at once.
Ranked No. 3 in the nation on CNBC’s Financial Advisor 100 for 2026, and named seven consecutive years.1
A decade of training, and then everything arrives at once.
For most of the last decade, the answer to every financial question was the same: pay down the loans. Now the income is real, a contract has terms you have never negotiated, and the tax bill on a full attending year is larger than anything you have paid. Some of our clients are still working the debt down. Others have money left at the end of the month for the first time and no framework for where it should go. Either way the complexity arrived faster than the time you have to think it through.
Sound familiar?
A New Question
“I have money left over each month for the first time and no framework for where it should go.”
Everyone Is Selling
“Several people have pitched me insurance and investments. I cannot tell which one of them is advice.”
Nobody Taught This
“I am a 1099 contractor and apparently I can open my own retirement plan. I have no idea which one.”
Making Up for Time
“My friends have been investing for ten years. I am starting now and want to catch up intelligently.”
You are not behind. You are at the start of the accumulation phase in a career with a steeper income curve than almost any other, and the decisions made in these first years compound the longest. That cuts both ways: a year spent deciding is a year those decisions are not working for you, and the ones that are hardest to undo — coverage bought before it was reviewed, a repayment path chosen by default, a contract signed as written — are the ones that arrive first. The New Doctor Program exists because this window opens years before most firms will take the call.
Who This Is For
Physicians finishing residency, recently out of training, or a few years into practice, from sole practitioners to those contracting with larger medical groups. The program fits physicians with the ability to capture $100,000 or more a year in long-term savings.
- Finishing residency or fellowship this year, or recently finished
- Able to capture $100,000 or more a year in long-term savings
- Weighing employment against practice ownership or a buy-in
- Reviewing a first or second employment contract
- Contracting with a medical group, or moonlighting alongside a W-2
- Wanting advice from someone who is not selling a product
What You Can Expect
What Changes When You Work With Us
You know where every dollar is going.
A plan for what you pay yourself, what goes to taxes, what pays down debt, and what gets invested. No more deciding month to month.
You get a recommendation, not a reading list.
Repayment path, coverage, retirement plan, contract terms. We do the research and bring you an answer with the reasoning behind it, so a decision takes a conversation rather than a weekend.
Nobody is selling you anything.
We are fee-only and paid by our clients alone. When we tell you a policy is wrong for you, there is no version of that answer that pays us more.
You stop carrying it alone.
Between shifts, charting, and boards, the financial side is the thing that slips. Handing it to a team is the point.
You get the same Beaird Harris WealthGuideSM process our established clients receive, sequenced for where you actually are. Protection and the remaining debt decisions get settled first, then the savings structure, then the portfolio.2
We are fee-only. Our compensation comes from our clients and no one else. We do not sell insurance or investment products, and we accept no commissions, referral fees, or third-party payments of any kind, so nothing in your financial plan exists to earn us anything.
We also quarterback everything with a dollar sign on it. We can coordinate with your attorney, your insurance broker, your CPA, and your employer’s benefits team, so you are not the one carrying information between them.
Most physicians leaving training are paid one way or the other, and sometimes both in the same year. The disciplines are the same; the decisions inside them are not.
Employed by a Hospital, Health System, or Group
A W-2 with a benefits package. The work is reading the offer correctly, using the plans your employer provides, and
finding where the group coverage falls short.
finding where the group coverage falls short.
- Contract & Benefits Review
- Student Loan Repayment Strategy
- Debt Reduction vs. Savings
- Cash Flow Modeling
- First Home Purchase & Physician Loans
- Education Planning
- Evidence-Based Philosophy
- Globally Diversified Portfolios
- Asset Allocation
- Employer Plans: 401(k), 403(b), 457 or ORP
- Maximizing the Employer Match
- Asset Location
- Low-Cost & Tax-Efficient
- Backdoor & Mega Backdoor Roth
- Insurance Review
- Own-Occupation Disability Coverage
- Employer Group Coverage Gap Analysis
- Life Insurance
- Professional Liability Alignment
- Home, Auto & Umbrella
- Asset Protection Strategies
- Coordination With Your Employer’s Benefits Team
- Coordination With Your Insurance Broker
- Estate Structure & Strategy Review
- Beneficiary & Estate Coordination
- Wills, Trusts & Powers of Attorney
- Guardianship for Minor Children
- Asset Titling Coordination
- Charitable Giving & Philanthropic Planning
- Coordination With Your Estate Attorney
- Tax Planning & Strategy
- Tax Return Preparation
- Federal Income Tax
- State & Local Tax
- Multi-State Filings, Locum & Cross-Border Work
- Moonlighting Income Alongside a W-2
- Partnership Track & Practice Buy-In
2 While it is not required to use both firms, many clients value the simplicity of working with a single enterprise to integrate wealth management and tax. The scope of services depends upon the terms of the engagement and the specific requests and needs of the client. Beaird Harris does not serve as an attorney or insurance agent, does not prepare legal documents, and does not sell insurance products. If engaged to do so, Beaird Harris Wealth Management, LLC can provide tax preparation services through our CPA affiliate, Beaird Harris, PLLC, subject to a separate engagement and fee.
Most physicians leaving training are paid one way or the other, and sometimes both in the same year. The disciplines are the same; the decisions inside them are not.
Independent Contracting With a Larger Medical Group
A 1099 with no benefits and no withholding. It is more work, and it opens retirement plan options and deductions a W-2 employee never gets. Most of the physicians in this program are here.
- Contract & Rate Review
- Modeling 1099 Pay Against an Employee Offer
- Student Loan Repayment Strategy
- Debt Reduction vs. Savings
- First Home Purchase & Physician Loans
- Education Planning
- Evidence-Based Philosophy
- Globally Diversified Portfolios
- Asset Allocation
- Small Business Plans: Solo 401(k), SEP & SIMPLE
- Cash Balance & Defined Benefit Design
- Asset Location
- Low-Cost & Tax-Efficient
- Backdoor & Mega Backdoor Roth
- Insurance Review
- Building Coverage Without an Employer Plan
- Own-Occupation Disability Coverage
- Life Insurance
- Professional Liability Alignment
- Home, Auto & Umbrella
- Asset Protection Strategies
- Coordination With Your Insurance Broker
- Estate Structure & Strategy Review
- Beneficiary & Estate Coordination
- Wills, Trusts & Powers of Attorney
- Guardianship for Minor Children
- Asset Titling Coordination
- Charitable Giving & Philanthropic Planning
- Coordination With Your Estate Attorney
- Tax Planning & Strategy
- Tax Return Preparation
- Federal Income Tax
- State & Local Tax
- Entity Structure & Reasonable Compensation
- Quarterly Estimates & Self-Employment Tax
- Cash Flow Modeling on Uneven Income
- Planning Around Shift, Locum & Stipend Income
- Deductible Business Expenses
- Multi-State Filings, Locum & Cross-Border Work
2 While it is not required to use both firms, many clients value the simplicity of working with a single enterprise to integrate wealth management and tax. The scope of services depends upon the terms of the engagement and the specific requests and needs of the client. Beaird Harris does not serve as an attorney or insurance agent, does not prepare legal documents, and does not sell insurance products. If engaged to do so, Beaird Harris Wealth Management, LLC can provide tax preparation services through our CPA affiliate, Beaird Harris, PLLC, subject to a separate engagement and fee.
Under One Roof
The Advantage of Adding Tax
Tax services come from our CPA affiliate, Beaird Harris, PLLC, under a separate engagement. Many of our wealth management clients choose to add them, though it is certainly not a requirement.
If you are paid on a 1099, this is where most of the early work happens. Your financial plan and your tax return are built from the same information, and the planning happens year-round rather than after the fact.
The First Year Nobody Withholds For
Nothing is withheld from 1099 income. The full amount lands in your account, and the tax on it comes due in quarterly installments you have never made before. We set the estimates and the reserve so the first April is a formality rather than a shock.
Entity Selection and Reasonable Compensation
Contractor income raises two separate questions: whether to form an LLC, and how that entity should be taxed. The answers depend on your net income, your state, and what you plan to defer, and they carry through to self-employment tax and the retirement plan you can build on top of them. Worth a conversation before you file anything.
Deductions an Employee Never Gets
Licensing, credentialing, malpractice premiums, CME and travel, home office, and equipment are deductible against 1099 income when they are documented correctly. Documented correctly is the operative phrase.
Income That Arrives in More Than One Form
Many physicians hold a W-2 position and 1099 work in the same year. Each carries its own withholding, self-employment tax, and retirement plan options, and on one return they can be planned against each other.
Cash Flow Rx
For physicians paid on a 1099, a month-by-month plan for what you pay yourself, what goes to the IRS, and what goes to retirement, built from your actual revenue and expenses. We set it up to run on its own, then revisit it during tax planning and any time income moves beyond what we planned for, in either direction.
The Books
If You Are Paid on a 1099, the IRS Treats You as a Business
That means income and expenses to track, quarterly deadlines to hit, and a return built on records nobody is keeping for you. Bookkeeping comes from the same CPA affiliate, and for most physicians in this program it is the piece that makes everything else work.
Books Kept on a Schedule That Fits
Monthly, quarterly, or semi-annual depending on the package you choose, so nothing is reconstructed from a year of bank statements the week before a deadline.
Deductions Captured as You Go
Licensing, malpractice, CME, travel, and equipment recorded and documented through the year, which is what makes them defensible.
Ready for the Return
A year-end package that feeds straight into the return and keeps your quarterly estimates accurate along the way.
Tax and bookkeeping services are provided by Beaird Harris, PLLC. Wealth management services are provided by Beaird Harris Wealth Management, LLC. Engaging one does not require engaging the other.
Evidence-Based Investing
The Same Standard You Practice By
Approaching a set of questions from an evidence-based point of view has profoundly affected the field of medicine, and now investing. Rather than picking stocks, timing the market, or chasing last year’s top funds, we build portfolios around what the historical and statistical evidence actually supports: broad global diversification, low cost, and disciplined rebalancing.
Already Have Accounts Somewhere?
Get a Second Opinion
The same framework, applied to what you already hold: a rollover from residency, a policy someone sold you, an advisor a colleague recommended. We will review what it costs and how it lines up with the plan you actually need. No cost, no obligation, and no pitch.
Our Advisors
Meet Our Wealth Management Advisor Team
You get our whole team. Our culture is built around teams, because letting people do the work they love and are trained to do raises the level of knowledge, specialization, and responsiveness you receive.
Practice Area
- Tax Services
- Outsourced Accounting
- Wealth Management
Common Questions
Frequently Asked Questions
If your question is not here, ask it on the call.
Should I refinance my student loans or pursue forgiveness?
It depends on your employer, your income trajectory, and how many qualifying payments you have already made. Refinancing to a lower rate can be the wrong move if it forfeits forgiveness eligibility, and staying in a federal plan can be the wrong move if forgiveness was never realistic for you. We work through both paths with you before you decide.
What kind of disability insurance do I need?
Your income depends on your ability to practice your specialty, so the definition of disability in the policy matters more than the premium. If your work is procedural, it matters more still: a policy that pays only when you cannot work in any medical capacity is very different from one that pays when you can no longer perform your own specialty. We review whatever coverage you already have, including anything provided through an employer or group, against what an individual own-occupation policy would provide, and identify the gap. We do not sell insurance, so there is no product attached to the recommendation.
Someone is trying to sell me whole life insurance. Should I buy it?
We will look at it with you, and we have no financial reason to want either answer. There are narrow situations where permanent insurance fits a plan, and many more where a term policy at a fraction of the cost does the same job.
I moonlight and get a 1099. What do I need to know?
Nothing is withheld from 1099 income, so the tax on it comes due in a lump unless you plan for it, and it carries self-employment tax that a W-2 does not. It also lets you establish a retirement plan of your own and deduct expenses you could not as a W-2 employee. We handle the estimates, work through the retirement plan options, and set the entity structure so the extra income works for you rather than surprising you.
Do I have to use Beaird Harris for both tax and investments?
No, using both firms is not required. Wealth management comes from Beaird Harris Wealth Management, LLC, and tax and accounting come from our CPA affiliate, Beaird Harris, PLLC. Many clients value having both in one place, though it is certainly not a requirement.
Getting Started
What Happens Next
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It Starts With a Conversation
Where you are in your career, what the contract looks like, what is left on the loans, and what is worrying you. No cost, no obligation, and no preparation needed.
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We Match You With Your Team
A Wealth Manager, and a CPA where tax is part of the engagement. You are a client of the whole firm, not one person.
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We Work the Decisions in Front of You
Protection and the remaining debt decisions first, then the savings structure, then everything that follows. Your financial plan grows as your income and family do, and we are available as decisions arise rather than only at scheduled meetings.
Do I need assets to work with you?
Not in the usual sense. Many people in the program are still net negative when they start with us, because education debt has not yet been offset by savings. What we do look for is capacity: physicians with the ability to capture $100,000 or more a year in long-term savings. Below that, the planning is real but the fit usually is not, and we will tell you that on the first call.
When should I start?
The most valuable window runs from the last year of training through the first few years of practice. Contract terms, disability coverage, the shift from paying down debt to accumulating assets, and the first full attending tax years are all settled in that stretch, and each is easier to get right the first time than to correct later.
How are you compensated?
Beaird Harris Wealth Management charges a percentage of the assets we manage for you, subject to a minimum annual fee. That is our only compensation. We are paid by you and no one else, which means we do not sell insurance or investment products and take no commissions or referral payments from anyone. We act as a fiduciary, so we are required to put your interests first. Tax services are billed separately.
The program fits physicians with the ability to capture $100,000 or more a year in long-term savings.
Prefer to talk first? Call (972) 503-1040.
- Insights
Insights & Resources
From the Blog
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Beaird Harris Named a Top Wealth Manager in Dallas by D Magazine for 2026
Oct 2026
Ginnie Baker Named to D Magazine’s Best Financial Planners in Dallas List for 2026
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An overview of how Beaird Harris integrates investment management, planning, and tax into one cohesive client experience.
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The full picture, at every career stage.
Tax, accounting, and wealth in one place.
Planning and preparation, handled year-round.
The process behind every engagement.
1 Beaird Harris Wealth Management, LLC was ranked No. 3 on the 2026 CNBC Financial Advisor 100 list, published October 8, 2026, and based on data reported in Beaird Harris Wealth Management’s Form ADV on file with the SEC as of that date. The ranking was created by CNBC, an unaffiliated third party, and tabulated by its data partner, AccuPoint Solutions. The ranking is not an evaluation of investment performance or of any client’s experience, and should not be construed as a guarantee of future results or as an endorsement by any client. Beaird Harris Wealth Management paid no fee to be considered for or included in this ranking, and paid a $4,000 licensing fee for the right to use the CNBC Financial Advisor 100 logo in its marketing materials. CNBC’s full methodology is available at cnbc.com.
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