# On Point CRNA

> Focused on helping CRNAs across the country achieve financial wellness 💉📚💰


## Posts

- [Equity Rate for CRNAs: What Your Er Score Means](https://onpointcrna.com/equity-rate-for-crnas/): Equity Rate measures how much of your investable assets, including personal cash, is allocated to equities. Calculate Er and put it in context with time horizon, risk capacity, and risk tolerance.
- [Your Tax Reserve Is an Investment Portfolio With a Deadline](https://onpointcrna.com/tax-reserve-for-1099-crnas/): A tax reserve has a known owner and deadline. Compare checking, HYSAs, brokerage cash, government money funds and Treasury bills, then calculate the 2026 safe-harbor target.
- [Two Jobs, Three Plans, One IRS Limit: W-2 + 1099 Retirement Math for CRNAs](https://onpointcrna.com/403b-457b-solo-401k-limits-crnas/): A practical guide to coordinating a hospital 403(b), 457(b), and Solo 401(k), including the 2026 shared-deferral limit and the special rule for CRNA-owned businesses.
- [Do 1099 CRNAs Need a Business Checking Account?](https://onpointcrna.com/business-checking-1099-income-essentials/): A separate business checking account is not always federally required, but it is still the cleanest way for 1099 CRNAs to manage income, taxes, and owner pay.
- [Debt Rate for CRNAs: What Your Dr Score Means](https://onpointcrna.com/debt-rate-for-crnas/): Debt Rate shows how much gross income is committed to required debt payments. Calculate your Dr and see how payment type, liquidity, and savings change the diagnosis.
- [When Bookkeeping Makes Sense for CRNAs, and When It Doesn't](https://onpointcrna.com/bookkeeping-for-crnas-2/): Every CRNA business needs clean records. That does not mean every solo 1099 CRNA needs to pay for monthly bookkeeping. Here is how to choose between a lean annual close, quarterly reconciliation, and full monthly books.
- [403(b) vs. 457(b) for CRNAs: The 2026 Guide](https://onpointcrna.com/crna-retirement-403b-vs-457-plans/): A practical 2026 guide to choosing between a 403(b) and 457(b), using both plans together, and avoiding the mistakes that matter most for CRNAs.
- [They Had $555,000 Coming In and $1.12 Million Saved. Here’s What Was Still Missing.](https://onpointcrna.com/1099-crna-financial-planning-case-study/): A high-income CRNA household already had an advisor and a CPA. What they did not have was coordination across the business, tax return, retirement plans, health coverage, and investments.
- [Real Estate Term for CRNAs: Is Too Much Wealth Tied Up in Property?](https://onpointcrna.com/real-estate-term-crnas/): Your house may be one of your biggest assets, but it cannot pay the grocery bill without a sale, refinance or loan. Real Estate Term shows how many years of spending your property equity represents and whether the rest of a CRNA household's plan has enough flexibility.
- [Roth Conversion for SRNAs: Should You Move Your Old 403(b) While in School?](https://onpointcrna.com/roth-ira-conversion-for-srnas/):  […]
- [CRNA Vehicle Tax Deductions for 2026](https://onpointcrna.com/crna-vehicle-deductions-2026/): Compare 2026 mileage and actual-expense methods, SUV depreciation rules, commuting limits, and mileage-log requirements for 1099 CRNAs.
- [Signal in the Noise: Q2 2026 in Review](https://onpointcrna.com/q2-2026-market-review/):  […]
- [SEP IRA vs Solo 401(k): Best Retirement Plan for 1099 CRNAs](https://onpointcrna.com/sep-ira-vs-solo-401k-1099-crnas/):  […]
- [Savings Rate for CRNAs: Calculate and Improve Your Sr](https://onpointcrna.com/savings-rate-guide-crna/): Savings Rate shows how much gross income is going toward future use. Learn what counts, calculate your Sr, and decide where the next dollar belongs.
- [Tax Rate for CRNAs: What Your Tr Score Means](https://onpointcrna.com/tax-rate-for-crnas/): Tax Rate shows how much current gross income is being allocated to taxes. Calculate Tr, check the inputs, and use the number to start a better tax-planning conversation.
- [Business Term for CRNAs: What Your Bt Score Means](https://onpointcrna.com/business-term-for-crnas/): Business Term converts net business equity into years of household spending. Learn what belongs in Bt, calculate it, and see why a low score is not always a problem for a 1099 CRNA.
- [Burn Rate for CRNAs: What Your Br Score Means](https://onpointcrna.com/burn-rate-for-crnas/): Burn Rate shows how much gross income supports personal living expenses after debt, saving, and taxes are separated. Calculate Br and learn what the result means.
- [Payroll Report vs W-2: Why They Don't Match for CRNAs](https://onpointcrna.com/payroll-report-vs-w2-not-matching/):  […]
- [Liquid Term for CRNAs: Calculate Your Financial Runway](https://onpointcrna.com/understanding-liquid-term-financial-stability/):  […]
- [Owner Draw vs Salary vs Distribution: How to Pay Yourself as a 1099 CRNA](https://onpointcrna.com/owner-draw-vs-salary-vs-distribution/):  […]
- [Reasonable Salary for S-Corp CRNAs: Can It Stay the Same?](https://onpointcrna.com/reasonable-salary-s-corp-crna/):  […]
- [Multi-State Compliance for CRNAs](https://onpointcrna.com/multi-state-compliance-crnas/):  […]
- [On Point Perspective · Your 2025 Wrapped](https://onpointcrna.com/4q2025-on-point-perspective/):  […]
- [Total Term for CRNAs: Measure Your Financial Runway](https://onpointcrna.com/total-term/):  […]
- [CRNA Student Loan Limits 2026: What SRNAs Need to Know](https://onpointcrna.com/crna-student-loan-limits-2026/):  […]
- [On Point Perspective · Your 2025Q3 Wrapped](https://onpointcrna.com/q3-2025-market-review-on-point-perspective/):  […]
- [PTET vs. SALT Deduction for CRNAs: The 2026 QBI Tradeoff](https://onpointcrna.com/ptet-vs-salt-deduction-qbi-impact/): A practical 2026 comparison of PTET and the personal SALT deduction for CRNA business owners, including the QBI tradeoff and an interactive calculator.
- [CRNA Overtime Under OBBBA: Are You Actually Eligible?](https://onpointcrna.com/crna-no-tax-on-overtime-deduction/):  […]
- [1099 CRNA with S-Corp: 6 Missed Tax Opportunities to Fix Before Year-End (Real Case Study)](https://onpointcrna.com/crna-1099-s-corp-year-end-tax-fixes-2025/):  […]
- [CRNA in a Cash Crunch? The Smart Order To Tap Funds](https://onpointcrna.com/crna-emergency-cash-playbook/):  […]
- [CRNA Case Study: 1099 vs. W-2 – Same Hours, Different Dollars ($32,143 Difference)](https://onpointcrna.com/crna-1099-vs-w2-case-study/):  […]
- [Even God Would Get Fired: What This Tells CRNAs About Investing Smarter](https://onpointcrna.com/even-god-fired-investing-crna/):  […]
- [The One Big Beautiful Bill Act (OBBBA): What It Means for CRNAs](https://onpointcrna.com/the-one-big-beautiful-bill-act-obbba-what-it-means-for-crnas/):  […]
- [Student Loan Interest Resumes: CRNA Urgent Update](https://onpointcrna.com/crna-student-loan-changes-2025/):  […]
- [The Hidden Payroll-Tax Hack for 1099 CRNAs: Run Your Health Insurance & HSA Through Your S-Corp](https://onpointcrna.com/s-corp-health-insurance-hsa-payroll-tax-crna/):  […]
- [Reverse Rollover to a Solo 401(k): The CRNA’s Shortcut to a Squeaky-Clean Backdoor Roth](https://onpointcrna.com/reverse-rollover-solo-401k-backdoor-roth-crna/):  […]
- [Direct Indexing for High-Income Investors](https://onpointcrna.com/direct-indexing-for-high-income-investors/):  […]
- [How to Choose a Financial Advisor as a CRNA](https://onpointcrna.com/crna-financial-advisor-buyers-guide/): A practical buyer's guide for CRNAs, including 12 interview questions, independent verification links, and a printable advisor scorecard.
- [Congress Is Changing the Tax Rules – CRNAs, Here’s What That Means](https://onpointcrna.com/crna-2025-tax-bill-changes/):  […]
- [Bookkeeping for CRNAs: Why It’s Simpler (and More Important) Than You Think](https://onpointcrna.com/crna-bookkeeping-basics/):  […]
- [What CRNAs Need to Know About Potential 2025 Tax Changes](https://onpointcrna.com/crna-2025-tax-changes/):  […]
- [2024 Market Recap and 2025 Outlook: Financial Insights for CRNAs](https://onpointcrna.com/2024-market-recap-2025-outlook-crna-financial-strategies/):  […]
- [Tax-Loss Harvesting for CRNAs: Turn Your Investment Lemons Into Tax Lemonade with Direct Indexing](https://onpointcrna.com/tax-loss-harvesting-crnas-direct-indexing/):  […]
- [Corporate Transparency Act (CTA) Compliance for CRNAs with LLCs: Quick & Easy BOI Filing Guide](https://onpointcrna.com/corporate-transparency-act-cta-guide-crnas/):  […]
- [How Elections Impact the Stock Market: Key Insights for 2024 Investors](https://onpointcrna.com/election-year-stock-market-trends-2024/):  […]
- [Q4 2024 Market Insights: What CRNAs Need to Know About Fed Decisions and Election Volatility](https://onpointcrna.com/2023q3-review-market-outlook/):  […]
- [8 Essential Year-End Tax Strategies for CRNAs: Maximize Your 2024 Savings](https://onpointcrna.com/year-end-tax-strategies-crnas-maximize-savings/):  […]
- [🎥 Midyear Market Review & 2024 Outlook for CRNAs! 📊](https://onpointcrna.com/midyear-market-review-2024-crnas/):  […]
- [Choosing Between W-2 and 1099: When Does W-2 Make More Sense? A CRNA Poll Analysis](https://onpointcrna.com/choosing-w2-or-1099-employment-crna-insights/):  […]
- [1099 vs W2 for CRNAs: How to Compare](https://onpointcrna.com/1099-vs-w2-for-crnas/):  […]
- [Sole Proprietor or S-Corporation? Deciding for Your 1099 Income](https://onpointcrna.com/sole-proprietor-vs-s-corporation-1099/):  […]
- [CRNAs, Are You Ready for a Rainy Day? Your Emergency Fund Guide](https://onpointcrna.com/crna-emergency-fund/):  […]
- [CRNA 1099 Case Study: Solo 401(k) + Mega-Backdoor Contribution](https://onpointcrna.com/case-study-crna-1099-work-mega-backdoor-contributions/):  […]
- [2023 Market Review: Investment Lessons Learned & How to Apply Them in 2024](https://onpointcrna.com/key-investment-lessons-2023/):  […]
- [End-of-Year Tax Planning Essentials for CRNAs](https://onpointcrna.com/end-of-year-tax-planning-crnas/):  […]
- [Bullish vs. Bearish: Navigating the Market as an Investor & CRNA in 2024](https://onpointcrna.com/crna-market-outlook-2024/):  […]
- [CRNA Contract Clarity: Understanding Your 1099 Offer](https://onpointcrna.com/crna-contract-clarity-1099-offer/):  […]
- [The CRNA's Guide to Stress-Free Tax Payments: Explore Your Options!](https://onpointcrna.com/crnas-guide-to-estimated-payments/):  […]
- [Negotiating Success: A CRNA's Guide to Job Offers and Contracts](https://onpointcrna.com/crna-job-offers-contracts-guide/):  […]
- [Mastering Tax Homes and Multi-State Taxes: Essential Guide for CRNAs](https://onpointcrna.com/crnas-guide-tax-homes-multi-state-taxes/):  […]
- [Navigating the 1099 Landscape: A CRNA's Guide to Making the Right Moves](https://onpointcrna.com/navigating-1099-landscape-crna-guide/):  […]
- [Understanding Non-Compete Clauses: A Must-Know for CRNAs](https://onpointcrna.com/crna-non-compete-clause-guide/):  […]
- [CRNA Tax Tips: Unlocking Home Office Deductions](https://onpointcrna.com/home-office-deductions-crna/):  […]
- [Tax Tips for CRNAs: Safe Harbor & Estimated Payments](https://onpointcrna.com/safe-harbor-estimated-payments/):  […]
- [Why the Games Should Stop With GameStop.](https://onpointcrna.com/why-the-games-should-stop-with-gamestop/):  […]

## Pages

- [Your 2027 Planning and Tax Services Update](https://onpointcrna.com/2027-client-update/):  […]
- [Brooke Runk](https://onpointcrna.com/about/brooke-runk/):  […]
- [Will Speight](https://onpointcrna.com/about/will-speight/):  […]
- [CRNA 1099 Write-off Worksheet Confirmation](https://onpointcrna.com/crna-1099-write-off-worksheet-confirmation/):  […]
- [Kaity Kaminske](https://onpointcrna.com/about/katie/):  […]
- [Noah Wolthuis](https://onpointcrna.com/about/noah-wolthuis/):  […]
- [Benjamin Barnhart](https://onpointcrna.com/about/benjamin-barnhart/):  […]
- [On Point CRNA Advisor Candidate Assessment](https://onpointcrna.com/on-point-crna-candidate-assessment/):  […]
- [on-demand webinar replay confirmation](https://onpointcrna.com/on-demand-webinar-replay-confirmation/):  […]
- [Webinar Replay](https://onpointcrna.com/webinar-replay/):  […]
- [On-Demand Webinar: 5 Smart Year-End Moves for 1099 CRNAs](https://onpointcrna.com/on-demand-webinar-5-smart-year-end-moves-for-1099-crnas/):  […]
- [Lead Financial Advisor — CRNA Specialist](https://onpointcrna.com/lead-financial-advisor-crna-specialist/):  […]
- [You're In — [Live Webinar] From OR to ROI: 5 Smart Year-End Moves for 1099 CRNAs](https://onpointcrna.com/year-end-money-reset-confirmation/):  […]
- [[Live Webinar] From OR to ROI: 5 Smart Year-End Moves for 1099 CRNAs](https://onpointcrna.com/year-end-money-reset-5-financial-steps-1099-crnas-must-take-before-december-31-2/):  […]
- [Free Checkup](https://onpointcrna.com/free-checkup/):  […]
- [Pricing](https://onpointcrna.com/pricing/):  […]
- [CRNA Financial Planning & Investment Management - 1099, Tax Strategy, Retirement](https://onpointcrna.com/financial-planning-crnas/):  […]
- [SRNA Bundle Download Page ](https://onpointcrna.com/srna-money-kit-download/):  […]
- [🎓 SRNA Money Kit](https://onpointcrna.com/srna-money-kit/)
- [Your Tax Strategy Playbook is Ready!](https://onpointcrna.com/tax-strategy-playbook-crnas-2/):  […]
- [Tax Strategy Playbook](https://onpointcrna.com/tax-strategy-playbook-crnas/):  […]
- [Webinar: 3 Big Tax Mistakes Every CRNA Makes (Real Examples)](https://onpointcrna.com/free-webinar-crna-tax-mistakes/):  […]
- [Resources](https://onpointcrna.com/resources/):  […]
- [Process](https://onpointcrna.com/process/):  […]
- [Subscription Successful! 🎉](https://onpointcrna.com/subscription-successful-%f0%9f%8e%89/):  […]
- [Ask a question](https://onpointcrna.com/ask-a-question/):  […]
- [Home](https://onpointcrna.com/):  […]
- [Start here](https://onpointcrna.com/start-here/):  […]
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- [Learn](https://onpointcrna.com/learn/)
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