1099 or W-2?
That answer is the whole return.
CRNAs, nurse practitioners, PAs, locum tenens, travel and per diem nurses, physicians, dentists, veterinarians, optometrists, pharmacists, therapists, counselors, chiropractors, PTs and OTs, and the owners of practices, med spas, wellness studios and gyms. An Enrolled Agent prepares the return, and the price is published before you call.
A traveller who lets the tax home lapse turns a year of untaxed stipends into taxable wages, retroactively. A 1099 locum who never made an estimated payment meets the underpayment penalty in April, on income that was never withheld against. A practice owner running an S corp with no documented reasonable compensation is the most common adjustment in health care.
How we fix it.
Sort the income
Every W-2, every 1099-NEC, every stipend statement and every agency contract, uploaded to a secure client portal. No office visit required, anywhere in Florida or out of it. Which dollars are wages and which are self-employment income decides the package, the deductions and the estimates, so we do it first.
Tax home and states
Where you are domiciled, which states you took assignments in, and how many days in each. Florida has no personal income tax, so a Florida-domiciled traveller usually files only the assignment states.
The return
Schedule C for the 1099 side, with malpractice, licensure, board certification, CME, required equipment and the home office where it genuinely qualifies. The practice entity return goes first where you own one.
Estimates that follow the contracts
On Complete and above, estimates recalculated every quarter as assignments start and end, so a heavy year does not turn into an April balance you did not budget for.
Why us for clinicians and wellness practice owners.
Enrolled Agent, enrolled to represent taxpayers before the IRS in all 50 states, alongside CPAs and attorneys.
Finance training: the math behind every recommendation we make.
1099 versus W-2 — the routing, in one paragraph.
A hospital W-2 employee has no business return, and unreimbursed employee expenses have not been deductible federally since 2018: you belong on an individual package at $650. Pick up occasional per diem or agency 1099 shifts alongside that W-2 and the Schedule C is a side business, so it stays on the $650 package plus the published $375 Schedule C add-on. When the 1099 work is your main income, a locum, per diem or agency clinician belongs on the $950 business package, which includes the full 1040. A practice owner with an entity, usually a Florida PLLC that elected S corp status, belongs on the $2,850 entity package. Wellness owners route the same way: a massage therapist, personal trainer, yoga or pilates instructor, nutritionist or health coach is a Schedule C, and a gym, studio or wellness practice that files its own return is the entity package. Plenty of people are two of these in the same year, and the business package already covers the W-2 side.
Travel nurses — the stipend is only untaxed while the tax home holds.
A real tax home and genuinely duplicated living costs are what keep a housing or per diem stipend out of your taxable wages. Stay on one assignment past twelve months and it is an indefinite assignment: the stipends become wages. We document the tax home during the year, not after an agency audit asks for it.
CRNA and NP S corp math, run on your numbers.
An S corp election saves the 15.3% self-employment tax on distributions, and costs you payroll filings, a separate return, and a salary you have to defend. The step from the $950 Schedule C package to the $2,850 entity package is part of that arithmetic, not a footnote to it. We run the breakeven before the election.
Pricing, on the page.
Published prices · Quoted in writing before any work startsHow it works: one annual fee, half paid at engagement and half before your return is filed. Everything past the package baseline is a published add-on at a fixed price, so nobody counts forms. Books, payroll and sales tax are the only monthly items, because they are the only monthly work. See the full grid and every add-on or start your intake.
One practitioner. Every file, personally led.
Cody is an Enrolled Agent with an MBA, a solo practitioner with a small support team, working out of Lakeland, Florida.
Every client engagement is led by Cody personally. The firm stays deliberately small so the work stays deliberately careful. The person who filed your return is the person who handles the IRS.
Common questions.
If yours isn't here, ask it on the intake — we read every one before the first call.
I am a travel nurse paid on a W-2 with stipends. Do I need a business package?
Only if 1099 work is your main income. Straight agency W-2 work with a housing stipend is an individual package at $650, plus $100 for each state past the first. Add a few per diem or agency 1099 shifts on the side and that Schedule C is a published $375 add-on on the same $650 package, not a move to the business tier. It is the $950 business package when the 1099 work is how you make your living. The stipend question itself is a documentation question about your tax home, not a business return question.
I worked in four states last year.
You file a non-resident return in each state that taxes the income, plus your resident state, with the credit for taxes paid set up so the same dollar is not taxed twice. Florida does not tax personal income, so a Florida-domiciled clinician usually files only the assignment states. Each state beyond the first is a published $100.
Should a CRNA or NP elect S corp status?
Usually worth running once 1099 net profit is consistently past $80K to $100K. Below that, payroll filings, the separate 1120-S and the jump from the $950 package to the $2,850 package tend to eat the self-employment tax saved. We model it on your actual contracts before anyone files a 2553.
What can I deduct as a 1099 clinician?
Malpractice premiums, state licensure and DEA registration, board certification and CME, required equipment and scrubs, mileage between assignment sites, and a home office where it is your principal place of administrative work. Commuting from home to one hospital is not deductible, and neither is the food you eat on shift.
Does the QBI deduction apply to me?
Health care is a specified service trade or business, so the 20% deduction on qualified business income phases out once household taxable income passes the annual threshold. We run it at the household level and plan retirement contributions around it rather than discovering it in April.
My employer did not reimburse my CME and scrubs. Can I deduct them?
Not on a federal return, if you are a W-2 employee. Unreimbursed employee expenses have been off the table since 2018. That is one of the reasons the 1099-versus-W-2 conversation with your agency is worth having before you sign the next contract.
Related
- Individual tax preparationYour household return, one state and investment sales, from $650 a year.
- New Florida residentsThe part-year return for the state you left and the records that prove you moved.
- Real estate taxRentals, short-term rentals, flips and agent commissions.
- Trust and estate tax returnsForm 1041, 706 and 709, with a fixed fee quoted before work starts.
- Tax planningQuarterly estimates and a written plan before year end, while the moves still count.
Send the 1099s and the W-2s. We will tell you which one you are.
Contracts, stipend statements, the states you worked, and last year's return. You will have the package, the add-ons and the price on the first call.
Tell us about your business.
A few questions, then pick a time for a free 15-minute call with Cody. Nothing starts until you sign an engagement letter.
Prefer to talk? Call (863) 370-8115 or Book a 15-minute call.
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