On Point CRNA

02/17/2026

If you’re a 1099 CRNA and money is just moving from your business account to your personal account whenever you “need it,” we need to talk.

Because what you call that transfer actually matters.

Salary. Owner draw. Distribution.
Same dollars. Very different tax consequences.

I’ve had more conversations than I can count that start with, “I just move money over when I need it.” Totally normal. But if you’re an S-Corp, the IRS expects reasonable W2 wages before you start taking distributions. If you’re a sole prop, draws don’t reduce your taxable income. And if you’re mixing terminology, your bookkeeping, tax projections, and even mortgage applications can get messy fast.

This is one of those areas where small structural decisions create big downstream effects.

I broke it all down in plain English here:
https://onpointcrna.com/owner-draw-vs-salary-vs-distribution/



Disclosure: This article is for educational purposes only and is not tax or legal advice. Talk with your CPA or attorney about your specific situation.

02/10/2026

Big news for your wallet in 2026! 🎉 The SALT cap has been raised from $10K to $40K, meaning more folks can now itemize deductions on taxes and keep more of their money. 💰 Say goodbye to limited tax write-offs and hello to bigger savings! Ready to make the most of these changes? Let’s get smarter about your finances this year! 📈

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.

02/05/2026

Maximize your retirement game! 💸 With a solo 401k, you can stash up to $72K in 2026—way more than traditional plans. Think beyond the limits: combine pre-tax, profit-sharing, AND after-tax contributions to execute a mega backdoor Roth. 🚀 Secure your future & grow smarter today!
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.

02/04/2026

Thinking of going 1099? 💼✨ An S Corp could save you thousands in self-employment taxes! By paying yourself a salary below the $184.5K threshold, you avoid double payroll taxes on that extra income. Smart moves = big savings! 💰 Ready to maximize your earnings?

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.

02/03/2026

Maximizing your Business Credit Card Benefits!

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.

01/25/2026

Last week’s CRNA tax & retirement planning webinar exceeded expectations with 650+ registrants and an overwhelming number of follow-up questions from 1099 and locum CRNAs.

To meet that demand, Discovery Anesthesia is hosting a BONUS 1-Hour Live Q&A Session with me on:

📅 January 27
⏰ 7:00 PM EST | 4:00 PM PST

This session is designed for CRNAs seeking clarity on:
• Safe harbor & quarterly payment strategies
• Solo 401(k) vs SEP IRA decision-making
• S-Corp optimization & reasonable compensation
• Mega Backdoor Roth planning
• Common deductions CRNAs miss

If you attended the webinar or couldn’t make it live, this is your opportunity to get direct answers to your specific situation.

🔗 Register for the free Q&A: https://discoveryanesthesia.myflodesk.com/l2r31a076o?utm_source=social&utm_medium=organic&utm_campaign=onpointcrna_qna&utm_content=onpointcrna



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.

01/12/2026

One of the easiest ways CRNAs get tripped up is working in multiple states and assuming payroll handled everything.

Sometimes it did. Sometimes it absolutely did not.

With locums work, mixed W-2 and 1099 income, or an S Corp, state compliance is more than just withholding. Certain states expect registrations, filings, or disclosures that never show up on a paycheck. That is usually discovered the hard way, right around tax season.

I have seen CRNAs work just a handful of shifts in another state and be shocked when letters start showing up months later. Nothing shady. Just rules no one bothered to explain.

If you are bouncing between states, stacking contracts, or planning to expand where you work this year, a little awareness now can save a lot of cleanup later.

I broke it all down here in plain English:

https://onpointcrna.com/multi-state-compliance-crnas/



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.

01/08/2026

01/04/2026

If you’ve ever finished a 1099 year and thought, “I’m pretty sure I did this right… but I wouldn’t bet my license on it,” this one’s for you.

I’m teaming up with Discovery Anesthesia to host a free, live webinar breaking down 1099 taxes for CRNAs, without the fluff, fear tactics, or generic CPA advice.

We’ll cover what you can actually deduct, how quarterly taxes really work, LLC vs S Corp basics, and the mistakes I see cost CRNAs real money every single year.

No sales pitch. Just practical education and live Q&A.

🗓 January 20
⏰ 7:00 PM EST
💰 Free

If you’re 1099 (or thinking about it), this will save you time, stress, and potentially a few thousand dollars down the road.

FREE WEBINAR for 1099 CRNAs 🎯
Taxes confusing? You're not alone.

Join us for 1099 Taxes Made Simple—a free live webinar answering every question you've been too busy (or stressed) to figure out.

What you'll learn:
✓ What you can actually deduct
✓ How quarterly taxes work
✓ LLC vs S-Corp basics
✓ Common costly mistakes
✓ Tax planning (not just filing)

Presented by: Benjamin Barnhart, CFP®, EA
Expert in CRNA financial planning & tax strategy

Date: January 20, 2026
Time: 7:00 pm EST
Cost: FREE
Format: Live with Q&A
Part of our CRNA Compass Series—quarterly webinars supporting your whole career, not just clinical practice.

Bonus for live attendees:
→ Tax-prep checklist
→ Expense tracking guide
→ Live Q&A with Ben

No sales pitch. Just practical education.

Space is limited—register now ⬇️
https://discoveryanesthesia.com/learn/

#1099

12/01/2025

Heads-up — there’s a quick year-end money rundown tonight at 7 p.m. ET covering the key moves to make before December 31: taxes, retirement contributions, payroll timing, and deductions people leave on the table.

If you can’t join live, still register — the replay goes out to everyone.

[…]

10/16/2025

Happy World Anesthesia Day! 🌍

Today, we celebrate the remarkable discovery of anesthesia that changed surgery forever, and we recognize the highly trained professionals who deliver this life-saving care every day.

We're proud to highlight that Certified Registered Nurse Anesthetists (CRNAs) are ensuring your safety and comfort during the most vulnerable moments.

09/29/2025

Want to understand how interest rates impact your bonds? 📈 If rates go down, your long-term bonds could gain in price! Stay informed and make smarter moves! 💡 Ready to optimize your investments? Let’s dive into the details!




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.