Brett K. Fellows CFP Financial Planning for CRNAs and NPs

Brett K. Fellows CFP Financial Planning for CRNAs and NPs Helping CRNAs and NPs make work optional, pay less in taxes, and invest smarter.

Oak Capital Advisors is an independent, fee-only registered investment advisor located in Charleston, SC. We specialize in exit and retirement planning for CRNAs located in and around Charleston, SC.

This NP family has $785,000 saved and wants to retire in six years. Most calculators say they are not ready.I looked at ...
06/15/2026

This NP family has $785,000 saved and wants to retire in six years. Most calculators say they are not ready.

I looked at their numbers and saw something different.

Swipe through to see the three gaps that were quietly set to cost them $200,000, and the plan that fixed all of them.

06/12/2026

A CRNA's rental property appreciated $90,000 over six years. Felt like a win… until we ran the numbers.

The six-year annualized return on the property came in around 6 to 7%, but her 403(b), over the same six years, compounded at roughly 11 to 12%. And we didn't count the 20 hours a month she spent managing the property. At her clinical rate, that's around $165,000 in time value over six years. Turns out, the numbers didn’t add up.

My latest pod episode of MoneyRx covers the pros and cons of owning a rental property for high earners.

06/11/2026

If you're a CRNA or NP doing ANY 1099 work and you don't have a Solo 401(k) open, you need to check out this LIVE workshop event..

The Solo 401(k) is one of the most powerful tax tools in healthcare, but it’s also underused.

Join Brett Fellows, CFP®, CEO of Oak Capital Advisors, for a free workshop on June 25th at 8PM ET for how the Solo 401(k) works, what you can contribute, and how to get it set up before year-end.

Link here register: https://loom.ly/qdYbp5M

If you know a CRNA or NP doing locums work who doesn't know about this, send it their way.

06/10/2026

Many landlords never calculate the one number that actually tells you if your rental property worked.

Not what you paid. Not what it sold for.

The all-in, after-tax, after-expense, after-time annualized return.

When you actually run that number as a high-earning nurse, at today's rates, on the kind of property you actually want to buy, it often lands somewhere that surprises people.

We ran it. The results changed how Yvonne thought about her entire retirement plan.

Full breakdown in the new podcast episode.

Stocks finished the week lower after a strong start gave way to a sharp Friday selloff.The week opened with strong momen...
06/10/2026

Stocks finished the week lower after a strong start gave way to a sharp Friday selloff.

The week opened with strong momentum. All three major indexes hit new all-time intraday highs on Monday, and the S&P 500 closed above 7,600 for the first time on Tuesday. Midweek, rising oil prices and concerns about Middle East tensions pulled stocks back, with the S&P breaking a nine-day winning streak by Wednesday's close. The early-week gains were gone before Friday even arrived.

Friday made things worse. May's nonfarm payrolls came in at 172,000, more than double what economists had expected. Strong job growth is generally good news, but in a market still focused on inflation and the Fed's next move, it raised questions about whether rate relief is as close as some had hoped. The S&P fell more than 2.5% on the session and the Nasdaq dropped over 4%.

For the week, the Dow slipped 0.32%, the S&P fell 2.59%, the Nasdaq declined 4.68%, and the MSCI EAFE dropped 1.41%.

A week that touched new all-time highs on Monday closed in the red on Friday because of a single data release. A well-built plan is designed to absorb variability like this rather than react to it. We're always happy to talk through what the current environment means for your positioning.
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Investing involves risk, including possible loss of principal. Past performance does not guarantee future results.

06/05/2026

Kristin Burton from Millionaires in Medicine said it best on my latest MoneyRx episode. The mistake she sees most often among PAs, NPs, and pharmacists is treating the loan payoff timeline as the whole strategy.

Student loans are emotional; they feel concrete and familiar in a way that investing can’t. So they get the focus, and everything else waits.

But there’s a major problem with that: If you want to retire at 50, you need assets, and compounding takes time. Every year you spend only making loan payments and not investing is a year of growth you cannot get back. The math doesn’t forgive a 5-year delay.

Instead, start with WHEN you want to be financially independent, then work backward to figure out how aggressive your loan payoff needs to be. For most people, the answer is a hybrid: Pay down the loans and invest at the same time.

Watch the full conversation with Kristin on our podcast or YouTube channel.

06/04/2026

Most retirement advice stops at "save more," which isn’t exactly helpful if you’re already doing it. The part nobody explains is what happens when you want to take the money out.

In my latest MoneyRx episode, I explain something I see with CRNAs and healthcare professionals constantly: people who did everything right while working and still face a massive tax bill in retirement.

The fix isn’t complicated; you can start with three buckets:

1. Tax-deferred (traditional 401k, 403b) – you pay taxes when you pull it out
2. Tax-free (Roth, HSA) – you never pay taxes on growth
3. Taxable brokerage – capital gains rates apply, but you control timing

When assets are spread across all three, you choose how much income to take each year, which accounts to pull from, and how much you owe in taxes. That flexibility is worth a lot more than most people realize until they need it.

Watch the full episode where I sit down with Kristin Burton of Millionaires in Medicine on YouTube, Spotify, or Apple Podcasts.

06/03/2026

A PA earning $130k a year looked me in the eye and said, “I’m not really a high-income earner.” Almost every time I hear this (which is all the time), it’s wrong. On my latest pod episode, burton, founder of Millionaires in Medicine, explains where this negative mindset comes from and what she did about it.

Two things that often make RNAs, NPs, and PAs feel like low-income earners:
- You spend your days around physicians earning 3–4x your income. By comparison, your salary feels average.
- Student loan payments drain cash flow every month. It doesn’t feel like you’re ahead because the debt makes it feel like you’re always catching up.

The national median household income is around $80k. A CRNA, PA, or NP earning $120–180k isn’t average at all, but the comparison to physicians makes it feel that way. If you’re in this boat, then this message is for you: The wealth-building math WORKS at your income. So what will you do next?

You can find the full conversation with Kristin on the MoneyRx podcast and our YouTube channel.

05/29/2026

I recently sat down with Amanda Kay, CRNA, coach, and founder of The Mindful CRNA, and she said something that I think a lot of CRNAs need to hear.

She had an accountant AND a system… and she still wasn’t sure what was inside her own tax return until we looked at it together.

That gap is more common than people admit. For CRNAs running their own entity, understanding your return means knowing:

- Whether your salary-to-distribution split is working in your favor
- What the QBI deduction is doing for you, or not doing
- Where your money is actually going versus where it should be going
- What your accountant filed versus what you could have structured differently

Filing on time is not the same as filing smart. If you have handed your return to someone and stepped back without really understanding it, that is worth fixing. Watch the full episode of MoneyRx to hear what Amanda took away when she finally looked at her own numbers.

05/28/2026

Amanda Kay is a CRNA, a coach, and the founder of The Mindful CRNA. She is in these communities every day, and she will tell you straight: most CRNAs are leaving money behind at tax time. 💰

The deduction question comes up every single year in every CRNA forum. And the answer is almost always the same: you probably missed some. Good bookkeeping is not about being a numbers person. It is about having a simple system you run consistently throughout the year so that when April arrives, the work is already done.

Watch the full episode of MoneyRx for a practical look at what CRNAs get wrong at tax time and how to fix it before next year.

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