For Medical Professionals Earning $400,000+
Most Physicians Earning $400K+ Overpay By Six Figures Every Year Because Their CPA Files But Doesn't Architect.
Most Physicians Earning $400K+ Overpay By Six Figures Every Year Because Their CPA Files But Doesn't Architect.
We pull your prior returns and project what is recoverable from your filings before any engagement is signed, accurate to within 95 to 98 percent.
Prior Returns Close For Amendments After Three Years.
For Medical Professionals Earning $400,000+
Most Physicians Earning $400K+ Overpay By Six Figures Every Year Because Their CPA Files But Doesn't Architect.
We pull your prior returns and project what is recoverable from your filings before any engagement is signed, accurate to within 95 to 98 percent.
Prior Returns Close For Amendments After Three Years.
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4.9 stars | 100+ reviews
4.9 stars | 100+ reviews
16 +
Years in practice
500+
Clients Served
$50M+
Client Tax Savings
93%
Of Physicians Renew
16 +
16 +
Years in practice
Years in practice
500+
500+
Clients Served
Clients Served
$50M+
$50M+
Client Tax Savings
Client Tax Savings
93%
93%
Of Physicians Renew
Of Physicians Renew
Every Return Your CPA Filed Was
Every Return Your CPA Filed Was
Every Return Your CPA Filed Was a Year You
A Year You Quietly
A Year You Quietly
Quietly
Overpaid.
Overpaid.
Overpaid.
Every April, a number appears on page one of your return and you sign it. Your CPA is qualified, the filing is on time, the estimated payments tracked correctly through the year, and you have no reason to doubt it.
Every April, a number appears on page one of your return and you sign it. Your CPA is qualified, the filing is on time, the estimated payments tracked correctly through the year, and you have no reason to doubt it.
But you would not accept a single clinical opinion on a complex diagnosis without seeking another. So why have you accepted a single opinion on a tax position worth six figures annually for every year you have filed?
But you would not accept a single clinical opinion on a complex diagnosis without seeking another. So why have you accepted a single opinion on a tax position worth six figures annually for every year you have filed?
The number is accurate. Whether it is the lowest number available is a question that has never been asked on your behalf.
The number is accurate. Whether it is the lowest number available is a question that has never been asked on your behalf.
The number is accurate. Whether it is the lowest number available is a question that has never been asked on your behalf.
For the last three years, that number is still recoverable
For the last three years, that number
The last three years of that gap are still open for amendment
When Your Income Streams File Separately,
When Your Income Streams File Separately,
Lives In The Gap Between Them
The Overpayment
The Overpayment
The Overpayment
Lives In
Lives In
The Gaps Between Them
The Gaps Between Them
When Your Income Streams File Separately,
The tax code was not written for one income stream at a time. It was written for the interaction between them.
The tax code was not written for one income stream at a time. It was written for the interaction between them.
A physician with clinical income, practice ownership, 1099 work, real estate, and investor activity has a combined tax position that is structurally different from five separate returns, and the gap between those two is where the overpayment compounds.
A physician with clinical income, practice ownership, 1099 work, real estate, and investor activity has a combined tax position that is structurally different from five separate returns, and the gap between those two is where the overpayment compounds.
When each stream files separately, those interactions are never visible to the person building the return. Coordinated architecture and accurate compliance are different categories of work.
When each stream files separately, those interactions are never visible to the person building the return. Coordinated architecture and accurate compliance are different categories of work.
"That is also why forming an LLC, on its own, changes nothing about what you owe."
"That is also why forming an LLC, on its own, changes nothing about what you owe."
The structure only works when your entity setup, your compensation, your deductions, and your timing are built into one plan around your situation, which is architecture, not a filing.
The structure only works when your entity setup, your compensation, your deductions, and your timing are built into one plan around your situation, which is architecture, not a filing.
A Tax Team Specialized In Medical Tax Reduction, Backed By A Firm Of 35
Delerme CPA is a firm of 35 across its departments, and the tax team on your account is specialized in medical tax reduction.
The depth behind that comes from over a decade of working the same income structures, the same entity arrangements, and the same recovery patterns for physicians, so we know where the overpayment is and where it is recoverable because that is what we do.
The last three years of that gap are still open for amendment
A Tax Team Specialized In Medical Tax Reduction, Backed By A Firm Of 35
Delerme CPA is a firm of 35 across its departments, and the tax team on your account is specialized in medical tax reduction.
The depth behind that comes from over a decade of working the same income structures, the same entity arrangements, and the same recovery patterns for physicians, so we know where the overpayment is and where it is recoverable because that is what we do.
The last three years of that gap are still open for amendment
The Institutional Foundation
The Institutional Foundation
The Institutional Foundation
Behind
Behind
The Method
The Method
The Method
Victor Delerme built his career in international tax at KPMG. International tax architecture trains you to see one thing: how the interaction between structures produces a different number than the structures in isolation.
Victor Delerme built his career in international tax at KPMG. International tax architecture trains you to see one thing: how the interaction between structures produces a different number than the structures in isolation.
That is the same principle we apply to a physician's income, and it is why a team with that institutional foundation, specialized to medical specifically for over a decade, identifies the recoverable position where a generalist practice, building one stream at a time, does not.
That is the same principle we apply to a physician's income, and it is why a team with that institutional foundation, specialized to medical specifically for over a decade, identifies the recoverable position where a generalist practice, building one stream at a time, does not.
Victor Delerme
Victor Delerme
Founder, Delerme CPA. | Former KPMG international tax professional | Specialist in medical professional tax strategy.
Founder, Delerme CPA. | Former KPMG international tax professional | Specialist in medical professional tax strategy.
The last three years of that gap are still open for amendment
The Overpayment In The Gaps, Found
The Overpayment In The Gaps,
The Overpayment In The Gaps, Found and Fixed On Three
And Fixed On
Found And Fixed On
Three Real Accounts.
Three Real Accounts.
Real Accounts.
The Locum Anesthesiologist
The Locum Anesthesiologist
A Locum Anesthesiologist Earning $900,000 Cut His Tax Bill From $270,000 To $70,000 In A Single Year.
A Locum Anesthesiologist Earning $900,000 Cut His Tax Bill From $270,000 To $70,000 In A Single Year.
This anesthesiologist worked 1099 with no entity behind his income and an investment portfolio, heavy in crypto, that no one had ever handled with tax in mind. He suspected he was overpaying, watched peers pay far less, and wanted it fixed the right way, with no gray areas.
Once we restructured his 1099 income under the right entity and S-Corp election and brought his investment activity into the same plan, his liability for the year fell from roughly $270,000 to about $70,000, an effective rate near 7 percent on $900,000 of income.
This anesthesiologist worked 1099 with no entity behind his income and an investment portfolio, heavy in crypto, that no one had ever handled with tax in mind. He suspected he was overpaying, watched peers pay far less, and wanted it fixed the right way, with no gray areas.
Once we restructured his 1099 income under the right entity and S-Corp election and brought his investment activity into the same plan, his liability for the year fell from roughly $270,000 to about $70,000, an effective rate near 7 percent on $900,000 of income.
The Multi-Business Owner
The Multi-Business Owner
A Business Owner Running Four Separate LLCs Was Routing Every Dollar To His Personal Return, Until One Structure Change Cut His Annual Tax By $80,000.
A Business Owner Running Four Separate LLCs Was Routing Every Dollar To His Personal Return, Until One Structure Change Cut His Annual Tax By $80,000.
On paper this owner looked sophisticated, with four separate LLCs across an emergency clinic, a gym, a cash-pay practice, and rental property.
In practice every entity was disregarded, so all of it landed on his personal return at the top rate, and roughly $250,000 a year went to tax. His prior firm had even missed the window to amend 2022.
We rebuilt the entities under one family holding company with the right corporate elections, recovered about $150,000 across the 2022 to 2024 amendments, and brought his annual liability down to roughly $170,000, around $80,000 less every year going forward.
On paper this owner looked sophisticated, with four separate LLCs across an emergency clinic, a gym, a cash-pay practice, and rental property.
In practice every entity was disregarded, so all of it landed on his personal return at the top rate, and roughly $250,000 a year went to tax. His prior firm had even missed the window to amend 2022.
We rebuilt the entities under one family holding company with the right corporate elections, recovered about $150,000 across the 2022 to 2024 amendments, and brought his annual liability down to roughly $170,000, around $80,000 less every year going forward.
The Dual-Income Household
The Dual-Income Household
A Two-Income Household Earning $477,000 Locked In $40,000 Of Savings Every Year Without Tying Up A Dollar Of Investable Capital.
A Two-Income Household Earning $477,000 Locked In $40,000 Of Savings Every Year Without Tying Up A Dollar Of Investable Capital.
This couple did everything by the book, a psychologist with W2 and consulting income, a spouse in real estate, two LLCs, and a six-figure tax bill every single year with no system behind it.
They had no interest in the aggressive, illiquid plays that tie money up in oil and gas or film, and they wanted something clean and repeatable they could build on.
We engineered a foundational blueprint around their exact income mix and installed it as a permanent structure, taking their liability from about $101,000 to roughly $60,000. That $40,000 a year is not a one-time refund but the new floor, and because it comes from pure tax engineering rather than locking up capital, they keep it every year while staying fully liquid.
This couple did everything by the book, a psychologist with W2 and consulting income, a spouse in real estate, two LLCs, and a six-figure tax bill every single year with no system behind it.
They had no interest in the aggressive, illiquid plays that tie money up in oil and gas or film, and they wanted something clean and repeatable they could build on.
We engineered a foundational blueprint around their exact income mix and installed it as a permanent structure, taking their liability from about $101,000 to roughly $60,000. That $40,000 a year is not a one-time refund but the new floor, and because it comes from pure tax engineering rather than locking up capital, they keep it every year while staying fully liquid.
The last three years of that gap are still open for amendment
The Overpayment Compounds Every Year The Position Goes Unchanged. The Prior Three Years Are Still Recoverable.
The Overpayment Compounds Every Year The Position Goes Unchanged. The Prior Three Years Are Still Recoverable.
Without one position built across all income streams, a physician with clinical earnings, practice ownership, real estate, or 1099 work files the same overpayment every year.
Without one position built across all income streams, a physician with clinical earnings, practice ownership, real estate, or 1099 work files the same overpayment every year.
The interaction that created the gap last year created it the year before, and it will create it again next April unless the position is rebuilt.
The interaction that created the gap last year created it the year before, and it will create it again next April unless the position is rebuilt.
The diagnostic identifies the annual figure and presents the recoverable total from the prior three years, at no charge, before any engagement is discussed.
Every year it goes unasked is another year the number does not change.
The last three years of that gap are still open for amendment
The Overpayment Compounds Every Year The Position Goes Unchanged. The Prior Three Years Are Still Recoverable.
Without one position built across all income streams, a physician with clinical earnings, practice ownership, real estate, or 1099 work files the same overpayment every year.
The interaction that created the gap last year created it the year before, and it will create it again next April unless the position is rebuilt.
The diagnostic identifies the annual figure and presents the recoverable total from the prior three years, at no charge, before any engagement is discussed.
Every year it goes unasked is another year the number does not change.
The last three years of that gap are still open for amendment
Why Physicians Choose Delerme To Architect Their Tax Position, Not Just File It.
Why Physicians Choose Delerme To Architect Their Tax Position, Not Just File It.
Why Physicians Choose Delerme To Architect Their Tax Position, Not Just File It.
Seven components, run by a tax team specialized in medical tax reduction, on every account, every year
Seven components, run by a tax team specialized in medical tax reduction, on every account, every year
Three Years Of Amendments
Filed through power of attorney on every already-filed return that cleared the diagnostic, recovering the position the original filing left on the table.
Three Years Of Amendments
Filed through power of attorney on every already-filed return that cleared the diagnostic, recovering the position the original filing left on the table.
The Multi-Year Strategic Blueprint
One coordinated position across clinical W2, practice ownership, 1099, real estate, and investor activity, holding the recovery in place year after year.
The Multi-Year Strategic Blueprint
One coordinated position across clinical W2, practice ownership, 1099, real estate, and investor activity, holding the recovery in place year after year.
Current Year Filing
Your current return filed as one architected position, not the old separate-stream structure, so the overpayment pattern stops here.
Current Year Filing
Your current return filed as one architected position, not the old separate-stream structure, so the overpayment pattern stops here.
The Q4 Projection Meeting
A dedicated end-of-year session that sets next year's position before December 31, while there is still time to act.
The Q4 Projection Meeting
A dedicated end-of-year session that sets next year's position before December 31, while there is still time to act.
Audit Protection On Every Filing
Past, present, and future returns covered with no hourly add-ons. In 16 years across 500-plus clients, no client has been audited based on our work.
Audit Protection On Every Filing
Past, present, and future returns covered with no hourly add-ons. In 16 years across 500-plus clients, no client has been audited based on our work.
Your Dedicated Account Team
Once the engagement begins, a dedicated Onboarding Manager coordinates your account through to the end. You keep direct lines to your tax attorney and tax manager all year, with no VAs in the chain.
Your Dedicated Account Team
Once the engagement begins, a dedicated Onboarding Manager coordinates your account through to the end. You keep direct lines to your tax attorney and tax manager all year, with no VAs in the chain.
The Encrypted Client Portal
HIPAA-compliant chat with the full team on your account, and secure document handling through every filing.
The Encrypted Client Portal
HIPAA-compliant chat with the full team on your account, and secure document handling through every filing.
The last three years of that gap are still open for amendment
Recover Three Years Of
Recover Three Years Of
Recover Three Years Of
Overpayment
Overpayment
Overpayment In
In Three Simple Steps
In Three Simple Steps
Three Simple Steps
Step 1
Step 1
Get Your Recoverable Projection
It starts with a 45-minute deep-dive call on your situation and your last three returns. We map where the overpayment is likely sitting across your income streams before any number is put on it.
Step 1
Get Your Recoverable Projection
It starts with a 45-minute deep-dive call on your situation and your last three returns. We map where the overpayment is likely sitting across your income streams before any number is put on it.
Step 2
Step 2
See The Number, Sign Or Walk Away
Before any engagement is signed, we present the recoverable figure tied to your account, accurate to within 95 to 98 percent, and walk you through the scope line by line. We only run the engagement when the math works strongly in your favor, and the number is yours either way.
Step 2
See The Number, Sign Or Walk Away
Before any engagement is signed, we present the recoverable figure tied to your account, accurate to within 95 to 98 percent, and walk you through the scope line by line. We only run the engagement when the math works strongly in your favor, and the number is yours either way.
Step 3
Step 3
Recover The Cash, Build The Position
We file your amendments through power of attorney, and the recovery cash typically lands in your account before year end. Your current return is filed as a single position across all your income streams, with the multi-year blueprint built alongside it.
Step 3
Recover The Cash, Build The Position
We file your amendments through power of attorney, and the recovery cash typically lands in your account before year end. Your current return is filed as a single position across all your income streams, with the multi-year blueprint built alongside it.
The last three years of that gap are still open for amendment
We Guarantee Full Transparency Before Any Engagement Is Signed.
We Guarantee Full Transparency Before Any Engagement Is Signed.
We Guarantee Full Transparency Before Any Engagement Is Signed.
Before any engagement letter is signed, we project two specific figures on your account: the recoverable position on your last three returns, and the savings across every income stream going forward. Both are tied to your own filings and accurate to within 95 to 98 percent.
Before any engagement letter is signed, we project two specific figures on your account: the recoverable position on your last three returns, and the savings across every income stream going forward. Both are tied to your own filings and accurate to within 95 to 98 percent.
If the math does not work strongly in your favor, no engagement is offered. Either way, the numbers are yours.
If the math does not work strongly in your favor, no engagement is offered. Either way, the numbers are yours.
Reviewed By 100+ Clients
Reviewed By 100+ Clients
Reviewed By 100+ Clients
Rated 4.9 stars in
Rated 4.9 stars in
"I've used Delerme CPA for years now and every year they excel. They've saved us tons on taxes and have implemented plans that have helped my portfolio soar. PSA: if you own real estate, give them a call.. 30000% ROI"
Jamarious Jackson
"They made tax season stress-free and were always available to answer questions. The team is highly professional, knowledgeable, and responsive. Highly recommend!"
Mireille Rivera
"Angel is great to work with and helped me a lot through the process of relocating back to PR after living over 10 years in the USA. Will use Delerme for my PR tax needs."
JJ Ortiz Rivera
"Tax matters were undertaken expertly by the team at Delerme. I am pleased with the results and a weight was lifted from me in the process."
Jmt
"The best treatment I've received so far related to financial planning and Act 60!!!"
Paul Hoover
"Excellent treatment. I feel like they really cared about my account. I didn't feel like just another client. Best CPA firm that I've worked with in over 30 years."
Hector Garcia
"Then we found Delerme CPA. Angel exactly understood my requirement. He handled it efficiently, returned the phone calls and emails explaining the next step. I will recommend Delerme CPA for individuals and businesses anyday."
Samar Mukherjee
"Excellent service. The process was explained very clearly from the beginning. They were also honest with information about what could happen during the process. The price of the consultation seemed fair."
Maria Santos Villabona Rojas
"If you are looking for an accountant that truly feels like a business partner, these guys are the place to go! The consultative approach has taken a huge weight off my shoulders compared to past firms."
Ryan Lamothe
"I've used Delerme CPA for years now and every year they excel. They've saved us tons on taxes and have implemented plans that have helped my portfolio soar. PSA: if you own real estate, give them a call.. 30000% ROI"
Jamarious Jackson
"They made tax season stress-free and were always available to answer questions. The team is highly professional, knowledgeable, and responsive. Highly recommend!"
Mireille Rivera
"Angel is great to work with and helped me a lot through the process of relocating back to PR after living over 10 years in the USA. Will use Delerme for my PR tax needs."
JJ Ortiz Rivera
"Tax matters were undertaken expertly by the team at Delerme. I am pleased with the results and a weight was lifted from me in the process."
Jmt
"The best treatment I've received so far related to financial planning and Act 60!!!"
Paul Hoover
"Excellent treatment. I feel like they really cared about my account. I didn't feel like just another client. Best CPA firm that I've worked with in over 30 years."
Hector Garcia
"Then we found Delerme CPA. Angel exactly understood my requirement. He handled it efficiently, returned the phone calls and emails explaining the next step. I will recommend Delerme CPA for individuals and businesses anyday."
Samar Mukherjee
"Excellent service. The process was explained very clearly from the beginning. They were also honest with information about what could happen during the process. The price of the consultation seemed fair."
Maria Santos Villabona Rojas
"If you are looking for an accountant that truly feels like a business partner, these guys are the place to go! The consultative approach has taken a huge weight off my shoulders compared to past firms."
Ryan Lamothe
Over $50 Million In Tax Savings Delivered Across 500+ Client Accounts
Over $50 Million In Tax Savings Delivered Across 500+ Client Accounts
Either Six Figures Recoverable Or The Certainty That You Are Not Overpaying Every Year.
Either Six Figures Recoverable Or The Certainty That You Are Not Overpaying Every Year.
Either Six Figures Recoverable Or The Certainty That You Are Not Overpaying Every Year.
The process starts with a 45-minute call, and from there we build a projection from your actual filings and present two numbers before any engagement is signed: the recoverable position on the last three returns, and the savings on every income stream going forward.
The process starts with a 45-minute call, and from there we build a projection from your actual filings and present two numbers before any engagement is signed: the recoverable position on the last three returns, and the savings on every income stream going forward.
If the math is there, the recovery on the prior three years sits in six figures and the forward savings stack on top. If the math is not there, those same numbers confirm you are not overpaying every year, with the return already at the lowest number available. The numbers are yours either way.
If the math is there, the recovery on the prior three years sits in six figures and the forward savings stack on top. If the math is not there, those same numbers confirm you are not overpaying every year, with the return already at the lowest number available. The numbers are yours either way.
What You Get Before Any Engagement Is Signed:
What You Get Before Any Engagement Is Signed:
How much sits recoverable on each of your last three returns, projected and presented before any engagement is signed.
How much sits recoverable on each of your last three returns, projected and presented before any engagement is signed.
How much sits recoverable on each of your last three returns, projected and presented before any engagement is signed.
What coordinating your income streams into one position would save you going forward, on the same accuracy band.
What coordinating your income streams into one position would save you going forward, on the same accuracy band.
What coordinating your income streams into one position would save you going forward, on the same accuracy band.
What year one of the engagement would cover, walked through line by line before any letter is signed.
What year one of the engagement would cover, walked through line by line before any letter is signed.
What year one of the engagement would cover, walked through line by line before any letter is signed.
The numbers are yours from that point onward, whether the engagement runs or not.
The numbers are yours from that point onward, whether the engagement runs or not.
The numbers are yours from that point onward, whether the engagement runs or not.
Either result is worth the 45 minutes: six figures recovered, or the certainty that nothing more is recoverable.
Either result is worth the 45 minutes: six figures recovered, or the certainty that nothing more is recoverable.
Annual Income Of $400,000 Or More Required
Annual Income Of $400,000 Or More Required
Your Recoverable Projection Starts With This Form
Your Recoverable Projection Starts With This Form
Copyright ©2026 Delerme CPA. All rights reserved.
Copyright ©2026 Delerme CPA. All rights reserved.
Copyright ©2026 Delerme CPA. All rights reserved.