On Point CRNA

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.

09/24/2025

Ever wonder what you missed by avoiding the market during the last 32 years? 🤔 Despite all the crashes and fears, those who stayed invested saw their money grow exponentially! Don't let fear keep you out—markets are resilient! 💪✨ Are you in or out?


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.

09/14/2025

CRNAs with S-Corps: here are six missed opportunities I’m seeing on repeat, straight from a real client case study we fixed before year-end.

1) “Reasonable comp” set above the Social Security wage base (unnecessary F**A)
2) Solo 401(k) missing after-tax + in-plan Roth (mega backdoor)
3) Old IRA blocking the regular backdoor Roth (no reverse rollover)
4) Health insurance + HSA not run through payroll for >2% owners
5) $500 auto-enrollment plan credit (for 3 years) not claimed
6) No cash balance plan despite high savings goals

If you’re a 1099 CRNA with an S-Corp, let’s coordinate your tax + planning now so December 31 doesn’t sneak up. Comment “REVIEW” and I’ll DM you.



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.

08/29/2025

Thinking about setting up your 1099 as an LLC? Should you go sole proprietor or S corp? 🤔 It’s more than just taxes—it's about your future! From saving on self-employment taxes to handling payroll, there's a lot to consider. Watch how two CRNAs navigate this decision and find what might work best for YOU. Make smarter choices & take control of your financial future! 💪

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.

08/25/2025

CRNAs know pressure — alarms are chirping, the room is buzzing, and you keep people safe through it all.

But when money emergencies pop up? It can feel just as stressful, only without the monitors and scrub caps.

That’s where the CRNA Emergency Cash Playbook comes in. It’s a clean, practical sequence to find cash without derailing your long-term plan.

Inside you’ll see:
✅ Which funds to tap first (and which to avoid)
✅ Low-cost options before expensive mistakes
✅ How to refill your emergency bucket after the storm

Check out the full playbook here: https://onpointcrna.com/crna-emergency-cash-playbook/

Take a deep breath, swipe through the steps, and know you’ve got a clear path forward.

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.

08/13/2025

💉💼 CRNAs: Ever wonder if 1099 work really beats W-2?
We ran the numbers, and even with a conservative $150/hour rate… it’s not even close.

Our latest CRNA case study compares two identical schedules — 36 hours a week — and shows how a simple shift in structure added $32,143 to annual net income.
Even after giving up a 403(b) match and 7 weeks PTO, the 1099 route still won.
The higher the hourly rate? The bigger the gap.

👉 Swipe through the carousel to see:
• The exact assumptions we used
• Full W-2 vs. Full 1099 results
• Hybrid scenarios
• Why 1099 wins (and when it might not)

📊 Want to see the detailed math behind it?
Click here to read the full blog post: [Insert Link]



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.

08/08/2025

Even God Would Get Fired.
Because no matter how perfect the strategy is—if it feels wrong in the moment, most investors bail.

In this week’s post, I unpack what a legendary study tells us about investing with discipline… even when it hurts. Spoiler: skill isn’t enough—you need staying power.

If you’re a CRNA trying to build long-term wealth in the real world—not the textbook—this one’s for you.

📖 Read it here: https://onpointcrna.com/even-god-fired-investing-crna/



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.

Even God couldn’t avoid a 76% drawdown with perfect stock picks—so what does that say about your investing expectations? CRNAs, here’s why consistency trumps clairvoyance.

07/17/2025

🧨 Attention CRNAs + SRNAs: Big changes are coming for your student loans.

On August 1, interest resumes under the SAVE plan after a federal court struck down the subsidy. And that’s not all:

📌 PSLF credits may be paused during forbearance
📌 A brand-new repayment plan (RAP) launches July 2026
📌 Income recertification could cause payments to spike
📌 Tax filing choices (like married filing separately) now affect your monthly bill more than ever

If you’ve got six figures in loans—or know you will—don’t wing it. Let’s build a plan that helps you pay less and sleep better.

🎯 Read the full update here → https://onpointcrna.com/crna-student-loan-changes-2025/
📅 Or book a free call at OnPointCRNA.com



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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.

07/09/2025

💡 CRNA-owned S‑Corp? Covering your own health insurance, maxing that HSA, and wondering how to handle payroll taxes without screwing it all up?

This blog breaks down exactly how to treat health insurance premiums and HSA contributions for tax savings—without the IRS side-eye.

If you’re paying yourself as a W‑2 employee, this one’s a must-read.

➡️ https://onpointcrna.com/s-corp-health-insurance-hsa-payroll-tax-crna/

Drop a comment with questions—or send it to a CRNA colleague who’s still DIY’ing payroll and playing tax roulette.



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.

06/25/2025

Think ETFs are tax-efficient? Think again.

If you’re a high-income CRNA or 1099 earner sitting on a growing taxable account, direct indexing might be the upgrade you didn’t know you needed.

Same index exposure. More flexibility. Real tax savings.
Start investing like the top 1%—without changing your lifestyle.

👉 https://onpointcrna.com/direct-indexing-for-high-income-investors



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.

Discover how direct indexing can reduce taxes, boost returns, and customize your portfolio—especially for high-income CRNAs and 1099 earners.

06/23/2025

💡 Tax strategy meets investment flexibility.

What if you could lower your tax bill without changing your investment philosophy?

For high-income CRNAs and 1099 earners, direct indexing may be one of the most powerful (and underused) tools available. Same exposure. More control. Less tax drag.

Read the full post here 👉 https://onpointcrna.com/direct-indexing-for-high-income-investors/



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.

Discover how direct indexing can reduce taxes, boost returns, and customize your portfolio—especially for high-income CRNAs and 1099 earners.

06/16/2025

🧾 If you can manage an airway, you can manage your books.

But let’s be honest—most CRNAs are tracking business finances with the “organized chaos” method (aka a shoebox and vibes).

This blog breaks down how to handle bookkeeping in 10 minutes a quarter—without needing a CPA on speed dial.

💡 Read it here: https://onpointcrna.com/crna-bookkeeping-basics/