New retirement plan designs based on new laws and regulations.

Retirement plan design laws have recently undergone changes that could provide significant benefits to physicians. The issues are complex, however. Effective retirement plan strategies for physicians must be crafted to align with specific goals; no clear "best choice" plan exists. This article outlines the intricacies of various funding options for retirement benefits for physicians and medical office staff. Several examples illustrate several of the permutations that are available to achieve a variety of goals. Physicians seeking to maximize benefits while minimizing economic impact should seek counsel from a competent expert on retirement plan design.