Cutler, Schwartz & Schwartz

What Cutler, Schwartz & Schwartz does

Cutler, Schwartz & Schwartz was a privately held, full-service CPA firm based in New York that specialized in tax preparation, tax planning, accounting, and related advisory services for healthcare professionals — primarily individual physicians, dental and medical practice owners, and organized medical groups. The firm was led by Donald E. Cutler, CPA and operated with a small professional headcount of 11–50 employees, delivering personalized, relationship-led client engagements rather than scaled technology-driven services.

The firm's product surface historically centered on tax preparation, accounting, and integrated financial coordination; following its acquisition and full integration into Earned (Earned Wealth Advisors, LLC), it now operates as the tax and accounting module of a broader wealth-and-tax platform for doctors. The combined offering spans wealth management (delivered through Earned Wealth Advisors, an SEC-registered investment adviser), tax preparation and planning, retirement plans (including Solo 401(k) structures), insurance, accounting, payroll, and legal coordination. Supporting infrastructure includes the Earned Institute educational platform (articles, videos, calculators, structured physician 'Journeys'), the Earned iOS mobile application for goal tracking and spend monitoring, and the TaxCaddy client portal for document exchange.

The business model is professional services-based, generating revenue through advisory fees, tax preparation fees, accounting fees, and asset-based fees on managed wealth — with a stated subscription/recurring characteristic and pricing structured around engagement complexity rather than disclosed tiers. Go-to-market is consultative and referral-driven, layered with content marketing via Earned Institute and free initial consultations. Cutler, Schwartz & Schwartz is no longer an independent operating entity; its clients, advisors, and brand have been absorbed into Earned, which serves over 20,000 physician clients with $3.9B in assets under management.

Name

Cutler, Schwartz & Schwartz

Legal name

Cutler, Schwartz & Schwartz

Website

https://cutlerss.com

Company type

Private

Operating status

Acquired

Headcount range

11–50 employees

Short description

Cutler, Schwartz & Schwartz was a New York-based CPA firm providing tax, accounting, and advisory services to physicians and medical practices. It has been acquired by and now operates within Earned, a comprehensive wealth-and-tax platform for doctors.

Ownership category

akta.pro rank

Product category

Physician Financial Advisory Services

NAICS

Offices of Certified Public Accountants (541211)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Litigation & Dispute Valuation (damages, shareholder disputes) (FSAEAHAI)

Keywords

• Physician wealth management
• Medical practice tax services
• Doctor financial planning
• Healthcare accounting services
• Practice retirement planning

Headquarters

HQ city

New City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory and Wealth Management Services: Revenue generated through professional advisory fees for integrated wealth management, tax preparation, accounting, retirement planning, insurance, payroll, and legal coordination services for doctors and their medical practices.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Cutler, Schwartz & Schwartz is a CPA firm providing tax preparation, tax planning, accounting, and integrated financial advisory services for doctors, their families, and their medical practices. Now operating under the Earned brand, the firm delivers wealth management, retirement planning, insurance, payroll, and legal coordination through a single dedicated team purpose-built for the medical profession.

Product overview

Cutler, Schwartz & Schwartz, now part of Earned, operates as a comprehensive wealth and tax firm designed specifically for doctors. The offering is a unified platform combining multiple service modules: Wealth Management (via Earned Wealth Advisors), Tax Preparation & Planning, Retirement Plans, Insurance, Accounting, Payroll, and Legal Coordination. The company also offers a proprietary mobile app for iOS devices that enables doctors to track financial goals, monitor spending trends, and manage subscriptions. The Earned Institute provides educational content and calculators. Investment advisory services are provided by Earned Wealth Advisors, an SEC-registered investment adviser, with other services delivered through affiliated entities.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Individual clients report tax savings exceeding $100,000 through integrated tax-smart wealth management
• +2 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Earned (Earned Wealth Advisors, LLC)coreStrategic or Co-development PartnerCutler, Schwartz & Schwartz has been acquired by and integrated into Earned, the first-of-its-kind comprehensive wealth and tax firm specifically designed for doctors. This merger unifies the trusted tax expertise of Cutler, Schwartz & Schwartz with Earned's full suite of wealth, retirement, insurance, and legal advisors. The acquisition expands service capabilities and client base, with Cutler, Schwartz & Schwartz clients now gaining access to Earned's integrated platform while maintaining continuity with their existing advisors.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Anchin: Anchin is an accounting, tax, and advisory firm with private-client and healthcare experience. It overlaps with Cutler's CPA, tax, and medical-practice capabilities but has a wider industry focus.
• BDO USA: BDO USA offers tax, audit, accounting, consulting, and wealth-management/private-client services, including healthcare advisory. It is comparable on integrated business and personal financial services, though substantially larger and broader.
• Moss Adams: Moss Adams provides tax, accounting, consulting, and private-client services, with a dedicated healthcare industry practice. It is relevant as a scaled accounting, tax, and wealth-advisory competitor for professional practices, but it is not physician-specific.
• Marcum: Marcum provides accounting, tax, consulting, and wealth-management/advisory services to businesses and individuals, including healthcare clients. Its integrated professional-services model and healthcare exposure are comparable, though the firm is much broader.
• The Colony Group: The Colony Group provides integrated wealth management, tax planning, estate planning, and family-office services to high-net-worth individuals and institutions. It overlaps with Cutler's personal-and-practice financial coordination but serves a broader client base.
• Corient: Corient is a scaled wealth-management and financial-planning firm serving affluent individuals, families, and institutions, with tax and estate-planning capabilities. It is comparable on high-net-worth advice and coordinated planning, though not physician-specific.
• EisnerAmper: EisnerAmper provides accounting, tax, consulting, and private-client services, including work with healthcare businesses and professionals. It is comparable on tax/accounting and private-client coordination for medical practices, while serving many other industries.
• Creative Planning: Creative Planning offers wealth management, tax, estate, retirement, and related advisory services through a national platform. Its broad service stack and recurring advisory model are comparable, although its target market is more diversified.

Direct peers

• Prager & Fanta: Prager & Fanta provides financial planning and wealth-management services to physicians and other professionals, with a physician-centric advisory model. It is comparable because it combines specialized advice for medical professionals with long-term financial planning.
• Curi: Curi is a physician-focused financial-services platform offering risk management, insurance, and wealth-management solutions to medical professionals. Its physician target market and integrated financial-services model make it the closest comparable.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/earnedwealth
• LinkedInlinkedin.com/company/earnedwealth/posts/?feedView=all
• Instagraminstagram.com/earnedwealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cutler, Schwartz & Schwartz