CuraVein™ Retirement Pathfinder
Model your path to $5M in 10 years — vein clinic income, ER shifts, and tax-advantaged compounding
Projected 10-Year Total
$1,973,352 / $5,000,000
Gap: -$3,026,648
CuraVein Business Inputs
Number of active CuraVein locations
1
2
3
4
5
Revenue per location per year (Year 1)
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,500,000
Annual revenue growth rate per location
5%
8%
10%
12%
15%
New locations added per year (after Year 2)
0
0.5 (1 every 2 years)
1
2
EBITDA margin
20%
25%
30%
35%
40%
Owner physician W-2/1099 compensation from clinic (annual)
$150,000
$200,000
$250,000
$300,000
$350,000
% of post-compensation EBITDA distributed to owner annually
30%
40%
50%
60%
70%
Exit event planned?
ER Physician Income Inputs
Annual ER shift income (gross W-2/1099)
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
ER shift income after Year (stop or reduce)
Year 2
Year 3
Year 5
Year 7
Year 10 (continue full term)
Retirement Vehicle Inputs
Primary retirement vehicle
Solo 401(k)
SEP-IRA
Defined Benefit Plan
Solo 401(k) + DBP combo
Annual Solo 401(k) / SEP contribution (% of max allowed)
50% of max
75% of max
100% of max
Catch-up contributions eligible? (age 50+)
After-tax brokerage investing (annual, from distributions + ER income)
$0
$25,000
$50,000
$75,000
$100,000
$150,000
$200,000
Portfolio allocation
Conservative (5% return)
Moderate (7% return)
Aggressive (9% return)
All-equity (10% return)
Effective income tax rate (blended federal + state)
28%
32%
35%
37%
40%
Model Assumptions
Goal Tracker
Tax-advantaged accounts
$937,118
Taxable portfolio
$1,036,234
Total ER income invested
$750,000
Cumulative wealth accumulation by source
Tax-Advantaged
Taxable Portfolio
Y1
Y2
Y3
Y4
Y5
Y6
Y7
Y8
Y9
Y10
0
0.5
1
1.5
2
Value ($M)
Annual Cash Flow Table
Sensitivity Analysis — Variable Impact on 10-Year Total
After-tax brokerage
+$345,411
Portfolio return
+$199,210
Revenue per location
$0
Annual growth rate
$0
EBITDA margin
$0
Scenario Comparison
CONSERVATIVE
$1,867,050
Gap: -$3,132,950
1 location, $600K revenue, 5% growth, no exit
BASE CASE
$1,973,352
Gap: -$3,026,648
Current user inputs
AGGRESSIVE
$8,410,999
On track
3 locations, 12% growth, Year 5 exit at 7x
How This Works
0