Nirav Desai is the founder of Qubera Wealth Management and its financial advisor. He works with physicians, business owners, and professionals in technology and sales on portfolio construction, tax planning, alternative investments, and business transition planning. A large part of that work over the past several years has been with physicians and dentists on the selling side of private equity transactions: reading term sheets, modeling the after-tax outcome, and building household plans around a pay cut and an illiquid rollover position.
He holds an MBA from the UCLA Anderson School of Management and an MS in Computer Science from the USC Viterbi School of Engineering. Before founding Qubera he worked in technology, which is where the habit of checking every number against a primary source comes from. He has written about investing and global markets at keepcalmandinvest.com since 2012.
Nirav does not hold a CFP, CFA, CPA, JD, or other professional designation, and nothing on this site should be read as legal or accounting advice. Qubera works alongside your attorney and CPA, not in place of them.
Qubera is a fee-only fiduciary registered investment advisor based in Los Angeles, California. Fee-only means the firm is paid by clients and only by clients: no commissions, no referral fees, no payments from buyers, bankers, fund sponsors, or attorneys. Fiduciary means the firm is required to put your interests first. The firm serves both accredited and non-accredited investors across taxable, retirement, and trust accounts.
Qubera charges a flat fee for defined engagements such as a term-sheet review, and a percentage of assets for ongoing investment management. The second arrangement means the firm earns more when clients invest more with it, which is a conflict of interest. It is disclosed here and in Form ADV Part 2A, and it is one reason this site spends as much space telling you when you do not need us as it does explaining what we do.
Most of what physicians read about selling to private equity is written by people on the buying side of the table or paid by the deal: platforms, their bankers, and the brokers who bring them practices. Law firms publish careful and useful work, but at a graduate reading level and mostly about the entity, not the household. Almost nobody writes about what a physician actually keeps after rollover, holdback, fees, and tax, or about how to live on a salary that just dropped by a quarter while a third of your net worth sits in a company you cannot sell.
This site tries to fill that gap at a reading level a busy clinician can absorb between patients. It is a companion to two earlier sites from the same firm: physicianfinancialplan.com, on retirement planning for physicians, and 1031exchangeplan.com, for real estate owners deciding what to do with a long-held property.
Every figure on this site was checked against a primary or named secondary source in September 2026: the Internal Revenue Code and Treasury regulations, IRS revenue procedures and notices, state statutes and regulations, published court decisions, and named studies in JAMA, Health Affairs, and the American Journal of Roentgenology, along with reports from PitchBook, Bain, the Commonwealth Fund, the Physicians Advocacy Institute, and the AMA. Multiples are described as reported ranges from investment banks, not as offers. Where a figure could not be confirmed, it was left out rather than estimated. Each page carries the date it was last updated, and the tax pages will be reviewed when the IRS publishes 2027 inflation adjustments.
Nothing on the site names a recommended platform, banker, attorney, or fund. Platforms are named only as facts about the market.
Qubera Wealth Management is a registered investment advisor. Registration does not imply a certain level of skill or training. This website is educational and general in nature; it is not tax, legal, or investment advice, and reading it does not create an advisory relationship. Tax law changes frequently, and the figures here were current as of the update date on each page. The case study is a composite drawn from client work with identifying details and figures changed; it is not a guarantee of similar results. Private equity rollover equity is illiquid, subordinate to lenders and preferred investors, and can lose all of its value. Form ADV Part 2A is available on request and at quberawealth.com.