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For Dentists

Dental School & Early Career

You’re juggling six-figure student loans while considering the high cost of new equipment and maybe even an early practice buy-in. It feels like you’re starting the race from behind.
Pain Points:
  • Overwhelming student loan balance with complex repayment options.
  • Pressure to buy expensive new technology and equipment.
  • Uncertainty about structuring associate income vs. future practice
    ownership.
Solutions:
  • A personalized student loan analysis (PSLF vs. private refinance).
  • A cash flow plan to balance debt repayment with equipment savings.
  • Guidance on personal vs. business entity structuring from day one.
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Practice Building

Your income is growing, but so are your overhead costs. Managing staff payroll, marketing expenses, and business debt can feel like a second full-time job.
Pain Points:
  • Managing unpredictable cash flow and high overhead costs.
  • Struggling to offer competitive employee benefits to attract and retain staff.
  • Balancing practice reinvestment with personal savings goals.
Solutions:
  • Business budgeting and cash flow optimization strategies.
  • Design and implementation of tax-efficient retirement plans (e.g., Safe Harbor 401(k)).
  • A clear financial plan that separates and prioritizes business and personal financial goals.
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Growth & Stabilization

The practice is running smoothly, but your entire income is tied to your ability to be chairside. The risk of burnout is real, and the thought of a career-ending injury is a constant worry.
Pain Points:
  • Feeling “tethered to the chair” with high income but little time.
  • Worrying that a single injury could jeopardize the practice and personal income.
  • Realizing practice equity makes up the vast majority of your net worth.
Solutions:
  • A strategy to maximize savings and build wealth outside of the practice.
  • Comprehensive review and implementation of own-occupation disability and practice overhead insurance.
  • A diversified investment management strategy to reduce concentration risk.

Pre-Retirement & Exit

You’re ready to consider retirement, but you’re unsure what your practice is worth or how to navigate a sale. The process is daunting.
Pain Points:
  • Unsure of the practice’s true market value.
  • Navigating the complexities of finding a buyer and structuring a deal.
  • Concerned about the significant tax implications of a practice sale.
Solutions:
  • Coordination with valuation specialists to determine a realistic asking price.
  • Development of a comprehensive succession and exit plan.
  • Advanced tax planning strategies to minimize the tax bite from the sale proceeds.
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The Dentist as a Business Owner

Practice Debt vs. Personal Debt

We help you structure financing for equipment, buy-ins, and real estate in a way that protects your personal assets and optimizes cash flow.

Tax-Efficient Retirement Structuring

Go beyond a simple IRA. We’ll analyze and implement the right mix for your practice, whether it’s a Safe Harbor 401(k), a profit-sharing plan, or an advanced cash balance plan to maximize tax-deductible savings.

Succession and Buyout Agreements

A solid exit plan starts years before you hang up the handpiece. We help you structure buy-sell agreements and continuity plans to ensure a smooth transition for you, your partners, and your staff.

Valuation and Sale Planning

Understand the true value of your life’s work. We coordinate with valuation experts and help you prepare the practice for a sale that maximizes your financial outcome and minimizes your tax burden.
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FAQ

Buying provides immediate cash flow but may come with outdated systems. Starting from scratch offers full control but requires a longer ramp-up to profitability. We can help you analyze the financials of both scenarios.
We can compare bank loans, equipment financing, and leasing. The best choice depends on the equipment’s cost, your practice’s cash flow, and the tax implications (e.g., Section 179 deductions).
It’s crucial to diversify. We’ll set up and maximize contributions to a plan like a 401(k) with profit sharing or a cash balance plan, while also building a separate, diversified investment portfolio.
At least 5-7 years before you plan to sell. A good plan takes time and involves getting financials in order, identifying a successor, and structuring a buy-sell agreement.
A Safe Harbor 401(k) is a great start. For highly profitable practices, a Cash Balance Plan can be layered on top, allowing for massive tax-deductible contributions in your peak earning years.