Dentistry sits at the intersection of clinical expertise and business ownership in a way that few other professions do. Most dentists aren't just practitioners — they're business owners, employers, and real estate investors, often within the first few years of finishing school.
At Intentional Living Financial Planning, we work with dentists and dental practice owners who need a financial plan that accounts for the full picture — the clinical career, the business, the debt, the taxes, and the personal goals that make all of it worthwhile. Whether you're an associate evaluating a buy-in, a solo practitioner growing your first practice, or a multi-location owner planning your next move, the financial decisions compound quickly and deserve serious attention.
The financial life of a dentist is uniquely complex. You may carry significant student debt, own a business that requires constant reinvestment, manage employees and overhead, and still need to build personal wealth outside of the practice. Getting all of those pieces working together is what we do.
What We Help Dentists With
Practice ownership and buy-in decisions. Whether you're evaluating an associate-to-owner buy-in, purchasing an existing practice, or starting from scratch, these are some of the biggest financial decisions you'll ever make. We help you assess the opportunity, understand the financing, model the cash flow, and make sure the deal fits within your total financial plan — not just your career ambitions.
Multi-practice strategy. Growing from one location to two or more changes the financial equation significantly. We help you evaluate expansion opportunities, model the capital requirements, plan for increased overhead and staffing costs, and make sure your personal finances stay strong as you scale the business. Growth for its own sake isn't a plan — growth that builds real wealth is.
Tax planning for practice owners. Practice ownership creates both complexity and opportunity when it comes to taxes. Entity structure, retirement plan design, equipment depreciation, real estate ownership, and income timing all factor in. We coordinate with your CPA to build a multi-year tax strategy that minimizes your burden and keeps more of what you earn working for you.
Succession and exit planning. Whether retirement is five years away or twenty, your practice is likely your largest asset. We help you build a succession plan that maximizes the value of the practice, structures the transition in a tax-efficient way, and ensures the sale delivers lasting financial independence — not just a one-time payout.
Student loan strategy. Many dentists leave school with $300K–$600K+ in student debt. The repayment strategy — refinancing, aggressive payoff, income-driven plans, or a hybrid approach — depends on your income, practice ownership timeline, tax situation, and long-term goals. We build a loan strategy that's coordinated with everything else, not treated as a separate problem.
Disability insurance. Your ability to practice is your most valuable asset, especially as a practice owner. A specialty-specific, own-occupation disability policy is critical for dentists — and the details matter. We help you evaluate coverage, identify gaps, and make sure you're properly protected against the unexpected.
Retirement and financial independence planning. Whether you want to practice into your sixties or reach financial independence much sooner, we build a plan around your timeline. That includes retirement account strategy (401k, cash balance plans, defined benefit plans, backdoor Roth), investment management, and a clear projection of when work becomes truly optional.
Our Services
We provide comprehensive, fee-only financial planning covering every dimension of your financial life — investment management, tax planning, student loan strategy, retirement planning, practice ownership consulting, multi-location strategy, disability insurance review, estate planning, real estate consulting, cash flow planning, benefits and open enrollment guidance, and coordination with your CPA, estate attorney, and other professional advisors.
Every plan starts with what matters most to you. We follow a framework of Values, Goals, Decisions, and Actions — ensuring your money is aligned with the life you actually want to live.