---

Join the 5% of dentists who can afford to retire at age 65. Using these winning financial strategies, you can develop a game plan to increase your net worth, reach financial freedom, and reduce stress. This hard-hitting program contains “inside information” that you simply can’t find elsewhere - gleaned from over 30 years of working exclusively with the dental profession. Highlights include:

• Creative strategies to slash taxes
• Practice building and overhead control to boost profitability
• Winning saving and debt reduction strategies
• How to cut children’s educational costs by 50% or more
• Ways to save thousands in unnecessary insurance costs
• Tax-deductible retirement savings strategies
• How to maximize tax-free income
• Strategies for increasing business tax deductions

Recommended for doctors 5+ years away from retirement. If you are less than 5 years from retirement, please attend our Doctors Approaching Retirement course.

---

---

---

You will face more decisions in the last few years of practice than at any other time throughout your career, and these decisions will be some of the most important you’ll ever make. Unfortunately, most doctors have neither the time nor the financial training to effectively address the numerous financial issues related to retirement. As a result, many doctors lose hundreds of thousands of dollars. Learn the leading edge strategies you need to develop a well-designed plan to ensure a successful retirement. Key topics include:

• When can you afford to retire?
• When and how to take retirement plan and IRA distributions
• Meeting cash flow needs in retirement
• Converting to tax-free Roth IRAs
• Methods to reduce taxes on the sale of your practice
• Social Security timing to maximize benefits

Recommended for doctors 5 or less years from retirement. If you are more than 5 years from retirement, please attend our Achieving Financial Independence course.

---

---

---

Are you paying too much and ending up with too little? This course will show you the current pertinent federal estate and gift tax rules (e.g. available exemption amounts, deductions, credits, tax rates, etc.). This course will also show you how to implement aggressive family tax planning strategies to dramatically slash taxes, as well as successful estate planning and various asset protection strategies, and how to avoid estate planning mistakes! Topics covered include:

• Current estate and gift tax rules
• Estate planning techniques for taxable and nontaxable estates
• Use of Family Limited Partnerships to slash taxes and protect assets
• Use of trusts
• Proper insurance coverages
• Disposition of IRAs and retirement plan accounts
• Lifetime gifting
• Marital Rights Issues

---

---

---

As your practice starts to hit its stride, it’s important to begin planning for the long-term goal of achieving financial independence.  This 2-day program will help you get and stay on track with building blocks for a successful career.  Our top advisors share guidance for building and growing a practice in today’s changing dental economy, as well as personal planning advice for laying the foundations for long term financial security and peace of mind.  Featured topics include

• Growth and Long-Term Transition Strategies
• Partnerships 101
• Overhead/Budgeting
• Role of PPOs
• Targeting Retirement Goals
• Educational Planning
• Tax Avoidance
• Tax Efficient Investment Strategies

---

---

---

This fast-paced course is full of proven strategies our clients have used to build their practice and achieve financial independence. Our 3-day condensed program will cover vital topics you need to know to reach your financial goals from debt-reduction to improving investment returns to increasing your practice's sale value. Learn from our team of experts - tax attorneys, CPAs and CFP® professionals with over 100 years of combined experience working exclusively with dentists, in this new innovative seminar. Highlights include:

• How to increase savings for retirement on a tax-deductible basis
• Creative strategies to slash taxes and increase business tax deductions
• Winning debt-reduction and savings strategies
• Proper asset allocation, portfolio design, and investing strategies to avoid common costly mistakes
• Timing your transition to maximize benefits and minimize taxes
• How to increase your practice's sale value
• Determine how much you will need to retire and how to meet your cash flow needs in retirement
• Social Security timing to maximize benefits

---

---

---

The number of Dental Service Organizations (DSO) is growing rapidly. Unfortunately, brokers are aggressively making misleading claims to potential sellers about DSO benefits. While selling to a DSO can be a lucrative financial decision, it’s not the only transition option to consider, and like with any choice, it’s right for some but not for others. This course is designed to provide objective advice to determine your practice’s true value and if selling to a DSO is right for you. You’ll further learn how to avoid legal tax traps that could potentially cost you millions of dollars in what could be the biggest financial transaction of your life. Objectives and key topics include:

• How to determine your practice’s true EBITDA value
• Components of a typical transaction (cash, stock, hold-back, work-back period, etc.)
• Update on the current market
• How to determine the true economic value of a DSO offer
• Advantages and disadvantages of selling to a DSO
• Tax traps and opportunities in selling to a DSO
• Legal pitfalls in DSO sale negotiations

---

---

---

You’ll face more decisions in the last few years of practice than at any other time throughout your career, and these decisions will be some of the most important you’ll ever make. And unfortunately, there aren’t any mulligans when retiring and selling your practice. Since most doctors need the income generated from the sale of their practice to take them over the finish line into financial independence, you can’t afford to get it wrong. Ensure a successful retirement by learning the leading-edge strategies needed to develop a well-designed game plan that will help you approach your transition, and this next phase of your life, with confidence.

Key topics include:

• When can you actually afford to retire?
• Easy ways of increasing your practice marketability leading up to a transition.
• Pros and cons of various alternative transitions: selling to a DSO versus an individual doctor.
• How to position your practice to optimize your transition outcome.
• Methods to reduce taxes on the sale of your practice. Meeting cash flow needs in retirement.
• When and how to take retirement plan and IRA distributions.
• Social security timing to maximize benefits.

---

---

---

This course covers the various legal structures of practice transitions, the practical effects, advantages and disadvantages of each, as well the tax ramifications to each party. Learn about proper planning and structuring to avoid pitfalls, and how to optimize tax results for both buyer and seller. This program also addresses the various legal documents and the variety of issues common in practice transition negotiations, and more! Highlights include:

• Associateship and post-sale services agreements
• Practice sales, buy-ins, buy-outs, mergers, and dissolutions
• Purchase price allocation
• Seller financing and related issues (e.g. recapture)
• Related party rules
• Use of deferred compensation
• Real estate matters (e.g. sale, lease, right of first refusal, option to purchase, 1031 exchange)
• Restrictive covenants
• Buy-sell provisions among owners
• Income division among owners
• Life insurance, disability buy-out insurance, overhead insurance
• Entity selection

---

---

---

When it comes to investing, you can often be your own worst enemy!  Emotional timing mistakes and high fees are two of the problems decimating doctors’ investment returns.  After 16 years of analyzing investment portfolios, we have found the average doctor is losing 4% or more each year due to these common mistakes.  This course will teach you how to not only capture the missing 4%, but add to it!  Topics covered include:

• Understanding fees and how to lower them
• Sophisticated low-cost investment strategies using index and actively managed funds
• DOL Fiduciary responsibility UPDATE for Plan Sponsors & Trustees
• Proper asset allocation and portfolio design
• Savings strategies that remove market emotions
• How to properly benchmark investment performance
• Tax-efficient investing, tax loss harvesting and donor advised funds
• Pre- and post-retirement Roth IRA conversion strategies

---

---

---

Dentistry today is in the early stages of massive change in terms of practice values, new tax strategies, insurance reimbursement rates, PPOs, corporate dentistry, and the approaching retirement of Baby Boomers.  Learn how to position your practice in order to understand all of these forces and optimize your transition outcome, whether your transition plans are immediate, near-term, or further down the road. Just some of the topics covered at this entertaining and informative course are:

• Where is dentistry headed?
• PPOs, corporate dentistry, and shifts in payer sources
• Rising practice values
• Timing your transition for maximum benefit
• Partnerships: buy-ins / buy-outs – secrets to success
• Associateships: what determines success?
• Drivers of fair market value and how to increase your FMV
• Tax reduction strategies for practice sales

---

---