Fee-only fiduciary planning for dentists
Practice by choice — not because you have to.
You built a thriving practice and a strong income. We help dentists turn that into real, coordinated wealth — one plan across your practice, taxes, investments, and future — so your money buys freedom, not more to manage.
Free, no pressure, no products — just a conversation about your situation.
The dentist’s financial problem
Success creates more options — and more moving parts.
As your income and practice grow, the decisions multiply. Most of them get made in isolation, by people who only see one piece. That is how successful dentists end up busy, well-paid, and still unsure whether it all adds up.
- Higher income, but no coordinated plan for what it should do
- A growing practice, yet limited personal liquidity
- Retirement and investment accounts scattered across providers
- Tax decisions made reactively, every April
- Most net worth concentrated in the practice or real estate
- No written plan for an eventual transition
- Advisors focused on products instead of the whole picture
Our approach
One framework: Awareness, Alignment, Autonomy
A simple path from seeing your whole financial picture to living with real freedom.
Awareness
Take the financial X-ray before the treatment plan.
We start by understanding your entire financial position — not just the account someone wants to sell you.
- Cash flow, taxes, investments, debt, retirement accounts, practice value, risk exposure, personal and family goals, existing relationships, and planning gaps.
- You finally see the whole picture in one place, clearly.
Alignment
Make the moving pieces work as one strategy.
Financial decisions should reinforce each other, not sit in disconnected accounts and products.
- Personal and practice cash flow, tax planning, investments, retirement plans, debt, insurance, practice growth, and family priorities — coordinated into one plan.
- Every decision points in the same direction — toward your goals.
Autonomy
Build the freedom to decide without fear.
The goal isn’t just retirement. It’s the financial ability to make choices on your terms.
- A plan that lets you practice by choice, reduce clinical time, expand thoughtfully, sell on your terms, spend time with family, give generously, or keep working because you want to.
- You practice because you choose to — not because you have to.
Who we help
Planning built around where you are
The decisions change at every stage of a dental career. Find yours.
Associate dentists
Student loans, contracts, cash flow, and the path to ownership.
ExplorePractice buyers
Due diligence, purchase-price evaluation, and financing a first practice.
ExplorePractice owners
Tax-aware planning, retirement-plan design, and wealth beyond the practice.
ExploreMulti-location owners
Expansion modeling, capital allocation, and partner planning.
ExplorePreparing to sell
Valuation, deal evaluation, tax planning, and sale readiness.
ExploreTransitioning & retiring
Turning a career and a sale into lasting, tax-aware income.
Explore
What we do
Four ways we coordinate your financial life
Every service connects back to one plan built around your goals.
Financial planning for dentists
Your whole financial life — practice, personal, and taxes — in one coordinated plan.
Learn moreWealth management for dentists
Evidence-based, tax-aware investment management inside a real financial plan.
Learn morePractice 401(k), profit sharing & cash balance plans
Retirement plans for dental practices — designed to fit your income and your team.
Learn morePractice transitions & valuations
Buying, valuing, or transitioning a practice — with a free valuation calculator. A fee-only advisor, never a broker.
Learn moreExecutive & owner coaching
One-on-one coaching for owner-dentists — lead your team, grow the business, and stop being the bottleneck.
Learn more
An illustrative example
How coordinated planning changes the picture
Consider a 42-year-old practice owner earning a strong income who still feels financially stuck. Here is how coordinated planning could connect the pieces. This is a hypothetical illustration for education only — not a client, a result, or a guarantee.
- A basic 401(k) and little else for retirement
- Significant cash sitting idle in the practice
- High student and practice debt
- Most net worth concentrated in the practice
- No written transition strategy
- Income arrives and disappears with no plan.Every dollar has a job across saving, debt, and investing.
- A basic 401(k) far below contribution potential.A 401(k) plus cash balance plan modeled to fit income and staff.
- Reactive, return-only decisions each spring.Proactive, year-round strategy coordinated with the CPA.
- Balances carried without a deliberate order.A prioritized plan matched to rates and goals.
- Idle practice cash and concentration risk.Diversified wealth building outside the practice.
- A large, unmeasured, illiquid asset.Understood, monitored, and part of the plan.
- No written plan for an eventual exit.A path toward selling on their terms — by choice.
How it works
A clear path, from first call to real freedom
Tell us where you are
A no-cost discovery conversation about your goals.
See the complete picture
We build your financial X-ray before advising anything.
Build & implement
One coordinated strategy, put into motion with your team.
Adjust as life evolves
Ongoing planning as your practice and family change.
Why we exist
“Too many dentists were being handed financial products when what they needed was a plan. We built Dental Wealth Partners to give dentists coordinated, fee-only advice — advice measured only by whether their money is buying them more freedom.”
Ian McGinnis, Founder
Read our storyLearn with us
Education, not a sales pitch
The book, the podcast, and our writing exist to make dental finance clearer — whether or not you ever work with us.
The Wealthy Dentist
Smarter money. Less stress. More life.
Smiles & Cents
Conversations on money, practice, and building a life dentists actually want.
Plain-English guides
- Student loan strategy for dentists: forgiveness, repayment, or refinance?
- Should dentists refinance their student loans? A decision guide
- How to buy a dental practice: a financial due-diligence guide
Common questions
Questions dentists ask us first
Fee-only — sometimes called non-commission — means we are paid only by our clients, never by commissions, product sales, or referral fees. As a fiduciary, we are held to a standard of acting in your best interest. Together, that removes the product-sales incentives that shape a lot of financial advice.
Dental Wealth Partners is built specifically for dentists and dental practice owners. That focus is why we understand associate contracts, practice purchases, cash balance plans, and transitions the way a generalist advisor may not.
We plan for dentists across the United States. Reach out and we will confirm we can work together where you are.
It is a no-cost, no-pressure conversation about where you are and where you want to go. We will tell you honestly whether we are a good fit and where planning would help you most.
Your practice should support your life — not control it.
Build a coordinated financial strategy designed around your practice, your family, and the freedom you want your work to create.