Topic
Retirement plans for dental practices
The right practice retirement plan can shelter far more than a basic 401(k). These guides compare plan types and explain cash balance plans for high-income owners.
- 3 min
Time is your most important asset — the real link between time and money
Money is renewable; time is not. Why time — not money — is a dentist’s scarcest asset, and how that truth should reshape financial decisions.
Read article → - 2 min
When should a dentist claim Social Security?
Claiming Social Security early, at full retirement age, or at 70 changes your benefit for life. How dentists should think through the timing decision.
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Don’t retire yet if this is you: 5 warning signs
Reaching a target balance isn’t the only test of retirement readiness. Five warning signs — financial and personal — that you may not be ready yet.
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When should you stop saving and start spending?
Lifelong savers often struggle to spend in retirement. How to know when you have “enough,” and give yourself permission to enjoy what you built.
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The role of bonds in retirement: playing not to lose
Bonds won’t make you rich, but in retirement they do a different, vital job: stability and safe money to spend so you’re not forced to sell stocks in a downturn.
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The big tax mistakes retirees make (and how to avoid them)
Taxes don’t stop in retirement — they change. The most common and costly tax mistakes retirees make, from RMD surprises to poor withdrawal timing.
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Retirement withdrawal strategy: which accounts to tap, and when
The order you withdraw from taxable, tax-deferred, and Roth accounts can save years of taxes. Why your withdrawals look different before and after Social Security.
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Building your retirement paycheck: turning savings into income
Retirement flips the problem from saving to spending. How dentists can turn a portfolio and practice-sale proceeds into a reliable, tax-smart paycheck.
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How should a dentist set their asset allocation?
Asset allocation — your split between stocks, bonds, and cash — drives most of your returns and risk. How dentists should set and maintain theirs.
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The top 5 financial moves for dentists (by area)
A fast, high-impact checklist: the top 5 things to do for retirement, practice ownership, taxes, investing, and protection — for busy dentists.
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SEP IRA vs. Solo 401(k) vs. SIMPLE: which is best for a dentist?
A Solo 401(k) usually beats a SEP IRA for a dentist with no employees; SIMPLE and full 401(k)s fit practices with staff. How to choose the right plan.
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At what age can a dentist actually retire?
The age a dentist can retire depends on their number, not the calendar. How to estimate your target and why many dentists could retire earlier than they think.
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How much money does a dentist need to retire?
Your retirement number depends on spending, not income. Here’s the 25× rule, a simple table, and why dentists tend to retire later.
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Retirement plans for dental practices, compared
A comparison of 401(k), safe harbor, profit sharing, SEP-IRA, and cash balance plans for dental practice owners — and how to choose.
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Cash balance plans for dentists, explained
How high-income dental practice owners can use a cash balance plan to shelter more than a 401(k) allows — and how to tell whether it fits.
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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.