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Every dentist we work with is chasing the same thing in their own words: the day working becomes a choice. That day is not won in April. It is won in the decisions you make about cash flow, debt, entities, retirement plans and reinvestment while the year is still changeable — and then repeated, deliberately, for twenty years. That is what this page is about.
Tax returns, bookkeeping, KPI reports, projections — every one of them is a means. The end is a net worth curve that eventually outruns your production.
Most dentists are told to work hard, save something, and hope it adds up. We work the other direction. We define what independence means to you — the number, the age, the life, the people in it — and then reverse-engineer the practice and the personal plan to hit it. Your practice becomes the machine that funds the plan; the plan tells the practice what it needs to do.
That is the difference between an accountant and an advisor. One tells you what happened. The other tells you what to do next, in dollars, while you can still do it.
To empower dental practice owners to practice the way they love — by giving them the most concise, relevant financial advice they need to make the decisions that lead to financial independence.
To maximize the financial opportunities available to our clients by using the power of time to create financial independence, aligned with their current needs and goals.
This is the single most expensive thing dentists learn too late. Wealth accumulation looks flat, disappointing and slow for a decade. Then the growth on your growth starts outrunning your contributions, and the line bends. Everything we do on the planning side exists to get you onto that curve earlier and keep you on it.
Divide 72 by your rate of return and you get the years it takes money to double. At 7.2%, that's ten years. Which means the last double is worth more than every dollar you ever contributed.
| Your age | Invested wealth | Doubles remaining |
|---|---|---|
| 35 | $250,000 | 3 |
| 45 | $500,000 | 2 |
| 55 | $1,000,000 | 1 |
| 65 | $2,000,000 | — |
This is why we plan in decades and act in quarters.
Associate versus owner is not a lifestyle preference. It is a compounding decision — and the invisible risk is the one nobody prices.
| Gross income | $300,000 |
| Retirement deferral | ($23,500) |
| Federal & state tax | ($67,000) |
| Student loans | ($36,000) |
| Housing | ($60,000) |
| Total annual savings | $23,500 |
| Practice profit at 60% overhead | $520,000 |
| Practice loan payments | ($128,750) |
| Federal & state tax | ($75,000) |
| Retirement deferrals (doctor + spouse) | ($47,000) |
| Additional personal savings | $60,000 |
| Total annual savings | $107,000 |
Modeled on a practice collecting $1.3M with $910K doctor production and a $1M purchase price financed at 5.25% over ten years. Every practice is different — the point is the structure, not the numbers. We run yours.
Wages, pension funding, taxable income, distributions, tax buckets — dollars move between the practice and the household constantly, and every choice on one side moves the other. We are asked all the time, "do you prepare my personal return too?" Yes. Because the person and the practice are the same engagement, and you cannot optimize one while guessing at the other.
That is our space: the overlap. And it expands the longer we work together, as the plan reaches further into buckets, entities, insurance, real estate and eventually transition.
These are the sentences dentists actually say to us in the first meeting. Every one of them is treatable — the same way you treat a patient. Diagnose first, then plan.
| You're thinking… | We deliver… |
|---|---|
| "Am I going to be okay? I have no idea if I'm on track." | A defined independence number and a measured position against it — reviewed every year, not guessed at. |
| "Should I pay down debt or invest?" | A priority-based strategy driven by the actual math of your rates, brackets and horizon — not by emotion or by what the study club said. |
| "I make good money. Where does it go?" | A cash-flow architecture that funds the plan first and the lifestyle second, so saving stops depending on willpower. |
| "I pay too much tax." | Recurring, significant tax strategy planned all year long — retirement plan design, entity and wage structure, timing — not discovered in April. |
| "My practice and my personal finances feel like two different worlds." | Your practice run deliberately as the financial engine that drives your personal plan, with one team seeing both. |
| "Is my retirement plan the right one? Nobody has ever explained it." | An annual review of plan design against your profit, your team and your goals — with the tax savings quantified. |
| "What happens to my family if something happens to me?" | Insurance and estate planning sized to the real obligation — practice debt, household, buy-sell, and the people depending on you. |
| "I want to buy a building / add an associate / open a second location." | The break-even and the return modeled before you sign, and its effect on your independence date made explicit. |
| "I have no exit plan." | A transition timeline and value strategy that starts years before you're ready to sell, because that's when it's still changeable. |
| "I never learned the business side." | Education, every quarter, until you understand your own numbers — not so you can do our job, so you can make decisions faster. |
[Design note for web team: each right-hand answer can expand or link to a short subtitled video — same pattern approved on the What We Do page.]
Where you are, where you're going, and the sequence that gets you there. Written down, in your numbers.
Debt load, spouse, family, timing, detours. No two dentists start from the same place.
What the life you actually want costs — today and in retirement dollars. This is the number everything else answers to.
Student loans, mortgage, practice debt. Which to attack, which to leverage, in what order, and why.
Tracked annually as the scoreboard that matters. Income is a rate; net worth is the result.
Using the power of time — and your practice as the engine — to convert income into lasting, compounding wealth.
Plan design that doubles as your largest recurring tax strategy, sized to your profit and your team.
Disability, life, practice overhead, liability — sized to the obligation, not to a sales quota.
What you've built stays built, and goes where you intend, with the practice accounted for.
Seven steps, then around again, smarter. Most firms sell you step five and call it a plan. The value is in the loop.
The 360° view — practice and personal, both returns, all the entities, the whole balance sheet.
Yours, in your words, ranked. Independence is defined by you before we design anything.
Where the present path lands you, and what the credible alternatives look like in dollars.
The strategy — cash flow, debt, plan design, entity, insurance, investment posture, timing.
In plain language, with the cause and effect explained, until you can defend it yourself.
We do the work with you — payroll spreadsheets, plan paperwork, projections, the calls.
Quarterly. Measured against the goal. This is where the magic happens.
Ongoing check-ins throughout the year. Life changes, tax law changes, the practice changes — the plan keeps up.
A 30-year question every dentist asks. We don't answer it with a philosophy. We answer it with a model, using your rates and your bracket.
Path A puts 360 months on the clock. Path B puts 168. Dollars invested in year one compound for thirty years; dollars invested after a sixteen-year payoff only get fourteen.
After tax, the debt costs about 4.65%. The portfolio earns 7.5%. Every dollar you invest instead of prepay captures that ~2.85% — annually, on a growing base.
Your payment is fixed in nominal dollars. At 3% inflation it costs roughly half as much in real terms by year thirty. The bank gets repaid in cheaper money.
Our services aren't a menu. Every client is on one unified engagement — and each discipline feeds the others, because that is the only way the plan actually works.
Most dentists buy these four things from three or four vendors who never talk to each other: a CPA who files, a bookkeeper who codes, a consultant who benchmarks, and a planner who sells product. The gaps between them are where the money leaks — and no one in that arrangement is accountable for your independence date.
The same three people run the financial side of your practice and your personal plan. One flat monthly fee replaces the patchwork. No long-term commitment — we earn the relationship every month.
And just as you'd never quote treatment without an exam and X-rays, we don't quote a fee without understanding your practice. We price the way you diagnose. Your Practice Snapshot comes first; your proposal — built from your actual numbers, with your first ninety days mapped — follows within 48 hours of receiving your documents.
Your personal roadmap — lifestyle, debt, net worth, retirement, insurance, estate — on the 7-step process.
True dental CFO services: KPI analysis, custom reports and projections, strategic planning for the practice that funds it all.
The power of time, with your practice as the engine, converting income into compounding wealth.
Bookkeeping, financial statements, business and personal returns — done in the right order, as part of the plan.
Quarterly meetings with written summaries. A custom payroll spreadsheet at the start of every year with withholding and wage amounts, so tax and cash flow never ambush you. A global break-even that incorporates your lifestyle and retirement savings needs — not just the practice's. Overhead benchmarking, doctor and hygiene production analysis, per-day and per-hour economics, new-patient trends. In plain language, in your numbers, every year we work together.
[Design note: follow this module with 2–3 redacted screenshots from the KPI dashboard package and the annual net-worth tracker.]
A financial plan built by people you dread talking to does not get implemented. That's not a soft observation — it's the whole difference between a plan and a PDF.
We are a small, tight-knit firm on purpose. You get the same three people every quarter: Brandon, who does the diagnosis and builds the strategy; Katey, who runs the relationship and keeps the momentum; Stefani, who connects the dots and keeps everything moving. Nobody hands you off. Nobody reads your file for the first time on the call.
What that turns into, in practice: real conversations about the life you're building. Arguments about assumptions, in the good way. A Planning Day where you and your spouse leave genuinely excited instead of vaguely guilty. And the line we hear more than any other —
"My old accountant never did that." We love it every time.
We work with dentists because they're truth-seeking, coachable small-business owners — and because we're one too. As our own lives expand, we take what we learn and apply it for the people we serve. For us this isn't an engagement type. It's a way of life.
[Design note: "Our Story" video with the team here — coffee-shop-couch setting per BP's notes. Subtitles enabled (Vimeo). "Meet the Team" link to bios.]
Some paid for every hour of school; some had scholarships; some carried an unexpected detour to care for someone they love. Add a spouse — at home, on payroll, or out-earning the practice — and the permutations multiply. You could have every financial burden covered on day one, or nothing at all.
That's why boilerplate breaks. For all the ways your situation differs from the article your study club passed around, you deserve the peace of mind that your plan has a custom path — and that when you hit a crossroads, it's already been accounted for.
And when you build your executive team, think outward, not inward: alignment, not services slammed at you without strategy. Your advisors should be chosen deliberately, reviewed continually, and adapting to your practice with your best interests in front of theirs.
No pitch, no pressure, no quote before the exam. Five steps from where you are now to a plan you own.
Tell us about your practice and your one burning question. Send a P&L or a tax return and your current vendor list.
A get-to-know-us conversation on Zoom. Bring everything you've been wondering about.
Your Practice Financial Snapshot — three real findings from your own numbers, in plain language.
One page of findings, your path, one monthly number, one signature line.
Onboarding, your first Planning Day, and a partnership built for the long term.
Still have questions? Ask them before you commit to anything. That's what the first conversation is for.
Illustrations on this page are modeling exercises used in our continuing-education programs, built on stated assumptions and intended to show how compounding, leverage and timing behave. They are not projections, guarantees, or advice for any individual situation. Investment returns are not guaranteed, and your results will depend on facts specific to you. Parkhurst Consulting CPA PC · Cedar Park, Texas · parkhurstconsulting.com