For Dentists
Financial Planning Built for Dentists
Dentists earn well and borrow heavily, often for school, a practice, and equipment at the same time. We help you decide what to pay down, what to protect, and what to build.
What Attend Does for Dentists
Attend Wealth Inc. is an independent, fee-based registered investment adviser in Midtown Atlanta that works with dentists at every stage, from a new associate carrying dental school debt to an owner weighing a DSO offer. Advisory services are held to a fiduciary standard. There is no account minimum, and the first meeting is a complimentary 30-minute consult. We meet at 999 Peachtree St NE, Suite 418, or by video with dentists anywhere in the country. For each dentist we review six planning areas: cash flow, taxes, retirement, investments, insurance, and estate, and we coordinate with your CPA, your practice attorney, and your estate attorney so the plan and the paperwork agree.
What Dentists Usually Bring Us
The questions tend to arrive in clusters: a practice decision, a stack of loans, and a policy nobody has read closely.
A practice purchase or a DSO offer
Buying a practice means a large loan, a valuation to question, and a personal budget that has to survive the first slow year. Selling to a DSO brings the opposite question: what the cash, rollover equity, and employment terms are really worth to you.
Equipment and practice debt on top of student loans
Many dentists carry dental school loans, a practice note, and equipment financing at the same time. We lay the balances side by side, compare rates and terms, and decide which to pay down first and which to leave alone while you build reserves.
Disability coverage for an income that depends on your hands
A dentist who cannot hold a handpiece may still be able to work a desk job, and some policies would call that not disabled. We read the definition of disability in your current coverage and explain what own-occupation language does and does not do.
How we work
One Advisor, the Whole Practice and the Whole Household
Dentists sit somewhere between our physician clients and our business owners: high clinical income, heavy early debt, and often a practice to buy, grow, or sell. We start with the whole picture, then focus on the decisions that matter this year. That usually means tax planning for practice owners, insurance that matches how you earn, and investment management that does not assume the practice is your only asset. Our fees page shows what we charge before you sit down with us.
- Every loan you carry, with rate, term, and who signed for it
- Whether your disability policy would actually pay if you could not practice
- The practice question in front of you, whether buying, growing, or selling
- What our advisory fee would be for your situation
The Six Planning Areas, Seen Through a Dental Practice
The same six areas apply to everyone, but for dentists each one has a specific shape.
These examples are general descriptions of common situations, not advice for any specific dentist or practice.
Common Questions from Dentists
Do you work with dentists who own a practice?
Yes. Owners bring the most moving parts: practice debt, payroll, an entity structure, a retirement plan for staff, and a business that is also their largest asset. We plan around all of it and coordinate with your CPA and practice attorney. We also work with associates who are still deciding whether to buy.
Can you help me evaluate a DSO offer?
We can help you understand what the offer means for you personally: how much is cash, how much is rollover equity, what the tax picture looks like, and how the employment agreement changes your income. We do not value practices or negotiate the deal. Your practice attorney and CPA handle those parts, and we work alongside them.
Can you help with dental school loans?
Yes. We look at every loan you carry, federal and private, alongside any practice or equipment debt, and compare the rates, terms, and repayment options. For federal loans that can include income-driven repayment and whether PSLF could apply, which depends on a qualifying employer and qualifying payments. The goal is a payoff order that fits the rest of the plan.
Do I need a minimum to start?
No. There is no account minimum at Attend. A new associate with student loans and no investments yet is welcome, and so is an owner ten years from selling. What matters is whether the six planning areas need attention, not the balance on a statement.
How are you paid?
Attend is a fee-based registered investment adviser. Advisory fees are explained in writing before you sign anything. Advisors may earn commissions on insurance products, including disability and overhead coverage, and any such commission is disclosed before anything is placed. The fees page lays out the structure in detail.
Are you a fiduciary, and do I have to be in Atlanta?
Advisory services are held to a fiduciary standard, which means recommendations in an advisory relationship are made in your interest and documented so you can see why. You do not have to be in Atlanta. Our office is in Midtown at 999 Peachtree St NE, and we meet by video with dentists across the country.
Last updated September 22, 2026.
Bring the Loans and the Policy
Schedule a complimentary 30-minute conversation, in Midtown or by video, and we will start with whatever practice or debt question is in front of you.
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