Inside a dental practice
Financial Planning for Practice Owners

Now what do you do with what the practice is creating?

When you own the practice, business and personal decisions stop staying in separate lanes. We help you weigh them together.

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The worry

Too many good places for the next dollar.

Reinvest. Upgrade. Hire. Add a location. Raise contributions. Pay down debt. Build wealth outside the business. Keep liquidity. The problem usually isn't a lack of options. It's too many reasonable ones, each affecting taxes, cash flow, and flexibility.

How Curato helps

Treat the practice and personal plan as one system.

We look at what the business needs, what the household needs, and the tax picture, before deciding where capital should go.

  • Practice cash-flow & surplus-income decisions
  • Retirement-plan & profit-sharing
  • Personal investing outside the practice
  • Tax-aware coordination
  • Debt & liquidity planning
  • Insurance & risk-management review
  • Business & personal balance-sheet coordination
  • Practice transition, succession, or sale
  • Estate & legacy coordination
  • Asset-backed lending
  • Trust services
  • Charitable giving
Todd Doobrow working at his desk
Our point of view

The best work isn't always an investment return.

Sometimes helping a practice owner make a better business decision beats finding another investment idea: how much cash the practice really needs, whether an expense supports the business you want, or whether your wealth has become too dependent on the practice.

Questions

The questions we hear most.

Reinvest in the practice or invest personally?

No universal answer. It depends on the practice's needs, your liquidity, debt, taxes, time horizon, and what you're building. We put those variables side by side so the decision is made in context.

Can you help evaluate retirement-plan options for my practice?

Yes. Plan design affects owner, employees, cash flow, and taxes. We help evaluate the planning implications and coordinate with plan and tax specialists when design or administration is needed.

Most of my net worth is in the practice. A problem?

Common for successful owners. Planning can build liquidity and investments outside the business, evaluate concentration risk, and prepare for an eventual sale or transition.

Can you help before I sell?

Yes, and earlier is better. A sale affects taxes, investments, cash flow, and estate planning. We frame the financial questions and coordinate with your legal, tax, and transaction professionals.

Do you offer private-market or alternative access?

Through RFG's platform, Curato may have access to alternatives and structured investments via iCapital. These aren't appropriate for every investor and depend on eligibility, suitability, availability, and disclosures.

Can you help with liquidity without selling long-term investments?

Often, yes. Depending on the facts, there may be several ways to create liquidity. We evaluate the options and tradeoffs before a decision is made.

If the practice created a new question, bring it.

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A family enjoying a walk in the park
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Let's talk about what's next

This starts as a conversation, not a pitch. Tell us a little about your situation and Todd will follow up personally.