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How We Serve

OUR VISION:  We empower dentists to live their Ideal Lives.

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OUR VALUE PROPOSITION: 

We provide holistic financial planning & evidence-based investment management

Financial Planning

HOLISTIC FINANCIAL PLANNING

Our comprehensive fee-only financial planning includes the following process:

1.  Identify & Prioritize Financial Goals

Every dentist and their spouse or partner has hopes and dreams for their future, but few actually realize those hopes and dreams.  We help dentists create a framework for how they will use their financial resources.  In addition, we help dentists and their spouse or partner set specific financial goals based on the things they both agree are most meaningful to them.  This empowers them to use their finances as a resource to help them obtain their most important goals.    

2.  Create Personal Financial Statements

Most dentists have detailed financial statements for their practice, but few have detailed personal financial statements.  We create a net worth statement for our clients which clearly shows their assets and liabilities.  In addition, many dentists feel like they make a good living on paper, but are frustrated by not knowing where their income goes.  We create a cash flow statement for a dentist so that they know where their income goes. 

3.  Develop Personalized Financial Plans

After we have a clear idea of our client’s financial goals and resources, we create a financial plan empowering them to reach their goals.  If their goals are not attainable, we recommend adjustments. In addition, we review alternative strategies which could be used to reach a client’s goals.  We advise clients in the following areas:

  • Debt Management

  • Cash Flow Analysis 

  • Children’s Education Funding

  • Major Purchase Funding

  • Tax Planning (related to investments)

  • Retirement Planning

  • Retirement Plan Design

  • Investment Planning

  • Risk Management

  • Estate Planning

4.  Monitor Financial Plans

A financial plan is only as good as the information used in creating that plan.  Just like a dentist regularly examines their patient’s mouth, we regularly meet with our clients to review their financial plans and make adjustments as needed.  

Investment Management

We provide clients with evidenced-based investment options with low and reasonable costs that fit client risk profiles. 

Among the variety of mutual funds offered clients is Dimensional Fund Advisors, a company that pioneered research and evidenced-based investment. 

Investing Dimensional

EVIDENCE-BASED INVESTMENT MANAGEMENT

Guiding Principles for Investing

Some of the investment management recommendations & strategies based on research by academics includes considering the following factors:  

  •  Risk Tolerance:

We help our client determine an appropriate level of risk as well as a recommended asset allocation to reach his/her goals, based on research by academics. 

  • Low Cost Mutual Funds & Exchange-Traded Funds (ETFs):

We recommend funds & ETFs which capture the returns of the recommended asset classes.  We recommend low-cost funds and ETFs in order to decrease the expense and increase the return potential of our client’s investments.   

  • Tax-Efficient Funds & ETFs in Taxable Accounts: 

If our client has a taxable account, we will recommend tax-efficient funds and ETFs.  

  • Portfolios Rebalanced:

We review our client's portfolios monthly to determine if they need to be rebalanced.  In addition, as contributions are made to our client's portfolios, they will be invested in the most underweighted asset classes and as distributions are made from the portfolio, they will be withdrawn from the most overweighted asset class.

  • Behavioral Coaching:

During times of stock market volatility, it may be tempting for a client to abandon their investment strategy.  With nearly 20 years of experience managing client investments through two major stock market downturns, we will help our clients remain committed to their long-term investment strategy even in periods of short-term volatility.   

  • Asset Location Strategy:

When applicable, we will recommend an asset location strategy designed to minimize the taxes our clients are required to pay.   

  • Tax-Loss Harvesting:

When our client has a taxable investment portfolio, we will periodically review his or her investment portfolios and if certain funds or ETFs have significant unrealized capital losses, we will recommend that the fund or ETF be sold and a similar fund or ETF in the same asset class be purchased in order to realize a capital loss for our client.  Our client may be able to use that capital loss to offset capital gains and/or some taxable income.

  • Withdrawal Orders:

We will recommend a withdrawal order for distributions in order to minimize the taxes our clients are required to pay as they take distributions.

 

 

© 2020 Financial Freedom for Dentists, LLC

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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Financial Freedom for Dentists LLC and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Advisory services are offered through Financial Freedom for Dentists LLC, a SEC Investment Advisor.  Financial Freedom for Dentists LLC is not affiliated with or endorsed by the Social Security Administration or any government agency, and are not engaged in the practice of law. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Washington or where otherwise legally permitted. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Images and photographs are included for the sole purpose of visually enhancing the website. They should not be construed as an endorsement or testimonial from any of the persons in the photograph. The inclusion of any link is not an endorsement of any products or services by Financial Freedom for Dentists LLC. All links have been provided only as a convenience. These include links to web sites operated by other government agencies, nonprofit organizations and private businesses. When you use one of these links, you are no longer on this site and this Privacy Notice will not apply. When you link to another web site, you are subject to the privacy policy of that new site.  When you follow a link to one of these sites neither Financial Freedom for Dentists LLC, nor any agency, officer, or employee of the Financial Freedom for Dentists LLC warrants the accuracy, reliability or timeliness of any information published by these external sites, nor endorses any content, viewpoints, products, or services linked from these systems, and cannot be held liable for any losses caused by reliance on the accuracy, reliability or timeliness of their information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from these systems does so at her or his own risk.

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Advisory services are offered through Financial Freedom for Dentists LLC, a SEC Investment Advisor.  The Adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.

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