4 Keys for Dentists. Before we start, please answer our live poll question here:
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1 4 Keys for Dentists TO ACHIEVE FINANCIAL INDEPENDENCE & MAKE WORK OPTIONAL Before we start, please answer our live poll question here: (raise your hand if you need help) DENTIST ADVISORS.COM
2 Average U.S. Retirement Age 62
3 Average Dentist Retirement Age 67
4 1 Physicians Highest Paying Jobs 2 Dentists 3 Marketing Manager 4 IT Manager 5 Lawyer
5 Why?
6 1 Target for sales-focused advisors 2 Pent up demand for lifestyle purchases Reasons Dentists Retire Late 3 Need more money to retire comfortably 4 Higher degree of financial complexity 5 Entrepreneur AND a professional 6 More income creates less urgency
7 Poll Question Responses
8 Elements 12 Key Indicators of Financial Health
9 DENTIST ADVISORS.COM
10 4 Main Questions Answered by the Elements Table 1 How much wealth do I need to make work optional? 2 Do I have the right mix of assets? 3 Am I using my income wisely? 4 Am I taking the right amount of risk?
11 1 How much wealth do I need to make work optional? DENTIST ADVISORS.COM
12 Element 1: Tt (Total Term)
13 Your Rate Average NET WORTH ANNUAL PERSONAL SPENDING Tt (Total Term) Estimates the number of years a person could live on his or her current assets if they did not grow. This includes cash, investments, practice value, and real estate equity.
14 1 Cash 2 Investments Assets 3 Retirement 4 Real Estate 5 Practive Value Total
15 1 Practice 2 Real Estate Debts 3 Student 4 Other Total
16 Calculate Your Net Worth Assets - Debts = Net Worth
17 Calculate Your Tt (Total Term) Annual Personal Net Worth Spending = Tt
18 Poll Question Responses Placeholder for PollEv Responses (TT POLL)
19 Is Your Total Term Enough for You to Retire? Annual rate of return needed to support lifestyle without having to work: 10% 5% 3.3% 2.5%
20 For a free guidebook: text Tt to or visit DentistAdvisors.com/tt
21 Good Calculations Start with Good Data
22 Calculate Your Net Worth Quarterly
23 4 Main Questions Answered by the Elements Table 1 How much wealth do I need to make work optional? 2 Do I have the right mix of assets? 3 Am I using my income wisely? 4 Am I taking the right amount of risk?
24 2 Do I have the right mix of assets? DENTIST ADVISORS.COM
25 Element 2: Rt (Real Estate Term)
26 Your Rate Average TOTAL REAL ESTATE EQUITY ANNUAL PERSONAL SPENDING Rt (Real Estate Term) Estimates the number of years a person could life on his/her current real estate equity. It also indicates how much of a person s wealth is concentrated in real estate.
27 Listen to: DENTIST MONEY SHOW #60: The Truth About Real Estate Ownership Get it on itunes or visit DentistAdvisors.com/listen
28 Element 3: Pt (Practice Term)
29 Your Rate Average TOTAL PRACTICE EQUITY ANNUAL PERSONAL SPENDING Pt (Practice Term) Estimates the number of years a person could life on his/her current practice equity. It also indicates how much of a person s wealth is concentrated in the practice.
30 Element 4: Qt (Qualified Term)
31 Your Rate Average RETIREMENT ACCOUNTS ANNUAL PERSONAL SPENDING Qt (Qualified Term) Estimates the number of years a dentist could live on the assets he/she has within qualified retirement plans (401k, IRA, etc.).
32 Listen to: DENTIST MONEY SHOW #53: Everything You Need to Know About Retirement Plans Get it on itunes or visit DentistAdvisors.com/listen
33 Element 5: Lt (Liquid Term)
34 Your Rate Average TOTAL LIQUID ASSETS ANNUAL PERSONAL SPENDING Lt (Liquid Term) Estimates the number of years a person could live on his/her cash or cash-like assets outside of a retirement plan. Lt also indicates the amount of after-tax money an individual can access if needed.
35 $ = Liquid Assets (Personal and practice cash, after-tax investments) Annual Personal Spending $ = Retirement Accounts (401(k), IRA, etc.) Annual Personal Spending Am I building the right mix of assets? $ Practice Equity (Practice value - Practice debt) Annual Personal Spending = $ Real Estate Equity (Real estate assets - Real estate debts) Annual Personal Spending =
36 3 Am I using my income wisely? DENTIST ADVISORS.COM
37 Element 6: Tr (Tax Rate)
38 Your Rate Average ANNUAL TOTAL TAXES TOTAL PERSONAL INCOME Tr (Tax Rate) Indicates whether tax liability could be reduced with better tax planning.
39 Listen to: DENTIST MONEY SHOW #10: Do You Have a Tax Strategy? Get it on itunes or visit DentistAdvisors.com/listen
40 Element 7: Dr (Debt Rate)
41 Your Rate Average ANNUAL DEBT PAYMENTS TOTAL PERSONAL INCOME Dr (Debt Rate) Indicates whether a person is servicing too much or too little debt for their individual circumstances.
42 Listen to: DENTIST MONEY SHOW #7: Why Debt Isn t Always a Bad 4-Letter Word Get it on itunes or visit DentistAdvisors.com/listen
43 Element 8: Br (Burn Rate)
44 Your Rate Average ANNUAL PERSONAL SPENDING TOTAL PERSONAL INCOME Br (Burn Rate) Helps us understand a client s spending patterns and retirement preparedness.
45 Element 9: Sr (Savings Rate)
46 Your Rate Average ANNUAL SAVINGS TOTAL PERSONAL INCOME Sr (Savings Rate) Indicates how much of a person s income is being put away for future expenses, emergencies, and retirement.
47 $ = Annual Savings (retirement, brokerage accounts, emergency, extra debt payments) Total Personal Income $ = Annual Personal Spending Total Personal Income Am I using my income wisely? $ Annual Debt Payments Total Personal Income = (Required only) $ = Annual Total Taxes (State, Federal, etc.) Total Personal Income
48 4 Am I taking the right amount of risk? DENTIST ADVISORS.COM
49 Element 10: Ir (Insurance Rate)
50 Your Rate Average INSURANCE COVERAGE HELD INSURANCE COVERAGE REQUIRED Ir (Insurance Rate) Measures how much insurance a person has compared to how much they need based on annual spending and net worth. Coverage is evaluated for the following types of insurance: life, general disability, business overhead disability, buy-sell, key person, personal liability, and business liability.
51 Element 11: Pr (Profitiability Rate)
52 Your Rate Average TOTAL PRACTICE- RELATED INCOME TOTAL COLLECTIONS Pr (Profitability Rate) Measures how much money the practice owner keeps as a percentage of collections. This serves as an important indicator of business efficiency.
53 Listen to: DENTIST MONEY SHOW #8: The Profitability Killer Get it on itunes or visit DentistAdvisors.com/listen
54 Element 12: Er (Equity Rate)
55 Your Rate Average EQUITY INVESTMENTS TOTAL INVESTMENTS Er (Equity Rate) Helps us determine whether the client will experience too much volatility risk for their personal level of spending and age.
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