Personalized Investment Advice & Comprehensive Financial Planning
We see your entire financial picture using our proprietary system and leading edge technology.
We are never paid commission for selling you financial products.
DentistAdvisors.com is held to a fiduciary standard which ensures your best interest is always served.
We’ve been working with dentists for over a decade.
Vanguard research shows an advisor can add:
Receive a carefully-designed investment plan based on your income, tax rate, risk tolerance, behavioral profile, and individual goals.
Capture the value created in the global economy by investing in a broad selection of companies, countries, and currencies.
Follow our disciplined, behavior-first investment philosophy influenced by respected academics, world-renowned economists, and Nobel laureates.
Use our proprietary system to monitor the most important indicators of your financial health. Learn more about the Elements®
Compare your financial performance to a large sample of other dentists.
Quarterly Progress Reports
See how fast and how much your net worth is changing over time.
Our dashboard lets you’ll see all your bank accounts, credit cards, assets, and loans in one place.
Live connections between your dashboard and your financial accounts provide current balances on demand.
Your important financial decisions will be based on real numbers instead of assumptions.
|Financial Planning Services|
|Personal investment portfolio|
|Daily account rebalancing & trading|
|Quarterly investment performance summary|
|Tax management & portfolio optimization|
|Associate advisor to monitor performance|
|Elements® analysis and benchmarking|
|Dashboard to track all personal and practice finances in one place|
|Continuously updated net worth statement & progress report|
|Limited power of attorney to communicate with other service professionals|
|Personal fiduciary advisor||2 hours /year||12 hours /year||Unlimited|
|One-time consultation, diagnosis & planning||N/A||$2,500||$5,000|
|Annual investment fee||0.4 - 1.4%||0.4 - 1.4%||0.4 - 1.4%|
|Ongoing analysis, advice & reporting||N/A||$495 /Month*||$995 /Month**|
Whether you need cost-effective investments, a place to grow your kid’s college fund, or an account to prepare for retirement, we can build a personalized investment portfolio to help you reach your goals. Each portfolio is carefully designed using the best academic and professional research available. Your tax rate, income level, cash flow, personality profile, and risk tolerance will be used to guide your advisor’s recommendations.
Vanguard research and other academic studies have concluded that behavioral coaching can add 1% to 2% in net return.
We will review your account each day for rebalancing opportunities. As you receive income from stocks and bonds, or make deposits into your account, your advisor will make calculated decisions about where to invest each new dollar. Instead of automatically putting new cash flow into the same investments each month, we will look for opportunities to purchase investments that are underweight, potentially creating valuable long term returns. A good portfolio should always take into account the evolution of the global stock market.
Vanguard estimates that rebalancing with new cash flow may add as much as .35% to your overall portfolio return.
We take a long term approach to investing and will always keep you informed about market conditions and personal performance. On a quarterly basis you’ll receive an investment summary with a breakdown of your portfolio, account balances, deposits, growth, and fees.
Your investments will be placed in accounts that offer the greatest tax benefit based on your individual circumstances. We also perform tax loss harvesting to take advantage of years when your investments may have declined due to economic downturn. To minimize capital gains taxes we can help you donate portions of your securities to charity instead of using ordinary income to make contributions. By putting your assets in the right locations, harvesting losses properly, and donating capital gains when appropriate, we can effectively increase the overall rate of return on your investments.
Vanguard estimates that placing investments in the right account types may add as much as .75% in annual return.
Our Elements® planning methodology turns complex questions into simple calculations and gives your advisor a 360° view of your financial picture. The 12 key indicators of your financial health will be continually measured and benchmarked against a large sample of other dentists.
With access to a personal dashboard, you’ll be able to view all your account activity, assets, and debts in one place. The dashboard gathers data from your various financial institutions in real time, which means you can see your net worth on demand. Instead of relying on hunches and assumptions, your advisor will use real data to provide recommendations with greater precision.
Each quarter we serve up a progress report which shows how your net worth is changing over time. The report includes a detailed breakdown of your assets and debts so it’s clear which factors are contributing to growth or decline.
From 2016 – 2017 our average Elements® client increased net worth by 20.5%.
Using a limited power of attorney, we will establish lines of communication with each of your professional contacts to request data and documents on a regular basis. In essence, we’ll be the quarterback of your service provider team and make sure your financial playbook includes the most up-to-date information from all the right sources. This allows us to complete much of our analysis behind the scenes without disrupting your busy schedule.
An associate advisor from a top ranked financial planning program will use our industry-leading technology to prepare ongoing evaluations which give your advisor a clear view into the details of your asset distribution, loans, taxes, personal spending, insurance, practice profitability, investments, and other financial vitals.
Before we put your financial plan in motion, we will diagnose your situation and learn about your goals through a series of discovery meetings. Once your wealth management agreement is signed, we will get to work on your new client steps which include building your dashboard, establishing communication with your professional contacts, completing your personal net worth statement, designing your investment plan, and setting up your investment accounts.
Investment fees are solely based on your total assets under our management. We don’t receive commissions or bonuses for selling any investment products. As a fee-only registered investment advisor, we’ve structured our company to grow when you grow. This chart shows how our investment fees are calculated on a quarterly and annual basis.
We charge a flat monthly rate for comprehensive financial planning. You’ll have guidance from an advisor, ongoing Elements® analysis and benchmarking, a personal dashboard, quarterly net worth progress reports, an associate advisor to monitor performance, and coordinated planning with your other service providers. The monthly fee is waived when you reach $3M in assets under management ($5M for Elements®+ clients).