Professionals
Planning for dentists who also run a business
A dental practice is both a career and an operating company with staff, equipment debt and a sale value. Planning has to hold both at once.
Where we help
The practice and the household
Practice acquisition and debt
Structuring the purchase, the lending requirements and the coverage lenders ask for.
- Acquisition financing
- Lender-required coverage
- Equipment debt
Corporate strategy
Compensation, retained earnings and investing inside the professional corporation.
- Salary vs dividends
- Corporate investing
- Health spending accounts
Exit and succession
Associate buy-ins, partner agreements and eventually selling the practice on your timeline.
- Buy-sell funding
- Valuation planning
- Transition timeline
How we work
A practical sequence
- Step 1
Protect the earnings
Own-occupation disability and overhead expense coverage first — the practice depends on your hands.
- Step 2
Organize the corporation
Compensation and investment structure that fits the tax picture, not a template.
- Step 3
Build the personal plan
Registered accounts, family goals and a retirement date supported by numbers.
- Step 4
Plan the exit early
The best practice sales are structured years before they happen.
Review your practice and personal plan together
Most dentists have one advisor for each. We look at them as one picture.
Investco Financial is licensed in British Columbia and Alberta for insurance and related financial services. Information on this page is general in nature and is not individual advice. Coverage, eligibility and tax outcomes depend on your own circumstances and the terms of the contracts issued.