Discretionary investment management and financial planning for dentists
Portfolio management
Built individually
Tax-aware, individualized portfolio construction and management for dentists requires an evolving plan that shifts with your stage in life. Whether you’re mid-career and looking at transitioning from a SEP IRA to 401(k)s, or late career and exploring the specifics on how your portfolio might deliver the income you need in retirement, there is plenty to be done to try to protect and grow the nest egg you’ve worked so hard to build.
Retirement planning
From practice income to retirement income
Getting your portfolio ready to replace your paycheck is a process, not an event. You have acquired many types of accounts, each with unique tax treatment. You have a practice sale to consider, with questions on how to maximize your after-tax proceeds, what role that money can play in retirement, and what the best path forward is for your situation and goals. Helping you manage this transition and building portfolios ready to assume responsibility for your monthly paycheck is the center of our work.
Retirement planning can be complicated. Which accounts fund which years in your retirement, how to minimize long-term tax bills, when to take Social Security, and even knowing if it’s too early or if you’re ready to hang up your white coat are all interconnected questions. Fauchard’s retirement planning process aims to take as much of the uncertainty out of this picture as possible.
If you would like a courtesy retirement readiness review to see how you are currently tracking, you may request one here: Request retirement readiness review
Integrated financial planning
Integrated personal and practice-level financial planning
Financial planning at Fauchard is an ongoing process, not a product or a project. That’s why Fauchard does not have separate financial planning fees or restrictions; it is deeply intertwined with investment management, and it never stops. For dentists, we believe financial planning can’t be separated from your practice planning, whether it is managing slowdowns or upticks in business, mapping out your transition strategy, determining if and how to bring on an associate, or identifying what type of retirement plan may help you save more, we are here to help.
Far from being a single topic, financial planning is a collection of inter-connected sub-plans, some only applicable at specific stages of life, and many requiring close coordination with other professionals like your attorney or your CPA. We’re here to help coordinate and initiate the right types of planning at the right phase in life, so that you can worry less about what you should be doing, and focus more on the things you want to be doing.
Practice-level guidance
Help making the decisions that shape the future of your practice
Running your own practice is difficult; in addition to being excellent at dentistry, it demands a certain amount of business acumen that didn’t get the same degree of emphasis in dental school. We can help run numbers, build forecasts and models, and align your savings schedule and retirement plan with the changing needs of your practice. Whether it’s preparing your practice for an eventual sale, tightening your belt now to scale up operations so you can save more later, or plotting to preserve revenue while working less to spend more time with family, these questions and plans can all benefit from a second set of eyes.
We can’t be a replacement for dental practice consultants or transition specialists, but we can help you better understand how practice-level decisions play a role in your long-term financial picture.
Aligned with you, by design
We believe recommendations should be made because they are right for you, not because there is something to sell. That’s why we are independent and fee-only. We aren’t affiliated with a broker-dealer, don’t sell insurance or annuities, and don’t accept commissions or referral fees. No one pays us to steer you toward a particular investment or professional.
Our fees are straightforward; we charge a percentage of the assets we manage, with investment management, financial planning, and practice planning all falling under that one banner. There are no hourly rates, hidden fees, separate planning bills, and there is never a cost for picking up the phone to talk with us or ask us a question, whether you’re a client or not.
The right team around you
The right professional team matters. We work closely with the accountants, attorneys, lenders, insurance professionals, and other specialists you already know and trust. We stay involved so you aren’t left to coordinate everything on your own.
A relationship for your entire career
We earn trust with straightforward advice, disciplined investment management, and planning built around your practice. Relationships last through a career on those terms.
Common questions
What services are included?
We include discretionary portfolio management, financial planning, and practice-level guidance. The scope is driven by your situation. There is no separate charge for planning or practice guidance; both are included in the advisory fee.
What does practice-level guidance include?
We analyze overhead, provide practice valuation estimates, plan transitions and exits, model buy-ins and buy-outs, and analyze associate compensation. When a DSO offer arrives, we give you an independent read on what it is worth to you, not to the acquirer. We do not perform formal business valuations or provide legal advice.
Do you provide business valuations?
No. We provide practice valuation estimates as part of transition guidance. These are advisory estimates, not formal appraisals. If you need a formal valuation, we refer you to qualified valuation professionals.
What custodian do you use?
Charles Schwab. Your assets are held at Schwab, not at Fauchard Investments. We trade under discretionary authority.
How do I get started?
Request a conversation. Introductory calls are 30 minutes.
See what working with us looks like
A 30-minute introductory call about your portfolio, your retirement timeline, and the practice decisions behind both.