A practice isn't a typical small business.
You're a high earner who likely started saving late, running lean with a handful of hygienists, assistants, and front-office staff — and no HR department to lean on. An off-the-shelf 401(k) rarely fits.
We design plans for owner-heavy practices: structured so you can maximize your own retirement savings, competitive enough to keep good people, compliant with the testing rules that trip up dental offices, and light enough on administration that it never lands back on your desk.
Four things a dental plan has to do.
Layer 401(k) deferrals, profit sharing, and — when it fits — a cash balance plan to shelter far more than a standard 401(k) allows.
A competitive match or safe harbor helps you attract and retain hygienists, associates, and staff in a tight labor market.
As your 3(38) fiduciary we take on investment liability, and we coordinate recordkeeping, testing, and filings — so it stays off your desk.
Safe harbor and cross-tested designs let owners save at the top while the plan clears nondiscrimination testing every year.
Stack the pieces, shelter more.
The right structure lets a practice owner move well beyond a basic 401(k). Here's how the layers build — illustrative for a 2025 plan year.
Your own contributions — plus a $7,500 catch-up if you're 50 or older.
Employer profit sharing lifts total 401(k) additions to the annual defined-contribution limit.
For older, higher-earning owners, a cash balance plan can shelter well into six figures on top of the 401(k).
Figures reflect 2025 IRS limits and are shown for general illustration. Actual amounts depend on your age, compensation, and staff census, and cash balance contributions are actuarially determined. Not tax or legal advice.
From first call to a plan that runs itself.
We review your current plan, fees, and census — or start fresh if you don't have one.
We model safe harbor, profit sharing, and cash balance options around your goals and staff.
We handle recordkeeper setup, documents, and payroll integration end to end.
On-site and virtual sessions get your team enrolled and confident in the plan.
We monitor fees, investments, and testing every year and adjust as your practice grows.
The plan comes with a guide for every employee.
Your staff get group education, one-on-one meetings, and monthly webinars — so participation stays high and the plan keeps passing testing.
See how we support participantsSee what your practice could save.
Send us a few details and we'll model a plan designed around you, your team, and your goals.