MEDICAL, LEGAL & OTHER PROFESSIONALS

Doctors, dentists, lawyers and other professionals juggle practice ownership, buy‑ins, heavy student debt and compressed career timelines. Our planning supports practice finance, risk protection, retirement funding and orderly succession.

TYPICAL CHALLENGES 

• Practice buy‑in/out valuation and financing 
• High student loans + desire to retire early or fund children's education 
• Need for high-quality income protection and malpractice cover coordination 
• Complex taxation for practice income and drawings

SERVICES WE PROVIDE

• Practice valuation and buy‑in/buy‑out planning 
• Debt management and accelerated retirement funding strategies 
• Protection planning (income protection, malpractice gap cover coordination) 
• Succession planning and practice sale readiness

CASE STUDY

Dr. Carter, Dental Practice Owner

Situation: Dr. Carter planned to sell his practice in five years but needed to fund expansion now; he also wanted to retire at 60 with no mortgage.

Advice: We created a staged financing plan using a short-term working capital facility, restructured drawings, increased retirement contributions and implemented a buy‑sell agreement with a junior partner. We modelled sale valuations and tax impacts.

Outcome: Expansion funded without derailing retirement targets; practice sale-ready within projected timeframe with expected sale proceeds covering target retirement income.