You Are Not Just a High Earner.
You Are a Business Owner.
Most financial advisors treat dentists like any other high income professional. They set up a portfolio, automate some contributions, and check in once a year. That approach ignores where your real wealth is actually created: your practice.
Your income, your tax exposure, your retirement plan options, your biggest future liquidity event, and your largest risks all run through the practice. A financial plan that does not start there is incomplete. Emory Wealth builds plans that treat the practice and the personal balance sheet as one system, because for a dentist, they are.
How We Serve Dental Professionals
Cash
Flow Management
Production is not profit, and profit is not take home. We help you understand what the practice actually generates after overhead, debt service, and taxes, then build a system that funds your lifestyle, your savings rate, and your practice reinvestment without guesswork. For associates and new owners still carrying dental school debt, we build repayment into the plan rather than treating it as an afterthought.
Wealth
Protection Blueprint
Dentistry carries risk that most professions do not: malpractice exposure, disability risk tied directly to your hands and your eyes, and personal guarantees on practice and equipment loans. We coordinate entity structure, titling, umbrella coverage, and true own occupation disability protection so one bad event cannot undo twenty years of work.
Strategic Portfolio
Construction
Your practice is already a concentrated, illiquid, leveraged asset. Your investment portfolio should account for that instead of ignoring it. We build portfolios that diversify away from the practice, manage taxable account efficiency, and position you for the day the practice is no longer your primary income source.
Optimized Tax
Strategies
This is where dentists leave the most money on the table. Entity election, reasonable compensation, retirement plan design including 401(k) profit sharing and cash balance plans that can shelter well into six figures annually, equipment timing, hiring family members, and ownership of your building all have tax consequences. We plan proactively during the year, not reactively in April.
Estate & Legal
Planning
If something happens to you, what happens to the practice, the building, and your family? We coordinate buy sell agreements, practice continuity planning, and estate structures so the value you built transfers efficiently instead of being lost to probate, taxes, or a forced fire sale.
Fractional Family
Office
DSO offers are landing in every dentist’s inbox. Some are worth taking. Most deserve harder scrutiny than they get. Whether you are weighing a DSO sale, an associate buy in, a partner transition, or a second location, we act as your personal CFO: modeling the deal, coordinating your CPA and attorney, and planning the tax outcome before you sign, not after.
YOUR TRUSTED
FINANCIAL PARTNER
OUR FOUNDER
Michael Harris
Guidance from the Family Office World, Applied to Your Practice
Michael Harris spent his career in the multi family office space implementing advanced tax and wealth strategies for ultra high net worth families. He founded Emory Wealth because business owners of all sizes deserve that same level of strategic, tax efficient guidance. For dentists, that means planning that connects the operatory to the balance sheet.