Free Guide · 7 pages
Retirement Plans for Dental & Medical Practices
How practice owners combine a 401(k), profit sharing and a cash balance plan, what it costs to cover the team, and what to settle before a practice sale.
About This Guide
A Plan Built Around How Practices Work
Dental and medical practices often have one or a few high-earning owners, a small team and a career that ends with a sale. A plain 401(k) can limit what owners save. This guide explains how practices layer a 401(k), safe harbor and profit sharing contributions and, when it fits, a cash balance plan, and what to settle before the practice changes hands.
What's Inside
What You'll Find
- Why practices need a different plan design
- The four building blocks and their 2026 limits
- How a cash balance plan works, what makes it attractive and what it requires
- How the plan should change from new owner to pre-sale
- What happens to retirement plans in a practice sale or DSO affiliation
- A checklist for practice owners
Who It's For
- Dentists, orthodontists, oral surgeons and physicians who own a practice
- Practice partners planning a buy-in, buy-out or sale
- Practice managers who handle the plan
Common Questions
About This Guide
No. It is general educational information about how 401(k) plans work. Every plan is different, so please discuss your plan with your ERISA counsel, third-party administrator and tax professional.
Yes. Enter your name, work email and a few details about your company, and you can download the PDF right away. We may follow up to see if it was helpful and to offer a complimentary plan review, and you can tell us if you would rather we did not.
Yes. Contribution limits change every year and SECURE 2.0 provisions are still phasing in. The guide notes the date its information was current and points you to the sources to confirm.
Yes. Many of the plans we review already have a provider. Often we can step in as the plan's investment adviser alongside an independent third-party administrator without changing recordkeepers, so no assets move. A review comes with no cost and no obligation.
Prefer to Talk It Through?
Request a Complimentary Plan Review
Send us your plan's most recent fee disclosure and we will review its costs, investments and structure, then explain what we find in plain terms. No cost and no obligation.
This guide is general educational information, not individualized investment, tax or legal advice and not a substitute for advice from your ERISA counsel or third-party administrator, and is not an offer to buy or sell any security. Investing involves risk, including possible loss of principal. Radius Wealth Management LLC is a Registered Investment Adviser. Registration does not imply a certain level of skill or training. 1 Marina Park Drive #1410, Boston, MA 02210.