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Want to avoid leaving year-end tax opportunities on the table? Start with this Q4 checklist.First, get your books curren...
10/28/2026

Want to avoid leaving year-end tax opportunities on the table? Start with this Q4 checklist.

First, get your books current. You need an accurate year-to-date picture before you can project anything.

Then:
1. Project practice income through December
2. Estimate the practice and personal tax liability
3. Review retirement options
4. Build your equipment wish list
5. Evaluate income and expense timing
6. Review S-Corp compensation and distributions
7. Review applicable state tax opportunities
8. Stress-test every strategy against cash flow

Then prioritize. You do not need every strategy in the tax code. You need the three or four strategies that make the most sense for your practice and can still be implemented on time.

Proactive planning is about preserving options and making deliberate decisions before the year closes.

If you are unsure where your practice stands, a consultation can help.

Your dental practice is only one part of your tax picture.Year-end planning should also consider what is happening outsi...
10/24/2026

Your dental practice is only one part of your tax picture.

Year-end planning should also consider what is happening outside the business.

Depending on the dentist's situation, that may include:
1. Practice real estate
2. Charitable giving
3. Roth conversion opportunities
4. Personal investments
5. Capital gains and losses
6. Passive income and losses
7. Family members legitimately working in the practice

A strategy that looks good on the business return may look very different once the owner's full financial picture is considered.

That is why generic tax advice can be dangerous.

The right strategy depends on your income, cash flow, investments, goals, and expected future tax situation.

Your business and personal planning should work together.

Avoid these year-end tax planning mistakes.1. Spending money only for a deduction. A tax benefit does not justify an unn...
10/21/2026

Avoid these year-end tax planning mistakes.

1. Spending money only for a deduction. A tax benefit does not justify an unnecessary expense.
2. Waiting until the final days of December. Some strategies require financing, paperwork, elections, delivery, or implementation.
3. Automatically maximizing every deduction this year. A deduction may be more valuable in a future year if your tax rate is higher.
4. Looking only at the dental practice. Your personal investments, real estate, capital gains, charitable giving, and other financial activity may affect the strategy.

Strong tax planning is not about finding the biggest deduction.

It is about coordinating the right decisions across your entire financial picture.

Strategic moves now can prevent expensive surprises later.

Here is a simple way to tell the difference between tax preparation and proactive tax planning.Ask yourself:Did my CPA m...
10/19/2026

Here is a simple way to tell the difference between tax preparation and proactive tax planning.

Ask yourself:

Did my CPA meet with me before year-end? Did we project my income and expected tax liability? Did we discuss what I could still change before December 31? Did we review the cash-flow impact of those decisions? Did I leave with specific action items?

If the first time you hear what you owe is when the tax return is being prepared, that is usually tax preparation.

That does not necessarily mean the CPA did anything wrong. Tax preparation and proactive tax planning are simply different services.

One useful question to ask is: "Based on where I am projected to end the year, what should I be evaluating before year-end?"

The answer should be specific to your situation, not a generic list of deductions.

The goal of tax planning is not to minimize taxes at any cost.The goal is to improve what you ultimately keep.Before usi...
10/17/2026

The goal of tax planning is not to minimize taxes at any cost.

The goal is to improve what you ultimately keep.

Before using a tax strategy, evaluate three things:
1. Tax savings. How much could the strategy actually reduce your tax liability?
2. Economic benefit. Does the decision improve the practice or your long-term financial position?
3. Cash-flow impact. What happens to the cash available for payroll, operations, debt payments, and reserves?

All three matter.

A large deduction can still be a poor decision if it creates a cash shortage.

This applies to equipment purchases, retirement contributions, and many other year-end strategies.

Do not optimize the deduction while ignoring the business.

If you want help stress-testing a year-end strategy, let's run the numbers.

S-Corp tax planning is not one decision. It is a group of connected decisions.For a dental practice owner, the conversat...
10/15/2026

S-Corp tax planning is not one decision. It is a group of connected decisions.

For a dental practice owner, the conversation may include:
1. Reasonable compensation
2. Practice profit
3. Owner distributions
4. Retirement contributions
5. Shareholder basis
6. Payroll taxes
7. Estimated taxes
8. Pass-through entity tax where applicable

Changing one number can affect several others.

That is why proactive planning should involve projections and different scenarios.

Instead of asking: "How low can we make my salary?"

Ask: "What combination creates the strongest overall result?"

Good tax planning looks at the complete picture rather than optimizing one number in isolation.

If you own your practice through an S-Corp, year-end is a good time to review how these pieces interact.

Retirement planning can be one of the most valuable year-end conversations for a profitable dental practice.Why? Because...
10/13/2026

Retirement planning can be one of the most valuable year-end conversations for a profitable dental practice.

Why? Because an appropriate retirement strategy may accomplish two goals at once:
1. Reduce current taxable income
2. Move money toward your own long-term retirement savings

But the right plan depends on the practice.

Before increasing contributions or changing plan design, review:
1. Practice cash flow
2. Owner income
3. Employee demographics
4. Existing 401(k) or profit-sharing structure
5. Cost of employee contributions
6. The owner's long-term savings goals

A large deduction is not automatically the best plan.

The contribution has to make sense for the practice, the employees, and the owner's cash flow.

If your practice is having a strong year, retirement planning deserves a year-end review.

Paying for dental equipment before December 31 may not be enough.In order for depreciation to be deductible, the equipme...
10/11/2026

Paying for dental equipment before December 31 may not be enough.

In order for depreciation to be deductible, the equipment generally needs to be installed and placed in service before the end of the year.

That creates a timing problem many practice owners overlook.

A major purchase may require:
1. Comparing vendors
2. Securing financing
3. Waiting for delivery
4. Scheduling installation
5. Training the team
6. Actually placing the equipment in service

Trying to handle all of that during the last week of December can leave you with fewer options.

If equipment is already on your practice wish list, review the decision early.

Proactive planning prevents year-end surprises.

Do Not Buy Equipment Just for the Deduction!A tax deduction does not automatically make an equipment purchase a good dec...
10/09/2026

Do Not Buy Equipment Just for the Deduction!
A tax deduction does not automatically make an equipment purchase a good decision.

If you spend $100,000 simply to create a deduction, you are still spending $100,000.

The better framework is:
1. Does the practice actually need the equipment?
2. Can it improve production, efficiency, or patient care?
3. Can the practice comfortably afford it?
4. Should the deduction be taken now or potentially spread over future years?

The question is not only: "Can I write this off?"

The better question is: "Does this purchase make economic sense for the practice?"

Tax savings should support a good business decision, not create a bad one.

If you are planning a major equipment purchase, run the numbers before signing the order.

You cannot build a useful tax strategy from outdated books.Before making year-end tax decisions, you first need to know ...
10/07/2026

You cannot build a useful tax strategy from outdated books.

Before making year-end tax decisions, you first need to know where your dental practice actually stands.

A practical sequence looks like this:
1. Get your books up to date
2. Review year-to-date results
3. Project income through December
4. Estimate the practice and personal tax liability
5. Evaluate which strategies still make economic sense

Without accurate numbers, tax planning becomes guesswork.

And guesswork can lead to buying equipment you did not need, making unnecessary payments, or using deductions at the wrong time.

Know where you stand first. Then run the numbers. Then make the decision.

If your books are behind, getting them current should be one of your first year-end priorities.

Address

155 E Shaw Avenue, Ste 317
Fresno, CA
93710

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Wednesday 9am - 5pm
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