Tetrault Wealth Advisory Group Wealth Management for Dentists:
Associate Dentists & New Graduates
Practice-Owning Dentists
Dental Specialists & Multi-Location Owners
Dentists Approaching Practice Sale or Retirement
What We Do
Dentistry sits at an interesting crossroads between clinical practice and small business ownership, and that mix shapes everything about how a dentist should approach money. Wealth management for dentists at Tetrault Wealth accounts for the equipment loans, the practice mortgage, the staff payroll, and the professional corporation that most dentists eventually set up.
Our team gets to know how your practice actually runs and then builds a financial plan around the real numbers behind it. This approach works for everyone from an associate a few years out of dental school to an owner running three locations across the city.
Discover the Tetrault Wealth Difference!
Rob Tetrault brings a background that sets our team apart from a typical advisory practice. A law degree from the University of Toronto, years spent as a litigation lawyer, and an MBA in Finance from the Asper School of Business come together in a PhD earned more recently. This background gives Rob a lens on corporate structures and contracts that most financial advisors never develop.
Our back office runs through CG Wealth Management, putting institutional-level research and technology behind every recommendation our team makes. Dentists who work with us get a group that understands the tax and lending realities behind running a dental practice.
Personal Wealth Planning for Dentists
“An associate dentist just starting out and a practice owner with a paid-off building need very different plans.”
Financial planning work adjusts to wherever you stand. Working with our team, dentists can expect:
- A full review of your current financial position, including dental school debt and practice loans
- Retirement income projections built around income that often grows once you own a practice
- Estate and legacy planning, with a review of wills, powers of attorney, and beneficiary designations
- Tax planning strategies suited to incorporated dental income and high marginal rates
- Cash flow analysis that separates practice overhead from personal spending
- Insurance needs analysis, including disability coverage tied to your ability to perform procedures
- Investment portfolio audits, with a look at any overlap between practice equity and personal holdings
- Charitable giving strategies for dentists who want their community involvement to carry tax benefits
- Family wealth planning that covers income splitting and education savings
Our process opens with a discovery meeting, moves through a plan presentation, includes one update within the year. It allows up to four additional review meetings that can bring your accountant or lawyer to the table.
Wealth Planning for Incorporated Dentists & Dental Practices
“Most practicing dentists run their business through a professional corporation, and that setup creates planning opportunities worth a closer look.”
Our estate and legacy planning services extend into the corporate structure behind a dental practice, covering:
- Corporate investment account reviews and portfolio audits inside your dental corporation
- Salary versus dividend planning to manage personal and corporate tax together
- Retained earnings strategies, including individual pension plans and corporate-owned insurance
- Buy-sell agreement reviews for dentists in partnership or group practice arrangements
- Succession planning for owners preparing to sell a practice or bring in a new partner
- Compensation structuring between spouses or family members involved in the business
Between patient appointments and running a staff, few dentists have time to dig into corporate tax rules on their own. Our team takes that task off your hands so the plan keeps progressing on schedule.
Why Dentists Choose Us
Dentists bring their finances to our team for reasons that go beyond a polished pitch. Rob Tetrault has landed on Wealth Professional’s Top 50 Advisors in Canada list on several occasions, and our group carries over a century of combined wealth management experience into every client relationship. A few reasons dentists across Canada choose to work with Tetrault Wealth:
- A fiduciary standard applied to every piece of advice we offer
- A legal and financial background rarely found together in a single advisory team
- Institutional-grade research and technology through our partnership with CG Wealth Management
- Full protection through the Canadian Investor Protection Fund (CIPF) and oversight from the Canadian Investment Regulatory Organization (CIRO)
- Years of direct experience working with dentists and the corporations behind their practices
Serving Dentists Across Canada
Dentists reach out to us from Winnipeg, Toronto, Vancouver, Calgary, Edmonton, and communities throughout the country. Distance never changes the level of planning our team provides. Run a solo practice or manage several locations with a team of associates? Our approach adjusts to the way your business actually operates.
Visit our retirement planning services page for a closer look at how these pieces connect over the years ahead.
Talk with an advisor who understands both the clinical and business sides of running a dental practice.
Book your consultation today.
Frequently Asked Questions
Do dental corporation rules differ across Canadian provinces?
Yes, incorporation requirements and professional corporation rules vary by province. Our team works with dentists in Manitoba, Ontario, British Columbia, and beyond to apply the right structure for each location.
Can you help dentists practicing in Winnipeg with local retirement planning?
Absolutely, Winnipeg is where Rob Tetrault’s practice is based, and our team knows the regional lending and real estate landscape well. That local insight factors into every practice-related recommendation.
Do you work with dentists in Toronto, Vancouver, and Calgary as well?
Our team serves dentists across Canada, including major markets like Toronto, Vancouver, and Calgary. Provincial differences in tax and corporate rules get built into each plan we create.
