Smiles & Cents | The Dental Wealth Partners Show

Dentistry is one of the best wealth-building professions in America—but only if you make the right financial decisions along the way. Smiles & Cents is built for dentists who want more than just production and collections. Each episode is designed to help you turn income into lasting wealth through smarter decisions, clearer strategy, and a more intentional approach to your financial life. Along the way, we bring in real dental entrepreneurs—practice owners, builders, and industry leaders—to share firsthand insights on what’s working, what’s not, and how they’ve built their success. This is how financial planning actually plays out in the real world. If you’re looking for clarity, control, and a plan that compounds over time, you’re in the right place.

Smiles & Cents | The Dental Wealth Partners Show is a business podcast hosted by Dental Wealth Partners, with 11 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Dental Wealth Partners hosts Smiles & Cents | The Dental Wealth Partners Show, a business show with 11 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #10

  Money Represents Your Time - Are You Spending It Right? | Dr. Richard Low | Smiles and Cents

  Aug 16, 202639 minS1

  Every dollar you spend is a piece of your life you traded for it. Most dentists never think about it that way. In this episode of Smiles and Cents, Ian McGinnis brings Dr. Richard Low back for one of the most honest and wide-ranging conversations the show has had - covering the real relationship between time and money, how to buy back your life without feeling guilty about it, why burnout is really about identity misalignment, and the question every successful dentist eventually has to answer: if you had $10 million tomorrow, would you still show up? This one goes deep. And it gets personal. What You'll Learn: → Why every dollar you spend is really a unit of time - not just money → How to calculate your true hourly post-tax earnings and what it changes → The buy-back-your-time framework: from lawn care to meal prep to private jet → Why Alex Hormozi's Chipotle budget was actually a genius financial decision → What Dan Martell's Buy Back Your Time principle looks like for dentists specifically → Why Dr. Richard Low is personally restructuring his budget around time-buying → The five daily habits that Next Level Fathers teaches - and why morning is everything → Why going to bed earlier is one of the most productive decisions a dentist can make → The Opal app: how to hard-lock your phone at 9:30pm and actually stick to it → The floor-and-ceiling approach to health habits when life gets chaotic → Why burnout is really a gap between who you are and who you thought you would be → The $10 million question - Dr. Richard Low's completely honest answer → How to know when it is time to redirect your career — before it is too late About Dr. Richard Low: Dr. Richard Low is a 2016 dental graduate, Army veteran, and founder of the Shared Practice podcast with over 3.25 million lifetime downloads. He is also the founder of Next Level Fathers, a transformation program helping dentists rebuild their health, marriages, and purpose. About Smiles and Cents: Smiles and Cents is a fee-only, non-commissioned financial planning podcast built specifically for dentists. Hosted by Ian McGinnis, the show explores what it means to build real financial freedom not just a bigger practice. If someone offered you $10 million tomorrow to never work another day in your life — would you take it? Be honest. Drop it below. Dr. Low's answer was not what Ian expected. Connect with Dr.Richard : Insta: @dr.richard.low FB Group: Next Level Dentist, Rising Beyond Burnout Connect with Smile and Cents: Host: Ian McGinnis, Website: Dental Wealth Partners Insta: @ianvmcginnis #dentist #timeandmoney #buybackyourtime #smilesandcents #drrichardlow #ianmcginnis #nextlevelfathers #dentistlife #morningroutine #dentistentrepreneur #financialfreedom #worklifebalance #podcastclip #dentistburnout #dentistproductivity Schedule a free consultation with a dentist-specific financial planner. Get an objective financial assessment and see how your current strategy stacks up when it comes to debt management, practice growth, investing, and tax planning.

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  Episode #9

  What Your Dental Practice Is Really Worth-From an Orthodontist Who's Been on Both Sides

  Aug 9, 202643 minS1

  Most dentists buy equipment because a rep told them it worked for somebody else. Most dentists sell their practice without understanding what it is actually worth. And most dentists leave hundreds of thousands of dollars on the table when they finally exit. Dr. Keith did things differently. In this episode of Smiles and Cents, Ian McGinnis sits down with Dr. Keith- an orthodontist who built and sold a four-location practice in Louisville, relocated his family across the country, earned an MBA, and now works as a practice broker, valuation expert, and consultant helping dentists grow and exit the right way. This is one of the most comprehensive practice business conversations the show has ever produced. What You'll Learn: → Why Dr. Keith left a thriving four-location practice-and what made that decision clear → Why he chose consulting and brokerage over starting a new practice from scratch → What a data-driven practice really looks like-and how to find your bottleneck → Why buying a CBCT without running the numbers first is a money pit waiting to happen → The KPI framework that turns clinical decisions into financial projections → How to use scanner technology to increase case acceptance before the doctor walks in → The three income approach valuation methods-and which one favours you as a seller → Doctor-to-doctor EBITDA multiples: what to expect and how to increase them → DSO vs doctor-to-doctor sale: the difference in multiples and what that means for you → How to add back expenses and normalise your P&L to maximise your valuation → Why overpaying loyal staff in your final years quietly destroys your sale price → The three levers to pull to increase your exit value in the last two to three years → What documents a buyer will ask for and exactly how to prepare them About Dental Wealth Partners: Dental Wealth Partners is a fee-only, non-commissioned financial planning firm built specifically for dentists. Founded by Ian McGinnis, the firm helps dentists at every stage of their career build real financial freedom-not just a bigger practice. Executive coach and business strategist Jeff Rutland brings a leadership and legacy lens to every conversation. What is the one thing you wish you had known about the business side of dentistry before you started? Drop it below — Dr. Keith says most docs leave school without any of this. Let's build the list. CONNECT WITH Dr.Keith Nicholson Website:keith.nicholson@pmagroup.net CONNECT WITH SMILES AND CENTS Host: Ian McGinnis, Website: https://dentistfinancialplanning.com/ Instagram:https://www.instagram.com/ianvmcginnis/ Facebook:https://www.facebook.com/DentalWealthPartners/ Linkedin:https://www.linkedin.com/checkpoint/challenge/AgHUSzW4H4zlT Youtube:https://www.youtube.com/channel/UCjMd5CUWkca7P_gmKlCBQ2Q #dentalpractice #practicevaluation #dentist #smilesandcents #drkeith #ianmcginnis #practicebroker #EBITDA #DSO #dentistentrepreneur #caseacceptance #dentaltechnology #practicesale #dentalconsulting #podcastclip Schedule a free consultation with a dentist-specific financial planner. Get an objective financial assessment and see how your current strategy stacks up when it comes to debt management, practice growth, investing, and tax planning.

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  Episode #8

  How to Sell Your Dental Practice for Maximum Value - Before It's Too Late | Dental Wealth Partners

  Aug 2, 202617 minS1

  Most dentists spend 30 years building their practice - and then sell it without ever knowing what it was actually worth. In this episode of Dental Wealth Partners, Ian McGinnis and executive coach Jeff Rutland break down exactly what dentists need to do before selling a practice - from cleaning up the books, to choosing the right valuation method, to why slowing down hygiene in your final years could cost you hundreds of thousands of dollars at closing. Whether you are two years out from retirement or ten, this is the conversation that changes how you think about the most valuable asset you will ever sell. What You'll Learn: → Why a third-party bookkeeper is the single most important step before selling → The hidden debt that almost derailed a real practice sale - and how it was found → The three main valuation methods: market summation, EBITDA multiples, and seller's discretionary earnings → Why two practices with the same take-home can have completely different sale prices → How to choose the valuation formula that works in your favour → Why the last two years of your practice matter more than the previous ten → What happens to your valuation when you slow down hygiene before selling → The exact steps to take if you have only two years until retirement → Why buyers always want to see bank statements - and what happens when they do not match → The one thing that destroys more dental partnerships than anything else → Why you need a practice valuation done today - not when you are ready to sell About Dental Wealth Partners: Dental Wealth Partners is a fee-only, non-commissioned financial planning firm built specifically for dentists. Founded by Ian McGinnis, the firm helps dentists at every stage of their career build real financial freedom-not just a bigger practice. Executive coach and business strategist Jeff Rutland brings a leadership and legacy lens to every conversation. Have you had your dental practice valued yet? If you are within 10 years of retirement and the answer is no - drop a comment below. Ian says getting that number is the most important wake-up call a dentist can have. CONNECT WITH Jeff Rutland Website:dentistfinancialplanning.com LinkedIn:linkedin.com/in/orgdevtrainingleader CONNECT WITH SMILES AND CENTS Host: Ian McGinnis, Website: https://dentistfinancialplanning.com/ Instagram:https://www.instagram.com/ianvmcginnis/ Facebook:https://www.facebook.com/DentalWealthPartners/ Linkedin:https://www.linkedin.com/checkpoint/challenge/AgHUSzW4H4zlT Youtube:https://www.youtube.com/channel/UCjMd5CUWkca7P_gmKlCBQ2Q #dentalpractice #practicevaluation #sellmypractice #dentist #dentalwealthpartners #ianmcginnis #jeffrutland #dentistretirement #dentalacquisition #sellerdiscretionaryearnings #practiceowner #podcastclip #dentistentrepreneur #dentalfinance #hygienedentist Schedule a free consultation with a dentist-specific financial planner. Get an objective financial assessment and see how your current strategy stacks up when it comes to debt management, practice growth, investing, and tax planning.

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  Episode #7

  How Much Do Dentists Actually Need to Retire? The Honest Answer | Dental Wealth Partners

  Jul 26, 202624 minS1

  Most dentists in their fifties are either guessing at their retirement number-or they have never calculated it at all. In this episode of Dental Wealth Partners, Ian McGinnis and executive coach Jeff Rutland break down exactly how dentists should think about retirement-not as a finish line, but as the point where you get to choose how you spend every day. From bond ladders to cash balance plans, from the Monte Carlo theory to the real reason DIY investing fails, this is one of the most practical retirement conversations built specifically for dentists. What You'll Learn: → Why the word "retirement" is working against you-and what to call it instead → The four biggest fears dentists have about running out of money → How to calculate your retirement number using simple back-of-napkin math → Why most dentists underestimate how much they will spend in retirement → What a bond ladder is and why it is a low-risk alternative to annuities → The cash balance plan: how to put up to $300,000 a year into retirement on top of your 401k → Why dentists in their fifties have the best saving window of their entire career → The Vanguard Advisor Alpha study: why DIY investing leaves 3 to 5.5 percent on the table → What the Monte Carlo theory tells you about your retirement account- and why it matters → The real story: a dentist who needed $10M to retire comfortably- and exactly how they got there About Dental Wealth Partners: Dental Wealth Partners is a fee-only, non-commissioned financial planning firm built specifically for dentists. Founded by Ian McGinnis, the firm helps dentists at every stage of their career build real financial freedom-not just a bigger practice. Executive coach and business strategist Jeff Rutland brings a leadership and legacy lens to every conversation. Have you ever actually calculated your retirement number? Be honest — drop a yes, no, or "I've been guessing" below. Most dentists guess. Ian says there is a better way. CONNECT WITH Jeff Rutland Website:dentistfinancialplanning.com LinkedIn:linkedin.com/in/orgdevtrainingleader CONNECT WITH SMILES AND CENTS Host: Ian McGinnis, Website: https://dentistfinancialplanning.com/ Instagram:https://www.instagram.com/ianvmcginnis/ Facebook:https://www.facebook.com/DentalWealthPartners/ Linkedin:https://www.linkedin.com/checkpoint/challenge/AgHUSzW4H4zlT Youtube:https://www.youtube.com/channel/UCjMd5CUWkca7P_gmKlCBQ2Q #dentistretirement #retirementplanning #dentist #financialplanning #dentalwealthpartners #ianmcginnis #jeffrutland #retirementnumber #diyinvesting #cashbalanceplan #bondladder #dentistmoney #podcastclip #autonomy #dentistfinance Schedule a free consultation with a dentist-specific financial planner. Get an objective financial assessment and see how your current strategy stacks up when it comes to debt management, practice growth, investing, and tax planning.

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  Episode #6

  What Most Dentists Get Wrong About Growing Beyond 3 Practices | Dr. Mike Huggins

  Jul 19, 202635 minS1

  Most dentists who try to grow beyond three practices hit a wall. Some burn out. Some blow up their partnerships. Some lose the culture that made them great in the first place. Dr. Mike Huggins did it differently. In this episode of Smiles and Cents, Ian McGinnis sits down with Dr. Mike Huggins - founder and owner of Life Dental in Oxford, Mississippi - to talk about how he went from a 27-year partnership that was going nowhere, to building a 15-practice dental group with a culture strong enough to recruit and retain the best dentists in the region. This is one of the most practical episodes the show has ever produced - from the four-minute patient connection rule, to kissing frogs in hiring, to why the relationship between a dentist and an office manager is the most important one in the building. What You'll Learn: → Why Dr. Huggins stayed in a 50/50 partnership for 27 years — and what finally made him leave → The moment he saw consolidation coming and decided to build his own group instead → Why the third practice is where most dentists get stuck — and how Life Dental pushed through → The "kissing frogs" hiring philosophy and why it works → How a dental assistant became the COO of a 15-practice group → The four-minute rule that builds patient trust and drives case acceptance → Why patients say it's money — but it's actually always about trust → How to go from $150K to $200K a month in production — without working more hours → Why promoting from within is almost always the right move → What every young associate should add to their skillset every single year → Why the dentist-office manager relationship is the most critical in the practice → How to grow a multi-practice group without losing the culture that made you great About Dr. Mike Huggins: Dr. Mike Huggins is the founder and owner of Life Dental - a 15-practice dental group operating across Mississippi, Alabama, and Tennessee. After 27 years as a 50/50 partner in a thriving Oxford practice, he built Life Dental with a business partner and a shared conviction: that dentists deserve a group that takes care of them the way they take care of their patients. At 62, he still produces $180K to $200K a month clinically and hunts as much as possible. About Smiles and Cents: Smiles and Cents is a fee-only, non-commissioned financial planning podcast built specifically for dentists. Hosted by Ian McGinnis, the show explores what it means to build a life worth living — not just a practice worth owning. What is the one skill you wish you had added to your practice earlier in your career? Dr. Huggins says one new procedure a year changes everything. Drop yours below. CONNECT WITH Dr. Mike Huggins Website:https://lifedentalgroup.com/home/dr-mike-huggins-dmd/ Instagram:https:https://www.instagram.com/mikehugginsdmd/ CONNECT WITH SMILES AND CENTS Host: Ian McGinnis, Website: https://dentistfinancialplanning.com/ Instagram:https://www.instagram.com/ianvmcginnis/ Facebook:https://www.facebook.com/DentalWealthPartners/ Linkedin:https://www.linkedin.com/checkpoint/challenge/AgHUSzW4H4zlT Youtube:https://www.youtube.com/channel/UCjMd5CUWkca7P_gmKlCBQ2Q #dentist #dentalpractice #smilesandcents #drMikeHuggins #lifedental #ianmcginnis #dentalgroup #dentistentrepreneur #caseacceptance #dentalculture #multiPracticeDentist #podcastclip #dentalproduction #youngdentist #dentalpartnership Schedule a free consultation with a dentist-specific financial planner. Get an objective financial assessment and see how your current strategy stacks up when it comes to debt management, practice growth, investing, and tax planning.

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