Sell now or build to sell? Sell for present value or sell for future value? Commit now, but defer the actual sale until later? Take cash or fund your pension plan with the value of your practice? These are just a few important considerations for a dentist who is thinking and planning for the future. See More

Sell now or build to sell? Sell for present value or sell for future value? Commit now, but defer the actual sale until later? Take cash or fund your pension plan with the value of your practice? These are just a few important considerations for a dentist who is thinking and planning for the future.

Listed below are some of the issues that should be considered by every dentist who is trying to decide whether to sell immediately or locate a committed purchaser but defer the sale until the practice has reached its peak fair market value. Analysis and planning is the key that can make a huge difference during your post-retirement years.

Immediate Sale if:
1. Your practice is already running at peak performance (annual collections of $750 + per patient).
2. You would like to fund your pension plan with the present value of your practice.
3. You want tax-deferred compound interest on your practice value to begin now.
4. You want to maximize your “Quality of Life” now.
5. You would prefer not to continue with the responsibility of managing the practice.
6. You are burned out on clinical dentistry.

Deferred Sale if:
1. Your practice has a lot of untapped potential (see #1 above).
2. You have a substantial amount of practice debt.
3. You are not burned out on clinical dentistry.
4. You don’t mind the responsibility of managing the practice for another 2 to 3 years.
5. You are willing to do what it takes to maximize your practice value over the next 2 to 3 years.
6. The potential future value of your practice can add more money to your pension plan than the immediate effect of tax-deferred compound interest on your present practice value.

AFTCO programs are specially designed to allow a dentist to complete an immediate or a deferred sale, quit practicing immediately or continue to practice for years following the closing, and structure a totally tax-deferred sale (and even tax free if your start early enough).
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