Tag: Financial Planning
The Drill Down on Dental Contracts: What to Know Before You Sign (Ep. 7)

The Drill Down on Dental Contracts: What to Know Before You Sign (Ep. 7)

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What should you look for in a dental contract before signing on the dotted line? 

Discover the essential knowledge needed to protect your interests and avoid common mistakes in dental employment agreements. Dr. Jackson Sadler and Brian Swilling dive into the crucial aspects of dental contracts, revealing the red flags and must-know terms that could affect your career.

Join Dr. Sadler and Swilling as they explore:

  • (2:00) The necessity of contracts and when to go beyond a handshake  
  • (15:00) How advisors can empower you in negotiation  
  • (25:00) Understanding the nuts and bolts of salary structures  
  • (35:00) Importance of performance metrics and their impact on your contract  
  • And more!

Resources:

Connect with Dr. Jackson Sadler:

Connect with Brian Swilling:

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The One Big Beautiful Bill Act (O-B-B-B-A) Part 2: Changes to Student Loans (Ep. 6)

The One Big Beautiful Bill Act (O-B-B-B-A) Part 2: Changes to Student Loans (Ep. 6)

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The financial rules for dentists just changed, and if you don’t know the details, you could be leaving money on the table or walking into unexpected debt.

In this episode of Oral Wealth: Prosperity in Practice, Dr. Jackson Sadler and Brian Swilling unpack the latest updates to student loans, FAFSA, repayment plans, and 529 savings. These changes impact dentists, students, and parents alike — from applying to dental school, to navigating loan repayment, to planning your kids’ education.

Dr. Sadler and Brian discuss:

  • How the new FAFSA rules replace Expected Family Contribution with the Student Aid Index (SAI),  and what it means for families with multiple students in school
  • Key updates to the SAVE repayment plan, including interest forgiveness that prevents balances from ballooning
  • Why Public Service Loan Forgiveness may finally be more realistic for healthcare providers in hospitals and clinics
  • The cap on Graduate PLUS loans and how it pushes more students toward private lending, plus what to watch out for
  • Expanded use of 529 plans for tutoring, testing, and dual enrollment starting in 2026
  • And more

Resources:

Connect with Dr. Jackson Sadler:

Connect with Brian Swilling:

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Avoiding Pitfalls in Your First Dental Contract (Ep. 5)

Avoiding Pitfalls in Your First Dental Contract (Ep. 5)

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Think you know what’s in your dental employment contract? Think again!

Join Dr. Jackson Sadler, an oral and maxillofacial surgeon, and Brian Swilling from NaviPath Financial as they break down the ins and outs of dental employment agreements. Whether you’re signing your first contract or navigating the options for your next role, their discussion could be the difference between a successful career move and unexpected pitfalls.

Dr. Sadler and Mr. Swilling tackle everything from understanding bonus structures to the implications of non-compete clauses. With practical advice and real-life examples, this episode empowers dental professionals to negotiate their contracts with confidence and foresight.

Discover some of the key insights shared:

  • (00:04:35) Understanding bonus types: Signing bonuses vs. Retention bonuses 
  • (00:21:50) Demystifying non-compete clauses and their impact 
  • (00:28:15) The importance of clear compensation models 
  • (00:32:40) Real-life anecdotes of common pitfalls and how to avoid them

Resources:

Connect with Dr. Jackson Sadler:

Connect with Brian Swilling:

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The One Big Beautiful Bill Act (O-B-B-B-A): Beneficial Changes for Dental Professionals (Ep. 4)

The One Big Beautiful Bill Act (O-B-B-B-A): Beneficial Changes for Dental Professionals (Ep. 4)

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What does the “One Big Beautiful Bill Act” mean for dentists? 

In this episode of Oral Wealth: Prosperity and Practice, Brian Swilling breaks down the sweeping tax legislation passed on July 4, 2025, explaining what’s changed, what’s permanent, and what dentists need to do now to take advantage.

Brian dives into the key provisions that matter most for high-earning healthcare professionals, including long-term tax planning clarity, new deductions, estate exemptions, business incentives, and powerful ways to fund your future with precision and flexibility.

Brian discusses:

  • Permanent tax brackets and higher standard deductions
  • Gift and estate tax exemption increases for wealth transfer
  • State and local tax (SALT) cap expansion for high-tax states
  • Deductions for seniors, charitable giving, child tax credits, and 529 plan updates
  • New business incentives and individual deductions for dentists and associates
  • How to maximize tax-deferred strategies like 401(k), profit sharing, and cash balance plans
  • And more.

Resources:

Connect with Brian Swilling:

Roth IRA earnings grow tax-free, and qualified withdrawals are also tax-free, provided certain conditions are met (e.g., the account has been open for at least 5 years and you are age 59½ or older, or meet another qualifying condition). Eligibility to contribute to a Roth IRA phases out at higher income levels. Non-qualified withdrawals of earnings may be subject to income taxes and a 10% early withdrawal penalty.

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The Roadmap to Financial Wellness for Dentists (Ep. 3)

The Roadmap to Financial Wellness for Dentists (Ep. 3)

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Can dentists truly navigate the financial labyrinth without succumbing to stress?

Join Dr. Jackson Sadler, Oral and maxillofacial surgeon, and Brian Swilling, registered investment advisor and founding partner of NaviPath Financial, as they bridge the gap between financial planning and dental practice management. This episode delves into common financial knowledge gaps among dental professionals, the changing landscape of dental practice ownership, and the crucial role of planning for a stable future.

Dr. Sadler and Brian explore:

  • [00:07:18] Student Loan Management and Lifestyle Choices 
  • [00:16:21] Educational Gaps in Dental Practice Management 
  • [00:21:42] Trends in Dental Service Organizations and Their Impact 
  • [00:25:11] Planning for Future Financial Stability

Resources:

  • Dr. Maya Angelou
  • Chart 1 – Areas where Dentists feel super comfortable.
  • Chart 2 – Private Practices vs. Dental Service Organizations
  • Chart 3 – Dental Practice Ownership Figures
  • Chart 4 – Insured People Going Without Dental Care

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Connect with Brian Swilling:

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Student Debt & Credit: Lessons Learned and Smart Strategies for Success (Ep. 2)

Student Debt & Credit: Lessons Learned and Smart Strategies for Success (Ep. 2)

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What’s the real cost of a dental education? As tuition continues to rise, exploring effective debt management strategies is crucial for aspiring dentists. 

Join hosts Dr. Jackson Sadler and Brian Swilling in this episode of Oral Wealth: Prosperity in Practice as they delve into the complex landscape of student loans and personal credit for dental professionals. In a candid conversation, Dr. Sadler shares his personal journey navigating student loans, including insights from his father’s dental school experiences and the daunting reality of managing debt during residency.

Resources:

Join Dr. Sadler and Mr. Swilling as they discuss:

  • [00:08:20] The impact of skyrocketing student debt on career choices 
  • [00:12:14] Pros and cons of various student loan types and repayment strategies 
  • [00:30:56] The importance of credit awareness and its effects on significant life decisions 
  • [00:36:58] The unexpected rise of GoFundMe as a tool to tackle educational expenses 

Tune in and learn how embracing financial literacy can help secure a prosperous future in dentistry.

Connect with Dr. Jackson Sadler:

Connect with Brian Swilling:

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