HomeOur FirmServicesClient LoginStart a Conversation

OUR SERVICES

Financial Planning That Evolves With Your Career

We educate our clients before we implement. Every recommendation starts with understanding your complete financial picture — your goals, your career stage, and your life.

Comprehensive Financial Planning

A detailed, living plan that addresses every dimension of your financial life — built around the realities of a dental career.

  • Cash flow analysis and budgeting strategy
  • Debt management and payoff optimization
  • Goal-based savings and accumulation planning
  • Tax planning and coordination with your CPA
  • Estate planning guidance and beneficiary review
  • Regular review meetings to keep your plan current

Investment Management

Relevant asset allocation specific to your goals, managed by a team that understands the dental profession's unique financial landscape. All investments carry risk, including the potential loss of principal.

  • Personalized portfolio design based on goals and risk tolerance
  • Ongoing rebalancing and tax-loss harvesting
  • Self-directed brokerage account (SDBA) integration
  • Transparent reporting and real-time access to your portfolio
  • Education on every investment decision — no black boxes

401(k) Plan Design & Management

Custom retirement plans for dental practice owners. Over 100 plans managed across 42+ states. Retirement plan design involves fiduciary responsibilities and regulatory compliance obligations.

  • Plan design optimized for tax savings (employee + employer contributions, profit sharing)
  • 3(38) and 3(21) fiduciary investment management
  • SDBA via Schwab PCRA for asset location within the plan
  • Flat-fee recordkeeping structure
  • Fee benchmarking and plan compliance support
  • Ongoing plan review and participant education

Tax-Optimized Retirement Strategies

Strategic structuring across retirement accounts, employer contributions, and profit sharing — designed to minimize tax impact while maximizing accumulation.

  • Multi-account tax coordination (pre-tax, Roth, after-tax)
  • Employer contribution strategy design
  • Profit sharing optimization for practice owners
  • Roth conversion analysis and implementation
  • Coordination with your CPA for year-end planning

Disability & Life Insurance

Specialized protection planning for dental professionals. Over 1,600 disability insurance policies placed for graduating dentists and practicing clinicians.

  • Own-occupation disability insurance analysis
  • Policy comparison and carrier selection
  • Life insurance needs analysis and placement
  • Coverage review as your career and income evolve
  • Integration with your broader financial plan

Student Loan Strategy

Refinancing analysis, origination review, and optimal income-driven repayment plan selection — built into your overall financial plan, not handled in isolation.

  • Federal vs. private refinancing analysis
  • Loan origination review and comparison
  • Optimal IDR plan selection and recertification strategy
  • PSLF qualification review where applicable
  • Integration with debt payoff and investment timeline
OUR PROCESS

How We Create Value

A clear, structured process that begins with listening and evolves into a lasting partnership.

Discovery

We start by listening. We learn about your goals, your concerns, where you are today, and where you want to go. No sales pitch — just a conversation about what matters to you.

Plan Design

We build a comprehensive financial plan specific to your situation — cash flow, investments, insurance, debt, retirement. Everything in one coordinated plan.

Implementation

Once you understand and approve the plan, we execute. Account setup, investment allocation, insurance placement, loan strategy — handled by our team with full transparency.

Ongoing Partnership

Your plan evolves as your career does. Regular review meetings, proactive adjustments, and a team that stays in communication. This is a relationship, not a transaction.

Ready to Take the First Step?

Tell us a little about yourself and your goals. We will follow up to see if we are the right fit for your financial future.

Start a Conversation
decorative
Client LoginStart a ConversationSecure UploadDisclosuresPrivacy PolicyTerms of Service

Listen. Learn. Invest.

Comprehensive financial planning and investment management built for dental professionals.

Quick Links

HomeOur FirmServicesClient LoginStart a Conversation

Services

Financial PlanningInvestment Management401(k) Plan DesignInsurance & ProtectionStudent Loan Strategy

Contact

407-267-8445servicing@virtusfp.comWinter Park, FL

Virtus Financial Partners is an investment advisor registered with the U.S. Securities and Exchange Commission; registration does not imply a certain level of skill or training. This content is for educational purposes only and does not constitute personalized investment advice, and Virtus does not provide legal or tax advice. Virtus receives compensation for the advisory services it provides. Certain Virtus representatives are also licensed insurance agents who may offer insurance products in a separate, non-advisory capacity for commissions, which presents a conflict of interest. Past performance is not indicative of future returns. Information is current as of the date published and is subject to change. You should consult your own attorney, CPA, and financial advisor regarding your specific situation.

© 2026 Virtus Financial Partners LLC. All rights reserved.