#dentists seeking to sell their practices or retire

[ddsmatch]

Dentistry faces forces and trends as the profession continues an evolution that started well before the pandemic. Traditionally, when a dentist decided to retire after 30-40 years, the model didn’t vary much: a younger dentist would purchase an established practice. But the Dental Service Organization (DSO) movement has been one of the most significant changes over the last few years. As dental practices seek more efficient ways to manage their operations and make profitable exits, DSOs have become another solution.

[highroidentistry]

Highroi Dentistry specializes in facilitating the sale of dental practices, offering unparalleled expertise and personalized service to dentists seeking to transition their practices. With a deep understanding of the dental industry and market trends, Highroi Dentistry guides sellers through every step of the process, from valuation to closing. Our dedicated team ensures confidentiality, transparency, and optimal value for each transaction. Whether you're looking to retire, relocate, or expand your practice, trust Highroi Dentistry to deliver exceptional results and maximize your return on investment. Sell your dental practice with confidence and ease with Highroi Dentistry by your side.

[cohenlawfirmpll]

Protecting Your Investment: The Importance of a Dental Practice Transition Attorney

Introduction

Owning and managing a dental practice is a significant investment that involves both financial and emotional commitment. Whether you're considering selling your dental practice, buying an existing one, or entering into a partnership, the process can be complex and filled with potential pitfalls. This is where a dental practice transition attorney plays a crucial role. In this article, we will explore the importance of engaging a dental practice transition attorney and the valuable services they offer to safeguard your investment.

Understanding Dental Practice Transitions

Dental practice transitions encompass various scenarios, including:

Practice Sales: When a dentist wishes to retire or sell their practice, they need to find a suitable buyer. This process involves not only negotiating the sale price but also addressing legal, financial, and operational aspects of the transition.

Practice Acquisitions: Dentists seeking to expand their practices or acquire a new one often enter into agreements to buy existing dental practices. The acquisition process can be complex and requires thorough due diligence.

Partnerships and Associateships: Dentists may enter into partnerships or associateships with other dental professionals to share the responsibilities and profits of a practice. These agreements must be carefully structured to protect the interests of all parties.

Dental Real Estate Transactions: The purchase or lease of dental office space also requires legal expertise to navigate real estate contracts and ensure a smooth transition.

The Role of a Dental Practice Transition Attorney

A dental practice transition attorney is a legal professional with expertise in the specific needs and intricacies of dental practice transitions. They serve as invaluable advisors and advocates throughout the process, offering a range of services tailored to the unique requirements of the dental profession.

Key Services Offered by Dental Practice Transition Attorneys

Legal Due Diligence:Dental practice transition attorneys conduct thorough due diligence to assess the legal aspects of a practice. This includes reviewing contracts, licenses, permits, and regulatory compliance. Their goal is to ensure that there are no hidden legal issues that could impact the transition.

Contract Drafting and Review:These attorneys are well-versed in drafting and reviewing contracts essential to practice transitions, such as purchase agreements, partnership contracts, employment agreements, and real estate leases. Their role is to ensure that the terms are clear, equitable, and protect their client's interests.

Negotiations:Dental practice transition attorneys serve as skilled negotiators. They represent their client's interests in negotiations, whether it's regarding the sale price of a practice, compensation terms, or partnership agreements. They aim to secure the best possible outcome for their client.

Regulatory Compliance:The dental field is heavily regulated, with requirements related to licensing, permits, and healthcare regulations. Dental practice transition attorneys ensure that all parties involved in the transition comply with these regulations to avoid legal complications.

Patient Records and Confidentiality:Managing patient records and ensuring patient confidentiality is a critical aspect of dental practice transitions. Attorneys help structure agreements that address the transfer of patient records and ensure that all parties adhere to patient confidentiality regulations, such as HIPAA.

Exit and Entry Strategies:Whether you are selling your practice or acquiring one, having a well-structured exit or entry strategy is essential. Dental practice transition attorneys help you plan for a smooth transition, addressing issues like patient retention, staff management, and financial arrangements.

Real Estate Transactions:If the transition involves real estate, attorneys handle real estate contracts, including purchases, leases, and property evaluations. They ensure that real estate transactions align with the overall goals of the practice transition.

Non-Compete Agreements:To protect the interests of all parties involved, dental practice transition attorneys draft non-compete agreements that may restrict the seller or departing dentist from practicing within a specific geographic area for a certain period.

Dispute Resolution:In cases of disputes or disagreements during the transition, attorneys can facilitate dispute resolution, whether through negotiation, mediation, or, if necessary, litigation.

The Importance of Legal Counsel in Dental Transitions

Risk Mitigation: Dental practice transitions come with inherent risks. Engaging a dental practice transition attorney helps mitigate these risks by addressing potential legal issues, ensuring compliance, and drafting protective contracts.

Asset Protection: Your dental practice is a significant financial investment. Legal counsel safeguards your assets by structuring the transition in a way that protects your financial interests.

Regulatory Compliance: The dental field is heavily regulated, and non-compliance can result in legal consequences. Dental practice transition attorneys ensure that all parties adhere to regulatory requirements.

Negotiation Expertise: Negotiating the terms of a practice transition is a delicate process. Attorneys with experience in dental transitions can help you secure favorable terms while maintaining positive relationships with all parties involved.

Confidentiality and Ethical Considerations: Managing patient records and ensuring confidentiality is paramount. Dental practice transition attorneys address ethical considerations and ensure that patient records are handled with care.

Conclusion

Dental practice transitions are significant milestones in the careers of dental professionals, whether you're selling, buying, partnering, or expanding. Engaging the services of a dental practice transition attorney is essential to protect your investment, navigate the complexities of the transition process, and ensure legal and regulatory compliance. These legal professionals offer a range of services, including due diligence, contract drafting and review, negotiations, regulatory compliance, and dispute resolution. By partnering with a dental practice transition attorney, you can confidently move forward with your practice transition, knowing that your interests are well-protected throughout the process.

[ddsmatchmi]

When it comes to buying and selling dental practices in Michigan, DDsmatch is a trusted and highly specialized resource that facilitates seamless transactions in the dental industry. Whether you are a seasoned dentist looking to transition into retirement or a recent dental graduate seeking to establish your own practice, DDsmatch provides the expertise and support needed to navigate this complex process. They understand the unique dynamics of the dental market in Michigan, including valuation, legalities, and finding the right match for your practice. With their extensive network, knowledge, and experience, DDsmatch ensures that both buyers and sellers can achieve their goals in a way that maximizes value and minimizes stress, ultimately leading to a smooth transition and a successful future in the dental field.

[dmvdds]

If you're considering the sale or acquisition of a dental practice in Northern Virginia, DDSmatch Mid-Atlantic is your trusted partner in making this significant decision. With a deep understanding of the local dental industry and a commitment to facilitating seamless transitions, DDSmatch Mid-Atlantic provides expert guidance in the buying or selling process. Whether you are a dentist looking to transition into retirement or a practitioner seeking to establish your roots in the vibrant Northern Virginia dental market, DDSmatch offers comprehensive support, helping you find the ideal dental practice that matches your professional aspirations and financial goals. Don't miss the opportunity to explore the thriving dental landscape in Northern Virginia with DDSmatch Mid-Atlantic by your side.

[glopratchet]

retirement-home

ter program that is attached to the conciousness of astryl wylde, and soldiers are stationed there "We're going to die here! A large hole in the ground where an army was massacred There's no sign of any survivors or bodies of any kind Small lake dripping with blood shade from the sun so rare under gathering storm clouds Screams So much screaming nearby "Too close! Undergrowth seeking shade from the sun so rare under gathering storm clouds bathing under the hovering stormclouds About a hundred men lay crushed and broken, some still living Lightpoles bathing under the hovering stormclouds Construction site under sweltering heat caused by explosive blasts from TNT wielding strange weapons Green-skinned bodyguards wielding strange weapons secured around bleeding wounds Bandages secured around bleeding wounds displaying distress calls Large one with increasing heartbeat, small one broken and motionless Monitors displaying distress calls for a deadly virus that seem to affect the heart A coffin with a rifle-grip handle on the lid Vaccine for a deadly virus that seem to affect the heart marching forward with heavy duty armor, visors locking in place A group of inkeepers nonchalantly holding assault rifles Shocktroops marching forward with heavy duty armor, with anesthetic, fast-acting and deadly Pharmaceuticals with anesthetic, suite with usage of private helicopter and lavish spending money Cafeteria serving rotten food Unathorized Procedure: "Slaughters" High-roller suite with usage of private helicopter and lavish spending money with machineguns taking up a defensive formation out of blackmarket 50-Cals Copying and dismantling several explosive sent in by rebels Lizards with machineguns taking up a defensive formation out of blackmarket the Grim's laptop with illegall copies of extremely rare songs The last Warden Sergeant quickly burnt and turned to ash, now haunting the studios Gorazel the Grim's laptop with illegall copies of extremely rare songs begging to stay and help out Nurse taking live newsfeed of a robbery gone wrong and the robbers filling full of bulletholes Cyber-surgeon begging to stay and help out by with a full fake american passport under the name "Nick Plumber" A meeting with Mr Black Who is Mr Black? Agent walking by with a full fake american passport under the name "Nick Plumber" (Borders? ) dismantled by bombing Troops not harming fellow countrymen Only defectors and wannabes suffer firing Borders ; backwards sending a photo of a small village Location tagged with "Could be hiding here" Troops moving in the night Agent stretching backwards sending a photo of a small village -stained clothes sent to nearby town for cleaning A map with a village and "Definitely hiding here" tagged Blood-stained clothes sent to nearby town for cleaning for a drug addict, not doing much police work Large back with unusual, non-industrial construction style Older man comforting a mourning family Agent caregiving for a drug addict, panting after strenuous physical exercise 'Unregistered revelator', Johnny-23 Multiple orphanages and charities under one roof Possibly a front Dog panting after strenuous physical exercise offsite Helicopter preparing for takeoff As helicopter takes off and swiftly out of range, Ground team erupt in cheers Agent cheese-making offsite with mounted gatling gun, belts of ammunition hanging off him Mustard gas released to target rebels on motorbikes Agent roving with mounted gatling gun, of butterflies surprising a religious cult Rinse and repeat, just different enough to stay interesting Cyclone of butterflies surprising a religious cult priority to guide first-timers Unusual tactics yield unusual casualties Lottery style choosing of cities for raid purely based on random numbers Agent well-being priority to guide first-timers with gambling addiction stopping you from smuggling in more money Unbending rule: No shot glasses of alcohol Agent coping with gambling addiction stopping you from smuggling in more money Agent catalyzing debate over teams dying and morale improving Desperately seeking team-members with communications background Real rumors sparked by you A gay couple causing a scandal by holding hands in public A hedonistic man denied of free alcohol at the classiest bar in town and enslaving prostitutes from your personal harem Bank-tellers going on hunger strike for better pay Agent mistreating and enslaving prostitutes from your personal harem and executing captured prisoners for their clothing Doctor treating all prisoners, rebels, militia and us alike Randomly raising defense plans Agent diagnosing and executing captured prisoners for their clothing chin with loaded gun Random kidnapping for less-hackable personal connections House infiltrated and machinery sabotaged Death of innocent family Agent stroking chin with loaded gun child actor and black-mailing an official into arming truck Rebel defending convoy spotted getting fuel without verification Taking out loan to buy gear Agent portraying child actor and black-mailing an official into arming truck national pride by demanding paperwork for traffic citations Between us and the enemy, allies & unaffiliated Next door bar's private music concert Agent evoking national pride by demanding paperwork for traffic citations non-descript in dirty bath-house Unlicensed backyard power-station causing concern Farmer warning of fuel shortage for tractor Agent photographing non-descript in dirty bath-house with workers while water-truck refuels A fatigued and sick peasant just trying to get by Agent joking with workers while water-truck refuels teeth with a journalist critical of protest plans Rebel power-station understaffed and outdated Agent brushing teeth with a journalist critical of protest plans Grandmother with rebellious sons Only registered Agent dentists working without supervision Rebel guards eating donuts and laughing in the control-room Sundowning Grandmother with rebellious sons truck unloading outside luxury hotel Mothballed civil defense measures at the mercy of an uncontrollable Agent Sanitation truck unloading outside luxury hotel is a game being created by This War of Mine developers, designed around the idea of civilians in war-zones Colossus is a game being created by This War of Mine developers, civilians flee from their city under threat of occupation by an invading force, a powerful rebel faction or even due to an oppressive/ totalitarian government Community-dwelling civilians flee from their city under threat of occupation by an invading force, don't know you're there, the very people you exist to help may not even know you're there ; (or that the help is coming from an off-book Muckety-mucks don't know you're there, Mayor welcoming the help Ashamed city wanting to forget it ever happened Food riots in supermarket Ribbon-cutting Mayor welcoming the help released by happy civilians A rebel warning people to not accept food if they see you Militia rationing supplies in supermarket Balloons released by happy civilians team injecting misinformation into news-articles about their whereabouts No internet rebels seeming to know anything about you or your team's presence in the city Grooming team injecting misinformation into news-articles about their whereabouts taking advantage of the pause in fighting and having a party Secret Government takeover with mysterious origins Sham wedding uniting an entire family to the organisation Skinnys taking advantage of the pause in fighting and having a party secretly taking place during food-drop Out for revenge against rebel leadership or government Undercover rebels among you trying to entrap team-members Counseling secretly taking place during food-drop anonymously warning people not to accept food Corrupt businessmen happily accepting help due to their friendly relationship with your organisation Sporadic rebel attacks on food-trucks Bartenders anonymously warning people not to accept food team caught eating in public causing public outrage Eating team caught eating in public causing public outrage with illegal gambling den in basement Whisky-joint with illegal gambling den in basement on bad memories of conflict Randomly screaming and breaking things for no reason Crowded apartment block filled with illegal speakeasies Dwelling on bad memories of conflict family looking to sell their crop for food Fake-doctor running illegal medical practice releasing addicts into street Sodbuster family looking to sell their crop for food on uncomfortably-hot-and-smelly mattresses in derelict building Refugee children selling handmade trinkets Sleeping on uncomfortably-hot-and-smelly mattresses in derelict building -gang felling trees to make wooden weapons Manic-depressive alcoholic heckling team-members Mini-chainsaw-gang felling trees to make wooden weapons ian Storyteller travelling with her handmade puppets Street-performer singing happy songs about the cruelty of life Meal over, hunger remains Astrylian Storyteller travelling with her handmade puppets & human urine used to rinse teeth Drug-addicts demanding food for handing out addict-supplying tips Toothpaste & human urine used to rinse teeth Rookie mistake Bus-full of spies sent to investigate you and your operation Fakefuneral: Well now you know for next time Shambles: over-feeding infant at distressing rate Under-cover rebellions within the heart of the enemy Wet-nurse over-feeding infant at distressing rate kull: Rookie mistake 2 A quiet and surprisingly calming grave-site Sweaty Man making shady deals in seedy underground buildings Chatterskull: and secret tunnels Seperatist camp riddled with sinful activity The ruthless city militia doing deals outside an armoury intent on buying illegal assault weapons Passageways and secret tunnels of your terrible mistake Cyborg killers making sure you live 2 0 this time Admission of your terrible mistake drawing: begging for food from the public at large Man-of-the-cloth rousing a mob with accusations of Orphanage abuse Weakness-magnets drawing: beds, a box of hand-me-downs but no parental love You packed food from the wrong faction! Now they're after you as well Homelike beds, Addiction never helps Razorwire: Rookie mistake 3 Cafffeine: expertly disarming your influence over childhood development Death Penalty for mental distresses affecting the brain Gerontologist expertly disarming your influence over childhood development Dangerous! Sinscales: The last ones left uncaught in this city Anti-immmunity: Running out of them Tumblebleeds: A growing concern Your inquisitive nature urging you to investigate despite my warnings! of eternals blowing the dust off this notebook! Gusts of eternals blowing the dust off this notebook! -devise broken hooked up to a system of denial Conciliatory Rebels in fragile ceasefire until final assault on you Life-prolonging-devise broken hooked up to a system of denial all failed except eternals Cataclysm: Something must be done but what can I do, my hands are tied and my mind is bound Surgeries all failed except eternals man Crew: Extra-regimental fighters eager for a good fight Sportsman Crew: Where did all these holes come from all of a sudden? Unlikely Metal Maggots feasting on this city leaving it to rot Metal Maggots feasting on this city leaving it to rust Resurrection: Hypnowaves: Truth to power, forever unrtouched Beautiful yet fake Dream over: He's gone Harmonica: of eternals Mattresses of eternals Booty of orphans You've lost your child forever now This pain will never heal Booty of eternals toaster banging out take-that-cancer songs Creaking swing sets overgrown with weeds Rusted-out toaster banging out take-that-cancer songs Poisonous Your bones'll turn to dust Phosphorus: trying it's best to be human while hating everything human Loyalty, Idiology, Bunker-rattling or subtle sabotage Automaton trying it's best to be human while hating everything human al aspirations or simple desire for survival? Time will tell just what kind of Pious leader you'll become Megalomaniacal aspirations or simple desire for survival? to dust Dust to dust targeting mines and rebel-held areas; Rebels lacking support targeting civilians; Civilians just trying to get by Patriots targeting mines and rebel-held areas; Your influences have severely weakened over this city, let's change that Dams be damned, New Heart just isn't titled to an Embiny dam! Rebel hats, conqueror shirts skin and sexual attractions to skulls So I've heard at least Gangrenous skin and sexual attractions to skulls This city supports miners and the dam, everything else be damned Weeds The environment has quickly become too dangerous to count on over Prediction ^ Prophecy over Prediction ^ Strategy over Tactics! Atom-grabbing will not save you, harmony over warfare though might! Triangulation: Be nice now Hints And Numbers ^ Creepy clown militia itching for a fight Preachings: of power and dismantling obsession Non-aggression pact from the, until now silent, Church of the Pure Corrosion of power and dismantling obsession Find your voice! Soapbox: will win this game Moisture will win this game over Science ^ History of warfare, hierarchy and slavery polished and dusted off for all to see Cats with too may eyes crowd the dark Sermons over Science ^ the masses to suit your needs Lobotomize the masses to suit your needs You got some new faces and a slight change of scenery since the last log Longer cords and tube-tents Toothbrushes and tube-tents at the bottom of rubbish-crawlers Bloodlust shining off of every muscle fiber Diamonds at the bottom of rubbish-crawlers swinging over every loyal disciple Rounds of crisis being spat out by smug grins Confessionals turning grey from our sins Talisman swinging over every loyal disciple feet dust collecting at the bottom of my worn shoes The thrill is gone I guess everything has it's season, however short or long it may be Stinky feet dust collecting at the bottom of my worn shoes Powerful stuff but man does it get the job done Shrapnel ^ Many of us are dented and rusted Oozes out of the shadows for the thrill of the hunt Metal menaces sharpening knives to scoop out and digest rebel hearts with True or False? All soldiers have logs and we love writing in them Highways leading Out of here, or to another city War? Newspapers: and Merchants ^ Finally, people to talk to that aren't thugs or slaves Technology sometimes scares me I can barely work a toaster Diplomats and Merchants ^ pushing us around, how quaint Jocks pushing us around, Wut? Waking Up In A World You Know The Rest ^ Gloomy mornings turn into sleepy afternoons Eskiminzins? The StrongestOne now has Warrick's body! Muscle mass increased, bone density risen, adrenaline efficiency skyrocketed Physique: Garden-variety enerm inhibitors block the heart, digestive system, brain and all other parts of the body The conquerors are nothing but screams to me now Convulsions is one of the less painful ways to die inside the lounge room Shields thrown, cannons blasting, spears clanging of an identity incapable of true beautiful wars Fear kneads my gut into tiny mountains and thorny vales Designers of an identity incapable of true beautiful wars of Numbness ^ Musicians preform for you Muscriptions rush into your head Cities rise and fall Anatomy of Numbness ^ bloom and whither Symmetry is shown in your position A rebel princess and a soldier of The Just Alliance Populations bloom and whither and cigarettes used to keep you up during the lazy, hazy, crazy days of summer, whilst sunrise endlessly broke out into your teenage dreams Coffee and cigarettes used to keep you up during the lazy, hurry past you on their morning commute Gustav Mai, the aging General of The Just Alliance The city is calm today Hoppers hurry past you on their morning commute and Lights ^ Green emerald lights flicker on and scan you Hooks and nets lay beneath the surface, thirsting for a chance Livers and Lights ^ who don't see themselves as such The memories of a dying city zombies, corpses, skeletons and ghosts Nobility who don't see themselves as such You see the business District, The Crown State of Nalin River and Lagos beyond What starts these wars? Everything you need to make it through another day Medicine, Caffeine Life is dead in this city, how much longer can you last? clamber over your heavy gloves These streets used to be like rivers of oil Running smoothly and bulging with energy and life Think about it Scorpions clamber over your heavy gloves Watermelons sumo wrestling over there by the refreshment table Children screaming in the bounce-houses after Dumpster is pulled away by the sanitation workers You evade a groping hand Was it an accident? Dumpster after Dumpster is pulled away by the sanitation workers oozes from your posture Explorium: The last few remaining uncharted territories Bravado oozes from your posture after dune like waves upon an angry sea erupting with fire and death DING! Dune after dune like waves upon an angry sea Apocalypse-weave your spine and drain you of all hope Feathers flatten themselves against your body You forgo brushing your arm make for a hilarious combination Technology ^ Machines try to predict the future fallible still Spit-and-polish make for a hilarious combination are larger than life what happens when they die? Walls and ceilings scream passageways endlessly Trains glide across the terrain with a rumble Super-soldiers are larger than life You don't even drink wine on Holy Terra's days off Technicians clip-clop down the streets in their dance of maintenance Asks, "Why Study the Past? There are trillions of souls in The Creation, and yet you are but one Hushed as rampant whispering Zoologist Asks, makes for tricky eating Monospace Font: The easiest way to kill time Who knew the past could kill you? Lizard-on-a-stick makes for tricky eating No, seriously All your bones are interior Endoskeleton: What you are on the outside, as opposed to your genotype- your genetic heritage as well as many other subspecies A mass of tentacles writhes off Cephalopods Moreauvian, For it is easy to end up on the land instead of water "Everything in Time, " says Father Time Galaxies and Light ^ Is The End in sight? What lights the stars? Darkness is a sure thing in your evens The stars cannot be counted Too many eternities could pass by The Creation though from above is different Creation zips past your face Like a blur it changes in front of your eyes If impact is to shallow then back you go back into space to be frozen again To avoid impact, you throw your ship into a pointless orbit The Creation is definitely more beautiful from Above It will all BE REVEALED Dripping eggs in a sleek machine called as it drops bringing on cracks The tape could be wrapped round and round to make thick hoops that are then glued together The container will need to be rigid to make sure that the walls do not flex or the egg could bang on the walls as it drops bringing on cracks but you probably need to exceed that so45 gs or more to give a comfortable safety margin An egg can withstand between 20 to 30 gs before cracking, The tape would need to be about 1 5 inches for the thickness of ply The distance aslo needs to be of a suitable size to fit the tape Harvard should be able to supply such things It is strange that you can build intergalactic starships but struggle to bring down an egg Concrete, however, is far too heavy so would be useless as a ballast Any other ideas Leave it with me We will need a thick, tough, waterproof fabric to wrap and strap the device for launch

[digitalmark18-blog]

Save your money for a financial adviser who gets what you need and sees who you are

New Post has been published on https://britishdigitalmarketingnews.com/save-your-money-for-a-financial-adviser-who-gets-what-you-need-and-sees-who-you-are/

Save your money for a financial adviser who gets what you need and sees who you are

Check out financial advisers’ websites and you may notice a common theme: They define their market broadly. In many cases, advisers describe their firm as serving people of all ages across a range of professions who seek financial freedom and peace of mind.

When Michael Kitces reads such things, he tends to shake his head in frustration. Kitces writes the Nerd’s Eye View , a popular blog for advisers and consumers. He’s also director of wealth management at Pinnacle Advisory Group in Columbia, Md.

“I see advisers’ websites that say they specialize in helping individuals, families, business owners and institutions,” he said. “That’s almost everyone on the planet.”

Kitces, a frequent speaker at adviser conferences, urges his audiences to rethink how they deliver their message. Rather than seek to attract a wide swath of clients, he suggests that they narrow the field. “Advisers need to get super-specific on who they serve and then change their websites and value proposition to serve those groups,” he said.

Yet he finds that many advisers resist this approach. Instead, they adopt what he views as a misguided strategy of marketing to just about anyone. “The wider you stretch your net, the more holes you have and the less fish you catch,” he cautioned.

He cites the 80/20 rule as it applies to an adviser’s book of business: 80% of profits flows from 20% of clients. But then he adds a twist. What if the entire clientele consisted of just that 20%? By targeting a narrow niche (ideally, one that other advisers overlook), Kitces contends that an adviser can thrive with just “50 great clients.” He crunches the numbers to make his case.

Assume that an adviser charges between $2,500 and $5,000 in annual fees, he begins. Use $4,000 as the average collected per client, per year. With 50 clients, that’s $200,000.

“With just 50 clients, you might keep 80% of that revenue, especially if you have a smaller firm with less overhead,” he continued. “So you’re netting $160,000 a year.” Such a steady stream of revenue can prove sustainable over time, he adds. That’s because well-run firms maintain a client retention rate around 97%, so an adviser would only need to replace perhaps one client every year.

“I’ve seen advisers really go deep in differentiating themselves,” Kitces said. “They can target [subgroups of] millennials or professions such as doctors, dentists or even pharmacists. Or they can specialize in certain trades or affinities.”

Kitces marvels at an adviser in the Midwest whose firm focuses on helping professional bass fishermen with their investments. Digging further, Kitces learned that bass anglers can earn millions of dollars in prize money at tournaments — and it’s possible to build a practice around an elite core of these fishermen.

For advisers stuck in traditional approaches, Kitces prods them to revisit their assumptions about their role. Decades ago, advisers largely sold their company’s financial products. If they found a competitor offering what they deemed better products, they’d job-hop. “Now what you’re getting paid for is you and your knowledge,” Kitces said. “It’s the expertise between your two ears. The products alone aren’t differentiating you enough.”

As a result, the biggest trend facing advisers involves bolstering their education, Kitces said. That means earning professional designations beyond the certified financial planner (CFP) credential to demonstrate a deeper grasp of complex financial matters.

“As technology marches forward, there’s pressure to step up and provide knowledgeable advice beyond the products you’re selling,” he added. “We’re seeing rapid growth not just in CFP certification, but in post-CFP certifications such as in the retirement specialty (RICP, RMA), wealth management (CPWA), investment (CFA, CIMA) and life insurance (CLU).”

Source: https://www.marketwatch.com/story/save-your-money-for-a-financial-adviser-who-gets-what-you-need-and-sees-who-you-are-2018-08-13

[sherristockman]

Fluoride: Poison on Tap Dr. Mercola By Dr. Mercola Today, 74 percent of Americans on community water systems receive fluoridated water.1 Since 1945, it has been widely accepted in the U.S. that fluoride is "safe and effective" to prevent tooth decay. But is it really? The 2015 documentary, "Fluoride: Poison on Tap," seeks to expose what may be one of the longest-running and most successful deceptions known to mankind — adding industrial waste, in the form of fluoride, to public drinking water. You may be shocked at the lengths to which corporations, industry and government have gone to make this industrial waste product appear beneficial to your health. Fluoride = Health: How Did We Get Here? You may be surprised to know the first American commercial use of fluoride, in the form of sodium fluoride, was to kill insects, lice, mice and other vermin. It was quite effective. In the 1930s, aluminum-industry giant Alcoa was the largest producer of fluoride, releasing vapors into the atmosphere that crippled or killed farm animals and scorched crops and other vegetation. In those early years, many lawsuits were brought against Alcoa to recover damages from lost animals and crops. Growing concerns about the seemingly negative effects of fluoride gas on human beings motivated the company to devise a means of recycling this potent industrial byproduct. The brainchild of water fluoridation was Gerald Cox, a researcher with the Mellon Institute in Pittsburgh. He received a request to look at fluoride's effects on teeth from Alcoa lab director Francis Frary, who was concerned about mounting lawsuits related to the fluoride pollution his plant produced. Another motivation was the reality that disposing of fluoride waste from its aluminum plants was becoming increasingly costly for Alcoa. Previously, the Mellon Institute had been the leading defender of the asbestos industry, producing research showing asbestos was harmless and worker health problems were purportedly due to other causes. Using "science" as a smokescreen, the Mellon Institute was able to save the asbestos industry from financial catastrophe. As a result of their success in using science to prop up the asbestos industry at that time, it makes sense Alcoa chose Cox and the Mellon Institute to craft a story around the perceived health benefits of fluoride. To ensure their success, Alcoa executives realized public opinion about fluoride had to be carefully and continuously manipulated. In a bold move, they hired public-relations pioneer Edward Bernays, who later became known as the "father of spin," to head the U.S. water fluoridation campaign. Using psychological principles targeted at what he called, the "mass mind," Bernays was quite successful in attracting public support for the widespread consumer use of fluoride.2 The Beginning of Water Fluoridation By the 1950s and '60s, when the practice of releasing fluoride vapors into the air was reined in due to the introduction of air pollution technology, fluoride had already been added to U.S. drinking water. In January 1945, the city of Grand Rapids, Michigan, became the first of thousands of U.S. municipalities to proudly add fluoride to its community water source, under the guise of preventing tooth decay. As technology has advanced, fluoride acid, also known as hydrofluorosilicic acid, is now caught in wet scrubbers, which curtails air emissions. As such, companies like Cargill, Mosaic and Pencco are able to barrel up and sell fluoride to cities across the U.S. which, in turn, add this unrefined hazardous material to their community water supplies.3 You may be shocked to learn that the fluoride added to your water is not pharmaceutical grade. Indeed, most of the fluoride added to municipal drinking water is simply an unrefined, highly toxic, industrial waste product. Some of the contaminants that accompany the fluoride added to your drinking water likely include aluminum, arsenic, lead and radionucleotide, among others. As noted in the film, water fluoridation was invented as a profitable recycling venue for toxic waste. Instead of having to pay for proper disposal, this industrial waste is sold for profit, and "disposed of" by being dispersed into drinking water. Fluoride May Be in More Than Just Your Drinking Water Should you be fortunate to live far from industrial plants where fluoride is handled and lucky enough to reside in a community where fluoride has not been added to your water, you may still get dosed with fluoride. How? Because it's in beverages and processed foods such as cereal, beer, juice and soda. In fact, anything manufactured with fluoridated water will add to your body's fluoride toxicity burden. According to the late Jeff Green, former national director of Citizens for Safe Drinking Water, fluoride can also be found in selective serotonin reuptake inhibitor (SSRI) medications, such as the antidepressant Prozac. Additionally, it appeared in the banned diet drug Fen-Phen. Rohypnol, the so-called date-rape drug, also contains fluoride. Green noted the teenagers responsible for the shootings at Columbine High School, in Littleton, Colorado, in 1999 were using SSRI drugs at the time, which he suspects may have impacted their mood and behavior. If you live in the U.S., nearly 95 percent of all toothpaste sold in this country also contains fluoride. Increasingly, dentists are adding fluoride to their cement and filling materials, and fluoride-containing varnishes are often added to children's teeth. Common Misconceptions About Water Fluoridation It's a common misconception that fluoride is added to drinking water worldwide. Nothing could be further from the truth. Says Paul Connett, Ph.D., retired chemistry professor and executive director of the Fluoride Action Network (FAN):4 "Water fluoridation is a peculiarly American phenomenon. It started at a time when asbestos lined our pipes, lead was added to gasoline, PCBs filled our transformers, and DDT was deemed so 'safe and effective' that officials felt no qualms spraying kids in school classrooms and seated at picnic tables. One by one all of those chemicals have been banned, but fluoridation remains untouched." As stated by Connett, the U.S. is one of just eight countries worldwide in which more than half of its population is exposed to fluoride through their drinking water. The other seven countries that fluoridate drinking water are Australia, Colombia, Ireland, Israel, Malaysia, Singapore and New Zealand. Water fluoridation has actually been banned in most European countries, including Austria, Belgium, Denmark, Finland, Germany, Hungary, the Netherlands, Norway and Sweden, just to name a few. According to biological dentist Dr. James Rota, these countries, as well as China and Japan, have concluded the practice of adding fluoride to drinking water is "ineffective, toxic and should not be used." FAN underscores the limited scope and value of adding fluoride to drinking water, noting:5 Nearly 378 million people, representing just 5 percent of the world's population, drink artificially fluoridated water More people drink fluoridated water in the U.S. than in the rest of the world combined Western nations that fluoridate their water have rates of tooth decay similar to those that do not add fluoride to their water6 The Effects of Fluoride on Your Body Given that fluoride is handled as a hazardous material and labeled accordingly, the lack of transparency about its health effects is a true public health travesty. According to Rota, several of the scientifically-proven health effects of fluoride are already known. He asserts fluoride has been shown to: Accelerate the aging process Cause genetic damage Contribute to arthritis and joint pain Increase the incidence of cancer and tumor growth Interrupt DNA repair With respect to fluoride's presumed link to arthritis and joint pain, Connett stated: "The first sign fluoride has poisoned your bones is that you have pain in your joints, stiffness in your joints and pain in your bones … And the doctor will simply tell you that you have joint pain … We have millions of people in the U.S. and in other fluoridated countries who have joint pain —1 in 3 adults on average. But nobody's ever conclusively looked to see if these arthritis cases have particularly been caused by or exacerbated by fluoride. They just don't want to look." The spike in the number of cases of hypothyroidism in the U.S. has also been loosely linked to fluoride. FAN noted that studies investigating fluoride's impact on thyroid hormone levels support the belief that fluoride has an "antithyroid" effect under certain circumstances.7 Particularly in instances where your iodine levels are low, fluoride will likely have a greater negative impact on your thyroid. About the probable link between fluoride and hypothyroidism, Dr. Spyros Mezitis, endocrinologist at Lenox Hill Hospital in New York City, said: "Clinicians … should emphasize to patients this association and should test patients for underactive thyroid. Patients should probably be advised to drink less fluoridated water and consume less fluoridated products, including toothpaste. … [S]tudies have also shown that iodine deficiency, that may be caused by extra ingestion of fluoride, is related to hypothyroidism." Fluorosis: Are Your Children Affected? Research8 presented at the 2017 National Oral Health Conference highlighted the reality that increasingly more young people between the ages of 6 and 19 suffer from dental fluorosis. Data from 2011 to 2012 indicate that 57 percent of youth are affected by fluorosis, while according to recorded data, just 37 percent were impacted from 1999 to 2004. Fluorosis results when tooth enamel becomes progressively weakened and discolored. It is often characterized by white spots and yellow or brown discoloration. About fluorosis, FAN states:9 "Fluorosis is a defect of tooth enamel caused by too much fluoride intake during the first eight years of life. Although fluorosis can be cosmetically treated, the damage to the enamel is permanent. Common causes of fluorosis include: fluoridated drinking water (particularly during infancy), ingestion of fluoride toothpaste, use of fluoride tablets and consumption of processed foods made with fluoridated water." Often, dentists and public health officials brush off fluorosis as a purely aesthetic issue, one they believe is a worthy trade-off for the supposed benefits of fluoride. In reality, fluorosis is an outward sign that fluoride is damaging not only your teeth, but also most certainly, to some degree, the rest of your body. Caution: Fluoride Is Extremely Harmful for Infants Fluorosis is also a huge concern for infants because it is a condition that can progress well before your baby's teeth are visible. Instances of children developing fluorosis due to the consumption of fluoridated "nursery water" are well documented. Breast-feeding is the ideal choice for your baby for many reasons, one of which is that it contains very little, if any, fluoride. This is by design because infants are extremely vulnerable to neurotoxins. If, however, breast-feeding is not an option for you, and you must use formula, be sure to prepare it using non-fluoridated water. In the book, "The Case Against Fluoride," Connett explains: "In the view of many critics of fluoridation … it is reckless to expose infants to levels of fluoride in orders of magnitude higher than that found in breast milk. In the U.S., infants who are fed formula reconstituted with fluoridated tap water receive the highest levels of fluoride (per kilogram bodyweight) in the human population. Specifically, infants who are fed formula made with fluoridated water at the current level of 1 part-per-million fluoride will receive a dose up to 250 times more than the breastfed infant." The Bottom Line About Fluoride in Your Drinking Water In their closing remarks, some of the experts featured in the documentary did not mince words about their dislike and distrust of fluoridated water. As noted by Connett: "Once you put a medicine in the drinking water, you can't control the dose because you can't control how much water people drink. You can't control who gets it because it goes to everybody. If you ask your pharmacist if there's any drug in his store that is safe enough to give to everyone — young people, old people, sick people, well people — at any dose, he'd laugh at you." Said Phyllis Mullenix, Ph.D., a pharmacologist and toxicologist: "There is absolutely no drug on the market that is given as 'one dose fits all.'" In his earlier writings, Connett shared five reasons he believes fluoridation of community water systems is unethical:10 It violates your right to informed consent to medication The municipality cannot control the dose of fluoride you personally receive The municipality cannot track the effects of fluoride on you individually It ignores the fact that some people are more vulnerable to fluoride's toxic effects than others; you may suffer while others may benefit from its addition to the water supply It violates the Nuremberg code for human experimentation It's Easy to Safeguard Your Oral Health Without Fluoride When it comes to good oral hygiene and preventing cavities, drinking fluoridated water and brushing your teeth with toxic toothpaste, which contains fluoride, is definitely not the answer. Your toothbrush and natural fluoride-free toothpaste are important, but don't be misled by thinking they're the only options for dental health. Many natural substances, such as the foods you eat, also have the power to drastically improve not only the health of your teeth and gums, but the rest of your body too. The key to maintaining or improving your oral health hinges on the attention you give to your diet and proper dental care. Areas you may want to consider include: Eating raw, organic foods Avoiding sugary foods and processed foods, many of which contain fluoride Brushing and flossing your teeth daily, ideally twice a day Rinsing your mouth after meals and, at night, with a solution of baking soda and water to alkalize the pH in your mouth Oil pulling with coconut oil, which reduces bacterial growth in your mouth, strengthens your teeth, reduces inflammation in your gums and naturally whitens your teeth Receiving regular dental checkups, ideally from a mercury-free, biological dentist Landmark Lawsuit Against EPA Seeks to End Fluoridation in US FAN, along with a coalition of environmental and public health groups, has filed a complaint in the U.S. District Court for the Northern District of California against the Environmental Protection Agency (EPA). This landmark lawsuit is something many of us have anticipated for decades! It comes in response to the EPA's denial of a petition under Section 21 of the Toxic Substances Control Act (TSCA) that seeks a ban on water fluoridation. In November 2016, a coalition including FAN, American Academy of Environmental Medicine, Food & Water Watch, International Academy of Oral Medicine and Toxicology, Moms Against Fluoridation and the Organic Consumers Association, among others, petitioned the EPA to ban the deliberate addition of fluoridating chemicals to American drinking water under the provisions of TCSA. The petition, which included more than 2,500 pages of scientific documentation detailing the risks of water fluoridation to human and animal health, was denied in February 2017. At that time, Michael Connett, an attorney with FAN and author of the petition, issued the following statement: "Unfortunately, the EPA's decision to deny our petition demonstrates that the Agency is not yet prepared to let go of the outdated assumptions it has long held about fluoride … We believe that an impartial judge reviewing this evidence will agree that fluoridation poses an unreasonable risk." Because the TSCA statute provides an opportunity for citizens to challenge an EPA denial in federal court, FAN is now suing the agency as a means of obtaining an independent legal review of the evidence. Stay tuned for further developments! For now, you can help the coalition continue its momentum by supporting the efforts of FAN, and by joining or initiating a local campaign to end water fluoridation. >>>>> Click Here

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The Good, the Bad and Dentist in Newark Nj

Dentist in Newark Nj Fundamentals Explained

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Up in Arms About Dentist in Newark Nj?

For more details, and to learn which product is excellent for you, seek advice from your dentist in Newark. It doesn’t matter how you do so but you have to create this easy to execute and easy for the client to respond. This business buys all kind of truck tires from people. It is searching for junk tires sellers to build a long term relationship with. It buys junk tires as well as sells them. Not all insurance companies will pay for the procedure, but a lot of dentists provide payment plans so you don’t have to cover everything upfront.

All big insurances accepted. If you hoping to find an outstanding dental hygiene, tooth implant dentist or an expert to do restorative dental surgery, we’re here to serve you. Even when you just require routine dental hygiene or cosmetic procedures, it can be accomplished by a Saturday dentist Newark. For those who have children, you must make your house is child proofed because accidents can occur at your home as well. Your kid is at the middle of everything which you do. This calendar year, a homeless woman will pay a visit to the dentist for the very first time in several years, and as a consequence, possess the confidence to go on work interview.

from Emergency Dentist No Insurance – Find The Right Dental Care http://www.emergencydentistnoinsurance.com/the-good-the-bad-and-dentist-in-newark-nj/

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