Who we serve Optometrists

Financial planning for optometrists.

Whether you’re an associate, considering buying a practice or already own one, your financial decisions are tied to your career path. We help you plan for each stage.

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Is this you?

You’re an optometrist weighing employment, associateship or practice ownership, and want clear guidance for the decisions ahead.

Decisions we help you make

Every plan is built around your situation. These are the questions we work through most often.

Student loans

Choosing between repayment, forgiveness and refinancing as your income grows.

Buying or starting a practice

Weighing the costs, financing and personal cash flow impact before you commit.

Practice owner retirement plans

Setting up a plan for yourself and your staff that fits the practice.

Tax planning

Coordinating business and personal taxes with your CPA.

Protecting your income

Reviewing disability, life and liability insurance.

Planning your exit

Preparing for an eventual practice sale or transition.

A situation we often see

Every client is different. This hypothetical example shows how we might approach a common situation.

This case study is hypothetical and for illustrative purposes only. It is a composite based on situations we commonly see and does not represent any specific client. Your results will depend on your own circumstances. It is not a guarantee of future results or a recommendation for any individual.

Deciding whether to buy the practice

The situation: An associate optometrist offered the chance to buy the practice from a retiring owner.
What we did: We reviewed the valuation and financing terms with her CPA, modeled personal cash flow under ownership and planned a retirement plan for herself and her staff.
The outcome: A confident decision on the purchase, backed by a realistic view of take-home pay in the first five years.

Common questions

General information to help you think through your situation. Your plan will depend on your own circumstances.

Should I buy a practice or stay an associate?

Ownership can raise your long-term income and build equity, but it adds debt, management work and risk. We model your take-home pay under both paths so you can compare them side by side.

How do I evaluate a practice purchase?

Review the valuation, patient base, payer mix, equipment, lease and financing terms with your CPA and attorney. We focus on how the purchase affects your personal cash flow, loan payments and savings goals.

What retirement plan should my practice offer?

Common options are a SIMPLE IRA, a 401(k) with safe harbor matching or a 401(k) with profit sharing. The right plan balances your own savings goals with the cost of contributions for your staff.

Getting started

Your first meeting is free, with no obligation. If you have them handy, it helps to bring: your student loan details, recent tax returns, a pay stub or practice financials and statements for your retirement accounts. Nothing is required for the first conversation.

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