Maximize your plan benefits
Retirement planning starts with the right fit for your practice. We’ll help you understand your options—from 401(k)s to Cash Balance Plans, while offering expert support, less admin stress, and a plan that grows with you.
Find a plan that
works for you
The first step in the process is to select which type of plan you and your practice need. No two dental practices are the same, and no two retirement plans are the same, either.
401(k) Plans
- Ideal for businesses of any size
- Employee contributions up to $23,500 + $7,500 catch-up if age 50+*
- Optional match/profit-sharing up to $70,000 for employer contributions*
- Total contribution limit up to $70,000*
- Employer-defined vesting schedule
*2025 limits
Solo 401(k) Plans
- Ideal for self-employed businesses with no employees
- Employee contributions up to $23,500 + $7,500 catch-up if age 50+
- Employer contributions include optional match and profit-sharing up to $70,000
- Total contribution limit to up $70,000 ($77,500 w/ catch-up)
Cash Balance Plans
- Ideal for high-income owners wanting large tax deferrals
- Employer-funded
- A Cash Balance Plan is normally paired with a 401(k) Plan to maximize tax deferred contributions for the business owner
- Total contribution limit varies with age—potentially $100k–$300k
The Dentists’ Guild advantage
Whether you’re a practice owner looking to establish a retirement plan for your team or an associate dentist focused on growing your personal nest egg, our expertly managed solutions provide the security and support you need. With exclusive benefits tailored to the unique financial needs of dental professionals, The Dentists’ Guild makes it easier than ever to invest in your future.
Fiduciary responsibility
Our ERISA-designated 3(38) and 3(16) fiduciaries accept liability, reducing your administrative burden.
Comprehensive plan management
Our service team will handle all compliance testing, all required annual government filings, and investment oversight.
Your retirement goals
Growth and expansion
If planning to grow your practice and hire staff, a well designed and resource-rich retirement plan can be an attractive benefit for recruitment and retention.
Maximizing tax-deferred savings
If you’re seeking to contribute more than the limits that apply to a 401(k) Plan, a Cash Balance Plan offers the highest tax-deductible contribution limits.
Simplified savings
If you’re seeking a turn-key solution with minimal employer involvement, a SEP or SIMPLE IRA may be appropriate.
Ready to enhance your retirement plan?