Specialty Spotlights — Orthopedics, Anesthesia, Dentistry, Dermatology, Cardiology
Which specialties get the most from CB + 401(k)? Here’s how we design for Orthopedics, Anesthesia, Dentistry, Dermatology, and Cardiology—plus FAQs we answer every week.
Orthopedics — Fit & Design Patterns
High procedure income with partner age dispersion makes CB + 401(k) compelling.
Design: CB age tiers for partners; 401(k) safe harbor + cross‑tested profit sharing; set contribution ranges for strong vs. lean years.
FAQ: Can we fund more in peak years? Yes—within permitted ranges and testing windows.
Anesthesia — Variability without Chaos
Income can be strong but schedules vary; keep funding flexible.
Design: fixed or Treasury‑based interest credit; CB ranges; 401(k) safe harbor nonelective for CRNAs/staff to keep testing clean.
FAQ: What if volumes dip? Use ranges/timing within allowed windows.
Dentistry — Owner‑Centric, Small Teams
Revenue is often owner‑centric with compact teams—great for steady CB funding.
Design: stable CB + 401(k) safe harbor; profit sharing tailored to tenure.
FAQ: Can associates be excluded? Only if coverage/testing still pass—design first.
Dermatology — Growth & Pre‑Sale
Strong margins and frequent pre‑sale interest.
Design: CB + 401(k) with a pre‑sale optimization playbook (12–24 months).
FAQ: Selling next year? Consider a freeze or negotiated keep/convert terms.
Cardiology — Subspecialties & Ages
Comp varies by subspecialty with diverse ages.
Design: CB classes by age; 401(k) safe harbor + cross‑tested PS.
FAQ: Is a market‑return credit better? It can be—if designed and invested appropriately.
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