Education first
An advisor's job is to teach you how these things work, so you can make decisions that fit your own values and goals. We explain the options before we recommend any of them.
About CFS Dental Division
Built around the dental career , start to finish.
From dental school and residency to associateship, ownership, and selling a practice, we build an individualized plan around your current and future goals, and connect you with specialists who know the dental profession.
We don't believe in a one-size-fits-all approach or in blanket advising.
- 4.9 Google rating from 121 reviews
- 40 states and territories with an assigned advisor
- 18 people focused only on dentistry
- 2 offices on the Jersey Shore
How we advise
Simplifying the hurdles every dental career runs into
Loans, contracts, coverage, and practice decisions can feel overwhelming. Our focus is education, so each one makes sense before you commit to it.
No blanket advice
A dental student, a new associate, and a practice owner face very different risks. Your plan is built for your stage, your state, and where you want to be next.
A network that knows dentistry
We connect clients with financial planners, attorneys, consultants, and lenders who work with dental professionals and understand the profession's details.
Every stage of a dental career
Built for every stage, not just one
Pick your stage to see what usually comes up and how we help.
Stage 01 · Dental school
Building the foundation
Clinical rotations often require proof of malpractice coverage, and loan decisions made now shape repayment for years. Disability coverage is generally priced on age and health, so many students start early.
Talk to an advisor about this stage What usually comes up
- Malpractice coverage for clinic
- A plan for your student loans
- Disability coverage while you are young and healthy
Stage 02 · Residency
Getting through the transition
Residency brings a real income but tight budgets. It is a good time to choose a loan repayment path, review any coverage your program provides, and protect your future earnings.
Talk to an advisor about this stage What usually comes up
- Choosing a repayment or forgiveness path
- Reviewing program-provided coverage
- Disability and life coverage before practice
Stage 03 · Associate
Reading the fine print
Your first contract sets your pay, your non-compete, and often who pays for malpractice and tail coverage. Employer coverage usually protects the practice first, so it helps to know where you stand.
Talk to an advisor about this stage What usually comes up
- A contract review before you sign
- Your own malpractice vs the employer's
- Disability coverage that follows you between jobs
Stage 04 · Practice owner
Protecting the practice
Owning a practice adds property, staff, patient data, and overhead to protect. Coverage needs grow beyond your own license to the whole business.
Talk to an advisor about this stage What usually comes up
- Business owners policy and workers comp
- Cyber coverage for patient records
- Overhead coverage if you can't work
- Health benefits for you and your team
Stage 05 · Buying or selling
Planning the big move
Buying, starting, or selling a practice involves lenders, attorneys, consultants, and coverage changes at the same time. We bring that team together so the pieces line up.
Talk to an advisor about this stage What usually comes up
- Financing the purchase
- Legal review of the deal
- Consultants who know dental practices
- Coverage changes and tail at the handoff
Our network
One advisor, a whole team of dental specialists
Your advisor coordinates coverage and brings in partners who work with dental professionals, so you aren't managing every relationship on your own.
Questions
Frequently asked questions
Straight answers about how we work with dental professionals, from school through practice ownership.
Talk to an advisorWhat does CFS Dental Division do?
We provide insurance and financial guidance built only for dental professionals: malpractice, disability, and life insurance, coverage for the practice itself, and student loan planning. Through our partner network we also connect clients with financial planners, attorneys, consultants, and lenders who work with dentists.
Who do you work with?
Dental students, residents, associates, practice owners, and dentists who are buying, starting, or selling a practice. Your plan is built around where you are now and where you want to go next.
What types of malpractice insurance coverage do you offer?
We provide malpractice insurance designed for dental professionals, including coverage for students, new graduates, and established practitioners. These policies protect against professional liability claims and help safeguard your career.
Is malpractice insurance required for dental students and professionals?
Requirements vary by state and employer, but malpractice insurance is strongly recommended. Many dental schools and employers require proof of coverage before clinical work begins.
How can you help with student loans?
We build a personalized strategy for your dental school loans, including repayment options, refinancing opportunities, and budgeting, so you can reduce financial stress during and after school.
Do you only work with dentists in New Jersey?
No. Our offices are in Ocean City and Seaville, New Jersey, and our regional advisors are each assigned specific states across the country, so you are matched with someone who knows where you practice.
How do I get started?
Contact our team to schedule a consultation. We start by reviewing the coverage and goals you already have, then guide you through choosing coverage and building a plan for your situation.
Protect your future. Build toward financial independence.
Whatever stage you're at, a short first call is the easiest place to start. Your advisor will review what you already have before recommending anything.
From 121 reviews
