Doctors Dentists
Need their IRS and Revenue Canada Friends

Mortgage Freedom for doctors and dentists has special challenges and opportunities. Keeping your money away from the IRS and Revenue Canada is the key to faster mortgage freedom for you, if you know how.

As business owners, these professionals generally work and play harder. You aim for the top always. Home is indeed the castle. It must be classy, comfortable, costly, as befitting the top echelons of society. The Doctor's Home Prices are higher. Dentists� Mortgages are bigger. Business expenses are higher since you must pay employees and assistants, equipment, mortgages, leases and office rents. Higher incomes compensate. As a result, taxes too are usually higher. So you must protect yourself from tax collectors at Revenue Canada and the IRS.

Your business itself can carry heavy financing because medical and dental equipment are costly. Besides, the purchase of the dentists� business or the doctors� practice could have been financed with big money numbers. Then there are student loans that do not go away. Fortunately, the cash incomes are expected to be quite large. On top of all of this comes the biggest exposure�. Legal liability and the fear of lawsuits.

Many of these challenges and opportunities for mortgage freedom to business owners also apply. In addition, we would usually incur a substantial business debt to finance an equipped medical or dental office. A good mortgage freedom system for doctors, MD�s and dentists, DDS�s will focus on keeping the money away from the IRS and Revenue Canada, all of those other filters so it remains protected, for use by you the practicing doctor or dentist or other professional and your trusted family members.

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Optimizing the Dentist's Cash Flow:
Optimizing the Doctor's Cash Flow:

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Research some more on the benefits to you from Smart Mortgage Eraly Repayment and how to take back the huge Profits hidden in your Mortgage. You now give these Excess Profits .... A Quarter of a Million Dollars -perhaps more - as a free gift to Corporate Profits.
That's a Dentist's Salary for a Year.... Maybe TWO YEARS!! That's TWO YEARS OF INCOME FOR A GENERAL PRACTITIONER Yopu are giving tghis away!

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Cash Flow for MD and DDS

The fact that Cash Flow numbers are bigger, for Dentists and Doctors offers better opportunities to pay down the mortgage on the home faster. Annual Incomes for family doctors in Canadian major cities range from $100,000.00 to $300,000.00 where the major income source is guaranteed government billing. For a Specialist, doctor and or a dentists that income ranges from $200,000.00 to $500,000.00 and above in some cases. The business of Dentistry is closer to a regular business with fewer government billings, not unlike those of medical practitioners in the United States where the health care system is not publicly funded. The HMO is not unlike the smaller hospitals, Clinics or Diagnostic Centers of Canada except they operate like a self financing business entity.

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The real estate itself gives a firm foundation for the Doctors� wealth. Paying the office rent has to change to paying a commercial mortgage. The numbers are basically the same. The tax deduction is a given. The big difference lies in the business acumen of the Doctor or Dentist in becoming an owner of the commercial real estate where your office is lodged. Take a piece of the ownership action if ever that option is available to you. The pay off comes years later, when the property appreciates in value. Instead of 10 years of tax deductions for office rent, for example, you get a smaller interest deduction of 10 years of payments on your own mortgage. But the appreciation in the value of the property more than compensates. This appreciation often reaches in the hundreds of thousands, if not into the millions. The IRS taxation of capital gains is more progressive than that of Revenue Canada.

That appreciation relates to the office. What of your Home? Your Castle? Here is the answer. You want to take care of home business first. Pay the mortgage on the home first so savings can multiply. Use your larger cash flows, operating expense moneys as well as cash income can be used to pay down the home mortgage. As owners of medical and dental facilities of Canada, especially, you have the option to pump more funds into paying down your home mortgage earlier. Doing so could have a tremendous impact on the taxes you would save. Your accountant should guide you in a clean mix of business expenses and paying down the home mortgage. Our coaching program at Consumrs Credoit Solutions covers this topic very well. In most cases, Accountants and Management companies may control more of the daily business activities so that you, the Doctor, you the Dentist you the busy health professional, may not be involved too intimately in the business affairs. This is your business�your life. You must move the accountant with old-fashioned ideas out of your way! A good accountant will also advise you how this is done.

Many Accountants have not studied SMIP , the Smart Mortgage Investment and mortgage repayment plan. As professionals, they may not be keen to try out something new. Your Mortgage Freedom could be sacrificed for this reason. It is important that the business owner pay attention here. You cannot afford to leave these important decisions to your Accountants alone. It would take family members with a direct interest to seek out such creative mortgage strategies to apply them to benefit your family. The savings here are huge. You should pay attention.

Refinancing the home to provide the start up capital, even the operating expenses follows traditional accounting advice Doctors, to Doctors whio seek advice in financing medical and dental practices. This is how they buy into partnerships in the USA and Canada generally. Once started, business activities are separated from the home mortgage. Unfortunately, such traditional ways of financing could be improved to provide tremendous benefits to the overall family fortunes. Our strategies will help to lower annual and long term taxes quite quickly as well as to create the wealth for your needs and wants as High Achievers. Here are some key Smart Mortgage Principles for Dentists and Doctors:-- �Pay business expenses with loans from the home equity
�Use the high income cash flows to pay down the mortgage principal super fast
�Purchase an Insured Investment for efficient savings and tax planning
Use Insurance Investments for Creditor proofing in case of lawsuits and legal liability.

Details of these sound financial planning approaches can be found in separate pages on this site. Go to Insurance Investing to learn the benefits of a huge Insured Investment Policy. In this case, insured amounts in the millions of dollars would not be outrageous. Just remember that the purpose of these funds is to take care of you and loved ones while alive. Not dead ! This is a radically different approach to insurance.

Insurance Investments add value for Doctors

An Insured Investment is the safest and cheapest insurance a doctor, a dentist, or any medical professional could ever afford. This is insurance to protect your wealth from all predators. You could safely purchase a $5,000.000.00 Policy at the lowest cost. On this Insured platform, you would park your investments for safety, for tax free growth, to spend in retirement and to pass on to your loved ones tax free. Clients can now sue for malpractice. But the judges have not normally collapsed Insured investments to pay for deficiency judgments. Click on the Insured Investment link below. Read the benefits of the insured Investment again. For Doctors Dentists and high achieving Professionals, a Policy of this magnitude is the key ingredient that would allow large living expenses from the fund.

Section 148 of the Canadian Income Tax Act, for example, would allow the invested funds to grow tax free. When your funds are lodged in the Insured Investment Account, you could customize that plan so you could spend from these dollars. We could show how you how to set up such an account. The large face amount is a key element of this policy since it can help to finance your lifestyle. We could capitalize any interest accrued, so monthly payments would not be necessary. The Insured Retirement is very flexible to allow many beneficial finance solutions using very large sums money held for you the Client, for any of your family�s needs including living expenses during retirement years. With this sum, you could pay yourself an income without taxes. You could pass the money to beneficiaries, no taxes in Canada, but inheritance taxes in the US of A.

The diverse features of this Insured Account are flexible and valuable to anyone who is serious about amassing large sums of wealth. You cannot afford to ignore these great benefits for reasons like you had never heard of it. Insured Investments are the last great tax loophole legislators have reserved so High Achievers, like you, could reward themselves and their loved ones.

Doctors Dentists Need their IRS and Revenue Canada Friends