For dental practice owners

There’s more than one way to build wealth. Are you seeing all your options?

You’ve built a successful practice. But are you making the most of what you’ve already built?

Book a conversation Explore the 90-Day Co-Pilot

With Salena Kulkarni, Chartered Accountant and private investor

Salena Kulkarni in a green jacket, smiling, in front of a yellow mural

As seen in

The Sydney Morning Herald, Money and Finance Magazine, Inside Small Business, Dental Business Mastery, Savvy Dentist, realestate.com.au, Mamamia, Bite Magazine, Ticker, Compare Club, InfoChoice, FeedSpot, By Wanless, Morning Lazziness

A different perspective

What if there’s a better way?

A six-minute introduction to how I help dentists see more of their financial options.

The bigger picture

Who’s looking at how everything fits together?

Your practice, property, investments, super and the life you want to lead. Who’s helping you see the whole picture?

Your practice

Property

Investments

Super

The life you want

The whole picture

Sometimes the answer is to improve cash management.

Sometimes it’s to question an investment or rethink a business decision.

Sometimes it’s to consider whether an asset still deserves a place in your life.

Salena at a flipchart, mapping out how money moves between a business, its owners and their investments

A different perspective

Have you considered another way?

I’ll bring more than 25 years of experience across accounting, business management, property and investing to the conversation.

AccountingBusiness managementPropertyInvesting

Not to tell you which investments to buy or make decisions for you. But to help you question assumptions, recognise opportunities, understand trade-offs and make better use of the resources you’ve already built.

And sometimes the most useful thing is simply having someone independent enough to ask, “Have you considered another way?”

That’s the work I love doing.

Introducing the 90-Day Co-Pilot

A different perspective can change everything.

The 90-Day Co-Pilot is a private engagement where we take a fresh look at your financial world, explore possibilities you may not have considered and work through the decisions that matter most.

It begins with a full day together, followed by your personal Wealthview and 90 days of support.

This isn’t a course or a standardised coaching program. It’s an opportunity to work directly with me on the financial decisions that matter most to you.

One day together

I’ll come to you for a private, uninterrupted day to understand your financial world, challenge assumptions and explore possibilities you may not have considered.

Your Wealthview

A personal model developed after our day together to see your financial position and test different choices.

90 days of support

Three private follow-up conversations, relevant resources and flexible contact as questions arise.

Imagine knowing what’s possible.

More choices than you realised
A clearer picture of what your wealth could make possible.
Decisions you can stand behind
Understand the trade-offs before committing your time or capital.
Greater freedom on your terms
Explore what it would take to work less and enjoy more of what you’ve built.
A future you feel good about
Know what you’re working towards and whether you’re on track to have enough.

Book a conversation

Wealthview

Will you have enough to live the life you want?

Most people have a reasonable idea of what they own and what they owe. Far fewer understand how today’s financial decisions might affect their future.

That’s where Wealthview comes in.

We use it to explore different possibilities. What if you worked less? Retired earlier? Sold a property? Spent more on the things that matter to you?

We can also see what might happen if markets fall or life takes an unexpected turn.

It’s not about predicting the future. It’s about seeing how different choices could play out, so you can make decisions today with greater confidence.

Wealthview big picture plan screen showing a year-by-year chart of how living costs are funded

Wealthview money map screen showing income, tax, living costs and investment property cash flow

Wealthview market correction test with a chart of what the household owns at each age and when liquid money runs out

Screens show the Priya example, an illustrative household scenario with fictional figures. Not a forecast of investment performance or a recommendation.

See it with your own numbers

Client experiences

Sometimes the most valuable decision is the one you hadn’t considered.

A different perspective can change what you spend, what you keep, what you sell and how you use your time. Here are a few examples from my work with dental practice owners.

Capital decisions

A $450,000 expansion. A $150,000 solution.

A dentist was preparing to spend $450,000 fitting out another treatment room.

We questioned what really needed to be new and what could be reused.

The result? The planned expansion was completed for $150,000, keeping $300,000 available for other priorities.

Profitability and time

The contract that looked profitable. Until we examined it.

A government dental services contract appeared to be a lucrative part of a practice owner’s business.

A closer look revealed it was actually losing money and consuming considerable time.

The decision to exit helped return the wider practice portfolio to significant profitability, while giving the owner back valuable time.

Assets and retirement

The property that almost went with the practice.

A dentist selling multiple practices planned to include the real estate.

But one property was an exceptionally strong performer. We looked at what retaining it could mean for the years ahead.

The property stayed, materially improving the owner’s retirement position.

Partnership exit

The partnership exit that seemed impossible.

A practice owner was struggling to negotiate an exit with a combative business partner.

We explored other ways forward rather than relying on the same difficult negotiation.

In the end, the owner exited the partnership and received fair value for that interest.

Practice sale

The practice sale with more than one way forward.

A practice owner wanted to sell but was unsure whether to approach an associate or an outside buyer.

We developed a strategy to make the opportunity attractive to the associate first, with a credible alternative if that didn’t work out.

The owner had a clearer path to approach both possibilities without relying on a single buyer.

In their words

What clients say about working together.

About Salena

Meet Salena.

You don’t need another adviser looking at one piece of the puzzle. You need someone who can help you see the connections.

I’m Salena Kulkarni, a Chartered Accountant, property investment adviser and private investor with decades of experience across business, finance and investing.

My background means I can look at a financial problem from several angles, not just one. I bring that experience, curiosity and an extensive professional network to every client relationship.

I won’t always have the answer. But I’ll help you ask better questions, explore alternatives and recognise when specialist expertise is needed.

I’m not here to sell you an investment. I’m here to help you become a better steward of the wealth you’ve worked so hard to build.

Salena Kulkarni at an outdoor café table with a coffee, smiling

Questions

Worth asking before we talk.

Anything else, bring it to the conversation.

Who is the Co-Pilot designed for?

Dental practice owners who want a clearer view of their financial world and a fresh perspective on what they could do differently. It often suits people with several advisers each looking after one part of their finances, and no one looking at how it all fits together.

Where do we meet?

I’ll come to you. We start with a full, uninterrupted day together, away from the day-to-day of the practice, so it’s easier to step back and look at your business, your money and the future you’re working towards.

What financial information will I need?

Before we meet, I’ll review your financial information and learn about the questions that have been occupying your attention. I’ll let you know what to gather and how to share it securely. It doesn’t need to be perfectly organised.

Can my partner participate?

Yes. Your partner is welcome to join our day together. Decisions about money and the future are usually shared ones.

What is Wealthview?

Wealthview is a financial model I build using the information we’ve gathered. It brings the major parts of your financial world into one place and allows us to examine different scenarios, including how changes to work, spending, debt or other financial assumptions may affect your future. It shows scenarios, not predictions.

Is this financial advice?

The Co-Pilot isn’t a personal financial product advice service. I don’t recommend specific financial products or tell you what investments to buy or sell.

My role is to help you see the bigger picture, explore different scenarios and make more informed financial decisions. Where specialist advice is needed, I can help you identify the right questions to ask.

What might you see differently?

Start with a conversation. We’ll talk about where you are, what you’re weighing up and whether the Co-Pilot is the right fit.

Book a conversation