For dental practice owners
You’ve built a successful practice. But are you making the most of what you’ve already built?
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A different perspective
The bigger picture
Your practice, property, investments, retirement and the life you want to lead. Whether you’re growing the practice, planning an exit or hoping to work less, who’s helping you see the whole picture?
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Sometimes the answer is to improve cash management.
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Sometimes it’s to question an investment or rethink a business decision.
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Sometimes it’s to consider whether an asset still deserves a place in your life.
A different perspective
Think of me as your personal wealth CFO. Someone who can look across your practice, property, investments and personal finances and connect the dots.
I’ll bring more than 25 years of experience across accounting, business management, property and investing to the conversation.
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
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.
We spend a day getting underneath the numbers and exploring the decisions you’re facing across your practice, investments, property and personal finances. I’ll bring my experience as an accountant, investor and business owner to help you consider possibilities you may not have explored before.
After our day, I build your Wealthview for you from what we’ve uncovered, so we can see your position clearly and test the choices in front of you.
Over the following 90 days, we’ll use three follow-up conversations to revisit the decisions that matter, test assumptions, explore alternatives and work through what you’ve discovered. You’ll also have reasonable email or message support for questions arising from our work together.
Your first year of The Wealth Picture is included: 12 months of Wealthview, the Wealth Playbook, the weekly Freedom Brief and an Annual Reset around month 11.
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.
Wealthview
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.
The big picture plan
How each year is paid for, from now to 95
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The money map
Where this year’s income goes before anything is invested
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Test different futures
See how decisions, market falls and the timing of retirement affect the money you can actually use.
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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 numbersClient experiences
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 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
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
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
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
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
I work with Salena to turn my dental income into passive income, so I can keep living the life I love, even in retirement.
Dr B YoungSalena has transformed my relationship with money and investing.
Dr J RobertsSalena imparts fantastic knowledge that the average person just doesn’t have access to in the street. If you have a business and lazy capital this is for you.
C BudgenAbout 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.
Questions
Anything else, bring it to the conversation.
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. It’s particularly useful if you’re thinking about selling or exiting your practice, or working less.
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. We can meet in Canberra, or I can come to you. If I travel, my travel and accommodation costs are agreed with you in advance and charged separately.
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.
Yes. Your partner is welcome to join our day together. Decisions about money and the future are usually shared ones.
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. In the Co-Pilot, I build it for you, and you keep access for the rest of your first year.
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.
Your Wealthview access, the Wealth Playbook and the weekly Freedom Brief continue for the rest of your first year, with an Annual Reset around month 11. After that, you can choose to continue with The Wealth Picture’s annual membership. If further one-to-one work would help, we can discuss it at the end of our 90 days. Ongoing work is by invitation, subject to availability and agreed separately.
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.