** Build Your Financial Game Plan with Twinleaf Financial ** ⁠⁠⁠https://www.twinleafadv.com/

What does it really look like to go from dental associate to practice owner?

In this episode of The Dental Download Podcast, Dr. Haley sits down with one of her practice owners, Dr. Kris Bano to break down his journey from new grad to 50/50 dental practice partner. He shares exact steps he took to evaluate a buy-in, structure a partnership agreement, secure dental practice financing, and grow a multi-million dollar office.

You'll learn:

• How to transition from associate to partner in a dental practice

• How to evaluate a dental practice buy-in opportunity

• Dental practice valuation and buy-in pricing models (1x collections, equity splits, production considerations)

• Structuring a true 50/50 dental partnership

• Negotiating compensation, equity, and ownership terms

• Working with dental lawyers, accountants, and banks

• Managing student loans while taking on a practice loan

• Financial stress, payroll, overhead, and cash flow as a new owner

• Growing a dental office from $2M to $5M+ in collections

• The role of marketing, systems, and team culture in practice growth

• Why most partnerships fail — and how to make yours succeed

• Mindset shifts from associate to owner

Dr. Bano shares real numbers, real negotiations, and real lessons learned during his first full year of ownership — including what surprised him most, what didn’t change at all, and how ownership impacted his lifestyle and long-term vision.

We also dive into dental marketing strategy, implant and cosmetic case growth, coaching for dentists, and how building strong systems and leadership inside your office matters more than just clinical skill.

If you're a:

• Dental associate considering a buy-in

• New grad wondering if ownership is worth it

• Dentist overwhelmed by student loans

• Practice owner exploring partnerships

• Entrepreneurial dentist wanting to grow your practice

This episode gives you a transparent look at the business side of dentistry. 🎧 Listen now to learn how to evaluate a dental partnership opportunity, reduce risk, and build a practice aligned with your long-term vision.

Dr. Bano's TikTok: ⁠https://www.tiktok.com/@drkrisbano?lang=en⁠

Dr. Bano's clinical IG: ⁠https://www.instagram.com/kbdentistry/⁠

Engage with the podcast on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Podcast TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠⁠

Haley's Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dr.haley.dds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Haley's TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dr.haley.dds?lang=en⁠⁠⁠⁠⁠

Listen in before you sign that associate contract. Choosing your first associate dentist job can make or break your early career — and most new grads have no idea how to properly evaluate a dental practice.

In this episode of The Dental Download Podcast, Dr. Haley walks you through exactly how she ranked the dental offices she personally considered working at as an associate dentist. She breaks down the real pros and cons list and shares the specific criteria she used to compare each opportunity.

• How to evaluate office culture and “feel” during a working interview
• Associate dentist compensation models (daily guarantee vs. percentage of production/collections)
• CE budget and continuing education support
• How to assess the practice owner and leadership style
• Mentorship opportunities for new dentists
• Long-term growth potential and partnership pathways
• Red flags to watch for in associate contracts

If you’re a dental student, D4, GPR/AEGD resident, or early-career dentist trying to decide between multiple job offers, this episode will help you confidently compare dental associate positions and choose the right dental practice for your career goals.

Your first associate job isn’t just about salary. The best office for YOU will be about mentorship, clinical growth, autonomy, and long-term opportunity.

Engage with the podcast on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Podcast TikTok: ⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠

Haley's Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dr.haley.dds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Haley's TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dr.haley.dds?lang=en⁠⁠⁠⁠⁠

Dr. Kris Bano is less than five years out of dental school — and already a partner at Centreville Family Dentistry.

In this episode, we break down how he went from new grad at the University of Michigan School of Dentistry to rapidly growing his clinical skills in implants, cosmetic dentistry, endodontics, and full-arch cases — all inside a rural private practice.

If you’re a young dentist wondering how to:

• Choose the right first job (private practice vs. DSO)• Find real mentorship• Grow beyond bread-and-butter dentistry• Increase treatment acceptance• Build skills faster in your first 5 years

This episode gives you the mindset shifts and practical strategies to accelerate your career.

We also talk honestly about rural dentistry, ownership opportunities, and why communication skills may matter more than clinical skill early on.

Part 2 will dive into the partnership journey.

Dr. Bano's TikTok: https://www.tiktok.com/@drkrisbano?lang=en

Dr. Bano's clinical IG: https://www.instagram.com/kbdentistry/

Engage with the podcast on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Podcast TikTok: ⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠

Haley's Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dr.haley.dds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Haley's TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dr.haley.dds?lang=en⁠⁠⁠⁠⁠

** Build Your Financial Game Plan with Twinleaf Financial ** ⁠⁠https://www.twinleafadv.com/⁠

Physician Home Loans for Dentists: Building vs Buying, Hidden Costs & Smart Budgeting

Thinking about buying or building a home as a dentist? In this episode of The Dental Download Podcast, Dr. Haley breaks down physician home loans (also known as dentist mortgages) and explains how these specialized financing options can make homeownership more accessible for medical professionals.

We dive into eligibility requirements, 0% down payment options, interest rates, and how physician loans compare to traditional mortgages. Haley also shares real-life insights from the custom home building process—including unexpected costs, budgeting surprises, and lessons learned when navigating construction loans.

Whether you’re deciding between building a custom home or buying an existing one, this episode walks through the financial implications, hidden expenses to plan for, and how to avoid overextending yourself. From credit score considerations to long-term financial planning, this episode is a must-listen for dentists and healthcare professionals looking to make informed, confident home-buying decisions.

In this episode, you’ll learn:

• What physician home loans are and who qualifies (yes, dentists included)

• How 0% down payment options work—and when they make sense

• Interest rates and key differences between physician loans and conventional mortgages

• The true cost of building a custom home vs buying

• Common hidden expenses during construction and how to budget for them

• How much of your income you should realistically spend on housing

• Why long-term financial goals matter when choosing a loan amount

Perfect for dentists, residents, and healthcare professionals navigating mortgages, construction loans, and smart financial planning.

Engage with the podcast on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Podcast TikTok: ⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dentaldownloadpodcast⁠⁠⁠⁠⁠⁠

Haley's Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dr.haley.dds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Haley's TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dr.haley.dds?lang=en⁠⁠⁠⁠⁠

Is stretching really the answer to dental pain? 👀In this episode of The Dental Download Podcast, host Dr. Haley sits down with physical therapist John Besharse to challenge everything dental professionals have been told about pain, posture, and prevention.

** Build Your Financial Game Plan with Twinleaf Financial ** ⁠https://www.twinleafadv.com/

In this episode of The Dental Download Podcast, host Dr. Haley Schultz shares her 2026 goals and how she’s intentionally aligning her personal life and dental career as she prepares for the next season—starting a family. Haley dives into the importance of creating synergy between health, finances, and professional growth, especially for dentists and healthcare professionals navigating big life transitions.

She breaks down her approach to health and wellness, including intentional movement and sustainable habits, and explains how these routines support both longevity in dentistry and life outside the operatory. Haley also opens up about financial planning for dentists, covering savings goals, preparing for family-related expenses, and cultivating a healthy money mindset that reduces stress and supports long-term stability.

Whether you’re a dentist planning for parenthood, reevaluating your financial goals, or looking to build a more balanced and intentional life in 2026, this episode offers practical insights, relatable reflections, and actionable strategies you can apply right away.

Key topics covered:

• 2026 goal setting for dentists

• Balancing personal and professional life in dentistry

• Health and wellness habits for long-term success

• Financial planning and savings strategies

• Building a positive money mindset

• Preparing for parenthood as a dental professional

🎧 Tune in for an honest, motivating conversation about designing a life—and career—that truly works for you.

Engage with the podcast on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Podcast TikTok: ⁠⁠⁠⁠⁠https://www.tiktok.com/@dentaldownloadpodcast⁠⁠⁠⁠⁠

Haley's Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dr.haley.dds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Haley's TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dr.haley.dds?lang=en⁠⁠⁠⁠⁠

What REALLY Makes a Dental Practice Thrive? 26 Years of Hard-Earned Wisdom with Dr. Tarun Agarwal

What happens when you stop creating a job and start building a business? 👀
This week on The Dental Download Podcast, we’re sitting down with Dr. Tarun Agarwal, a seasoned dentist with 26 years of experience, to unpack what it truly takes to build a sustainable, fulfilling dental career — especially for new and early-career dentists.

Dr. Agarwal walks us through the evolution of his practice, from solo practitioner to a thriving multi-doctor model, sharing the lessons he wishes every associate dentist knew before signing their first contract. We dive deep into mentorship, associate expectations, and why clarity, humility, and hunger for growth matter more than talent alone.

We also talk about the critical role of continuing education (CE) and why the first five years of your career are the most important. From disciplined skill-building and intentional scheduling to leadership, trust, and team culture — this episode is packed with wisdom you can apply immediately.

If you’re a dental student, new associate, or practice owner, this is a must-listen conversation that may completely shift how you think about your career trajectory.

✨ Big-picture advice. Real talk. Zero fluff.

Episode Highlights

• Why “creating a job” vs. “building a business” changes everything

• What practice owners really look for when hiring associates

• How mentorship and CE shape long-term success in dentistry

• Why your calendar predicts your future more than your GPA

• Building trust and leadership within your dental team

Keywordsdental practice, mentorship, continuing education, associate dentists, dental technology, practice management, dental implants, career advice, dental training, leadership skills, business owner, dental practice owner, dental entrepreneurship

** Build Your Financial Game Plan with Twinleaf Financial ** https://www.twinleafadv.com/

Engage with the podcast on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Podcast TikTok: ⁠⁠⁠⁠⁠https://www.tiktok.com/@dentaldownloadpodcast⁠⁠⁠⁠⁠

Haley's Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dr.haley.dds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Haley's TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dr.haley.dds?lang=en⁠⁠⁠⁠⁠

As we head into 2026, this episode of The Dental Download is all about setting intentional, specific clinical goals that elevate patient care, communication, and long-term fulfillment in practice. I’m walking through how reflection and motivation lay the foundation for meaningful goal setting. And, why clinical growth doesn’t happen by staying in your comfort zone.

We dive into what excellence truly looks like in the operatory, including building confidence in treatment recommendations, creating appropriate urgency for patients, and strengthening communication skills to improve case acceptance and outcomes. I also share how mentorship, openness, and continual learning play a critical role in becoming the kind of clinician patients trust and teams respect.

This conversation goes beyond numbers to focus on delivering high-quality dentistry with intention—breaking down big clinical goals into actionable steps and aligning them with personal values, wellness, and purpose. If you’re a dentist looking to refine your clinical approach and step into 2026 with clarity and confidence, this episode is for you.

Engage with the podcast on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dentaldownloadpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Podcast TikTok: ⁠⁠⁠⁠https://www.tiktok.com/@dentaldownloadpodcast⁠⁠⁠⁠

Haley's Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dr.haley.dds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Haley's TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@dr.haley.dds?lang=en⁠⁠⁠⁠⁠