The Dentalpreneur Podcast w/ Dr. Mark Costes 2466: The Family Office Model for Dentists and Physicians
Mar 16, 2026
Erik Brenner, CFP, founding partner/CEO of Hilltop Wealth and Tax Solutions and author of The Personal CFO Revolution, explains how to build a Personal CFO framework for high earners. He breaks down integrated tax mitigation versus mere deferral. Topics include coordinated planning for clinicians, opportunity zones, leveraged deductions, solar and oil & gas strategies, and planning for practice-sale windfalls.
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Choose A True Fiduciary Advisor
- Work with a true fiduciary who isn't motivated by selling products so advice isn't biased toward commissions.
- Erik warns hybrid advisors may appear fiduciary but still steer clients into products that pay commissions.
Mitigation Beats Mere Deferral
- Tax planning isn't just deferral; true mitigation reduces taxes you never have to pay rather than merely postponing them.
- Brenner emphasizes proactive mitigation strategies because deferral creates future tax bombs from required distributions.
Layer Tax Strategies With Projections
- Use layered tax strategies (oil and gas, solar credits, leveraged deductions, opportunity zones) and run tax projections before committing.
- Erik recommends year‑by‑year tax projections to decide which combinations and timing make sense for your bracket.
