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For associate dentists, specialists and dental practice owners
Reviewed by Panbo Ye, CFP®, FCPA Last reviewed
We help associate dentists and dental specialists understand their agreement, manage tax and invest with purpose, with accounting, tax and financial planning under one roof.
Your first meeting is at no cost, with no obligation · English or Mandarin
At a glance
| Your first meeting | Free, no obligation. Bring a recent payslip, agreement or report and your last return. We confirm scope and fees in writing before any work starts. |
|---|---|
| What’s included | Tax returns and tax planning, a review of your associate agreement and collections statements, GST and equipment advice, and super and insurance advice from our financial planners. |
| Who you’ll work with | A client manager as your single contact, a senior tax manager reviewing your work, and me, Panbo Ye (CFP®, FCPA), leading advice. |
| Fees | Personal tax return with a financial wellbeing check $330; sole-trader schedule from $550; tax planning from $1,500 (+GST). See all fees |
Associate agreements
Associates are commonly paid a percentage of collections, often around 40%, with laboratory fees shared. Two contracts with the same headline percentage can pay very differently. These are the definitions we check.
Is it money received, or fees charged? Are health fund rebates, payment-plan fees and card surcharges deducted first?
How are lab fees split, and are implant components, aligners or premium materials treated as lab costs? Small definitions move big dollars.
Health fund preferred-provider schedules reduce the fee per item. Your percentage applies to the reduced fee, so the patient mix matters.
Who pays when treatment has to be redone? Clauses that make you redo work for free, or claw back payments, need a cap.
When a patient does not pay, is your share reversed? How far back can the practice go?
The GP payroll tax relief schemes do not extend to dentists. Queensland’s dentist amnesty closed on 30 June 2025, so practices are looking hard at associate arrangements, and some of that cost may be pushed into your percentage.
Things dentists should know
Dental treatment is generally GST-free, but services not generally accepted as necessary, such as purely cosmetic whitening, and products you sell can be taxable. Mixed practices need clean coding. Chairs, scanners, CBCT and milling units are major purchases. Depreciation, the small business instant asset write-off where available, and timing around 30 June all change the after-tax cost.
The Child Dental Benefits Schedule, DVA and fund arrangements each have their own rules and payment timing, and each shows up differently in your collections.
Tax and wealth
As an associate you usually earn personal services income, so a company or trust rarely helps on its own. When you own a practice, structure becomes one of your biggest decisions.
Contractors fund their own super. We plan contributions, carry-forward amounts and Division 293 around your income.
A dentist’s income depends on fine motor skills. Income protection with the right occupation definition matters. Income protection →
Dental4Windows (D4W), EXACT, Core Practice, Praktika, Dentally, Oasis, HICAPS, Tyro Health, Xero / MYOB.
How it works
Book online
Bring your agreement and a recent collections statement, and I’ll tell you plainly what the numbers say. In English or Mandarin, in Chatswood or online. Prefer to talk first? Call 1300 913 929 or 0405 913 913.
Calendar not showing? Open the booking calendar in a new tab → or call 1300 913 929.
Reviewed for accuracy
Panbo Ye, CFP®, FCPA, SMSF Specialist Adviser™ and registered tax agent; founder of Everglow.
Last reviewed:
Rules, rates and thresholds change. Check the source, or talk to us, before acting. This page is general information, not personal advice.
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General information only. This page is general in nature and does not take into account your objectives, financial situation or needs. Rules, rates and Medicare items change; figures are current at the date of publication and should be checked against the ATO, Services Australia, MBS Online and your state revenue office before you act. Everglow is not a law firm: we review the financial, tax and commercial side of agreements and work alongside your lawyer for legal advice. Clinical and coding decisions always remain with the treating practitioner. Tax services are provided by Everglow Accounting Pty Ltd and Kam & Beadman Pty Ltd (liability limited by a scheme approved under Professional Standards Legislation). Financial advice is provided by Everglow Wealth Pty Ltd, Corporate Authorised Representative No. 1254987 of PGW Financial Services Pty Ltd (AFSL 384713).