2014 Spring Bulletin

SPRING ISSUE 2014VOL. 46, NO. 2

Bulletin

www.davislaboratory.com | Call (800) 253-9227

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WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014 1

Contents

President’s Message ..................................................................................................... 2

Editor’s Thoughts ........................................................................................................ 4

Trustee Report ............................................................................................................. 6

Tooth Time 2014 ......................................................................................................... 8

MDA Announces LEAD – New Program to Develop Future Leaders .....................14

Dental Professionals: A Prescription for Your Financial Health ..............................18

2014-2015 WMDDS Continuing Education Programs ............................................20

Cash Balance Plans: What are They and Who Do They Really Work For? .............22

Technically Speaking ...................................................................................................24

Classified Ads ...............................................................................................................26

Advertiser Index ...........................................................................................................27

About the Cover

WMDDS 2014 Tooth Time event, Grand Rapids Children’s Museum

Photo by Dr. David Huyser

Mission StatementThe Bulletin is the newsletter of the WMDDS and its mission is to inform the membership of

upcoming and recent events, state & local issues related to dentistry, and as a forum for its officers,

representatives, and members to discuss appropriate topics of interest to the membership.

Communication & Advertising PolicyThe Bulletin will publish submitted articles from members and others that relate to the practice of

dentistry, small business, social, or political issues affecting dentists, or other subjects of interest to

the membership. All published items are subject to space restrictions and the community standards

of the WMDDS. The editors reserve the right to reject any article or advertisement deemed

inappropriate and to edit submissions as they see fit.

Submission & Publication Policy: Articles and advertisements must be submitted no later

than the 1st of the month preceding publication date. The Bulletin has six publications: the

winter issue, spring issue, summer issue, directory issue, fall issue, holiday issue. Direct

submissions or correspondences to:

Dr. Jeffrey S. Smith • 3050 Ivanrest SW, Suite B • Grandville, MI 49418

Phone: 616.531.1554 FAX 616.531.6947 • Email: [email protected]

Include “Newsletter” in the subject line

Editor Dr. Jeff Smith

Associate Editors Dr. Seth Vruggink Dr. Derek Draft Dr. David Huyser Dr. Brian Licari

Advertising Editor Elaine Fleming Executive Secretary WMDDS 511-F Waters Building Grand Rapids, MI 49503 (616) 234-5605 [email protected]

West Michigan District Dental Society Executive Board 2013-2014 President Dr. Margaret Gingrich President-Elect Dr. Samuel Bander Vice President Dr. Steve Conlon Secretary-Treasurer Dr. Kathleen Ellsworth Editor Dr. Jeff Smith Immediate Past President

Dr. Tyler Wolf

Directors Dr. Leonard Bartoszewicz Dr. Brian Mulder Dr. Lathe MillerArea Representatives

Kent County Dr. Kathryn Swan Ionia-Montcalm

Dr. John O’Donald

County Mecosta County Dr. Erick Perroud Ottawa County Dr. Kevin Rebhan

MDA IV District Dr. Brian Cilla Trustees Dr. Colette Smiley

Big Rapids Dental Study Club OfficersPresident Dr. Erick Perroud Vice President Dr. Christa SternSecretary Dr. Christa SternTreasurer Dr. Erick Perroud

Holland-Zeeland Dental Society OfficersPresident Dr. Meredith Smedley Treasurer Secretary Immediate Past President

Ionia-Montcalm Dental Study Club OfficersPresident Treasurer Dr. Kirkwood Faber

Kent County Dental Society OfficersPresident Dr. Michael Palaszek Vice President Dr. Kathryn Swan Secretary Dr. James PappTreasurer Dr. Kathleen Eisin

West Michigan Dental Foundation OfficersPresident Mrs. Wendy Mc Ginnis Vice President Dr. Michael Palaszek Secretary Mrs. Dawn Kamyszek Treasurer Mr. Joe Van Laan

The Bulletin of the West Michigan Dental Society is published six times a year (the winter issue, spring issue, summer issue, directory issue, fall issue, and holiday issue). The opinions expressed in The Bulletin are not necessarily the opinions of the West Michigan District Dental Society.

Contributions to The Bulletin are welcome and should be addressed to The Bulletin Editor, 3050 Ivanrest SW, Suite B, Grandville, MI 49418. Requests for purchase of advertising space should be directed to the Advertising Editor, Elaine Fleming, (616) 234-5605. The deadline is the 1st of the month prior to publication.

© 2013-2014 West Michigan District Dental Society Bulletinwww.davislaboratory.com | Call (800) 253-9227

• Fast and simple titration

• Increased adjustment range

• Easier to wear, clean and adjust

DSG provides leading sleep appliances to help dentists

succeed in treating OSA.

Now providing the NEW SomnoDent G2

ith the hope of spring warmth just around the

corner, have you given any consideration to

what you might be doing in two months? Has

the thought of being a MOM volunteer on any of the days

spanning May 29–June 1, 2014 crossed your mind? I am very

excited to share this great opportunity with you! There is a

board of over 40 people working hard, to make volunteer-

ing an opportunity available just outside our back door. If

you have never donated your dental services, this might be a

great way to start. Giving of our services in other states can be

complicated by infrastructure, licensure and insurance issues.

With the Mission of Mercy, the event is set up and ready to go.

All that is necessary is your time and enthusiasm to give back.

I guarantee if you volunteer, you will get more in return than

the patients will ever receive in care. After participating in mis-

sions I am often asked, “Why do you volunteer?” My response

is, “Just go and you will see. There are no words to express the

feeling!” So, if you are not busy the weekend after Memorial

Day, come to Big Rapids and be a MOM Volunteer with

me. To sign up, go to www.smilemichigan.com/foundation.

A copy of the patient recruitment flier can be found on the

following page in this Bulletin. Please feel free to make copies

and hand them out to potential patients, or post them in areas

where you want to recruit.

It is now that time of year when the officers and other

members of the WMDDS Board step down from, or move

up to their next post. So as they say, “Out with the old and in

with the new!” This will be my last article as West Michigan

District Dental Society President. As I look back on the year,

it has been a very productive one. WMDDS has hosted four

successful CE courses at Frederik Meijer Gardens & Sculpture

Park, with another four planned for 2014-2015. The New

Dentist Forum has been very active, and has seen increased

attendance at their scheduled events. The Public Relations

committee and Tooth Time Task Force also sponsored activi-

ties this year. Each month The Grand Rapids Press runs an

article on dental issues brought to the public by the WMDDS.

Last, and certainly not least, planning for the MOM event has

kept us all busy. None of this could have been accomplished

without the help of our Executive Secretary, Elaine Fleming

and my Board. I would like to say “Thanks” to all of them.

Without their help, the WMDDS would not be the force that

it is in the dental community.

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 20142

P R E S I D E N T ’ S M E S S A G E

Do You Want to MOM for the Weekend?By Margaret Gingrich, DDS, WMDDS President

W

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o, this is not the actual title of the famous Bob

Dylan song, but the gist of this editorial may not be

too far off from what Bob was singing about almost

50 years ago (wow, does that make me feel old!). Dentistry is

going through yet another metamorphosis. This time, it is the

result of a combination of the ever-increasing rate of technol-

ogy, and economic factors which have been coming to a head

since about the same time that Dylan penned his song.

Medicine is introducing a new paradigm known as “per-

sonalized medicine.” It is largely born out of the necessity to

save costs by eliminating overtreatment, and perhaps avoid-

ing treatment in cases where such treatment would very likely

be ineffective. The fact is, the healthcare system (i.e. govern-

ment agencies, insurance companies, and healthcare provid-

ers) is trying to cut costs (i.e. slowly going broke), and what

few health care dollars there are out there cannot be spent

with the same reckless abandon that they may have some-

times been in the past.

While the Affordable Healthcare Act (i.e., Obamacare) is

far from being completely implemented, and there are provi-

sions in the law that will cover some dental benefits for some

individuals, that is a topic for another article. You ask then,

well how does all of this directly impact us as dentists?

For as long as all of us can remember, it has been recom-

mended that the ideal interval for dental checkups and clean-

ings is once every six months for the maintenance of good oral

health. We all know that in most cases this model has served

the American population well. We also know that some of our

patients have certain risk factors such as smoking, diabetes,

xerostomia, poor homecare, and genetic predispositions that

The Times, They Are A Changin’, AgainBy Dr. Jeff Smith, WMDDS Editor

E D I T O R ’ S T H O U G H T S

make them more susceptible to periodontal disease (and its

systemic effects), as well as caries. All of these risk factors have

been proven to lead to greater tooth loss in patients who have

one or more of them, than in individuals who don’t. So the

logic from all of this is: Can patients with few or no risk fac-

tors be maintained adequately on a longer (specifically a one

year) recall schedule? Imagine the supposed cost savings real-

ized by insurance companies when maintenance costs are cut

in half for this “healthier” subset of the patient population.

A recent University of Michigan study published in the

Journal of Dental Research 92(8):694-701, 2013 has attempted

to answer the question regarding tooth loss frequency in high-

and low-risk factor populations who came in for either one

or two preventative visits per year. The 5117 participants used

in this study were all under the same dental plan of a large

national insurer, and predominantly Caucasian. In order to

qualify for the study, they had to have at least 15 years of claim

data, be between 34- to 55-years-old at the beginning of the

study, have no previous diagnosis of periodontitis, and had to

receive regular preventative dental care over the course of the

study. Patients were classified as high risk if they smoked, had

diabetes, and/or an interleukin-1 phenotype (a genetic mark-

er for inflammation, which can be tested in the office with a

cheek swab, which is then sent in for analysis). If a patient

had none of these risk factors, then they were put into the low

risk group. The conclusions from the study were: First, that 6-

month recall intervals resulted in less tooth loss than annual

recalls in the high risk group. Second, the frequency of tooth

loss went up as the number of risk factors increased within

high risk individuals. Third, and probably most important/

controversial, there was no significant difference in tooth loss

in the low risk population regardless of whether they saw their

dentist every 6 or 12 months for preventative care.

While the authors of this paper were very forthright in

their discussion of its limitations, one has to wonder how

close the population used in the study actually mirrors the

general population. One could argue that there was some

“cherry picking” going on, as anyone with a diagnosis of peri-

odontal disease was excluded. Was this population much less

likely to lose teeth to periodontitis over time than usual? In

some cases, untreated periodontal disease can go on for more

than 16 years before the loss of teeth, which was the length of

N


E D I T O R ’ S T H O U G H T S

this study. Because information taken from a dental insurance

database does not include data on patient homecare, exposure

to high dietary sugar intake, or xerostomia (which is becom-

ing more prevalent as our population takes more medications

which have this side effect), it is impossible to determine

whether the tooth loss which occurred was the result of peri-

odontal disease or caries. One must also consider that as our

patients age, they may fall into and out of certain risk factors

(i.e. sugar intake, smoking, oral hygiene, A1c number, and/

or medication). This being the case, should we tailor the

frequency of our patient’s preventative care each time we see

them based on whatever metrics are being used to determine

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“high risk” patients? And if we do, how are we supposed to

document these risk factors on dental insurance claim forms

so that our patients get the preventative care that they need?

Keep your ears to the ground. The results of this study are

currently being investigated and debated at the national level.

Insurance carriers will be closely monitoring the fallout from

these investigations, so that they can determine their policies

regarding patient coverage. And unfortunately, as we know

all too well, in the minds of some of our patients, if insurance

doesn’t cover it, then they don’t need it. Yep, the times, they

are a changin’.


am leading off with LEAD! The Michigan Dental

Association is looking for leaders and invites you

to be part of LEAD: Leadership Exploration and

Development. LEAD is an 18-month pilot program designed

to develop and enhance leadership and volunteering skills.

To learn more and request an application, call Josh Lord at

800-589-2632 or visit smilemichigan.com/LEADprogram. It

takes time to develop as a leader – but it is time well spent

when you consider the impact you can have on your practice,

on your future, and on your profession.

Ensuring sustainable membership, leadership and engaged

volunteerism is important in any group or organization. The

MDA understands the impact of the graying of the profession,

the growth of large group practice settings, the shifting of

consumer attitudes toward oral health care, and the implica-

tions of the changing expectations of today’s professionals on

membership. The MDA Board has directed the Membership

Advisory Committee to develop a strategic response to some

specific targets – new dentists, ethnic minority dentists, and

employees of large group practices. Membership initiatives

will include developing and implementing programs to help

these targets achieve success with their professional goals.

As trustee, I recently had the opportunity to spend an

evening with an upbeat and engaged group – the New Dentist

Forum. This gray-haired girl received a warm welcome and

heard an amazing presentation by Dr. Betsy Bakeman. I

would strongly encourage WMDDS members under the age

of 40 or in practice less than ten years to attend the next NDF

event on May 8 at Pietro’s. The New Dentist Forum is fun, full

of camaraderie, and offers a great way to connect and discover

what’s happening. Thanks to Drs. Aaron Clark and Matt Lieto

for their leadership!

West Michigan member dentists routinely take the lead

in their own communities helping patients in need, and I

hope to see many of you at the MDA Mission of Mercy, May

29–June 1 at Ferris State University in Big Rapids. Whether

you are interested in providing clinical care or not, there

are numerous opportunities for you to volunteer. MOM

is divided into several departments, with each department

needing various types of volunteers. WMDDS members Drs.

Margaret Gingrich, Veronica Hamilton, Scott Hodges, Dave

Hosking, Paul Korte, and dental student Zach Breen (son of

member Randy Breen) have all stepped up to take leadership

positions ensuring the success of this year’s MOM. For more

information and to register, please visit smilemichigan.com/

foundation/MissionofMercy.

Sustained access to dental care is not addressed by a one-

weekend event. Healthy Kids Dental, a public-private part-

nership between the Michigan Department of Community

Health and Delta Dental of Michigan, improves access to care

for Medicaid-enrolled children by improving provider reim-

bursement rates. In the counties that currently have Healthy

Kids Dental, more than 80% of dentists participate, while less

than one quarter participate with traditional Medicaid.

Governor Snyder has issued his budget recommenda-

tions for 2015 and included in his recommendations is $15.7

million to expand Healthy Kids Dental to Kalamazoo and

Macomb counties. If this recommendation is adopted by the

legislature, Kent, Oakland, and Wayne would be the only

counties left that are not participants in HKD. Children living

in WMDDS counties Ionia, Mecosta, Montcalm, and Ottawa

have existing HKD coverage.

West Michigan takes center stage April 30–May 3 when

the MDA’s Annual Session returns to DeVos Hall in Grand

Rapids. The latest dental products, services, and techniques,

plus many MDA Annual Session show specials and great con-

tinuing education will be right in your own backyard. Make

an effort to take advantage of this opportunity.

Annual Session is also the time for the installation of a

new MDA President. I would like to give special recognition

to West Michigan member and outgoing MDA president Dr.

Norm Palm. Norm has led the Michigan Dental Association

I

T R U S T E E R E P O R T

Spring 2014 UpdateBy Dr. Colette Smiley, MDA Trustee

this past year with vision and wisdom. The next time you see

or speak with Norm, be sure to thank him for the work he has

done on behalf of our profession.

I thank you for the privilege of being your Trustee. Please

be in contact with any concerns or comments you may have,

or if there is any way I can assist you. I can be reached at

616.560.1104 or [email protected].

T R U S T E E R E P O R T


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fter a winter like this, you may not think of thanking

Mother Nature, but thank her we did. For all of the

snow we have been forced to endure this winter, she

only sent a trace of snow on those two days in early February

when Tooth Time 2014 invaded the Grand Rapids Children’s

Museum. The cold was bitter but the energy of those young

people scurrying around the museum kept it at bay. There

was fun to be had, an oh yes, something about caring for

teeth means making good choices about food and keeping

them clean.

Tooth Time is a local Children’s Dental Health Month

event supported by the WMDDS, the West Michigan Dental

Foundation, and Give Kids A Smile. The Grand Rapids

Children’s Museum has hosted the event for many years,

and the child-centered environment enhances our ability to

‘reach’ the children with our message. Distributed throughout

the museum are several stations where interactive learning

opportunities are disguised as playtime. As the children move

through the museum, they visit the many hands-on exhibits

that are part of the museum as well as our stations in a mish-

mash order. They don’t see it as a ‘museum’ or ‘Tooth Time’

but rather as one good time after another. Because of this

and the carnival-like atmosphere present at the museum, the

children seem more reception to the message.

After the children visit each station, they are given a goodie

bag containing a toothbrush, tooth paste, floss, a sand timer

and a sugar-free lollipop to reinforce the message that caring

for their teeth means making good food choices and brushing

and flossing.

The work of many people and several organizations con-

tribute to the success of Tooth Time – thank you to these

people and organizations, and especially the Tooth Time task

force and other dentist volunteers. I would also like to thank

the many, many GRCC dental assisting students and numer-

ous GVSU pre-dental and other students. Without them, this

event could never happen.

The numbers: Thursday evening attendance – 267, Friday

attendance was 1,034.

We had a GREAT time and would like you to know that we

would love to have you join us next year.

Tooth Time Task ForceDavid Huyser, Chair Jacob Miller

Heather Gietzen Chris VanDeven

Meggan Krause Kurt Schabes

Veronica Hamilton Lathe Miller

Jessica Massie

A

T O O T H T I M E 2 0 1 4

Another Great Tooth Time Event!By Dr. David Huyser, Tooth Time Task Force Chair

Photos by Dr. David Huyser


T O O T H T I M E 2 0 1 4




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he MDA will soon begin taking applicants for its new

LEAD program, a comprehensive 18-month course

designed to build personal leadership skills through

immersion experiences in the MDA and its components.

LEAD stands for Leadership Exploration And Development.

Participants will receive a thorough orientation to leadership

at the local, state (MDA), and national (ADA) level. No previ-

ous volunteer or leadership experience is required.

“The LEAD program creates an opportunity to develop

individual leadership skills,” said Dr. Norm Palm, MDA

president. “We all have abilities, that if recognized and nur-

tured, can be excellent leadership traits. Sometimes members

are afraid to serve because they don’t think they have the

skills to make a difference. The LEAD program will change

that and benefit the LEAD participant, our components, and

the MDA.”

Palm said the program, which was approved by the MDA

board in December, will begin with a pilot session starting

this year.

About the programThe program consists of three phases. Phase One covers 12

months with three sessions that include:

• leadership skills and assessment training;

• what makes an effective volunteer;

• how the MDA, ADA and local societies support each other,

helping member dentists succeed and ensuring the public’s

health;

• a series of immersion experiences to enhance appreciation

and understanding of the tripartite, MDA board governance,

state and national governmental affairs, philanthropic

activities and MDA public affairs, the peer review process;

and MDA Insurance and MDA Services.

Other Phase One activities include attending two component

society meetings, a multi-day ADA conference, two legisla-

tive events, one MDA Insurance seminar, and one in-office

meeting.

Phase Two consists of an independent group project on a

topic relevant to the MDA and/or its components. In Phase

Three, participants will be invited to explore volunteer leader-

ship roles within the MDA or local societies.

Candidate criteriaA maximum of 16 applicants will be chosen to participate

in the pilot program for 2014. Candidates will complete an

online application. Candidates must:

• be an MDA member in good standing;

• provide a written paragraph addressing “Why are you

interested in participating in the MDA LEAD program?;

• provide two endorsements by fellow MDA members,

business professionals, clergy or similar individuals;

• provide a complete and compelling resume or CV.

There are no restrictions based on age or past volunteer par-

ticipation. Dental students are excluded from the pilot pro-

gram. Stipends and scholarships will be provided to ensure

participation is essentially a no-cost experience.

For more informationContact Josh Lord, MDA director of membership and

strategic initiatives, at 800.589.2632, ext. 415, or email

[email protected].

T

M D A N E W S

MDA Announces LEAD – New Program to Develop Future Leaders

WEST MICHIGAN DISTRICT DENTAL SOCIETY | HOLIDAY ISSUE 2013 15

Impact your future and your profession with

The Michigan Dental Association is looking for leaders and invites you to be

part of LEAD: Leadership Exploration And Development.● An 18-month pilot program● Designed to allow member participants to experience the MDA’s many

facets● Develops and enhances leadership and volunteering skills● Participants will experience various conferences, committee meetings,

workshops, group projects, and a trip to an ADA conference —

expenses paid

It takes time to develop as a leader. As a participant, you’ll make a monthly

time investment throughout the 18 months, including two multi-day events.

But it’s time well spent when you consider the impact you can have on your

future and your profession.

To learn more and request an application, call Josh Lord at 800-589-2632 or 517-346-9415 or visit smilemichigan.com/LEADprogram


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THAnk yOu TO Our SPOnSOr wHO HAS HElPED TO mAkE THIS PrOGrAm AvAIlABlE TO uS.

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non MDA-member dentist – $200

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PAY BY CHECK: Make checks payable to: West Michigan District Dental Society. Remit to: Elaine Fleming | c/o WMDDS | 161 Ottawa NW | Suite 511-F, Waters Building | Grand Rapids, Michigan 49503 | Questions? Call 616.234.5605 or email [email protected]

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Dental Professionals: A Prescription for Your Financial HealthBy Bernard Bowhuis, CLU, ChFc, CFP®, CEO, Benchmark Financial Design Group, Inc.

F I N A N C I A L N E W S

he demands on dental practitioners today can seem

overwhelming. It’s no secret that healthcare delivery

is changing, and those changes are reflected in the

financial issues that dental care professionals face every day.

You must continually educate yourself about new research in

your chosen field, stay current on the latest technology that

is transforming health care, and pay attention to business

considerations, including ever-changing state and federal

insurance regulations.

Like many, you may have transitioned from dental school

to being on your own with little formal preparation for the

substantial financial issues you now face. Even the day-to-day

concerns that affect most people – paying college tuition bills

or student loans, planning for retirement, buying a home,

insuring yourself and your business – may be complicated by

the challenges and rewards of a dental practice. It’s no wonder

that many dental practitioners look forward to the day when

they can relax and enjoy the fruits of their labors.

Unfortunately, substantial demands on your time can make

it difficult for you to accurately evaluate your financial plan,

or monitor changes that can affect it. That’s especially true

given ongoing health care reform efforts that will affect the

future of the industry as a whole. Just as patients need periodic

checkups, you may need to work with a financial professional

to make sure your finances receive the proper care.

Maximizing your personal assetsMuch like dentistry, the field of finance has been the subject of

much scientific research and data, and should be approached

with the same level of discipline and thoughtfulness. Making

the most of your earning years requires a plan for addressing

the following issues.

RetirementYour years of advanced training and perhaps the additional

costs of launching and building a practice may have put you

behind your peers outside the healthcare field by a decade

or more in starting to save and invest for retirement. You

may have found yourself struggling with debt from years of

college and dental school; later, there’s the ongoing juggling

act between making mortgage payments, caring for your par-

ents, paying for weddings and tuition for your children, and

maybe trying to squeeze in a vacation here and there. Because

starting to save early is such a powerful ally when it comes to

building a nest egg, you may face a real challenge in assuring

your own retirement. A solid financial plan can help.

InvestmentsGetting a late start on saving for retirement can create other

problems. For example, you might be tempted to try to make

up for lost time by making investment choices that carry an

inappropriate level or type of risk for you. Speculating with

money you will need in the next year or two could leave you

short when you need that money. And once your earnings

improve, you may be tempted to overspend on luxuries you

were denied during the lean years. One of the benefits of a

long-range financial plan is that it can help you protect your

assets – and your future – from inappropriate choices.

TuitionMany dental professionals not only must pay off student

loans, but also have a strong desire to help their children with

college costs, precisely because they began their own careers

saddled with large debts.

Tax considerationsOnce the lean years are behind you, your success means you

probably need to pay more attention to tax-aware investing

strategies that help you keep more of what you earn.

Using preventive careThe nature of your profession requires that you pay special

attention to making sure you are protected both personally

and professionally from the financial consequences of legal

action, a medical emergency of your own, and business dif-

T



ficulties. Having a well-defined protection plan can give you

confidence that you can practice your chosen profession with-

out putting your family or future in jeopardy.

Liability insuranceRemember that in addition to potential malpractice claims,

you also face the same potential liabilities as other business

owners. Some dentists also carry insurance that protects them

against unintentional billing errors or omissions. You might

consider an umbrella policy as well as coverage that protects

you against business-related exposures such as fire, theft,

employee dishonesty, or business interruption.

Disability insuranceYour income depends on your ability to function, especially

if you’re a solo practitioner, and you may have fixed overhead

costs that would need to be covered if your ability to work

were impaired. One choice you’ll face is how early in your

career to purchase disability insurance. Age plays a role in

determining premiums, and you may qualify for lower pre-

miums if you are relatively young. When evaluating disability

income policies, dental professionals should pay special atten-

tion to how the policy defines disability. Look for a liberal

definition such as “own occupation,” which can help ensure

that you’re covered in case you can’t practice in your chosen

specialty.

To protect your business if you become disabled, consider

business overhead expense insurance that will cover routine

expenses such as payroll, utilities, and equipment rental. An

insurance professional can help evaluate your needs.

Practice management and business planningIs a group practice more advantageous than operating solo,

taking in a junior colleague, or working for a network? If

you have an independent practice, should you own or rent

your office space? What are the pros and cons of taking over

an existing practice compared to starting one from scratch?

If you’re part of a group practice, is the practice structured

financially to accommodate the needs of all partners? Does

running a “concierge” or retainer practice appeal to you? If

you’re considering expansion, how should you finance it?

Questions like these are rarely simple and should be done

in the context of an overall financial plan that takes into

account both your personal and professional goals.

Some dentists have created processes and products for

their own practices, and have then licensed their creations

to a corporation. If you are among them, you may need help

with legal and financial concerns related to patents, royalties,

and the like. And if you have your own practice, you may find

that cash flow management, maximizing return on work-

ing capital, hiring and managing employees, and financing

equipment purchases and maintenance become increasingly

complex issues as your practice develops.

Practice valuationYou may have to make tradeoffs between maximizing current

income from your practice and maximizing its value as an

asset for eventual sale. Also, timing the sale of a practice and

minimizing taxes on its proceeds can be complex. If you’re

planning a business succession, or considering changing

practices or even careers, you might benefit from help with

evaluating the financial consequences of those decisions.

Estate planningEstate planning, which can both minimize taxes and further

your personal and philanthropic goals, probably will become

important to you at some point. Options you might consider

include:

• Life insurance

• Buy-sell agreements for your practice

• Charitable trusts

You’ve spent a long time acquiring and maintaining exper-

tise in your field, and your patients rely on your specialized

knowledge. Doesn’t it make sense to treat your finances with

the same level of care?

Securities offered through Founders Financial Securities LLC

Member FINRA/SIPC and Registered Investment Advisor

Benchmark Financial Design Group, Inc.

Bernard Bowhuis, CLU, ChFC, CFP®, CEO

2358 S. Garden Ct., Jenison, MI 49428

616.667.8834 | 616.443.4334

[email protected] | www.ddsMoneyCoach.com


rEGISTrATIOn FOrmS wIll BE mAIlED 2 mOnTHS PrIOr TO EACH COurSE AnD wIll AlSO BE AvAIlABlE OnlInE AT www.wmDDS.OrG.

2 0 1 4 – 2 0 1 5 W M D D S C O N T I N U I N G E D U C A T I O N P R O G R A M S

F r I DAy, J u n E 2 0 , 2 0 1 4

FOCUS ON PROFITABILITY FOR THE EFFICIENT DENTAL PRACTICESponsored by Henry Schein Dental

Presented by Dr. Charles Blair

Thousand Oaks Golf Club | Registration 7:30 — 8:00 AM | Seminar 8:00 AM — Noon | 4 CEU’s

For information, call Elaine Fleming at 616.234.5605 or email at [email protected]

F r I DAy, J A n u A r y 1 6 , 2 0 1 5

EmERgENCY mEDICINEPresented by Dr. Stanley malamed

Frederik Meijer Gardens & Sculpture Park | Registration 7:30 — 8:00 AM | Seminar 8:00 AM — 4:00 PM | 7 CEU’s


F r I DAy, O C T O B E r 2 4 , 2 0 1 4

ONE-DAY DENTAL mBAPresented by Dr. Howard Farran



F r I DAy, m A r C H 1 3 , 2 0 1 5

SUCCESSFUL mANAgEmENT OF ACUTE DENTAL PAIN* – Am SESSION mANAgINg THE ENDODONTIC INFECTION – Pm SESSION

Presented by Dr. ken Hargreaves



(*fulfills 1 hour pain management credit needed for license renewal)


y now it seems most everyone is aware that Windows XP will

officially be unsupported on April 8, 2014. That unfortu-

nately, presents a difficult decision – upgrade or replace?

The end of Windows XP? Part 3 – Upgrade or replace?First, a quick refresher on why you need to get rid of Windows

XP (or at least start that process).

• HIPAA compliance – An XP computer with access to your

patient data means your practice is not HIPAA compliant.

• Security – If you can’t get windows updates you are unpro-

tected from EVERY vulnerability after April 8.

• Compatibility – Software vendors are beginning to discon-

tinue their support of Windows XP.

Next, should you upgrade your existing computer to Windows 7 or just get a new computer?Let’s start with cost. A new computer costs in the neighbor-

hood of $1,000. A Windows 7 license costs roughly $150.

Each computer (old or new) will cost approximately $400 to

set up. So you need to decide between $550 to keep your old

computer going or $1400 for a brand new one. Here is how I

would decide:

• Consider replacing if:

– Computer is no longer under warranty (usually 3 years

and older)

– The computer is slow as is (it will be slower with

Windows 7)

– The computer has been giving you problems

• Consider keeping if:

– The computer has at least a Core2Duo processor

– The computer has a Windows 7 license (printed on

the tower)

To add to the fun, Windows Server 2003 will end its support

in July of 2015, a little more than a year from now. We’ll talk

about that in the near future too!

What are your thoughts?Comment on our blog or facebook article. We’d love to hear

your opinions. Are you going to rush away from XP, or slowly

migrate?

Facebook: facebook.com/ddsintegration

Blog: ddsintegration.com/blog

Legislative Breakfast

Friday, April 25, 2014Frederik Meijer Gardens & Sculpture Park

1000 East Beltline NEGrand Rapids, MI 49525

Please mark your calendar and make plans now to attend the WMDDS Legislative Breakfast.

This is an important opportunity for WMDDS dentists and local legislators to meet and express views

and concerns on the issues that affect dentistry. Please make every effort to attend.

To reserve your place, please complete and return the attached form by April 17, 2014.

Name

Email address

Breakfast Buffet will be served starting at 8:00 am

Cost: $16 per person

Please make check payable to: West Michigan District Dental Society

Return by April 17, 2014 to:

West Michigan District Dental Society

161 Ottawa Avenue NW Suite 511-F

Grand Rapids, MI 49503

Questions? Contact Elaine Fleming

616.234.5605 | [email protected]

or

Dr. Steve Conlon

616.554.5970 | [email protected]



any dental practitioners are looking for larger tax

deductions and accelerated retirement savings

options, but they are often so busy with their

day-to-day responsibilities that they don’t take the time to

think about their alternatives. When the appointment with

their financial advisor rolls around and they review what

they’ve done – buying a cottage, sending the kids to college,

etc. – as well as what they need to do, the reality of a quickly

approaching retirement hits them. Sometimes a traditional

401(k) plan is not enough.

One option for catching up on retirement contributions

is to start a cash balance plan in addition to a 401(k)/profit

sharing plan. A cash balance plan is a defined-benefit plan

that resembles a 401(k)/profit sharing plan, with some key

differences.

• Cash balance plans provide for much higher tax deductible

contribution limits than a 401(k) plan can provide by itself.

The maximum contribution amount is dependent upon an

individual’s age.

• The cash balance plan is subject to an Annual Actuarial

Valuation and certification by an Enrolled Actuary along

with minimum funding requirements.

• The employer or investment manager manages cash balance

plan investments. 401(k) plans generally allow for partici-

pant directed investments.

• Cash balance plans are usually insured by a federal agency,

the Pension Benefit Guaranty Corporation (PBGC). PBGC

has authority to take over a terminated plan with insuffi-

cient funds and pay pension benefits up to the limits set by

law. 401(k) plans are not insured by PBGC.

Because a cash balance plan is a defined-benefit plan, the

interest credit is guaranteed and is not dependent upon the

plan’s investment performance. To increase benefits and the

funding range, plans can be amended up to 2.5 months after

year-end. Additionally, plans can be frozen or amended to

Cash Balance Plans What are they and who do they really work for?Brian LaFrenier, CPA, Audit Partner, Beene Garter, LLP

M

401(k) with Total Potential Contributions Potential Tax Savings Age Profit Sharing Cash Balance between both plans

63 $57,500 $236,000 $293,500 $117,400

62 $57,500 $241,000 $298,500 $119,400

61 $57,500 $229,000 $286,500 $114,600

60 $57,500 $217,000 $274,500 $109,800

59 $57,500 $205,000 $262,500 $105,000

58 $57,500 $195,000 $252,500 $101,000

57 $57,500 $185,000 $242,500 $97,000

56 $57,500 $175,000 $232,500 $93,000

55 $57,500 $166,000 $223,500 $89,400

54 $57,500 $157,000 $214,500 $85,800

EMPLOYER CONTRIBUTION LIMITS FOR 401(K) PROFIT SHARING PLAN AND A CASH BALANCE PLAN



56 Grandville Avenue sw . Suite 100Grand Rapids, Michigan 49503 . 616 235 5200

Your practice depends on the individualized service you provide each and every client. So does ours.With extensive hands-on experience in the healthcare industry, our team focuses on the financial and operational challenges you face everyday. We are committed to providing industry-specific expertise relevant to you, without compromising your patient focus.

For more information please visit BeeneGarter.com or contact Brian LaFrenier at (616) 235-5200.

Evolving your practice today for a healthier tomorrow.

Tax Planning and Preparation

Sales and Use Tax

Accounting Software Installation and Support

Bookkeeping and Assistance

Start-Up Consulting

Choice of Entity Analysis

Cash Flow Projections

Overhead Analysis

IRS Representation

Payroll Processing

Retirement Plan Design and Administration

Human Resources

Succession Planning

Business Valuation

Estate Planning and Wealth Management

Copyright © B

eene Garter LLP An independent m

ember of M

oore Stephens International Limited

lower allocations before the participants work 1000 hours in

a year, and a plan sponsor is never required to fully fund a

cash balance plan. If the plan is terminated, however, the non-

owner participants must receive the full value of their benefits

and the owner can receive a lower distribution amount based

upon remaining plan assets in lieu of fully funding their

benefit amount.

The table on page 22 shows employer contribution limits

for a 401(k) profit sharing plan and a cash balance plan. It

also shows the total amount a participant could contribute in

a year by taking advantage of both options as well as potential

tax savings. The tax savings column assumes 40% tax and

taxes are deferred.

If you have questions, or for more information on cash

balance plans, contact me:

Connect with Brian LaFrenier on LinkedIn at:

www.linkedin.com/in/blafy

Like Beene Garter on Facebook at:

https://www.facebook.com/BeeneGarter

Follow Beene Garter on Twitter at:

https://twitter.com/BeeneGarter


T E C H N I C A L L Y S P E A K I N G

y now it seems most everyone is aware that Windows

XP will officially be unsupported on April 8, 2014.

That unfortunately, presents a difficult decision –

upgrade or replace?

The end of Windows XP? Part 3 – Upgrade or replace?First, a quick refresher on why you need to get rid of Windows

XP (or at least start that process).

• HIPAA compliance – An XP computer with access to your

patient data means your practice is not HIPAA compliant.

• Security – If you can’t get windows updates you are unpro-

tected from EVERY vulnerability after April 8.

• Compatibility – Software vendors are beginning to discon-

tinue their support of Windows XP.

Next, should you upgrade your existing computer to Windows 7 or just get a new computer?Let’s start with cost. A new computer costs in the neighbor-

hood of $1,000. A Windows 7 license costs roughly $150.

Each computer (old or new) will cost approximately $400 to

set up. So you need to decide between $550 to keep your old

computer going or $1400 for a brand new one. Here is how I

would decide:

• Consider replacing if:

– Computer is no longer under warranty (usually 3 years

and older)

– The computer is slow as is (it will be slower with

Windows 7)

– The computer has been giving you problems

• Consider keeping if:

– The computer has at least a Core2Duo processor

– The computer has a Windows 7 license (printed on

the tower)

To add to the fun, Windows Server 2003 will end its support

in July of 2015, a little more than a year from now. We’ll talk

about that in the near future too!

What are your thoughts?Comment on our blog or facebook article. We’d love to hear

your opinions. Are you going to rush away from XP, or slowly

migrate?

Facebook: facebook.com/ddsintegration

Blog: ddsintegration.com/blog

Tech Q & ASubmitted by Greg Feutz, President, DDS Integration

Greg Feutz is President of

DDS Integration, a

Grand Rapids based dental

technology company.

B

The PoinTs of LighT ProjecT

If you would like more information regarding our project or would like to register as a participant, please visit our website at: pointsoflightonline.org.


And now for our next good idea: A SIMPLER NAME.

Hungerford, Aldrin, Nichols & Carter is now

Hungerford Nichols. A simpler name for the

same great depth of expertise, friendly service,

and most of all — good ideas you’ve grown

to expect.

Please check out our new website at

HungerfordNichols.com to see our new look

and fi nd a wealth of valuable information and

resources for your dental practice.

Rick Chrisman, CPA, Managing Shareholder

[email protected]

(616) 949-3200

Mission Statement: An organization dedicated to the improvement of oral health through the

financial support of education and service programs to address the needs identified by the dental

profession and the communities it serves in Kent, Ottawa, Ionia, Mecosta and Montcalm counties.

7:30 am Registration begins Driving Range | Putting Challenge

Start your day with a “Rise and Shine” Bloody Mary bar with bagels, fruit, coffee

9:00 am Shotgun start Play Your Own Ball or Scramble formats

Immediately following golf Cookout lunch and raffle prize drawing

Registration forms will be mailed in April. For more information, email Elaine Fleming at:

[email protected]

WEST MICHIGAN DENTAL FOUNDATION GOLF OUTING

Friday June 6, 2014 | Egypt Valley Country Club


C L A S S I F I E D A D S

Dental Office Space for Lease/

Possible Buyin – 2554 Woodmeadow

Drive, SE (near Breton and 28th

Street), 1300 sq. ft., 4 ops, private

office, lab, reception, staff lounge, full

basement with lockable storage, excel-

lent parking, plumbed for dentistry

and cabled for digital dentistry. Three

other dental suites in an all dental

building. Very competitive lease rate.

Available April 2014. For more infor-

mation, email [email protected]

or call 616.401.5134.

Immediate opening for an associate

dentist in the Grand Rapids area. We

are an up-to-date, modern office that

is completely paperless. Our office

performs all aspects of general and

cosmetic dentistry. Email your resume

to [email protected].

Exciting Opportunities for Dentists

in the Grand Rapids Area – Help

enhance the quality of life for chil-

dren by providing a positive dental

experience right in the school setting.

Excellent compensation. Monday-

Friday. No weekends. For more

information or to apply:

www.smileprograms.com.

For Sale – Family practice in Grand

Rapids NE that is part time with great

potential, located in an excellent high-

visibility location. There is 2050 sq.ft.

with 5 ops and a 6th op is plumbed

in. Opportunity for more footage if

desired. Call 616.485.4884 for details.

We need your help in changing

lives, one smile at time. Michigan

Community Dental Clinics, Inc. is

seeking dentists to join our elite group

of 60 quality oriented dental practitioners.

We have experienced exponential

growth throughout Michigan over a

five year period. Our growth contin-

ues, and we have several more offices

opening in the coming years. We wel-

come talking to dentists and dental

specialists who have a mindset of con-

tinuous quality improvement. Our

culture is one which places “patients

first.” Due to recently increased capac-

ity, we have outstanding full and part-

time opportunities. Our facilities fully

utilize an electronic patient record,

state-of-the-art equipment and the

finest sundries available in dentistry.

Our facilities are operated utilizing

a private-practice model with poli-

cies and procedures that encourages

efficiency, productivity, improving

quality, and cost control. We operate

Monday through Friday with no eve-

ning or weekend hours. Our full-time

positions offer very competitive remu-

neration and a comprehensive benefits

package that includes paid holidays,

medical, dental, vision, retirement,

disability, paid Continuing Education,

professional liability insurance, and a

wellness program. For more informa-

tion on specific clinic openings con-

tact Wendie Rodriguez, Professional

Talent Acquisition Coordinator at

[email protected] or call

231.437.4739, or visit our website at

www.midental.org to learn more.

The classified ad rate is $10.00 up to and including 30 words; additional words 15¢ each. Space permitting, WMDDS members may

place ads free of charge as a membership service. Ads should be submitted in writing and sent with payment to Elaine Fleming,

WMDDS, 511-F Waters Building, Grand Rapids, MI 49503. Telephone numbers and hyphenations count as two words, abbrevia-

tions count as one word. Ads received after the first of the month prior to publication may appear in the following issue.

Seeking full-time employment in a

West Michigan general practice office

to contribute immediately to the suc-

cess of an office with a willingness to

work nights/weekends to help bolster

production and practice availability, as

well as generate new patients. I have a

desire to be included within the prac-

tice’s leadership team to contribute to

decision making, developing strate-

gies for practice growth, and to sup-

port team development and morale.

I’ve been consistently regarded as

responsible, personable, a producer,

positive, professional, and upbeat. I

am currently in a hospital based GPR

and am comfortable with all aspects of

dentistry, including endodontics and

surgery. For a copy of my resume and

to discuss possible opportunities in-

detail, please contact me at grapdds@

gmail.com or call 989-225-0753.

Kavo Handpieces for Sale –

6000B have 5 at $400/handpiece,

6500B have 6 at $400/ handpiece,



649B have 2 at $200/handpiece.

Call 616-453-6323.

For Sale – Lab Master Foster Model

Trimmer, Model # MT115, like new

$400. Contact 616.949.7510.

Too busy in your own office and

need the extra help? Dentist with

nine years of experience looking for

part-time employment. Please email

[email protected].


C L A S S I F I E D A D S

The Bulletin wishes to thank our valued

advertisers who support organized

dentistry by helping to defray the cost

of printing and mailing.

Advertising in the Bulletin is seen

by over 90% of the dentists in the

West Michigan District. This includes

five of the fastest growing counties

in the state: Kent, Ottawa, Ionia,

Montcalm and Mecosta.

For information on advertising rates,

call Elaine Fleming, WMDDS Executive

Secretary at 234-5605. Target your Market

– advertise in the Bulletin!

Beene Garter ......................................23

DBS Companies ................................28

DDS Integration .... outside back cover

Davis Dental

Laboratory ............... inside front cover

Founders Bank & Trust ......................5

Henry Schein ............inside back cover

Hungerford Nichols .........................25

Keystone Pharmacy ..........................28

MDA IFG ...........................................13

PNC Bank ..........................................11

ProAssurance.....................................10

Professional Solutions ......................16

Studio 2 Dental ...................................7

A D V E R T I S E R I N D E XPart Time Associate Dentist – Well

established dental office located

approximately one hour north of

Grand Rapids in White Cloud is seek-

ing an energetic, motivated dentist

to join our busy office. We provide

quality dentistry and many advanced

procedures such as implants, soft and

hard tissue grafts, implant borne pros-

thetics, sinus augmentation, CT scan

analysis, third molar surgery, ortho-

dontics and endodontics. This is a

great opportunity to provide advanced

dental services to patients who don’t

care to drive to the big city. We are

happy to work with a young dentist

just getting started or with a more

seasoned dentist. This position is for

1-2 days a week with the possibility

of progressing to partnership or

buyout. Please submit resume to

[email protected].

Watch the Summer Issue of the WMDDS Bulletin for a series of articles about

the Age One Dental Visit, Infant Oral Health, and Points of Light.

You will also see information about how to access a wealth of information on

the WMDDS website that you can use directly in your practice to start implementing

the Age One Dental Exam.

brOugHt tO YOu bY tHE WMDDS POIntS Of LIgHt tASk fOrcE

Dr. Scott Van timmeren, chairDr. Stephanie benton

Dr. Elizabeth christophersonDr. Veronica Hamilton

Dr. karen O’rourkeDr. Dan Peters

Dr. colette Smiley


Whatever challenges you face with your patients, I can deliver customized medication solutions, especially when other resources have failed. As a compounding expert, I love to assist prescribers with their most difficult cases. I truly welcome your questions and calls. Together, let’s find a creative solution that benefits your patient!

4021 Cascade Road SEGrand Rapids, MI 49546616-974- 9792www.keystonerx.com

David J. Miller, RPh, PhD, FIACP Owner, Chief Formulation Scientist

Accessible. Problem Solver. Expert.

I love calls that start with, “I have a patient who...”

KEYSTONE PHARMACYSpecializing In Your Health

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Since 2009

Bay City, MI Main Office 800-327-2377 Dr. Peters, Grand Rapids, MI Direct 616-550-3913 [email protected]

Theodore Schumann, CPA, CFP®Daniel Peters, DDSDonna Rosebush

Accounting, Consulting, Coaching, Investment, and Practice Transitions for the Dental Professional

Dentists who work with DBS Management Consulting experience an increase in profits and a reduced stress load. Call us today to see how we can help you, 800-327-2377.

Ask for Donna, Dan, or Ted Sr.

WMDDS 2.30.2014 Ad - Dan Ted Donna Highlight.indd 1 2/28/2014 4:43:56 AM

ANTICIPATORY USE OF COMPOUNDED

DRUGS NOT ALLOWED

Due to new federal guidelines and the latest interpreta-

tion of Michigan statutes by the Michigan Department

of Licensing and Regulatory Affairs, the state no longer

allows for anticipatory office use of compounded drugs.

To receive a compounded drug, a prescription must be

written for a specific patient.

Sen. Joe Hune, (R-Hamburg Township), recently introduced

Senate Bill 704, which would allow for anticipatory use of

compounded drugs. The MDA is working closely with the

Michigan Pharmacists Association to pass this bill.

WHEN IS THE LASTTIME A PATIENT BRAGGEDABOUT YOU?ATTRACT NEW PATIENTS WITH PLANSCAN SAME-DAY RESTORATIONS.

SCHEDULE YOUR PLANSCAN DEMONSTRATIONTODAY AND GET A FREE RESTORATION* .With the PlanScan CAD/CAM Restoration System, driven by E4D Technologies, you can produce lab-quality restorations in hours instead of days – with remarkable speed and accuracy, intuitive design software, on-site milling and, of course, no impressions or powders. The resultis a vastly improved restorative process that gives you – and your

patients – a positive dental experience to brag about.

Contact your Henry Schein Consultant or call 844-251-4255

See how easy it is to take a digital impression with PlanScan.Schedule your FREE in-office restoration at www.planmecacadcam.com/request-demo*Certain restrictions apply. Consult your Henry Schein Consultant for details.

WEST MICHIGAN DENTAL SOCIETY

511-F Waters Building

Grand Rapids, MI 49503

PRSRT STDUS POSTAGE

PAIDGRAND RAPIDS, MI

PERMIT # 657

Documents

2014 Spring Bulletin