A CPA firm dedicated to independent dentistry.

Before founding Pact, Carmen spent nearly a decade in financial controller and regulatory finance roles at Barclays, after beginning her career in audit at Ernst & Young in New York City. She established Pact CPA to bring Wall Street-level financial rigor to Main Street dental practices.

Generalist CPAs often default to standard small-business tax treatments, leaving dental-specific opportunities unoptimized. They may miss nuanced depreciation for clinical equipment or pass-through entity elections that meaningfully change a practice owner's tax position. Furthermore, a generic chart of accounts only proves compliance. Pact applies rigorous, dental-specific tax planning and bookkeeping, tracking the metrics that matter to dental practices: overhead vs. industry, production vs. collection, hygiene profitability, fee schedule alignment, and more.

The dental landscape has undergone rapid consolidation. DSOs and private equity-backed groups are acquiring practices at an accelerating pace, utilizing embedded finance teams and structured tax planning to optimize every dollar. Independent owners face this exact same financial complexity, but often without the same specialized support. Pact exists to close this operational gap, arming independent practices with the financial rigor usually reserved for corporate groups.

Practice owners face decisions throughout the year, not just at tax season. Entity structure, equipment financing, hiring, cash flow. Pact emphasizes accessibility and a human connection. We are here for the decision moments, one phone call or one email away.

Carmen holds a master's degree from the University of Notre Dame. She has been a CPA in New York State since 2015. Verify license →

Pact serves independent dental practices across New York, New Jersey, and Connecticut, exclusively.