Core

Essentials compliance

Clean books and tax filings, dental specific.

What's included:
  • Monthly bookkeeping on a dental-specific Chart of Accounts, with QuickBooks Online included
  • Monthly P&L and balance sheet, delivered shortly after month-end close
  • Tax preparation: quarterly estimates, annual practice return, and all required state and local filings for NY, NJ, and CT (including NYC UBT and GCT)
  • Payroll setup and ongoing coordination with Gusto, ADP, or your preferred provider
  • Direct access to your CPA for questions on monthly deliverables and tax estimates throughout the year
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Select

Optimization & growth

Optimize fees, overhead, and tax positioning.

Includes everything in Core, plus:
  • Annual fee schedule audit comparing fees to local benchmarks, with repricing recommendations
  • Annual PPO renegotiation analysis for your top carrier: fee audit, reimbursement modeling, and a written negotiation plan
  • Monthly key metrics against benchmarks: production by provider, collections, hygiene profitability, AR aging, and overhead
  • Quarterly 1:1 sessions on practice health and forward planning
  • Dental tax planning: equipment depreciation, owner compensation, pass-through (PTET/BAIT/PET), and entity structure
  • Year-round access for the decisions practice owners face: hiring, equipment financing, cash flow planning
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Plus

Embedded CFO

Strategic decisions, audit defense, deep coordination.

Includes everything in Select, plus:
  • IRS and state tax audit defense on practice returns prepared by Pact. If your practice is selected for examination, we handle correspondence, document production, and direct response to the auditor on your behalf
  • Annual PPO renegotiation analysis for your top 2 carriers (instead of 1)
  • Coordination meetings with your broader financial team (personal CPA, financial advisor, and retirement plan specialists) as needed
  • Monthly 1:1 sessions reviewing practice health, key metric trends, and forward-looking decisions, with on-demand check-ins between meetings
  • 24-hour response time on all inquiries
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The monthly rhythm of an ongoing engagement.

Monthly

Books closed and reviewed.

Each month, transactions are reconciled, the books are closed, and a monthly P&L with dental-specific key metrics is prepared. You receive a clean financial picture of where the practice stands.

Quarterly

Tax estimates and check-in.

Quarterly federal and state tax estimates are prepared and filed. A quarterly check-in covers what's changed in the practice and what's coming up.

Annually

Returns, planning, and review.

Annual tax returns prepared and filed. Year-end close and financial statements. For Select and Plus clients, the annual UCR fee schedule analysis, overhead benchmarking, and forward-looking tax planning meetings happen here.

As needed

Decisions in front of you.

Hiring an associate, financing equipment, evaluating a PPO drop, opening a second location. When something material comes up, you reach a CPA who knows your practice.

Flat monthly fee. Sized to your practice.

Pricing is a flat monthly fee, sized to your practice's complexity and the tier you select. Your engagement letter spells out exactly what's covered and what the fee is. There are no add-ons, hidden tiers, or surprise invoices.

Specific pricing is shared on a discovery call once we understand your practice. Each tier is priced separately, and you can move between tiers as your practice and what you want from your CPA evolves.

How does onboarding work?

Onboarding takes two to three weeks. We migrate your bookkeeping, restructure your chart of accounts to dental categories, clean up any prior-period issues, and set up the monthly reporting cadence. By the end of week three, you have a clean opening balance sheet and a financial review meeting on the calendar.

What practice management software do you support?

We work with practices on Dentrix, Eaglesoft, Open Dental, and Curve, among others. The accounting work happens in QuickBooks Online. We handle the integration of practice management data with bookkeeping, so production and collections data flows correctly into your financial reporting.

Can I keep my existing tax preparer for personal returns?

Yes. Pact's ongoing engagement is for the business entity. Your personal return is separate. Some clients prefer to keep an existing personal tax relationship; others move both to Pact for coordination. Either works.

What if I want to move between tiers later?

Straightforward. Many practices start with Core and move up to Select as the practice grows or as the owner wants more strategic involvement. Some move further to Plus when financial leadership becomes a daily need. Tier moves are a fee adjustment in your engagement letter, not a re-onboarding.

Do you handle multi-entity setups?

Yes. Many independent practices have multiple entities — a practice PLLC, a real estate holding company, a management company. Pact handles the bookkeeping, tax planning, and inter-entity coordination across the structure.

Let's talk about your practice.

A chance for us to understand your current setup, your practice, and where you want to take it. And a chance for you to see whether Pact is the right fit.

Book a Call (646) 902-1312