The main word used by attendees after attending is relief. Participants utilize exercises to manage current debt and maximize savings for the future.
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1 DOUGLAS CARLSEN, D.D.S. Dentists are battered with conflicting messages about debt, lifestyle, savings, and investing. What do dentists want? Honest advice from someone who has walked the path to early retirement and thrived during the Great Recession. Dr. Carlsen sells no products and has no financial association with any company or individual. He is giving back to the profession that blessed him. RETIREMENT 101/ DO- IT- YOURSELF FINANCE 50- minute keynote to full- day workshop The main word used by attendees after attending is relief. You will be pleased to find a simple method to calculate your retirement budget, total savings needed for retirement, and savings needed per year. No pre- workshop preparation is needed. Participants utilize exercises to manage current debt and maximize savings for the future. You are insured to come away with a clear understanding of your personal financial situation with the comfort of having a plan for the future. I M OUT; I M READY; I OWE THAT MUCH? 2-3 hour workshop Young dentists face financial challenges beyond the imagination of practitioners even fifteen years ago. Dr. Carlsen provides each participant an individual debt reduction and savings plan. No Quicken printouts or planning before the course is needed. Participants, via worksheets, list each debt with total and monthly payments. Participants also list any savings to date. Attendees first prioritize debt payouts with a realistic timeline. They then devise a savings strategy for the next ten years, and finally to retirement.
2 Retirement 101/Do- It- Yourself Finance 50 minute Keynote to Full- day Workshop Spouses/Partners are encouraged to attend! TOPICS: Meeting Planners and attendees chose topics depending on the length of the workshop. What are the 10 common traits of early retirees? What 6 things can we all do to build wealth in 2014? Your Retirement Number: This is Dr. Carlsen s most popular section. With no pre- course preparation, attendees assemble a personal retirement budget, which is used to calculate their retirement number and how much they will need to save per year. A Monte Carlo on- line program may be used to further define that number by changing life variables, such as differential saving, working more or less years, or changing one s investment mix. The Do- It- Yourself Finance Series, written by Dr. Carlsen for Dentaltown Magazine in 2013, is thoroughly discussed. Case Study: Dr. Will Billings is ill. He s an intelligent doc with chronic docitis. Will s net is $300,000 per year and he deserves doctor style. Of course, he is developing the proper persona with appreciation of quality in all things. You and your fellow docs will get Will to financially exercise (save), tame his gluttonous diet (spending) and provide a way to reverse the anxiety of his carefully built edifice (debt). When your mind gets in the way: Everyone has questions and doubts about money. Most of us know certain rules from personal experience. We discuss what works and what doesn t from our experiences. Your Financial Life: Attendees then fill out financial forms without actual figures. As before, no preparation is necessary. The following and more are discussed and even argued! Investments and savings strategies Debt strategy Rental properties, second homes, children and college savings, insurance needs, and other topics are covered as time permits. Your New Story: What will you personally change in you life by Monday, a year, five years? The course was fun and an eye-opener. The work sheets were comprehensive and very informative. This course is a must for anyone at any age. - Dr. and Mrs. Craig Steichen
3 I M OUT; I M READY; I OWE THAT MUCH! AN INDIVIDUAL FINANCIAL PLAN FOR THE YOUNG DENTIST Young dentists face financial challenges beyond the imagination of practitioners even fifteen years ago. Student loan debt is the "elephant in the room" for most new grads. Debt: The student loan, auto purchase, practice loan, and home mortgage by themselves pose challenge to the new graduate. Together, they place enormous burdens. Savings: Adding to debt anxiety, the young dentist is commanded by the financial community to save for college and retirement. Dr. Carlsen provides each participant an individual debt reduction and savings plan. No Quicken printouts or planning before the course is needed. Participants, via worksheets, list each debt with total and monthly payments. Participants also list any savings to date. Via Carlsen's savings and debt parameter sheets, attendees first prioritize debt payouts with a realistic timeline. They then devise a savings strategy for the next ten years, and finally to retirement. Note: Dr. Carlsen has no books, DVDs, or financial programs to sell at the conference. He retired early at age 53 an has spent the past six years helping dentists of all ages with money issues. Attendees will: Learn how to manage current and future debt via one's individual priorities and structure. Develop a plan for retirement and college savings. Find ways to reduce financial stress, enabling proper concentration on patient care. For any number of doctors. Spouses are encouraged to attend. The "neutral" financial environment has been very popular with couples. / DrDougCarlsen
4 Meet Dr. Carlsen Douglas Carlsen, DDS, has provided independent financial education to dentists since retiring from his practice in 2004 at age 53. His financial independence creates no need to sell to dentists. Carlsen has written over 40 articles for Dental Economics and Dentaltown Magazines and currently contributes monthly to Dentaltown Magazine. His no- nonsense approach to both practice and personal finance has garnered acclaim from dentists young and old. Carlsen writes and lectures from the point of view of one that was able to retire early on his terms. Attendees will learn the skills necessary to make his mantra - "I don t need your money to fund my retirement!" - their own. Dr. Carlsen s articles have appeared in: Dental Economics Magazine Dentaltown Magazine Facets, San Diego County Dental Society column New Mexico Dental Journal, NM Dental Association The Journal of the New Jersey Dental Association The Journal, Harbor Dental Society Smileline, Monterey Bay Dental Society Redwood Empire Dental Society Journal Nugget, Sacramento Dental Society Journal Current Professional Associations: Speaking Consulting Network American Dental Association Colorado Dental Association San Diego County Dental Society Metro Denver Dental Society Passions: The little guy in the picture above Mason! Skiing Mountain and Road Biking Astronomy More skiing DOUGLAS CARLSEN, DDS View V ideos:
5 Testimonials / Previous Presentations Dr. Carlsen was very informative and his insightful concepts kept everyone on their toes. His pre- retirement wake- up discussions, finding your retirement number, and various transition planning strategies were especially succinct for those in attendance. I would highly recommend Dr. Carlsen to any group of doctors looking beyond the trenches. - Robert P.Ritter, D.D.S.; President American Academy of Orthodontics for the General Practitioner Dr. Carlsen provides outstanding lectures that attendees desire in today s new economy. He provides current and relevant information. I ve worked with Doug for the past 4 years and would highly recommend him as speaker for any event.. - Chris Ippolito; Owner/Meeting Planner San Diego Dental Convention "Budgeting is especially valuable to do with your spouse in the neutral environment provided for the course...it was quite fun and eye opening. Knowing the number will help us with lifestyle choices...what a great afternoon." - Dr. B.K. "We watch our spending and savings, but had never sat down to talk about a retirement budget and exactly how much we will need for retirement. Knowing the numbers is a relief!" - Dr. D.L. Partial Listing of Previous Presentations: Townie Meeting, Las Vegas Big Apple Meeting, Bronx Dental Society AGD Annual Meeting; Baltimore, MD Star of the South Conference; Houston, TX Amer. Assoc. of Orthodontic Gen. Practitioners; Lake Geneva, WI Seattle Study Club; Upland, CA CEA Dental Conference; San Diego, CA San Joaquin Dental Society; Stockton, CA New Jersey Gold Study Club; Newark, NJ Loma Linda Health Sciences Center; Loma Linda, CA San Diego County Dental Society San Diego Gold Study Clubs (Combined) San Diego Prosthodontic Study Club South San Diego Advanced Study Club West Los Angeles Dental Society
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