1. #ASDAnet @ASDAnet Debt Management and Financial Decisions for the New Dentist Todd Cockrell, DMD cockrellt@pacden.com The decision points that will affect your career....

2. Who am I ? My name is Dr. Todd Cockrell * I am a husband * I am a father

3. My role model and mentor..... My Dad --An amazing Dentist for 42 years--

4. #ASDAnet @ASDAnet My challenge and encouragement for you as we get to talk today: “Live Today to Create Tomorrow”

5. #ASDAnet @ASDAnet What decisions do you need to make first...

6. #ASDAnet @ASDAnet Decision 2 - Geography vs. Opportunity Decision 3 - Practice Environment Decision 1 - Post Graduate Choices: Specializing General Practice Residency or AEGD Private / Group Practice Military Service or Public Health Academic Dentistry and / or Research

7. So what is it that separates dental students from one another while still in school? Those that have CLARITY in their vision of where they are going and what they are going to do in their career

8. #ASDAnet @ASDAnet Review The Big Picture (Map out your game plan) Visions Goals Strategies Tactics Tools --------------------------------

9. #ASDAnet @ASDAnet Why ?

10. #ASDAnet @ASDAnet Financial Realities You Need to Know in Order to Plan Income / Salary Student Debt Living Requirements “Big Picture” Requirements...

11. #ASDAnet @ASDAnet Do you Know Your Number? ** FACT - only 1 out of 100 dentists know the number or amount of money they must save each month to reach their goals and achieve their milestone events in their career

12. #ASDAnet @ASDAnet “Everyone says they know what to do, but the reality is, only a small few will actually ever do what they know” - Anthony Robbins -

13. #ASDAnet @ASDAnet Plans to Choose From: Student Debt Realities and Choices: You’ll have 10-25 years to repay your loans, depending on which repayment plan you choose. Standard Repayment Extended Repayment Graduated Repayment Income Contingent Repayment Income Based Repayment

14. #ASDAnet @ASDAnet Review The Big Picture (Map out your game plan) Visions Goals Strategies Tactics Tools --------------------------------

15. #ASDAnet @ASDAnet Strategies Tactics = Debt Repayment Plan Savings Game Plan Work Ethic Plan

16. #ASDAnet @ASDAnet Review The Big Picture (Map out your game plan) Visions Goals Strategies Tactics Tools --------------------------------

17. #ASDAnet @ASDAnet Tools = Financial Advisement Group who knows dentistry --RG CAPITAL-- Tax Strategist who knows dentistry 1. 2.

18. #ASDAnet @ASDAnet The sooner you have clear and detailed visions and goals, the quicker you will be able to map out your game plan... Then and only then can you choose your Strategies, Tactics and Tools to accomplish what you want

19. #ASDAnet @ASDAnet “When opportunity presents itself, the time to prepare has past”

20. #ASDAnet @ASDAnet Thank You! Todd Cockrell, DMD cockrellt@pacden.com