Current & Aspiring Practice Owners


Becoming a veterinary practice owner is a dream come true for many veterinarians. Practice owners enjoy high incomes and have many financial benefits available, but these benefits offer both challenges and opportunities toward building wealth. Our goal in working together is to help you maximize your cash flow, decrease your tax liability, and ensure you are properly protected, both personally and professionally.

We help provide guidance to current & aspiring practice owners through:

  • Maximizing your cash flow & take advantage of multiple sources of income
  • Ways to reduce overall student loan payments and plan for repayment or forgiveness
  • Formulating goals and accountability toward achievement
  • Creating a cohesive and coordinated investment strategy
  • Skillful tax planning to take advantage of tax breaks for practice owners
  • Retirement planning & college savings analysis
  • Properly insuring your income, assets, and business from unexpected events
  • Proactive Estate Planning
  • Open-Door Policy

If you are not yet a practice owner but working towards ownership, we can also assist with:

  • Bridging the income gap
  • Preparing necessary documents lenders request
  • Understanding how your student loans affect the lending process
  • Drafting the components of a business plan
  • Assembling a support team (lender, accountant, lawyer, etc.) to set you up for success

We also encourage you to download our Veterinarian’s Guide to Personal Finance: 7 Actions to Take When You Want to Own Your Own Practice for additional information on how to prepare your finances for practice ownership

Take the First Step

You can contact us with any questions you have or help that you may need.

Contact VetWorth
Are you a veterinarian considering independent practice ownership? At FivePoints, we specialize in helping veterinarians on their path toward becoming a practice owner (and current practice owners!).

When you work with us, you can expect a collaborative relationship where we'll work together to prepare and organize your personal finances, develop your vision and business plans, and assemble your support team to set you up for success!

You are passionate about providing the best care possible for your patients, and could not imagine working in another profession. But between being burdened by student loans, high debt-to-income ratios, and burnout, you wonder what the future holds for you in veterinary medicine.

You may be asking yourself:

  • Is practice ownership something I should consider?
  • Am I able to become a practice owner with high student loan debt?
  • How do I even begin the process of purchasing or starting a practice?
  • Should I sacrifice savings today to pay down student loans?
  • Who can I trust to join me on my financial journey?

    At FivePoints, our specialization in working with veterinarians provides us with unique insights into the veterinary profession and equips us with the resources necessary to deliver expert advice customized to your individual circumstances. We welcome you to schedule an Introductory Call to see how we can work together to help you succeed.

  • Image


    Associate, Emergency, Relief, and Specialty Veterinarians

  • Lifestyle Cash Flow Management
  • Student Loan Planning
  • Goals Visualization
  • Coordinated Investment Advice
  • Skillful Tax Planning
  • Retirement/College/Savings Planning
  • Risk Management (Life, Disabiity, Liability)
  • Proactive Estate Planning
  • Open-Door Policy
  • If you are exploring practice ownership, we'll also provide:

  • Assistance in preparing financial statements requested by lenders
  • Advice on how debt may impact your purchase/start-up decision
  • Insight into evaluating lenders and what documents/information they need
  • Guidance with developing your vision and business plan, and knowing your 'why'
  • Collaboration with assembling your support team on the path to success!
  • Veterinary Practice Owners/Managers

    In addition to the services listed above, we provide the following advice for practice owners/managers:

  • Setting up retirement plans and exploring employee benefits to improve retention
  • Ensuring proper business insurance policies are in place and adequately covered
  • Organizing your accounting procedures
  • Improving your work/life balance
  • Increasing practice efficiencies
  • Operating a more profitable practice
  • What can you expect when working with FivePoints?

    Our collaborative and modular approach to financial planning allows for more productive meetings without feeling overwhelmed. During the initial year, you can expect 4-6 meetings focused on particular areas of your finances and goals. Once your financial foundation has been established, subsequent years consist of 3-4 meetings where we will review and adjust as necessary, but still maintaining our open-door policy and communications.


    Our fees are calculated based on a combination of income, marketable net worth, and complexity. We operate on a fixed-fee annual retainer basis, payable either monthly or quarterly. The minimum annual fee is $3,000 for non-owner veterinarians, and $5,000 for practice owners, with an initial engagement fee of $750.

    Have a Question?

    You can contact us with any questions you have or help that you may need.

    Contact FivePoints