Accumulating Wealth

Hosts Hunter Satterfield and Judson Crawford are seasoned CPA's, and long time friends. Together they go in depth on financial topics that are pertinent to business owners, including tax planning, investing, personal financial planning and more. Each season focuses on an over-arching topic, and each episode they dive in——helping you make better decisions for yourself and your business every day. Tune in every week on Tuesdays for a new episode.

Ep. 238: Can You Afford an Associate? 06/17/2025

Ep. 238: Can You Afford an Associate? Beyond salary considerations, what does adding an associate doctor to your practice actually cost? A guest joins this episode to break down fixed and direct costs, staff and infrastructure estimates when bringing on an associate. Whether you’re looking to grow production or make a transition, these factors are crucial in budgeting a new investment in the practice. LINKS | | /episode/index/show/cainwatters/id/37029560

Ep. 237: Time Is Your Biggest Asset 06/10/2025

Ep. 237: Time Is Your Biggest Asset Unless they are pursuing a finance degree, many students aren’t taught the basics of how money grows and how to manage this growth effectively. Joined by two attendees of the 3to1 Foundation’s Accumulating Wealth Seminar, the guys dive into the most important topics for students to learn when starting their financial journey and how to further educate themselves to make the most of their biggest asset — time. LINKS | | /episode/index/show/cainwatters/id/36922580

Ep. 236: Is Top-Line Growth Enough? 06/03/2025

Ep. 236: Is Top-Line Growth Enough? Ever wonder how your practice’s collections, expenses and profitability compare to other like-sized practices of the same specialty? Two guests join to explore CWA’s new How Does Your Dental Practice Compare? Report, and discuss what trends emerged last year, how to use the data as a guide to reevaluate your practice’s costs and actionable changes to make going forward this year. LINKS | | /episode/index/show/cainwatters/id/36817385

Ep. 235: Finding Individualized Financial Advice 05/27/2025

Ep. 235: Finding Individualized Financial Advice Is the best financial advisor the one with the most letters behind their name or the most years under their belt? Picking the right advisor requires consideration of their trustworthiness, expertise and ability to tailor a financial plan to your unique needs. The guys offer guidance on navigating the search for an advisor that fits your financial plan. LINKS | | /episode/index/show/cainwatters/id/36693275

Ep. 234: Auto Loans, Leases and Financing 05/20/2025

Ep. 234: Auto Loans, Leases and Financing When it comes time to purchase your next car, should you lease, buy or finance it? It depends on how long you intend to own the vehicle, what works best for your finances, and whether you can write it off as a business deduction. Hunter and Judson walk through the best ways to navigate auto payments and what fits your financial plan. LINKS | | /episode/index/show/cainwatters/id/36627670

Ep. 233: International House of ... Stagflation? 05/13/2025

Ep. 233: International House of ... Stagflation? In the last five years, IHOP has experienced 82% inflation. But where do international stocks and housing markets across the country stand? The guys are diving into the recent Fed meeting, stagflation outlook and the emotional nature of the markets. LINKS | | /episode/index/show/cainwatters/id/36542280

Ep. 232: Growing Patients: Pediatric Trends 05/06/2025

Ep. 232: Growing Patients: Pediatric Trends The new Pediatric Practice Comparison Report is now available, with crucial insights on production, marketing, new patient acquisition and staff salaries. The guys dive into what the data means for the rest of the year and how market uncertainty may play a role in pediatric practice trends. LINKS | | /episode/index/show/cainwatters/id/36443445

Ep. 231: The Psychology of Money 04/29/2025

Ep. 231: The Psychology of Money Effective money management goes beyond the numbers. Factors like risk, luck and abundance influence people’s perception of money and, in turn, their financial decisions. Two guests join this episode to discuss highlights of The Psychology of Money by Morgan Housel and how understanding the money mindset can propel your financial plan. LINKS | | /episode/index/show/cainwatters/id/36343245

Ep. 230: Recession Investment Strategies 04/22/2025

Ep. 230: Recession Investment Strategies Is there a step-by-step plan to recession-proof your savings? The guys dive into the best investment strategies to focus on as the market indicates a possible recession, including tax-loss harvesting, international stocks and Roth IRAs. But one tip stands above the rest: stay the course. LINKS | | /episode/index/show/cainwatters/id/36251070

Ep. 229: Market Whiplash and CPI 04/15/2025

Ep. 229: Market Whiplash and CPI Last week, a startling market drop was followed by a sudden surge. What led us to get to this point, and how will the global trade system impact the market moving forward? The guys discuss the latest on market whiplash and what the newest CPI numbers are telling us. LINKS | | /episode/index/show/cainwatters/id/36128820

Ep. 228: Shifting Into High Gear: Ortho Trends 04/08/2025

Ep. 228: Shifting Into High Gear: Ortho Trends The new Orthodontic Comparison Report is here, with more extensive insights and metrics than ever before. The guys are reviewing the major takeaways, from payment term trends, a surge in marketing efforts and increasing staff wages. But where does your practice stand? Do your yearly goals need adjusting? LINKS | | /episode/index/show/cainwatters/id/36040785

Ep. 227: Liberation Day: Tariffs Update 04/07/2025

Ep. 227: Liberation Day: Tariffs Update Last week, the markets saw a huge dip due to the announcement of the most sweeping tariff hikes since 1930. With most indexes down and uncertainty ruling the stock market, where does that leave your investments? A guest joins the guys to discuss why the market reacted the way it did, recession signs to look out for and next steps for your portfolio. LINKS | | /episode/index/show/cainwatters/id/36009400

Ep. 226: Breaking Down Your Profitability (Part Two) 04/01/2025

Ep. 226: Breaking Down Your Profitability (Part Two) In the second part of the practice profitability formula series, the guys dive into the second half of the equation: collections and overhead. From managing accounts receivable to making fee adjustments and reducing spending, the collections and overhead portion of the equation can make a significant impact on your practice’s profitability. LINKS | | /episode/index/show/cainwatters/id/35943360

Ep. 225: Breaking Down Your Profitability (Part One) 03/25/2025

Ep. 225: Breaking Down Your Profitability (Part One) Focusing solely on one area of your business won’t significantly increase practice profitability. Instead, making gradual improvements to all areas of the dental practice will make the biggest impact in boosting profitability. A guest joins this episode to break down the components of the profitability formula and the areas to prioritize to start seeing growth. LINKS | /episode/index/show/cainwatters/id/35843315

Ep. 224: And the Theme for This Year Is... 03/18/2025

Ep. 224: And the Theme for This Year Is... This year already seems to be presenting a new theme for itself: tariffs. The economy is responding to this uncertainty with swinging stocks, even for the S&P 500, NVIDIA and small caps. In addition to discussing the effects that long- and short-term tariffs can have, the guys dive into the latest on women-led investing, recent crypto trends and long and short betting. LINKS | /episode/index/show/cainwatters/id/35726225

Ep. 223: Threading of Community and Culture 03/11/2025

Ep. 223: Threading of Community and Culture Between corresponding keynote speakers, ever-evolving breakout sessions and insightful panel discussions, this year’s Annual Meeting was one for the books. A special guest joins this episode to recap main discussion topics. LINKS | /episode/index/show/cainwatters/id/35610910

Ep. 222: AI Trends in Dentistry (Live from CWA Annual Meeting) 03/04/2025

Ep. 222: AI Trends in Dentistry (Live from CWA Annual Meeting) Some may perceive AI as a tool that undermines the quality of human interaction. But what if AI can help streamline more effective relationships with patients? In their yearly tradition of live recording an episode at the CWA Annual Meeting, Hunter and Judson invite a guest to discuss the future of AI in dentistry to develop meaningful patient interactions. LINKS | /episode/index/show/cainwatters/id/35515420

Ep. 221: Tariff Talk 02/25/2025

Ep. 221: Tariff Talk Tariffs are a hot topic in local and global politics right now. Though tariffs are inflationary, the guys discuss how the long-term outcome of encouraging American manufacturing may outweigh the side effects of the short-term transition period. LINKS | /episode/index/show/cainwatters/id/35416225

Ep. 220: How Did We End Up Here? 02/18/2025

Ep. 220: How Did We End Up Here? New practice construction can be a costly asset to add to your financial plan. Is it the right move though? The guys cover a topic smorgasbord this week, from ground-up construction costs, capital market expectations, what the latest CPI report means and more. LINKS | /episode/index/show/cainwatters/id/35314715

Ep. 219: DSOs and Private Equity Transitions 02/11/2025

Ep. 219: DSOs and Private Equity Transitions What’s the DSO market look like? Is now the right time to sell, or is there something worth holding off for? Though there is no way to predict the future market, past performance can help explain the current trends. The guys are joined by two special guests to dive into timing a DSO or private equity sale and when is the right time to transition your practice. LINKS | /episode/index/show/cainwatters/id/35227495

Ep. 218: Every Penny Counts 02/04/2025

Ep. 218: Every Penny Counts DeepSeek has made a big splash, bringing a shift to the technology of AI and impacting the tech section of the S&P 500. The Fed is taking a pause, responding to the state of inflation and preparing for the impact of new tariffs. The guys dive into this and more in another episode of topic smattering. LINKS | /episode/index/show/cainwatters/id/35103860

Ep. 217: Policy and The Broader Market 01/28/2025

Ep. 217: Policy and The Broader Market With a new president in office, what does the future hold for infrastructure spending, inflationary policies and data centers? A guest joins the guys to discern how potential policies and technological developments may impact the broader market. LINKS | /episode/index/show/cainwatters/id/35035360

Ep. 216: New Year, New Predictions 01/22/2025

Ep. 216: New Year, New Predictions Though it’s impossible to accurately predict everything that will happen in the market in the coming year, Hunter and Judson don’t shy away from the challenge as they take a stab at their 2025 predictions. From Fed rates to AI and, of course, Super Bowl picks, who do you agree with in this year’s lineup? LINKS | /episode/index/show/cainwatters/id/34898765

Ep. 215: How Did 2024 Hold Up? 01/14/2025

Ep. 215: How Did 2024 Hold Up? Between football, market performance and Fed cuts, last year provided some expected and unexpected happenings. The guys are revisiting the predictions they made for what would happen in 2024 and how they held up against what the year brought. LINKS | /episode/index/show/cainwatters/id/34804560

Ep. 214: Preparing Your Estate Plan 01/07/2025

Ep. 214: Preparing Your Estate Plan The new year is a perfect time to get a head start on your estate plan. Depending on the size of your estate, strategies and tax planning will look a little different. A guest joins the guys to discuss the importance of establishing an estate plan, a list of documents to include and when your current estate plan may need updating. LINKS | /episode/index/show/cainwatters/id/34744725

Ep. 213: New Year, New Financial Resolutions 12/31/2024

Ep. 213: New Year, New Financial Resolutions The new year brings spikes in gym memberships and travel plans, but what about financial resolutions? The guys help you set your financial goals for the new year, from updating estate plans, adding new saving strategies, credit monitoring and more. LINKS | /episode/index/show/cainwatters/id/34531420

Ep. 212: All I Want for the Economy 12/24/2024

Ep. 212: All I Want for the Economy In this special holiday episode, the guys are going through their wish list for the economy in 2025. Hoping Sanra will bring them tax reform, easing of long-term rates and wholesale insurance reform, they also discuss how the new administration may bring changes for the upcoming year. LINKS | /episode/index/show/cainwatters/id/34488725

Ep. 211: Get Financially Organized this New Year 12/17/2024

Ep. 211: Get Financially Organized this New Year Getting financially organized can feel overwhelming when done at the last minute, so preparing ahead of time for the upcoming year is crucial. Not only will setting a cadence of payments and document submissions help your advisor, but it will also help you make the most out of your financial plan. LINKS | /episode/index/show/cainwatters/id/34472105

Ep. 210: Pay or Save Student Loan Debt 12/10/2024

Ep. 210: Pay or Save Student Loan Debt Student loan debt can be daunting, as it stays with you for years post-graduation and there are several philosophies on how to work payments into your financial plan. The guys are joined by a special guest to discuss PAYE versus SAVE payment plans, average rates and considerations of refinancing your loans. LINKS | /episode/index/show/cainwatters/id/34315795

Ep. 209: Holiday Budgeting 12/03/2024

Ep. 209: Holiday Budgeting The holiday season is here, bringing a time of joy and giving, but for some, it’s a budgeting nightmare. With seemingly endless gifts to buy, setting boundaries around how much you’re spending can be a difficult task. The guys offer tips on setting a holiday budget and sticking to it. LINKS | /episode/index/show/cainwatters/id/34247260

Accumulating Wealth

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