2018 SKCDS Winter Membership Quarterly

MEMBERSHIP

Quarterly WINTER 2018

VOL 16 / ISSUE 3

inside...

The President’s Message Thanks Gala Donors 2018-2019 Society Elections 1111 Har vard Avenue Seattle, WA 98122-4205 206.448.6620 www.skcds.org 2018 SKCDS WINTER QUARTERLY l 1

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2 l 2018 SKCDS WINTER QUARTERLY

Heidi Horwitz

Dr. Heidi Horwitz, West Seattle Orthodontics

Seattle-King County Dental Society Membership Quarterly Managing Editor: Ms. Sandra R. Anderson Contributors: Mr. Anthony Baruffi Ms. Jennifer L. Freimund

WINTER 2018 Volume 16, Issue 3

CONTENTS

President’s Message with Dr. Craig Neal ................................................................ 4 Member Profile .............................................................................................. 5 Women in Dentistry 2018: Reaching out to King County ...................................... 7 Publisher: Bill Newcomer, BNC Printing & Graphics, Vancouver, WA Welcome New Members .................................................................................. 9 COMMUNICATIONS COMMITTEE 2017 Seattle-King County Dental Foundation Gala - The Black & White Ball ................10 Dr. Shane Ness, Chair Raise the Brush!............................................................................................11 Dr. Victor Barry Electronic Voting for 2018 – 2019 Election.........................................................12 Dr. Daniel Geare Obituary for Richard P. Ferguson, DDS, MSD......................................................13 Dr. Molly McIntosh Smart Strategies........................................................................................... 14 Dr. Christopher Pickel

Dr. Oleg Shvartsur SKCDS New Dental Program ...........................................................................16 Dr. Douglas Walsh Top 15 Mistakes Employers Make..................................................................... 18 Dr. Judson Werner Annual Officer Installation............................................................................... 19 Answers to The Top Collection Questions ............................................................20 OFFICERS New Directory on the Website ...........................................................................21 Dr. Craig E. Neal, President Dr. Kirk E. King, President-Elect Exposures with Dr. Al Munk............................................................................ 22 Dr. Timothy A. Hess, Past-President THANK YOU TO OUR ADVERTISERS Dr. Joe Vaughn, Secretary Dr. Lisa Egbert, Treasurer Constantine Builders ........................................................................................2 AFTCO Vern Frickel ........................................................................................6 EXECUTIVE COUNCIL Sleep Apnea and Facial Pain Center ................................................................. 7 Dr. Ryan M. Fox, Executive Council 2018 Garde Capital - Tony Baruffi, CFA ........................................................................8 Dr. James W. Reid, Executive Council 2018 OMNI Group....................................................................................................8 Dr. Amanda Spivey, Executive Council 2018 O’Brien Dental Lab............................................................................................9 Dr. Shane T. Ness, Executive Council 2019 WDIA ...........................................................................................................10 Dr. Noah E. Letwin, Executive Council 2019 Keller ~ Rohrback Law Firm.............................................................................11 Dr. Austin Baruffi, Executive Council 2020 Katharine Christian DMD - Sleep Apnea and Snoring ................................................16 Dr. Imahn Moin, Executive Council 2020 Ann Durham Attorney at Law ........................................................................... 17 Ms. Jennifer Freimund, Executive Director Home Owners Club ........................................................................................17 Change of Address: To ensure continued receipt of issues, change of NORDIC .................................................................................................... 17 address must be reported to: SKCDS Central Office, 1111 Harvard AFTCO.......................................................................................................... 21 Avenue Seattle, WA 98122-4205, as soon as possible -Dental Group LLC............................................................................................23 206.448.6620. Email: skcds@skcds.com Nakanishi .....................................................................................................24 The information in this publication is for the exclusive benefit of SeattleKing County Dental Society members. Neither the Society nor the publisher makes any express or implied warranties as to the information herein, including the contents of any advertising. Opinions in the Quarterly do not necessarily express the official policies of the Seattle-King County Dental Society, nor the opinions of the editor, unless so stated. Publications of advertising is not an endorsement, qualification, approval or guarantee of either advertisers or product.

For advertising and publishing details, contact: Mr. Bill Newcomer, BNC Printing & Graphics, 503.318.5916, 360.573.1201, bill@bncprinting.com; www.bncprinting.com

Cover Photo: Left: UW School of Dentistry ASDA students Right: Dr. Lisa Egbert and a friend 2018 SKCDS WINTER QUARTERLY l 3

The

President’s Message

Dr. Craig Neal

IT’S A BRAND NEW YEAR: Lots of Changes Ahead!

Happy New Year!

2018 promises to be a busy year for all of us. Much of what lies ahead began in 2017. WDS member dentists from around the state participated in special meetings with Delta Dental leadership. WDS member dentists gained a solid victory in our pursuit of common-sense bylaws amendments. In fact, both slates of proposed amendments passed with more than 91 percent of the over 2,300 votes cast.

advocacy text alert system. By enrolling, you will receive call-to-action texts that allow you to contact your legislators directly from your cell phone regarding critical dental advocacy issues the moment they arise. Please sign up today!

Your Dental Foundation had a successful Gala and Auction in November.

During 2018, we will be looking at ways we can leverage the Foundation and its resources to increase the visibility of all the charitable work that our members do throughout the year. We are in discussions with the newly reformatted Washington State Dental Association Foundation (WSDAF)—formerly the Washington Oral Health Foundation—about ways through which we can educate legislators, the media and general public about all that dentists are already doing to remove barriers to accessing dental care. We are looking at mobile dentistry initiatives and other ways in which we can promote the work of our dentist members. Stay tuned for more updates on this important effort.

I have one last change to report to you. Our executive director of the past 12 years, Jennifer Freimund, has announced her intention to retire. We are grateful for her many years of service to the Dental Society, Dental Foundation, Physicians & Dentists Credit Bureau and organized dentistry. She arrived with a four page list of specific goals and strategies to improve and strengthen the Society which she began implementing immediately. Working closely with volunteer leadership, she has helped both the Society and Foundation define their missions and goals, updated technology (like working with the ADA to provide online class registration and a website that allows members to go between all three levels of the tripartite), figured out a way to provide four free membership meetings each year and increased non-dues income substantially. In my opinion, she has expertly helped the SKCDS achieve its goals of advocating for the profession, coordinated meetings and CE courses, run multiple successful Galas that have helped contribute to oral health throughout King County, gotten our financial position organized and in the black, kept the ever changing boards focused and efficient, and constantly been a kind and delightful person to interact with during my time working with SKCDS. We have formed a search committee that has actively begun the search process for a new ED. Jennifer has agreed to stay on as executive director until we have selected her replacement and a smooth transition has occurred—which we anticipate will happen later this Spring. We will continue to update you on the search process, and I know you will join me in wishing Jennifer well.

These resounding vote totals reflect many hours of hard work by Delta member dentists, including many WSDA members: contacting colleagues, gathering proxies and attending the meeting. These WDS member actions have sent a clear message to Delta Dental about the need to be more patient-focused, more transparent, and more responsive to its member dentists. Many of you read the editorial that I sent into the Seattle Times and have been discussing the In closing, 2018 promises to be an interesting year. Won’t you join our efforts? issues raised with your patients. The year ahead will bring new efforts to ensure Get informed and get involved! If you have any questions or ideas, shoot me an our message to Delta is heard, and we will do our best to keep the membership email at drcraig@nealoms.com. I would love to hear from you. informed of developments. To that end, we encourage you to read our weekly e-newsletter (usually sent on Tuesdays) to keep informed.

Legislatively, we continue to need your help as some of the issues raised in the 2017 session will likely reappear. The 2018 Washington legislative session will be a short one, but we must continue our vigilance and advocacy on behalf of our profession. If you were unable to attend Dental Action Day on January 25th and/or want to stay on top of how you can reach your legislator after DAD, text the word “WSDA” to the phone number 52886 to enroll in WSDA’s new 4 l 2018 SKCDS WINTER QUARTERLY

Dr. Craig Neal

MEMBER PROFILE My name: Kal Klass 1. Childhood ambition: To be a dentist.

2. Fondest Memory: I’m lucky, too many to choose.

3. What was your first LP or CD? Steve Miller Band 4. Wildest Dream: To climb Mount Everest.

5. Proudest Moment: Climbed Mount Rainier. That was as high as I ever got.

7. First Job: Detasseling corn in the corn fields of Iowa, at age 14.

8. Favorite Movie: My Best Friend’s Wedding. No one has a smile like Julia Roberts.

9. What is your idea of perfect happiness?

Being in the woods.

10. Which historical figure do you most identify with? John Adams 11. Which living person do you most admire? My wife, of course!

12. What is your greatest extravagance? Eating fresh baked chocolate cake while it’s still warm.

13. What do you dislike most about your appearance? Having to wear glasses.

14. If you could choose what to come back as, what would it be? A bird, probably some kind of raptor like an eagle or a red tail

hawk. Gliding on hot air for a long time must be incredible.

15. What is your most treasured possession? I better say my wife again.

I think she might read this. But if she doesn’t read this,

I would have to say our two cats. We’re both animal lovers.

16. What do you most value in your friends?

Honesty and hard work.

17. Who is your favorite hero of fiction? I read mostly non-fiction.

18. Who are your heroes in real life?

Family, especially my siblings.

2018 SKCDS WINTER QUARTERLY l 5

6 l 2018 SKCDS WINTER QUARTERLY

WOMEN IN DENTISTRY 2018: REACHING OUT TO KING COUNTY SKCDS continues to adapt to what our membership wants and initiate new opportunities for our members to come together. On January 6th, we hosted a Saturday morning event that was both fun and educational. In preparation for Give Kids a Smile and Oral Health month, we offered women members the chance to come together and learn about how they can reach out to their community with the message of good oral health. Pediatric dentist, Dr. Stephanie Su, shared tips on speaking to groups of kids and how to make the presentation fun and meaningful. There were opportunities to share ideas in small groups and meet with other women dentists. One CDE credit was awarded to attendees, as well. Light refreshments were served. Additionally, SKCDS staff offered sign-ups for GKAS (Give Kids a Smile) “goody bags” that members can hand out at their community outreach.

In February, SKCDS will be participating in the eighth annual Enumclaw STEM (Science Technology Engineering & Math) Expo. We will be reaching out to kids in the south King County area with information on careers in dentistry and the science behind oral health! Female members are welcome to volunteer. We will be staffing a booth during the event, which goes from 4:00 – 7:30 PM on Thursday, February 8th. Both of these events provide opportunities for collegiality and reaching our larger community with information on dentistry and dentists’ care for the community.

It is no secret that women are the fastest growing demographic in dentistry. As we look for ways to attract and retain members, we need to look at what our female members want out of their membership and participation in organized dentistry. We are certainly seeing this in the greater Seattle area. At the same time, women are one of the most likely groups to drop their membership. If this trend persists, we will see a significant decrease in overall membership numbers for women. (continued on page 8)

Dr. Katie Rosstich at the WID event in January

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Tony Baruffi, CFA (continued from page 7) Sometimes it can be so easy – and fun – to make a difference! What members want is more opportunity to connect personally and professionally while giving back to the larger community. The Committee discussed ideas for programming in 2018 and came up with two ideas that seem to address members’ current needs and interests. The Task Force members include Drs. Lisa Egbert, Rica Mackert, Audrey Tatt, Stephanie Su, Miki Suetsugu and Kim Winton. If you are interested in participating on the Task Force,attending an event or if you just have questions, please feel free to contact Sandra Anderson, director of member services, at sandra@skcds. com or 206.448.6620.

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COMING SOON—Whidbey Island, Lake Chelan, Pierce County

Please welcome our new members AUGUST Dr. Olivia Acosta Dr. Kate Goldberg Dr. Marc Horton Dr. Jonathan Huang Dr. Kuei-Ching Hung Dr. Sarah McDonald Dr. Aarika Mitchell Dr. Mona Nejad Dr. Kenechukwu (Ken) Nwankwo Dr. Ryan O’Donnell Dr. Javid Osafi Dr. Kathryn Padilla Dr. Rami Salha Dr. Matthieu Sullivan Dr. Allan Wattimena

SEPTEMBER Dr. Doosu Baik Dr. Randy Bell Dr. James Day Dr. Ghazai Dibaji Dr. Changning (Cindy) Du Dr. Arshdeep (Ashley) Gill Dr. Ji Won Gwak Dr. Oveys Hedayati Zafarghandi Dr. Cristina Kendall Dr. Jessica Kennedy Dr. Jaime Lee Dr. Jorge Peralta Dr. Sun Young Song Dr. Scott Sullivan

OCTOBER Dr. Shamsi Bhanji Dr. John Cheng Dr. Jessica Emard Dr. Samuel Finkleman Dr. David Ford Dr. Nadia Fugate Dr. Yogesh Goel Dr. Simone Kim Dr. Soojin Kim Dr. Samantha Kofler Dr. Elizabeth Manchester Dr. Mina Moazzeni Dr. Laura Moon Dr. Negin Nazarian Dr. Sofia Petrov

Dr. Kimchi Phan Dr. Mindy Sessions Dr. Jonathan Su Dr. Lance Timmerman Dr. Cindy Tseng Dr. Monica Wattimena Dr. Jong Yoon NOVEMBER 2017 Dr. Timothy Bachman Dr. Kimberly Dean Dr. Hardeep Dhaliwal Dr. Charlene Diemandezi Dr. Holly Eydenberg Dr. Jesse Hwang Dr. Tanaya Kumar Dr. Ivy Lin

Dr. Ann Tran-Dilay Dr. Ya-Chun Wang DECEMBER Dr. Kelly Anderson Dr. Beau Bent Dr. Daniel Dupuis Dr. Kwang-Jin Hahn Dr. Ashwini Khante Dr. Lily Kwee Dr. Samantha Lee-Chiu Dr. Mandy Louis Dr. Kari Mann Dr. David (Robby)Primrose Dr. Soleil Roberts Dr. Susan Willis

Members of SKCDS are encouraged to invite non-member dentists who are practicing in King County to join the Dental Society. A quick call to the WSDA Office at 206.973.5210 is all that is needed for them to apply for membership at all three levels: Seattle-King County Dental Society, Washington State Dental Association and the American Dental Association.

2018 SKCDS WINTER QUARTERLY l 9

2017 Seattle-King County Dental Foundation Gala - The Black & White Ball On Saturday, November 4th, the Foundation held its annual Gala. 2017 represents the 25th anniversary of the founding our Foundation, and we celebrated in fine style! Our theme allowed for some wonderful outfits and our guests had a terrific time!

Held on the Eastside for the first time in our history, the Bellevue Grand Hyatt was the setting for some fast and furious bidding on items ranging from a pass for two to New York’s Fashion Week to some stunning Preston Singletary artwork. At press time, we are still tabulating results; but, it looks like it was a very successful event that raised over $75,000 towards improving access to dental care in King County.

We want to thank the Raise the Brush donors you will find on page 11 as well as our generous sponsors. Please join us in thanking our Premier sponsors: Big Sky Northwest, Brookside Dental, Constantine Builders, Swedish Medical Center Foundation and Washington Dentists’ Insurance Agency. We are also grateful to our Underwriter sponsor, NORDIC, and our Gold sponsors of Burkhart Dental Supply, Freiheit & Ho Architects, Northwest Kidney Centers, Pacific Continental Bank and The Dental Group. Finally, we are grateful for the in kind donations from Max Technologies. We could not have done this without them!

Drs. Katie Kim, Lina Kim and friends

Last but not least, we wish to thank our Event Planning Committee Co-chairs, Dr. Tim & Ms. Lisa Hess and the other Committee members: Dr. Franco Audia, Mr. Robert Brown, Dr. Cynthia Pauley, Dr. Princy Rekhi, Dr. Karen Sakuma, Ms. Lori Saleba, Dr. Amanda Spivey, Dr. Nina Svino and Dr. Amy Winston.

Stay tuned for details regarding our next Gala!

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Raise the Brush

At our November 4th Seattle-King County Foundation Gala, so many of our guests generously supported our “Raise the Brush” effort. The Foundation continues to work on removing barriers to accessing dental care. Our Foundation makes a difference. A BIG thank you to the following donors: $2,500 Level Dr. Karim & Alicia Alibhai Dr. David & Crystal Molen Dr. Sun and Dr. John Pastor Dr. Princy & Dr. Gulbaden Rekhi Dr. Barton Soper & Jonathan Villalobos $2,000 Level Dr. Nick Yeung $1,000 Level Dr. Dawn Bova Dr. John and Brenda Bush Dr. Amy Cook & Ken Thomas Dr. Timothy & Lisa Hess Dr. Tom & Haesup Holt Dr. Norah Hoverson & Derek Mallory Dr. Patricia & Dr. Gilbert Pauley Dr. Brie Roloff-Chiang & Dr. Ryan Chiang Dr. Young & Christopher Suh Dr. Negar Sherkat & Dr. Darin Vierra $500 Level Dr. CR & Marianne Anderegg Dr. Kristi Donley Jennifer Freimund & Robert Lammert Dr. Kevin & Dr. Beatrice Joe

Bracken & Kate Killpack Dr. Christine Kirchner & Jason Little Dr. Paul Lederman & Rand Perez Dennis Marvel & Mary Fremont Dr. Randall Ogata & Wendy Alexander Brent & Heidi Reys Dr. Jeff & Shelly Schur Dr. Stephanie Su & Dr. Ohie Charoenkul Dr. Audrey & Jeff Tatt Dr. Doug & Nancy Trippel Dr. Amy & Travis Winston Dr. Nick Yeung $250 Level Gary Davis & Rod Shutt Dr. Ross & Deanna Fraker Dr. Sarah Fraker & Jim Jensen Matthew & Megan French Geoffrey & Madeline Haydon Dustin & Alexandra Long Dr. Jim Stephens & Debra Santos Dr. Thunya & Brandon Walker Dr. Nick Yeung

$100 Level Gary Davis & Rod Shutt Dr. Gabe & Kim Don-Sing Matthew & Megan French Stacy Hammonds Geoffrey & Madeline Haydon Dr. Norah Hoverson & Derek Mallory Christel LaFollette Dustin & Alexandra Long Dr. Carrie Magnuson Dr. Isabel Perez Lori & Gary Saleba Dr. Amanda Spivey Dr. Jim Stephens & Debra Santos Dr. Frankie & Adrianne Sulaiman Dr. Shokofeh & Jay Tabaraie Dr. Jennifer Tung Nathan & Christa Tuttle Dr. Lauren Vainio & Kyle Butler Dr. Jonathan Vo Dr. Thunya & Brandon Walker Josh & Eleanor Walters CJ Williams Dr. Nick Yeung

We also want to give a great big shout out to Dr. Timothy Hess for all of his hard work on the video as a part of our Gala. Thank YOU!

2018 SKCDS WINTER QUARTERLY l 11

Electronic Voting for 2018 – 2019 Election and Installation Set for Tuesday, April 24, 2018 The response to electronic voting was so positive last year that your Dental Society will again be emailing you an electronic ballot to the email address at which you currently receive our weekly newsletter. (For those of you for whom we do not have an email address, please see the bottom of this article.) In accordance with the Seattle-King County Dental Society Bylaws, ballots for the 2018-2019 elective office openings will be emailed from the Central Office no later than April 10, 2018. Your ballot is individualized and can only be opened by you. You will receive two reminder emails after that initial ballot. Please vote and make sure your voice is heard!

The ballots must be cast by 5:00 p.m. on April 24, 2018, so they may be presented at the General Membership meeting to be held at Salty’s Restaurant on Alki on April 24th, beginning at 6:00 p.m. (Please see the registration form on our website at www.skcds.org and on page 19 of this publication.)

Please be sure to return your ballot by email prior to the deadline of April 24th. Ballots - electronic or paper - that are received the day following the election will not be counted. We want to hear from every member so please vote before the deadline!

The following (as of press time) is the slate to be presented by Dr. Austin Baruffi, Chair of the Leadership Committee: President-elect: One opening – one year term, automatically becomes President & three year WSDA Delegate term

Dr. Lisa Egbert, general dentist, Kenmore Executive Council: Three openings for 3 year terms

Dr. Libby Kutcipal, oral surgeon, Seattle

Dr. Rica Mackert, general dentist, Redmond

Dr. Amanda Spivey, general dentist, Kirkland Dr. Joe Vaughn, general dentist, Seattle

Delegates to the WSDA: Up to 6 openings for three year terms (seats set by WSDA in January based on membership)

Dr. Chapin Densmore, general dentist, Kirkland Dr. Negar Sherkat, general dentist, Bellevue Dr. Ryan Fox, general dentist, Kirkland Dr. Kyle Sorenson, oral surgeon, Kirkland Dr. Tim Hess, general dentist, Auburn Dr. Danny Tremblay, general dentist, Bellevue

Dr. Rica Mackert, general dentist, Redmond Dr. Joe Vaughn, general dentist, Seattle

Dr. Randy Ogata, orthodontist, Seattle Please note that the Bylaws state the Executive Council and Delegates to the WSDA candidates will appear on the ballot in a random order as drawn by the Leadership Committee Chair. This change was made to allow everyone an equal chance in elections when the election is contested.

During the general membership meeting on Tuesday, February 27th, Dr. Neal will open the floor for any additional nominations that a member would like to make. After that meeting, nominations will be closed.

Members for whom we do not have email addresses will have an individualized paper ballot mailed to their preferred address unless they asked to be removed from the ballot mailing list. Those members will need to either mail the ballot back to the Central Office or bring it to the meeting on April 24th. If you would like to receive an electronic ballot and you see from our Membership Guide that we don’t have an email address for you, please call us at 206.448.6620 before March 27, 2018 and provide an email address. The Executive Council thanks the members of the Leadership Committee for their efforts. Dr. Austin Baruffi chaired the Committee and Drs. Jeff Abolofia, Karim Alibhai, Libby Kutcipal, Imahn Moin, Robert Nieman, Kyle Sorensen, Judson Werner and Amy Winston participated.

BE ACTIVE IN YOUR SOCIETY… VOTE! 12 l 2018 SKCDS WINTER QUARTERLY

Obituary for Richard P. Ferguson, DDS, MSD Richard R. Ferguson died September 30, 2017 at his home in Seattle, Washington. He was 92. He graduated from the Meharry Medical College, Nashville, Tennessee, with honors in 1954. He had an orthodontic practice in Seattle for 28 years, after retiring from the United States Air Force with the rank of Colonel.

In his senior year at Meharry, he was selected for the USAF Senior Dental Program. Upon graduation he was again selected by the USAF to do a Rotating Dental Internship at Valley Forge Army Hospital. As a Lt Colonel, he was approved by the Air Force Institute of Technology (AFIT) to attend the University of Washington where he received his MS degree in orthodontics.

During Dr. Ferguson’s career in the USAF, he served in many capacities including Base Dental Surgeon, Chief of Oral Surgery, Chief of Orthodontics and Senior Consultant to the Surgeon General of USAF Europe. Upon his retirement from the USAF in November 1973, he was awarded The Legion of Merit for his “exceptional meteritorious conduct in the performance service to the Surgeon General.” Dr. Ferguson was very active with the dental community on a local, state and national level and served in many positions. He was a past president of the Seattle-King County Dental Society (SKCDS), the Washington State Dental Association (WSDA) and the Washington State Society of Orthodontics (WSSO). He was a trustee of the Washington Dental Service. Dr. Ferguson was founder and steering committee member with the Seattle Vocational Institute Dental Assistant Program, as well as the Seattle Central College Expanded-Function Dental Auxiliary Program. Former Governor Booth Gardner appointed him to the Washington State Dental Disciplinary Board where he served as a member and Chair.

Dr. Ferguson served as the Chair of the Smilemobile Advisory Committee, which provided dental care to children living in rural and underserved areas in Washington State. For his role in this community service, he was awarded The Bishop’s Award by the United Methodist Church Bishop Calvin McConnell.

At the University of Washington, Dr. Ferguson was a Clinical Instructor in Pedio-Ortho and Orthodontics and a facilitator in an ethics course. He served for many years on the School of Dentistry Admissions Committee. He was a Board member of the School of Dentistry Dean’s Club which gave him its highest honor, the Honorary Lifetime Member Award.

Dr. Joel Berg, former Dean of the UW School of Dentistry, remarked “Richard was one of our most illustrious alumni and most respected members of the Washington dental community. He was a powerful force for diversity and inclusion outside the UW School of Dentistry, as well as working to advance the cause of WSDA.” Other dental societies of which Dr. Ferguson was a member included the American Association of Orthodontics, Pacific Coast Society of Orthodontics, American Dental Association, American Orthodontic Society of West Germany and the International College of Dentists. He was a fellow in the Royal Society of Medicine, London, England. At the Goodwill Games in Seattle, he was a Consultant. He was a member of Omicron Kappa Upsilon National Dental Society, Kappa Alpha Psi Fraternity and the National Association for the Advancement of Colored People.

Dr. Ferguson had many firsts, both in his military career and the dental profession. Some of which include his being the first African American: 1) to attend graduate training offered by AFIT, 2) the first Colonel in the USAF Dental Corps, 3) the first graduate student in orthodontics at the UW, and 4) President of SKCDS, WSDA and WSSO. As an active member of the United Methodist Church, Dr. Ferguson was a member in the Sand Point Community UMC, served on the Conference Board of Ordained Ministry and was appointed by Bishop Elias Galvin to represent the UMC as the Institute for Ecumenical Theological Studies at Seattle University.

Dr. Ferguson is survived by his wife of 65 years, Phyllis Simons Ferguson and their four children, Norman Richard, Kay Madelyn, Jocelyn Patricia, and Jennifer Ann, and a grand-daughter, Alana Krstev Brenner (Manuel) of Berlin, Germany.

2018 SKCDS WINTER QUARTERLY l 13

SMART STRATEGIES

By Tony Baruffi

Disclaimer: We welcome articles from members and other experts on topics or treatment philosophies having to do with the practice of dentistry. These pieces do not represent the opinion of the Seattle-King County Dental Society, nor is the Dental Society advocating that you follow any recommendations offered here.

Rather, we seek to encourage thought and discussion among our member dentists. We welcome any letters to the editor in response to this feature; and, even more we would welcome articles on other topics you think maybe be of interest and are willing to submit. The Communication Committee reserves the right to edit or not publish any submissions.

While Seattle is a great place to live, dentists just starting out in the Seattle area face unprecedented challenges as they start their career. We set out to get a fuller picture of the obstacles dentists face when launching their businesses in the Seattle market, so that we could better understand how to meet those challenges head-on. To that end, we spoke with dozens of dental professionals in the greater Seattle area including academics, consultants, SKCDS board members, and dentists new to their careers as well as those close to retirement. Consistently, we heard concerns related to high student loan balances, how to mitigate taxes, and how to maximize savings.

So how do you overcome these challenges? Use a thoughtful, systematic approach to arrive at informed decisions, then recruit a team of professionals to help you achieve your goals. For a dentist just starting out, it may not make sense to pay the minimum fee of a comprehensive wealth manager. This does not mean that the dentist cannot use some of the strategies that a wealth manager would utilize to achieve financial success. Just as patients that brush, floss and get regular check-ups will have better oral health, a dentist that follows a wealth management plan with determination and commitment can achieve financial success.

Focus on the Goal It all begins with what may seem like a trivial exercise: write down your financial goals. For dentists right out of dental school, having at least a general idea of what their goals are makes all the difference. These goals can include: do I want work for myself or be an associate? What lifestyle do I want now and in the future? When do I want to retire and what do I want that retirement to look like? Once you have identified your own goals, you can then create a plan that addresses each goal and begin working towards them.

Debt Costs For dentists just out of school, debt costs can be one of their biggest financial worries. Many dentists today are graduating with debt well over $300,000. This, combined with lowered reimbursement rates from insurance companies and high practice costs in the Seattle area, can quickly make monthly budgeting a painful exercise.

When addressing the debt challenge, it is important to be aware of your options. Federal loan programs such as Pay As You Earn Repayment Plan (PAYE) and the Revised Pay As You Earn Plan (REPAYE) can offer real savings on monthly debt costs to borrowers with high debt loads and moderate incomes. To see if you might qualify for these government programs, the financial aid office at your dental school can be an excellent resource. Another resource is Take Charge America, a non-profit group that provides credit and student loan counseling. If government loan programs are not available, be sure to look for opportunities to refinance your student debt through companies such as SoFi and Earnest. Finally, when reviewing debt options, it is always good to get a second opinion. Don’t be one of those saddled with unneeded debt due to poor advice from a financial aid counselor or loan salesman.

Taxes If there is one thing that all dentists have in common regardless of where they are in their career, it is the desire to reduce their tax burden. Young dentists need to understand that there are many options on how to structure their compensation when starting out, and it can lead to dramatically different tax burdens. For instance, a dentist can set up an LLC, PLLC or S Corp, allowing him or her to receive compensation on a 1099 and avoid W2 earnings. The best way to navigate these decisions is to work with a tax professional that has specific experience working with dentists. The fees you pay to structure how you are paid can lead to dramatic differences in your tax burden.

Maximizing Investments Just as not everyone can be a better than average driver, not everyone can be a better than average investor. That said, by following some simple rules when investing, you will be well ahead of the majority of investors.

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(continued on page 15)

(continued from page 14)

The first rule is to not try and time the market. Studies in psychology and behavioral economics have demonstrated that humans put a greater emphasis on what gives us pain rather than what makes us feel good. While these behavioral tendencies have kept the human race from going extinct, they do not serve us well as investors. The desire to avoid losing money can lead investors to engage in behavior that is not in their best long-term interests. One of the worst examples of this is the desire to time the market. Many investment articles, news channels, and investment clubs are devoted to this practice, yet the sad truth is that it is exceedingly difficult, if not impossible, to do it on a consistent basis. The best course of action is to have an investment plan and stick to it. Stay invested over the long term, diversify as much as possible, and avoid making dramatic changes to your account based on news, forecasts or geopolitical events.

The next step is to make sure to keep you investment costs as low as possible. Studies have shown that the amount you pay in investment costs is inversely related to the performance of an investment. To put it simply, the more you pay in investment costs, the worse the performance. Keep that in mind the next time someone calls to sell you the latest hedge fund or private equity investment. Make sure you know and understand how much you are paying in fees and investment costs. Generally, the cost of an investment come in three forms: (1) Portfolio management fees, or the amount you pay an investment advisor to manage an investment account; (2) Investment fees, which can include mutual fund expense ratios and commission costs; and (3) Turnover and trading costs, which are tied to how much trading is done within the mutual fund or investment account. When reviewing your investment costs, a good rule of thumb is that all of your investment costs should add up to no more than 1%. If you don’t know how much you are paying, work with a qualified professional to get a breakdown of your costs.

Maximizing Savings Now that we know what to watch for in an investment, it is time to start saving. When starting out, make sure you have at least three months of expenses saved where you can easily access it. The goal is to use this money only in times of an emergency, not as a deferred spending account. A brokerage account with a balanced mix of stocks and bonds would be appropriate for this type of account.

Next, maximize your pre-tax savings. Retirement accounts such as a 401(k) savings plan or a SEP-IRA account allow you to save money on a pre-tax basis. For high income earners, this can be a significant benefit as it can enable you to avoid paying a Federal tax rate of close to 40%. If a 401(k) is not available, see if you are able to open a SEP-IRA to save money on a pre-tax basis. Again, this can be especially beneficial to high income earners, as these plans can allow a dentist to save up to $54,000 a year on a pre-tax basis while potentially lowering income-based debt payments.

Lastly, contribute to a Roth IRA. If you are single and make under $133,000 ($196,000 for married filing jointly), the IRS allows you to save another $5,500 each year into a Roth IRA, in addition to the money you already put into a 401(k) plan or SEP IRA. A ROTH IRA allows your post-tax savings to grow tax-free without having to pay any taxes on the investment growth. For dentists that are over the income limits, you can still contribute to a ROTH IRA through a ROTH IRA conversion. This involves putting money into a traditional IRA and then immediately transferring the money into a separate ROTH IRA account. It is important to be careful when doing a conversion of this nature to stay within IRS rules, but it can be an effective way to reduce the amount of taxes you pay on your investments.

Knowing the Path, and Walking the Path For a dentist just starting out, it can be easy to delay making financial decisions or to simply work with the first advisor that is recommended to you. Make sure you are working with a team that works together to help you achieve your financial goals. Just like a dentist cannot be an expert in every dental discipline (would you recommend a dentist that says he or she is an expert in endodontics, periodontics and orthodontics?), make sure you understand the area of specialization of the financial professional with whom you are working. Generally, this means working with a tax professional, an insurance professional, an attorney and an investment professional. Do not be shy to ask how that person is compensated. And finally, get a second opinion on how you are managing your finances. This is a great way to make sure you have not missed anything. By having a plan to reduce your debt and tax burdens and focusing on simple rules of investing, you can put yourself on a path to achieve your financial goals.

This article is not, and should not be regarded as, investment advice or legal or tax advice regarding any course of action.

Tony Baruffi CFA is a wealth manager at Garde Capital Inc. He focuses on providing wealth management solutions to successful dentists and their families in the Pacific Northwest. Together with his partners, Tony helps affluent clients address their five biggest concerns: preserving and growing their wealth, mitigating taxes, taking care of their heirs, ensuring their assets are not unjustly taken and charitable giving. Tony also works as a fiduciary to aid dental practices in managing their 401(k) plans effectively to meet the sponsors’ and their participants’ needs. Tony is a Chartered Financial Analyst and is a member of the CFA Society Seattle.

2018 SKCDS WINTER QUARTERLY l 15

SKCDS NEW DENTIST PROGRAM

BY THE NUMBERS

20: Average number of attendees at New Dentists programs in 2012.

41: Average number of attendees at New Dentists programs in 2017.

63: Number of young dentists attending our biggest-ever program held in January 2016 52: Number of attendees at our biggest-ever Happy Hour, October 2016 at The Ram in U-Village 9: Number of New Dentist Committee Chairs we have had since 2000.

The Seattle-King County Dental Society has long been known for our great programming aimed at our young members. Whether you are a new graduate, or you have recently moved to the Seattle area, there are a lot of ways to meet people and connect. More than just networking, our programs offer continuing education with a practice management focus.

We have made many changes in our programming over the past 7 years such as adding programs held at UW School of Dentistry (SOD), opening up programming to more dental students, creating Boot Camp, adding a student representative to the Committee, up-grading our marketing and promotion, seeking increased sponsorship support and adding Happy Hours. The numbers show that these improvements have been working. Our attendance has increased by 48% in the past 5 years!

Beginning in January you can take advantage of free continuing education. We will offer the follow events: • January 24, 2018 – Finance Panel featuring local dental CPAs. This program will be held at the SKCDS office on Capitol Hill, from 6:30 – 9PM.

SKCDS New Dentist Committee has included the following Chairs: Dr. Bobby Cohanim, 2000 Dr. Carrie York, 2001 Dr. Maryam Aminian, 2002 Dr. Edward Dolan, 2003 Dr. Garrick Lo, 2004 Dr. Princy Rekhi, 2005 – 2008 Dr. Amrit Burn, 2009 – 2014 Dr. Bradley Weinstein, 2015 - 2017 Dr. Austin Baruffi, 2017 – present.

KATHARINE CHRISTIAN DMD Diplomate of the ABDSM and the ABCDSM

• March 7, 2018 – Insurance Panel featuring Dr. Greg Ogata and Matt French of WDIA. This program will be held at the SKCDS office on Capitol Hill, from 6:30 – 9PM. • March 24, 2018 – New Dentist Boot Camp. An annual event focusing on starting your practice with advice from local experts. This program will be held near the SKCDS office on Capitol Hill, from 8AM – 1PM. • May 9, 2018 – Legal Panel with attorneys Scott Henderson, Joe Romberg and David Cohen. This program will be held at the UW SOD campus from 6:30 – 9PM. Specific room will be announced.

To register, or get more information please contact Sandra Anderson, director of membership services, at sandra@skcds.com or by calling 206.448.6620.

You can also register online through our New Dentist page in our “Members Only” section at our www.skcds.org.

16 l 2018 SKCDS WINTER QUARTERLY

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Physicians & Dentists

credit bureau

Answers To The Top Collection Questions For 2018

1. What information must I provide to P&D so the account will go on the patient’s credit report? Accounts submitted for collection must include the RESPONSIBLE PARTY’S date of birth and/or social security number in order to be credit reported.

2. If I have a patient that is 18 years old, who is responsible for the bill? All charges incurred after the patient’s 18th birthday are no longer chargeable to the parents. The 18 year old is the RESPONSIBLE PARTY. For the parent to be held responsible, a financial responsibility form must be completed, signed and dated by the parents after the patient’s 18th birthday and prior to any charges.

3. If I turn an account over to collection and I receive a payment from the patient’s insurance company, is it important to tell P&D? In order to stay in compliance with the new credit reporting regulations, it is imperative to report all payments sent to your office on accounts currently in collections within 5 business days. You may report the payments by calling our office or online via secure portal. This includes Insurance, DSHS, Medicare, Medicaid, L&I and personal payments from the patient. The amount due reflected on the consumer’s credit report must be accurate.

4. When sending an account to collection, what date should I use as the date the account went delinquent in our office? Per the new credit reporting law, accounts will credit report 180 days from the delinquency date. We recommend a delinquency date 30 days after the payment is due or 60 days after the date of service.

5. Do I need my patients to sign an office/financial policy? Yes, if you are charging interest in excess of 1% per month/12% per annum. Yes, if you are charging missed appointment/late cancellation fees. Yes, if you are charging any fees outside of treatment. Your financial policy should clearly state the amount the patient will be charged for each fee. Please feel free to contact our office for a financial agreement template.

6. Is it okay if I charge interest on my accounts but my statements show the charge as a billing fee? The wording on your statements should match the wording on your financial policy. If the patient’s itemized statement says interest then the wording in your financial policy should clearly state the same.

7. Can I use a patient’s electronic signature on the financial agreement? Patients cannot dispute their actual signature therefore we strongly recommend having your patient actually sign any contracts/agreements.

If you have questions about this article, please call the Credit Bureau at 253.246.0300. P & D is a wholly owned company of SKCDS.

Dr. Steven Prince and dental assistant, Christina, volunteer at Key Arena.

Young dentists and dental students at Happy Hour in September.

Drs. Safioti, Osundeko and Lam at Happy Hour in October.

20 l 2018 SKCDS WINTER QUARTERLY

Drs. Rick Taylor, Mike Karr, Jeff Parrish and BJ Peterson, and SKCDS executive director Jennifer Freimund, at Key Arena clinic.

NEW DIRECTORY ON OUR WEBSITE We are making some important changes with the recent issue of our Membership Resource Guide that we wish to share with you.

You will notice that the Membership Resource Guide recently mailed to you does not include a directory of membership or a listing of specialists by city. We have now moved this critical resource for you onto our “Members Only” section of our website. Our Membership Committee and the Executive Council gave this change significant thought and solicited feedback from some of you in that process. Here are the reasons for the change: • The printed Membership Directory was out-of-date before it even got off the press. Members move, change practices and forget to update the Dental Society. By being online, we will now be able to update the membership and specialty listing every quarter and add it to the online directory. This will ensure you will be able to access the most current membership information each time you go online.

• Our website was converted to a mobile phone friendly format a year ago. This will allow you to access the membership listing through your telephone or other mobile device whenever and wherever you need it.

• With an online directory, we no longer have the page constraints associated with a printed version. Our new directory will list multiple offices locations for our members and specialists. We will no longer be confined to one listing for each member and specialist. We believe this will be particularly valuable for our specialist members who may have offices in various geographic locations.

• Finally, please know that the information that appears in this online directory is drawn directly from the American Dental Association’s membership database. If you see an error in your listing, we can update that for you; and, it will automatically update the ADA and the WSDA. We are excited about this change. By harnessing technology, we believe you will have the most current membership information literally at your fingertips and through your mobile telephone.

That said, we recognize the value of much of the reference material that existed in the former Membership Directory. So, included in the Guide, you will still find information about the reduced cost dental clinics in King County, the leadership of the Dental Society and Foundation, your membership benefits, upcoming continuing dental education classes and so much more. We welcome your feedback and suggestions in regards to this change and hope it benefits you and your practice.

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MONEY

By Al Munk DDS My mother once went to a financial planner, a prudent thing to do as she approached retirement age. The first question he asked her was also a prudent one, “What are your financial goals?” She responded in her typical no-nonsense way, “To make as much money as fast as I can.” This is, of course, the correct response that any sane person would issue, but few have the moxie to do so. I’m not sure where the conversation went from here, but I can say that few people that my mother encountered over her lifetime were able to give her any useful advice. I know I never could.

I’ll start by saying something not often heard in passing conversation, or in newspapers or magazines-- I’ve always had plenty of money. I didn’t come from wealth.

My father managed a small store and my mother was a bookkeeper. I’ve always liked to work and never had a problem saving the money I earned.

I started my work life on the farm next door, milking cows, bailing hay and logging in the summer. I was driving flat-bed truck and setting chokers by age 12 which didn’t seem out of the ordinary to me at the time, for a country boy wanting to experience the world. A move to the city in my teenage years had me mowing lawns and working as a stock-boy in my father’s store. By the time I was 16, I had $600 in the bank, which I loaned to my father, who used it as a down payment for a house we lived in as a family. My how times have changed. He paid me back over the next few years.

EXPOSURES

today. I did not consider either my living situation, or my dietary elements to be a hardship. On the contrary, I was quite satisfied with both, and even had a great girlfriend at the time. She also thought nothing of my lifestyle, but eventually moved to Texas for medical school.

I still talk to her once in a great while. I had no car, no restaurant meals and no vacations.

It is true that the student of today cannot begin to approach the low-budget life that I led, but as well, they seem to be a privileged lot.

It is a great gift to learn to live simply, because at some point in one’s life, it may become necessary. My children as well have failed to learn this lesson.

Having parents willing to bail them out of whatever financial crisis they end up in has done nothing for their sense of self-reliance.

I still like to get up in the morning and go to work. Not every dentist shares my view, and I see countless younger colleagues who want to retire as soon as they are able. To do so, they will need to learn to live below My next jobs were in logging, sawmills and other tree-related fields. their means, a difficult lesson in today’s expensive world. And as my mother Southwest Washington of the sixties was dominated by the wood-products discovered, don’t look for any great advice from your financial planner. industries. These jobs served me well, allowing me to work only summers for 8 years of college and dental school, paying cash for the entire school and living That’s all for now from Ballard. experience with no loans and no help from the parents, who could not have helped anyway. My tactic to do so was simple—adjust my lifestyle to the money available. This was quite possible in the pre-inflation times of Seattle in the 1970’s, but is laughable considering the Seattle of today.

My budget for dental school in the 70’s was modest, and insane by today’s standards. I had about $4000 per year income, and that had to pay for both school and living. I budgeted $2 per day for rent, and $1 per day for food. The rent goal was achieved by finding a crummy, old house that rented for $160 a month and insert 4 or 5 young people who could tolerate living in close proximity to one another. My food budget was also not for everyone—I would buy day-old loaves of whole wheat bread for 10 cents per loaf and buy gallon jars of peanut butter for about $4. I ate peanut butter sandwiches for 3 meals a day for 4 years. I must have more aflatoxins in my systems than any person alive The views expressed are those of the writer and do not necessarily reflect the opinion or official policy of the Seattle-King County Dental Society.

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