2014 wmdds winter bulletin
DESCRIPTION
2014 WMDDS Winter BulletinTRANSCRIPT
T h e L a b o r a t o r y N e t w o r k
DSG Americus Dental Lab is designated as an Approved PACE Program Pro-vider by the Academy of General Dentistry. The formal continuing education programs of this program provider are accepted by AGD for Fellowship, Mastership and membership maintenance credit. Approval does not imply acceptance by a state of provincial board of dentistry or AGD endorsement. The current term of approval extends from 6/1/09 to 5/31/2014.
dentalservices.net/daviswww.facebook.com/DentalServicesGroup
ADVANCED DENTAL SLEEP MEDICINEDR. KENT SMITH’S NEWEST SLEEP SERIES LECTURE.SEPTEMBER 12, 2014 | 7 CE CREDITS
One out of every five patients you see has sleep-disordered breathing. Your patients are giving you the signals, but are you picking up on them? This one day program is designed for participants that have already taken courses on dental sleep medicine or already have a start in treating patients with oral sleep appliances. DSG will also have a special presentation regarding medical reimbursement for dental sleep medicine and resources available.
• Medical insurance discussions with patients – role playing
• Protocol from A to Z• Understanding residual fatigue• When the appliance doesn’t
“fix” the patient• Sleep hygiene• Dealing with side effects• Appliance selection• Working with Medicare• Insomnia • Naps• Marketing in the medical/
dental environment
• Reading home sleep tests or studies and polysomnogram or attended sleep study at a sleep center
• Internal and external marketing to educate patients on sleep appliances, posters in office, webpage information, office newsletters, etc.
DR. KENT SMITH
Dr. Kent Smith is a Diplomate of the American Board of Dental Sleep Medicine, having treated patients with sleep disordered breathing for the last 17 years.
DATES/LOCATIONS:September 12, 2014 Frederik Meijer Gardens & Sculpture Park1000 East Beltline Avenue NEGrand Rapids, MI 49525888.957.1580
REGISTRATION:8 a.m. - 8:30 a.m.
PROGRAM: 8:30 a.m. - 4 p.m.
LUNCHEON:12 p.m. – 1 p.m.
COST
$199 PER DOCTOR $99 PER STAFF MEMBERRSVP BY SEPTEMBER 1
Registration fees include continental breakfast, luncheon, handout materials, and an open pass to the Frederik Meijer Gardens until 5:00 pm on the day of the seminar.
REGISTER AND PAY IN FULL BY JULY 1 TO GET $25 OFF YOUR REGISTRATION!
YOU WILL LEARN
HOW TO REGISTEROnline – register at dentalservices.net/seminarsBy phone – contact Sue Isenga at 800.632.9131 or 616.261.9191 Ext. 5234By email – [email protected]
TERMS AND CONDITIONS:• Registrations are not considered final
until payment is received in full• DSG Davis Dental Laboratory
reserves the right to cancel seminars that do not meet minimum enrollment expectations
• The registration fee will be refunded in full if DSG Davis Dental Laboratory cancels the seminar
• Attendee will receive 100% refund of the registration fee if attendee
cancels four weeks or more prior to the seminar
DSG DAVIS DENTAL LABORATORY PRESENTS
Follow Us
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 1
Contents
President’s Message ..................................................................................................... 2
Editor’s Thoughts ........................................................................................................ 4
Trustee Report ............................................................................................................. 6
2014 Silent Bell Recipient ............................................................................................10
WMDDS Holiday Event Highlights ...........................................................................14
Previous Life Member Recipients ...............................................................................16
Exchange-Traded Funds: Do They Belong in Your Portfolio? .................................22
Get 2014 Off To A Great (Financial) Start .................................................................24
Why Volunteer at MOM 2014? ..................................................................................26
Managing the Millenials ..............................................................................................28
Classified Ads ...............................................................................................................30
Advertiser Index ...........................................................................................................31
About the Cover
2014 Silent Bell recipient, Dr. Chris Smiley with his wife, Dr. Colette Smiley.
Mission StatementThe Bulletin is the newsletter of the WMDDS and its mission is to inform the membership of
upcoming and recent events, state & local issues related to dentistry, and as a forum for its officers,
representatives, and members to discuss appropriate topics of interest to the membership.
Communication & Advertising PolicyThe Bulletin will publish submitted articles from members and others that relate to the practice of
dentistry, small business, social, or political issues affecting dentists, or other subjects of interest to
the membership. All published items are subject to space restrictions and the community standards
of the WMDDS. The editors reserve the right to reject any article or advertisement deemed
inappropriate and to edit submissions as they see fit.
Submission & Publication Policy: Articles and advertisements must be submitted no later
than the 1st of the month preceding publication date. The Bulletin has six publications: the
winter issue, spring issue, summer issue, directory issue, fall issue, holiday issue. Direct
submissions or correspondences to:
Dr. Jeffrey S. Smith • 3050 Ivanrest SW, Suite B • Grandville, MI 49418
Phone: 616.531.1554 FAX 616.531.6947 • Email: [email protected]
Include “Newsletter” in the subject line
Editor Dr. Jeff Smith
Associate Editors Dr. Seth Vruggink Dr. Derek Draft Dr. David Huyser Dr. Brian Licari
Advertising Editor Elaine Fleming Executive Secretary WMDDS 511-F Waters Building Grand Rapids, MI 49503 (616) 234-5605 [email protected]
West Michigan District Dental Society Executive Board 2013-2014 President Dr. Margaret Gingrich President-Elect Dr. Samuel Bander Vice President Dr. Steve Conlon Secretary-Treasurer Dr. Kathleen Ellsworth Editor Dr. Jeff Smith Immediate Past President
Dr. Tyler Wolf
Directors Dr. Leonard Bartoszewicz Dr. Brian Mulder Dr. Lathe MillerArea Representatives
Kent County Dr. Kathryn Swan Ionia-Montcalm
Dr. John O’Donald
County Mecosta County Dr. Erick Perroud Ottawa County Dr. Kevin Rebhan
MDA IV District Dr. Brian Cilla Trustees Dr. Colette Smiley
Big Rapids Dental Study Club OfficersPresident Dr. Erick Perroud Vice President Dr. Christa SternSecretary Dr. Christa SternTreasurer Dr. Erick Perroud
Holland-Zeeland Dental Society OfficersPresident Dr. Meredith Smedley Treasurer Secretary Immediate Past President
Ionia-Montcalm Dental Study Club OfficersPresident Treasurer Dr. Kirkwood Faber
Kent County Dental Society OfficersPresident Dr. Michael Palaszek Vice President Dr. Kathryn Swan Secretary Dr. James PappTreasurer Dr. Kathleen Eisin
West Michigan Dental Foundation OfficersPresident Mrs. Wendy Mc Ginnis Vice President Dr. Michael Palaszek Secretary Mrs. Dawn Kamyszek Treasurer Mr. Joe Van Laan
The Bulletin of the West Michigan Dental Society is published six times a year (the winter issue, spring issue, summer issue, directory issue, fall issue, and holiday issue). The opinions expressed in The Bulletin are not necessarily the opinions of the West Michigan District Dental Society.
Contributions to The Bulletin are welcome and should be addressed to The Bulletin Editor, 3050 Ivanrest SW, Suite B, Grandville, MI 49418. Requests for purchase of advertising space should be directed to the Advertising Editor, Elaine Fleming, (616) 234-5605. The deadline is the 1st of the month prior to publication.
© 2013-2014 West Michigan District Dental Society Bulletin
ow many of you know a very hardworking individ-
ual that doesn’t take vacations? Well, I tend to be
one of those who forget how to take a true vacation
away from dentistry. Don’t get me wrong, I do take time off !
I do dental mission trips, dental CE classes, go into the office
for emergencies, or do administrative things. (I don’t take a
break from dentistry because I am one of the lucky ones that
truly love their job.)
So, in comes my family with quotes like, “All work and no
play make a dull girl” or “I am sure you even dream dentistry,
how about taking a break?” It is their loving way of saying,
“You need a true vacation away!”
So over the holidays, I went to Panama City, Florida with
my family. During this time, I realized how important down-
time is to me as well as my family. The kids made it easy to
take a break from dentistry. My daughter steals the iPad and
my niece takes the iPhone. Simply put, the family and kids
made an easy break from dental communication. We were
gone for two weeks. It took me three to four days to let down
and lose track of time, seven to eight days to relax, and then
one to two days getting geared back up to go to work again.
What I discovered I enjoyed the most during the vacation
was eating. Often we measure the quality of our vacations by
the food we eat and the company we share our meals with.
On the surface it might sound like we just like to eat. This
may be true, but I think what I am really trying to say is the
meal times are one of the few times when, on vacation, we
are all together. It’s about as social of an event as you can get.
We talk, we laugh, and for a brief instant, we forget about the
troubles around us and just enjoy each other’s company. I
don’t think it gets much better that that!
In short, going on a well-deserved vacation with family
and friends is probably the most refreshing experience we can
enjoy. It renews our enthusiasm for the following months.
Oh, by the way, I have pictures.
Now, as West Michigan gears up for this new year, don’t
forget to attend a few of the upcoming events:
March 6 and May 8, 2014 – New Dentist Forum meetings.
March 14, 2014 – WMDDS CE seminar for CEU’s – “Hot
Topics in Aesthetic and Restorative Dentistry” presented by
Dr. David Hornbrook.
May 1–3, 2014 – MDA Annual Session at DeVos Place in
Grand Rapids, Michigan. Don’t forget to sign up for the
President’s event, “The Flavor of Grand Rapids,” to recognize
our own Dr. Norm and Jane Palm.
May 29–June 1, 2014 – Mission of Mercy in Big Rapids.
Online registration begins in March.
June 6, 2014 – West Michigan Dental Foundation Golf
Outing at Egypt Valley Country Club.
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 20142
P R E S I D E N T ’ S M E S S A G E
Vacations!By Margaret Gingrich, DDS, WMDDS President
H
Legislative Breakfast
Friday, April 25, 2014Frederik Meijer Gardens & Sculpture Park
1000 East Beltline NEGrand Rapids, MI 49525
Please mark your calendar and make plans now to attend the WMDDS Legislative Breakfast.
This is an important opportunity for WMDDS dentists and local legislators to meet and express views
and concerns on the issues that affect dentistry. Please make every effort to attend.
To reserve your place, please complete and return the attached form by April 17, 2014.
Name
Email address
Breakfast Buffet will be served starting at 8:00 am
Cost: $16 per person
Please make check payable to: West Michigan District Dental Society
Return by April 17, 2014 to:
West Michigan District Dental Society
161 Ottawa Avenue NW Suite 511-F
Grand Rapids, MI 49503
Questions? Contact Elaine Fleming
616.234.5605 | [email protected]
or
Dr. Steve Conlon
616.554.5970 | [email protected]
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 20144
y the time you read this, it will already be well into the
new year. However, no worries, because also by the
time you are reading this, you will probably have bro-
ken and or forgotten many of the resolutions that you made
for 2014. Some say that time seems to go faster with each
passing year. I don’t know. Maybe it’s just that we are getting
a little slower with each additional year, and need more time
to do or fit in the same stuff? Regardless, even if we have given
up on some of the things that we pledged to do, there is still a
lot of time left in 2014.
Anyway, enough rambling. In no particular order, here are
some things that are still very doable before the next new
year’s eve party.
1. See if it is possible to whittle down on that stack of journals
that has been patiently sitting in the corner of the private
office for the last several months/years. Although there can
be a lot of repetition in the subject matter as various fads
and “hot topics” in dentistry come and go, it is possible to
skim through a journal or two, and maybe glean an occa-
sional pearl, between patients, or when winter weather gifts
us with a slow day.
2. Plan some time to attend a national (or even international)
dental convention/meeting. While our local and state
components offer many excellent choices for continuing
education classes, it can also be very fulfilling and even an
adventure to visit someplace new. An example that comes
to mind for me was an Alaskan land tour and cruise that
was put on by the MDA several years ago. There is no rea-
son why learning has to be dull, and besides, why not get
your CE requirement while on vacation?
Oh No...Not Another New Year’s Resolution List!By Dr. Jeff Smith, WMDDS Editor
E D I T O R ’ S T H O U G H T S
3. Donate a day, weekend, or whatever time you have to
give, to a dental charity organization. While family and
office commitments often make longer trips difficult, the
upcoming MOM (Mission of Mercy) in Big Rapids is only
one or two days. Volunteering a partial or complete day in
any of our local dental clinics is as easy as making a phone
call. Trust me, you will remember the time that you spent
there helping others in need of your skills much longer
than if you had decided to play a round of your favorite
sport or to do something around the house.
4. Go through that closet, cabinet, or area in your attic/ base-
ment that up to this point has only been an input for all of
the old obsolete equipment, instruments, or supplies that
you haven’t used since you can’t remember. Although the
stuff may no longer be “state-of-the-art” and probably has
little monetary value, it could be of real value when donat-
ed to any of the organizations mentioned in resolution 3.
5. Take the time and effort to mentor a pre-dental, hygiene,
or assisting student. Whether it is a day spent with them
shadowing you, or weeks interning in your office, these
students need this “real world” experience to get accepted
into an educational program, or to meet graduation
requirements. If you know of any young people who you
believe might make an excellent contribution to our pro-
fession, this is a great way to at least get them started thinking.
6. From time to time, tell or show your staff that you appreci-
ate them and the job that they do in keeping your practice
going. This reminds me of a supposedly real story that I
heard on the radio shortly before the holidays this year. A
boss is known for being cheap and oblivious to the people
who work for him. One year out of the blue, he gives one
of his staff a birthday card. She is genuinely touched, as
this has never happened in all of the time that she has been
there, until he says “When you’re done with the card, take
it over to Mary Sue down the hall, it’s her birthday today
too.” Numerous studies on the subject of business leader-
ship, and many of the top consultants in our field confirm
that many times our staff become disillusioned with their
jobs because they feel unappreciated, or that we don’t
listen to them when they are trying to come to us with sug-
gestions or solutions to problems that might benefit our
work environment as well as bottom line. If there seems
B
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 5
E D I T O R ’ S T H O U G H T S
to be a specific position in your office where turnover is
noticeably higher than in others, put yourself in the shoes
of the person doing that job, and see if there is anything
that you would want your boss to change if you were there.
7. Do not forget to have a thankful attitude (even during the
really tough days). Dentistry is still an awesome (sorry for
the overuse of the word) profession, especially when com-
pared with others. Even in these times of economic uncer-
tainty and continually increasing governmental oversight,
we have more control of our lives, freedom to practice as
we choose, and a standard of living that many other profes-
sionals envy.
The passion to do more.
Our local bank proudly supports theWest Michigan Dental Community.
Born here.
Growing here.
Staying here.
LocationsCascade Rd at Spaulding - SE
Northland Dr at Plainfield - NE Monroe Ave at Louis - Downtown
Wilson Ave at 56th - SW
(616) 956-9030foundersbt.com
Member FDIC
Specialties Include:
• Custom designed deposits• Equipment financing• Financing of partner buy-in and
practice purchase
• Flexible loan payments• Practice start-up loans• Real Estate Financing• Working Capital Lines of Credit
West Michigan District Dental Society is now on Facebook
Check us out and we’re sure you’ll “Like” us!
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 20146
s I write this report, more snow is falling and we
are well on our way to a banner year for snowfall.
I always wonder why the 80-year-old patient can
make it to the office no matter how nasty the weather, but the
40-year-old can’t keep their appointment because the “roads
are bad.” Neither rain, sleet, nor snow could keep the MDA
Board of Trustees from holding our December meeting in
Okemos. Here are a few of the highlights from that meeting.
Trends and Future Challenges for DentistryMarko Vujicik, PhD, managing vice president of health policy
resources at the ADA in Chicago, presented exclusive ADA
research findings on some of the fundamental changes that
are occurring in dental utilization. Research shows visits to
the dental office have been dropping steadily since 2001. The
percentage of adults covered by dental insurance has declined
from 61 to 56 percent. Dentist earnings have also been declin-
ing. It’s a steady, national trend – and not necessarily related
to the Great Recession. Rather, it began before the recession
and is continuing after. According to Dr. Vujicik, we are see-
ing a fundamental change in the dental economy. Put in the
simplest terms – adults are not going to the dentist as often
as they did before. However, emergency room use for dental
care has doubled in the past decade, driven mostly by young
adults. Young adults have had the biggest decline in insurance
coverage and the sharpest decrease in dental care utilization.
Looking ahead, Dr. Vujicik sees a “new normal” of flat
dental spending. Although our growing population of seniors
Winter 2014 Trustee ReportBy Dr. Brian Cilla, MDA Trustee
may require more dental care, the increased demand in that
demographic will be offset by declines among other age
groups, particularly young adults. The workforce implications
are obvious. Many dentists have delayed retirement and at the
same time there’s been an increase in the number of dental
school graduates – many of whom are struggling with record-
high levels of debt. All this points to a continuing busyness
problem for many dentists, as well as a reduced bottom line.
What should the ADA and MDA do about this problem?
According to Dr. Vujicik, organized dentistry must:
• Identify, understand, and educate dentists about the various
practice models that are emerging;
• Seek out and share “best practices” among the profession
to improve efficiency of dental offices;
• Dig deeper into why adults – especially young adults – are
less likely to go to the dentist;
• Explore the pros and cons of collaborating with health care
providers in other health professions for the betterment of
their shared patients;
• Explore ways to influence patient behavior, such as oral
literacy campaigns, renewed promotion of direct reim-
bursement, and other strategies.
Dr. Vujicik stressed that the ADA, MDA and local societ-
ies need to be “obsessed” with new graduate career success.
Dentistry will remain an attractive career option, if not quite
as attractive as previously. But if organized dentistry is to
retain today’s new graduates as members, it needs to step up
and make sure the association at all levels meets their needs
in this changing world. The MDA leadership will continue to
discuss these trends as well as the generational shifts that are
taking place within our diverse membership.
New Leadership Development Institute One trend that has been previously noted among many
professional groups – not just dentistry – is a decline in the
number of individuals interested in seeking leadership posi-
tions with their professional associations. With that in mind
the MDA Board, at its December meeting, approved a recom-
mendation from the MDA Membership Advisory Committee
to create a new MDA Leadership Development Institute.
Key points to be considered by individuals considering enroll-
ment are:
A
T R U S T E E R E P O R T
• There will be no cost to the participant.
• Attendees must be a MDA member in good standing.
• There will not be any restrictions based on age or past
participation in organized dentistry.
• Dental students are excluded from the pilot.
This new, 18-month immersion program will begin later in
2014 and will seek to develop future leaders through a variety
of presentations and experiences at the MDA and ADA levels.
Further program details and application information will be
distributed early in 2014.
MDA Building The MDA building mortgage has been paid in full! Excellent
planning and stewardship have given us an outstanding facil-
ity. Kudos are in order to the MDA staff and past MDA leaders
involved with this endeavor.
2016 MDA Annual SessionThe Board was informed that Cobo has been updated and is
under new management; the same company that manages
the DeVos Place in Grand Rapids and McCormick Place in
Chicago. Many positive changes have been made. As a conse-
quence, it was resolved, that the Michigan Dental Association
will hold its 2016 Annual Session in downtown Detroit.
MDA-IFG MEWAThe BOT approved a proposal from MDA Insurance to create
a MEWA, or Multiple Employer Welfare Arrangement. This
would be a self-funded health insurance program that would
enable the MDA to continue providing the MDA health plan
without certain onerous Affordable Care Act requirements.
MDA members can then make participation available to their
families and staff.
The next step in the process for creation of the MEWA is to
receive approval from the Michigan Department of Insurance
and Financial Services. MDA Insurance is preparing the
filing for the state, which requires the selection of a third-
party administrator for the insurance program, building plan
designs, and other foundational work. The goal is to have
the plan in place and ready for enrollment this fall. The first
meeting of the new MEWA Board of Trustees occurs Feb. 27.
T R U S T E E R E P O R T
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 7
MDA Foundation The Foundation has hired its first chief development officer –
Ms. Nancy Maier. Nancy was previously in the development
office at UDM’s School of Dentistry.
Delta Dental Employee ProgramThe Board discussed a new provision in Delta’s 2014 dental
benefit for employees of Delta Dental Plan of Michigan. An
optional genetic test, as a component of personal risk assess-
ment, will be utilized as part of the process to determine recall
frequencies. The new plan will only allow one cleaning per
year unless certain Delta risk factor criteria are met. Known
risk factors, such as smoking, are excluded from consider-
ation. Currently there are approximately 600 employees,
employee dependents, and 400 dental providers that will be
impacted by this policy change.
The Board has created an action plan which has included
some of the following:
• Coordinate with the ADA on pertinent talking points.
• An article, by Dr. Chris Smiley, will be published in the
next MDA Journal.
• President Palm has sent an email alert to all MDA members.
• MDA leadership will have discussion with Dr. Ted Hart,
ADA’s consulting geneticist, about providing a course at
MDA Annual Session and/or at the MDA building to edu-
cate MDA members so that they will have the necessary
knowledge to discuss genetic testing with patients.
• A position statement on this issue is being developed.
• The MDA will begin creating a resource for dentists to use
in their offices with patients.
We anticipate that the ADA will address some of the pertinent
issues from the national perspective as well.
New Dentist Leadership AwardThe 2014 Matt Uday New Dentist Leadership Award will be
presented to Dr. Kathryn Swan at the 2014 MDA Annual
Session. Congratulations are due for this well-deserved award.
Legislative Advocacy of Local InterestThe date has been set for the 2014 WMDDS Legislative
Breakfast. It will be held on Friday, April 25, 2014 at Frederik
Meijer Gardens & Sculpture Park. Registration will begin at
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 20148
7:30 am. The breakfast will run from 8 am to approximately
9:30-9:45 am. Please make every effort to attend and share
this information with your colleagues and encourage them to
attend as well.
How to Stay InformedA video recap of the December MDA Board of Trustees meet-
ing, presented by MDA President Dr. Norm Palm, is available
on the MDA website at www.smilemichigan.com/pro. Click on
“Professional Topics,” then “Governance,” then “Board of
Trustees.” Board actions also appear in written form on the
MDA website.
As always, I am available for questions or concerns regard-
ing MDA activities. I can be contacted at [email protected] or by
phone. If I do not have a ready answer, then I’m sure that we
can find somebody within our excellent MDA staff that can
be of assistance.
T R U S T E E R E P O R T
Looking for a dental lab confident enough to handle your most challenging implant case? Studio 2 Dental is unmatched in its implant capabilities and experience. We offer the top platforms and latest technology, and are constantly adding the industry’s best manufacturers to our suite of services and processes.
Custom abutments Consultative approach Straumann Biomet 3i™ Ankylos® Atlantis™ Astra Tech BioHorizons® Nobel Biocare™ NobelGuide™ (CT-based 3D diagnostics) Studio 2 Hybrid™ Zimmer
www.studio2dental.com
A dental lab committed to investing in your knowledge.
Digital technology for the perfect impression™
2405 32nd Street SE Kentwood, MI 49512 Ph. 616-957-2140 www.studio2dental.com [email protected]
We personally want every dentist who uses Studio 2 Dental’s services to expect
quality, depend on our service and always receive
value. Owners: Mike Seward, Chuck Newberg, Chip Newberg, Randy Richter
The PoinTs of LighT ProjecT
If you would like more information regarding our project or would like to register as a participant, please visit our website at: pointsoflightonline.org.
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 9
Mission Statement: An organization dedicated to the improvement of oral health through the
financial support of education and service programs to address the needs identified by the dental
profession and the communities it serves in Kent, Ottawa, Ionia, Mecosta and Montcalm counties.
7:30 am Registration begins Driving Range | Putting Challenge
Start your day with a “Rise and Shine” Bloody Mary bar with bagels, fruit, coffee
9:00 am Shotgun start Play Your Own Ball or Scramble formats
Immediately following golf Cookout lunch and raffle prize drawing
Registration forms will be mailed in April. For more information, email Elaine Fleming at:
WEST MICHIGAN DENTAL FOUNDATION GOLF OUTING
Friday June 6, 2014 | Egypt Valley Country Club
Otto Lee Ricker, D.D.S., M.S. 1981
Willard B. Ver Meulen, D.D.S. 1981
Clifford T. Nelson, D.D.S. 1982
William M. Creason, D.D.S. 1983
Vernor H. Eman, D.D.S., M.S. 1984
Julius Franks, Jr., D.D.S. 1985
Henry L. Homan, D.D.S. 1986
Ray E. Stevens, Jr., D.D.S. 1987
Orren A. Bolt, D.D.S. 1988
Robert F. Streelman, D.D.S. 1989
Gerald L. Vander Wall, D.D.S., M.S. 1990
David H. Seibold, D.D.S. 1991
Donald G. Hallas, D.D.S. 1992
Robert E. Reagan, D.D.S. 1993
John R. Cook, D.D.S. 1994
Eugene L. Bonofiglo, D.D.S. 1995
Lawrence R. Marcotte, D.D.S., M.S. 1996
Laurence J. Jensen, D.D.S. 1997
Harry H. Luton, D.D.S., M.S. 1997
Robert W. Browne, D.D.S., M.S. 1998
Harold O. Steele II, D.D.S. 1998
Lawrence J. Manning, D.D.S., M.S. 1999
Arnold Baker, D.D.S., M.S. 2000
Robert D. Mitus, Jr., D.D.S. 2000
Robert W. Klinesteker, D.D.S. 2001
Timothy H. Gietzen, D.D.S. 2002
James L. Wieland, D.D.S. 2003
Charles R. Caldwell, D.D.S., M.S. 2004
Henry J. Milanowski, D.D.S. 2005
John J. Stepanovich, D.D.S. 2006
Lonny E. Zietz, D.D.S., M.S. 2007
Michael H. (Reggie) VanderVeen, D.D.S. 2008
William A. Avery, D.D.S. 2009
William F. Rocker, D.D.S. 2009
Robert F. O’Brien, D.D.S. 2010
Marilyn J. Stolberg, D.D.S. 2010
John D. Bouws, D.D.S. 2011
Paul F. Korte, D.D.S. 2012
Chase Klinesteker, D.D.S. 2013
Tom Sommerdyke, D.D.S. 2013
Silent Bell Past Recipients
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201410
hen told he would receive the West Michigan
District Dental Society “Silent Bell” Award,
Chris Smiley expressed a concern that he has
not normally been very “silent” in whatever he does. He was
then reminded that it is also called the “Distinguished Service
Award,” which fits him perfectly, since he has contributed
greatly to the community and especially to organized dentistry.
Chris was born August 26, 1960, in Blodgett Hospital in
Grand Rapids to Dr. Harold U. and Elizabeth (Betsy) Lightner
Smiley. His father was a dentist and his mother a homemaker
who held a Master’s Degree in Business. Both parents placed
a premium on the value of higher
education, which they passed on to
their children. Chris attended grade
school and high school in Forest
Hills. He has two brothers, Harold
Jr., an attorney in Wyoming, MI,
and Stephen, an oncologist in
Battle Creek. Because his brothers
are much MUCH older, he claims
it was his job to keep his parents
young. He holds great respect for
his parents and grandparents. His
grandfather, Henry Lightner, played
football for U of M under Fielding
H. Yost and he lived in the Smiley
home while Chris was growing up
and he has many fond memories of
going to Michigan games and tail
gating in Ann Arbor. Golfing, skiing, camping, and travel
were activities Chris very much enjoyed with his parents
and siblings.
The family cottage in Grand Haven has provided many
memories. One incident that gave him a vivid experience was
when, at eight years old, Chris discovered he was truly allergic
to poison ivy. He had large lesions on his legs and couldn’t
walk for several weeks. Instead, Chris did much reading and
acquired a first-hand appreciation of our health care system.
To this day, he uses that episode to get out of yard work!
His grandfather hand-built the cottage and in later years
he also built a “fort” on the beach, which provided Chris a
great opportunity to work side-by-side with his father and
grandfather on that project, learning how to saw a board in a
straight line!
Chris’ parents emphasized life long activities with their
children, including skiing in the winter and golf in the sum-
mer. On the ski slopes, Betsy was quick to say, “If you aren’t
falling, you aren’t learning!” One lesson from his father that
stays with him was when he was 16 years old while playing
golf with his parents over spring break. Chris hit a shot into
the water and tossed his club in frustration, breaking it. His
father calmly instructed him to take his bag, go to the club-
house, and think about what he did while they finished their
round. A couple hours of sitting
alone were just as effective as any
anger management class he could
have taken! In high school and
beginning college, Chris worked
at Reilly’s Pharmacy on Cascade
Road, tending the cash register and
stocking shelves in the pharmacy.
Later he helped his father in the
dental office on Three Mile Road.
This was a great learning experi-
ence for Chris, especially getting to
know other dentists who were in
the building.
Chris’ father was a strong role
model: a gentleman, even-keeled
and easy to talk with. Chris admired
his father’s dedication to his
patients and dentistry and would go with him to treat evening
emergencies at the office. His father’s business advice, “Never
panic about the economic environment – be patient, stay the
course, and treat people the way you would like to be treated”
has always remained with Chris. The philosophy that, “A soci-
ety is judged by how it treats its less fortunate,” rubbed off on
Chris and has guided his life. Chris claims he always had the
desire to become a dentist, and having a last name of Smiley
was a bonus. His father’s experience and attitude was positive,
and he treated Chris and Colette with exceptional love and
grace when they both came into town and joined his practice.
He personally called each patient and invited them to meet
the new dentists in his practice. He also provided a great
2014 Silent Bell Recipient: Dr. Christopher Smiley Submitted by Chase Klinesteker, D.D.S. Photos by Adam Bird Photographer
W
2 0 1 4 S I L E N T B E L L R E C I P I E N T
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 11
practice foundation with long-term staff that have blended
with the great crew that Chris and Colette have worked with
through the years. In 2008, Dr. Stephanie Benton-Langejans
became a great addition to their team, and she has been a
partner in the practice since 2010.
Chris attended Grand Rapids Junior College and then
earned his Bachelor’s Degree from the University of Michigan.
After talking to Drs. Harrison Brace and Bob Hire, Chris
decided to attend dental school at Marquette University in
Milwaukee, where he met Colette in his sophomore year.
Colette Rumann was from Oak Lawn, Illinois, and she
helped Chris adjust to the urban environment. Dental school
was a positive experience, everyone helping each other to
make it through school and Chris became actively involved
with the Student Dental Association. Colette and Chris gradu-
ated from dental school in May 1986, were married in June,
moved to Grand Rapids and set up practice in August that
year. Both his father and Colette were important consulting
resources for his practice of dentistry.
Colette has many interests, including walking, reading,
yard work, food and wine. She has been a great source of
strength for Chris. He especially admires her grace, intel-
lect, and organization. Her, “Use in two years or donate it
to someone who will” rule, her sense of humor, patience
with the children, and compassion for the under-served all
add to the strength of their relationship. Her taste in music
is a bit eclectic however, so beware if you ask her to play her
iPod on “shuffle,” you could be listening to classical violin,
Sinatra, Pop, or Hip-Hop! Colette has retired from private
practice and now works as Adjunct Faculty at Grand Rapids
Community College and Ferris State University teaching
in the Dental Assisting and Dental Hygiene programs. She
currently serves as our WMDDS Trustee with the Michigan
Dental Association and chairs the Kent County Oral Health
Coalition.
Chris and Colette have two daughters: Elizabeth Anne
born April 6, 1989, and Margaret Catherine born December
30, 1991. Elizabeth works in Washington, DC in political
consulting and fundraising, and Margaret is in her senior year
at New York University working on her undergraduate soci-
ology degree and Master’s in healthcare policy. The Smileys
enjoy traveling together as a family. Chris noted it was power-
ful seeing the world through their daughters’ eyes when visit-
ing them during each girl’s study abroad in Spain and Italy,
respectively. One of the most memorable family trips was to a
fishing camp in Alaska in 2006. Even with overcast skies and
temperatures in the low 60’s, their girls still look on this trip
as one of their best family adventures ever!
In 2009, Chris and his daughter Elizabeth joined
Medical Teams International on a dental mission trip to
Honduras. They both felt it was very worthwhile, and Chris
hopes to return with Margaret. Chris has chaired the ADA
Dental Quality Alliance and he was amazed to see some
measurement principles already being applied by the dental
partners at the mission in Honduras, where they have a phi-
losophy of saving teeth, not simply extracting them.
Chris said that he really enjoys being involved in organized
dentistry. As a Marquette Alum, he wanted to get to know the
U of M, UDM, and other dentists in the area who all seemed
to know each other already. Chris found early involvement
with the dental society was a great way to get to know col-
leagues in our community. His contributions to our local,
state, and national dental organizations have been exemplary.
Chris especially enjoys sharing the things he has learned from
his time on the ADA Council on Dental Benefits through
his monthly column in the MDA Journal. His future plans
include working several more years, returning to Honduras,
and travel; perhaps to Ireland and the Galapagos. Taking
some time off to “smell the roses” will be part of that. Chris’
advice to others is to get involved, to give back to the com-
munity and the profession. It is a great opportunity to make
good friends and learn so much from others.
2 0 1 4 S I L E N T B E L L R E C I P I E N T
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201412
2 0 1 4 S I L E N T B E L L R E C I P I E N T
Christopher J. Smiley, DDSCurriculum Vitae
Education
1982 B.S. Biology, University of Michigan, Ann Arbor, MI
1986 D.D.S. Marquette University, Milwaukee, WI
Professional Activities
Academy of Operative Dentistry
American College of Dentists
American Dental Association
Dental Quality Alliance
International College of Dentists
Michigan Dental Association
Pierre Fauchard Academy
West Michigan District Dental Society
Professional Activities
AMERICAN ASSOCIATION OF DENTAL EDITORS
1993 Annual Conference Moderator: Panel on
Editing the Small Publication
AMERICAN DENTAL ASSOCIATION
2011- Chairman, EBD Committee on Clinical
Guidelines for Periodontitis
2011- Consultant, Council on Dental Benefit Programs
2010-11 Chairman, Council on Dental Benefit Programs
2010-11 Representative, American Medical Association
Physician Consortium for Performance Measures
2009-11 Representative, Dental Quality Alliance Steering Committee
2009 Representative to the US Agency for Healthcare Research and
Quality, National Advisory Subcommittee
2009- Member, Evidence Based Dentistry Champions
Conference Organizing Committee
2009-10 Chair, ADA Quality Assessment and
Improvement Subcommittee
2007-11 Member, Council on Dental Benefit Programs
2008-10 Member, Evidence Based Dentistry Board
Advisory Committee
2008- Champion, ADA Evidence Based Dentistry
2008-11 Member, Dental Benefit Information Services Subcommittee
1997-2005 Peer Reviewer, Journal of the American Dental Association
AMERICAN DENTAL ASSOCIATION HOUSE OF DELEGATES
2009 Member, Reference Committee on Membership and Planning
2009 Facilitator, Mega Topic Discussion
2007-11 Alternate Delegate, ADA HOD
1999-2001 Alternate Delegate, ADA HOD
1996 Alternate Delegate, ADA HOD
BLUE CROSS BLUE SHIELD OF MICHIGAN
2006-07 Member, Dental Advisory Task Force
DENTAL QUALITY ALLIANCE
2011-12 Chairman
2009- Member, Executive Committee
DENTAQUEST FOUNDATION
2012- Member, National Oral Health Quality
Improvement Committee
MICHIGAN DENTAL ASSOCIATION
2011- Contributing Columnist, MDA Journal
2011-13 Member, MDA Committee on Governmental Affairs
2007-08 Facilitator, Workgroup on Non Accredited
Dental Assisting Programs
2005- Member, Dental Pac Board of Governors
2004-05 Facilitator, UCR Workgroup
2002 Trustee, District IV
1997-98 Member, MDA Task Force on Marketplace Issues
1997- Chairman, MDA Task Force on Managed Care
1992-94 Co-Chair, Annual Sessions Committee, Exhibits
MICHIGAN DENTAL ASSOCIATION
INSURANCE & FINANCIAL GROUP
1996-97 Vice-Chairman, MDA Insurance and Financial
Group, Inc. Board of Directors
1995-97 Member, MDA IFG Finance Committee
1994 Member, Contract Service Administration Inc. Board of
Directors, (Member CSA Finance Committee, Marketing)
MDA HOUSE OF DELEGATES
1993-96, Delegate, West Michigan District Dental Society
2007
1993 Chairman, Reference Committee on Dental Education
1991 Alternate Delegate, West Michigan District
Dental Society
NATIONAL QUALITY FORUM
2012 Member, Expert Panel for Oral Health Project
WEST MICHIGAN DISTRICT DENTAL SOCIETY
2000- Member, Hospital Based Dentistry Task Force
2004-2005 Member, Marketplace Issues Task Force
2003-2005 Chair, WMDDS Legislative Committee
1996-97 President
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 13
1994-96 Chair, WMDDS Task Force on Managed Care
1991-94 Editor, WMDDS Bulletin
1991-94 Chair, WMDDS Editorial Policies Committee
1992-95 Member, Fluoride Commemorative Stamp Committee
1989 Co-Chairman, Membership Committee
Awards and Honors
2012 Fellow, International College of Dentists
1998 Fellow, American College of Dentists
1997 MDA Young Dentist Leadership Award
1996 Fellow, Pierre Fauchard Academy
1993 International College of Dentists “Golden Scroll Award”–
Honorable Mention, recognizing the editor of the publication
that demon strated the most overall improvement with
regards to content, coverage of current items of interest,
design and format
Community Involvement
MEDICAL TEAMS INTERNATIONAL
2010 Honduras Dental Mission
UNIVERSITY OF MICHIGAN CLUB OF GRAND RAPIDS
2005 Chairman, Annual Golf Outing
2006- Feed America Food Pantry
2009- Habitat for Humanity House
MICHIGAN DEPARTMENT OF COMMUNITY HEALTH
2002-2004 Oral Health Representative, Michigan Dementia Coalition
for the development of a state dementia plan
ST. MARK’S EPISCOPAL CHURCH OF GRAND RAPIDS
1999-2002 Vestry Member
2001 Member, Commission on Community Involvement
2002 Member, Commission on Communications
1999-2005 Organ Committee
ALLIANCE FOR HEALTH OF GRAND RAPIDS
2008 Representative, Mental Health Parity
2002 Member, Dental Medicaid Task Force
Lectures and Publications
2013 Publication: “Importance of Patient Centered Care”
2013 DQA Conference Proceedings
2013 Lecture: Dental Quality Measurement Conference sponsored
by AHRQ: “The Importance of Patient Centered Care”
2013 Lecture: Michigan Dental Association Annual Session
“Hot Topics in Dental Benefits”
2013 Lecture: National Association of Dental Plans
Leadership Conference: “DQA Collaboration within
the Oral Health Community”
2012 Lecture: Michigan Oral Health Coalition:
“Evidence Based Dentistry”
2012 Publications: MDA Journal monthly columns on
dental benefit issues
2009 Lecture: Evidence Based Dentistry Presented to WMDDS
2008 Lecture: ADA Peer Review Work Shop Presenter
2008 Publication: MDA Journal March Issue, “A Great Resource:
The ADA’s Contract Analysis Service”
2001 Table Clinic: “Basic Palm for Health Care Professionals” 2001
Michigan Dental Association Annual Session, Detroit Michigan
1996 Lecture: “Managed Care in Dentistry: Features, Trends and
Concerns” presented at the Michigan Dental Association
Annual Session, and at several local dental societies.
1993 Lecture: “Editing the Small Publication” Presented at the
American Association of Dental Editors’ Annual Conference
1991-94 Publication: Editorials, WMDDS Bulletin
1994 Publication: “Seeking Realistic Solutions” reprinted in
ADANews
1992 Publication: “Junk In, Junk Out!” reprinted in the
ADA’s Dental Editor’s Digest
1991 Publication: “Two and a Half Crowns” reprinted in ADANews
and ADA Update for Dental Editors
2 0 1 4 S I L E N T B E L L R E C I P I E N T
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201414
WMDDS Holiday Event HighlightsPhotos by Adam Bird Photographer
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201416
S I L E N T B E L L R E C I P I E N T S
Silent Bell recipients (left to right): Drs. Reggie VanderVeen, John Stepanovich, Timothy Gietzen, Eugene Bonofiglo, Chase Klinesteker, Chris Smiley,
Marilyn Stolberg, James Wieland, William Rocker, John Bouws, and Chuck Caldwell.
www.theinsuranceforprofessionals.comG L F I A
Molly MurrayYour Professional Practice Insurance Advocate
616.301.2599 OR 866.735.5344
4930 Cascade Road SEGrand Rapids, MI 49546
1494 Bayberry LaneLake City, MI 49651
Great Lakes Financial Insurance AgencyDisability Income, Business Overhead, LTC & Health
Are You Protecting Your Most Valuable Asset - Your Professional Earning Power - From Loss?
Molly Murray, Your Professional Practice Insurance Advocate from Great Lakes Financial Insurance Agency works with dental professionals to help protect their professional practice income and expenses from insurable losses.
Professional practices have unique risks from potential disability and health issues, given their success is primarily from the principals’ labor. Are you concerned about your insurability, renewal premium rate increases, or improving your coverage? Molly Murray will listen to your goals or concerns, then offer practical insurability strategies and insurance solutions for your unique situation ... today and tomorrow. Nobody will work harder on your behalf to get coverage, remove exclusions or eliminate an extra rating!
Get a free insurance review and solution proposal OR a 2nd opinion about your insurance challenges!
Contact Molly Murray - Your Professional Practice Insurance Advocate 616-301-2599 866-735-5344 [email protected]
Visit mdaprograms.com or call today at 800.860.2272.
We do.Find out what thousands of Michigan dentists already know. Get your professional liability insurance, and all your other coverage, from the most trusted and knowledgeable source.
You can detect periodontaldisease in 2 minutes.
But do you know how to navigate a malpractice claim?
Pull patient
chart for
legal review
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201418
W M D D S E X E C U T I V E B O A R D
PAYING TOO MUCHFOR DENTAL MALPRACTICE
INSURANCE?Find out with an INSTANT rate quote from PSIC!
Visit profsolutions.com/dentalquote, enter your personaland requested policy information, hit submit, and in secondsyou will receive a personalized email with a comprehensive
and competitive rate quote from PSIC.
Learn more about PSIC and get an instant rate quote at profsolutions.com/dentalquote. Or call us at 1-800-718-1007, ext. 9191.
Malpractice Insurance is underwritten by Professional Solutions Insurance Company.14001 University Avenue • Clive, Iowa 50325-8258 ©2013 PSIC NFL 9639
Dental_Quoter_WMDDSTheBulletin_7.5x9.75_Layout 1 7/19/13 2:10 PM Page 1
WEST MICHIGAN DISTRICT DENTAL SOCIETY | HOLIDAY ISSUE 2013 19
DENTAL APPRECIATION NIGHT
Presented by
/grgriffins @griffinshockeygriffinshockey.com1.800.2.HOCKEY
MARCH 7, 2014 7:00PM VAN ANDEL ARENA The Grand Rapids Griffins invite your office to join us for all the fun and excitement of Dental Appreciation Night!
Last season, over 500 dental professionals, their families and friends enjoyed this special game.
This season’s Dental Appreciation Night will feature:• Special in-game promotions and concession specials• Discounted tickets for your office• Ticket proceeds benefiting the West Michigan Dental Foundation For more info including the game date and ticket pricing, please contact Joe Yancho at 616.774.4585 ext 3023 or [email protected]
5th Annual
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201420
Anxious patients?
Looking for sedation? AMC Mobile offers full sedation services for West Michigan dental practices.
We provide the sedation you need in the convenience of your own office!
AMC Mobile is a local, trusted, AAAHC certified practice. We provide safe, high-quality sedation for adult and pediatric patients. Learn more online at www.amcmobile.com. Contact Barb Johnson, RN to request a fee schedule at (616)284-3142.
Our Services Include:
Sedation Medications Board Certified Anesthesiologist
Airway Supplies Nurse for pre-op and post-op recovery
56 Grandville Avenue sw . Suite 100Grand Rapids, Michigan 49503 . 616 235 5200
Your practice depends on the individualized service you provide each and every client. So does ours.With extensive hands-on experience in the healthcare industry, our team focuses on the financial and operational challenges you face everyday. We are committed to providing industry-specific expertise relevant to you, without compromising your patient focus.
For more information please visit BeeneGarter.com or contact Brian LaFrenier at (616) 235-5200.
Evolving your practice today for a healthier tomorrow.
Tax Planning and Preparation
Sales and Use Tax
Accounting Software Installation and Support
Bookkeeping and Assistance
Start-Up Consulting
Choice of Entity Analysis
Cash Flow Projections
Overhead Analysis
IRS Representation
Payroll Processing
Retirement Plan Design and Administration
Human Resources
Succession Planning
Business Valuation
Estate Planning and Wealth Management
Copyright © B
eene Garter LLP An independent m
ember of M
oore Stephens International Limited
HOT TOPICS IN AESTHETIC AND RESTORATIVE DENTISTRYPresented by Dr. David Hornbrook | March 14, 2014 | Frederik Meijer Gardens & Sculpture Park
Join Dr. David Hornbrook as he explores our options for aesthetic, metal-free dentistry for our patients in applications including smile design, posterior restorative, bridge applications, and full mouth rehabilitation. Discussion will include updates of dentinal adhesion, ideal cementation of the new materials using the new resin cements, and addressing the role function plays in our decision making. This truly is the “Platinum Age” of dentistry and the potential for what we can offer to our patients, both aesthetically and functionally, is more exciting and rewarding than ever before. Dr. Hornbrook will discuss new materials and techniques utilized in the anterior to optimize aesthetics. He will also discuss options for no-prep and minimal prep veneers as well as step-by-step veneer cementation.
Objectives1) To understand the advantages and disadvantages of different materials.2) To determine when Prepless veneers can be utilized.3) Learn a step-by-step veneer cementation technique.
Dr. Hornbrook will also discuss the options available and indications to provide metal-free dentistry to our patients including lithium disilicate, Lucite reinforced ceramic, pressed and CAD ceramics, and zirconium oxide. He will also include a cementation update on ideal cements for different materials.
Objectives1) To understand the different ceramics available.2) Learn how different materials require different preparation designs.3) Understand ideal cements and adhesives for the different materials. West Michigan District Dental Society is an
ADA CERP Recognized Provider.
THank yOu TO Our SPOnSOrS wHO Have HelPeD TO Make THeSe PrOGraMS available TO uS.
Supporting Sponsor:
Platinum Sponsors: Gold Sponsor:
Silver Sponsor:
REgISTRATION FORm
NAME
ADDRESS
ADDITIONAL REGISTRANT(S) AT THIS ADDRESS
MDA-member dentist – $225
WMDDS retired member dentist – $100
per staff – $100
per non-member dentist – $450
TOTAL:
PAY BY CHECK: Make checks payable to: West Michigan District Dental Society. Remit to: Elaine Fleming | c/o WMDDS | 161 Ottawa NW | Suite 511-F, Waters Building | Grand Rapids, Michigan 49503 | Questions? Call 616.234.5605 or email [email protected]
PAY BY CREDIT CARD: � VISA � Mastercard
CREDIT CARD # EXPIRATION DATE/SECURITY CODE
NAME ON CARD
SIGNATURE
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201422
Exchange-Traded Funds: Do They Belong in Your Portfolio?By Bernard Bowhuis, CLU, ChFc, CFP®, CEO, Benchmark Financial Design Group, Inc.
F I N A N C I A L N E W S
xchange-traded funds (ETFs) have become increas-
ingly popular since they were introduced in the
United States in the mid-1990s. Their tax efficiencies
and relatively low investing costs have attracted investors who
like the idea of combining the diversification of mutual funds
with the trading flexibility of stocks. ETFs can fill a unique
role in your portfolio, but you need to understand just how
they work and the differences among the dizzying variety of
ETFs now available.
What is an ETF?Like a mutual fund, an exchange-traded fund pools the
money of many investors and purchases a group of securities.
Like index mutual funds, most ETFs are passively managed.
Instead of having a portfolio manager who uses his or her
judgment to select specific stocks, bonds, or other securities
to buy and sell, both index mutual funds and exchange-traded
funds attempt to replicate the performance of a specific index.
However, a mutual fund is priced once a day, when the
fund’s net asset value is calculated after the market closes.
If you buy after that, you will receive the next day’s closing
price. By contrast, an ETF is priced throughout the day and
can be bought on margin or sold short – in other words, it’s
traded just as a stock is.
How ETFs investSince their inception, most ETFs have invested in stocks or
bonds, buying the shares represented in a particular index.
For example, an ETF might track the Nasdaq 100, the S&P
500, or a bond index. Other ETFs invest in hard assets – for
example, gold bullion. In such cases, a commodity or precious-
metals ETF may buy futures contracts or quantities of bul-
lion. With the rapid proliferation of ETFs in recent years, if
there’s an index, there’s a good chance there’s an ETF that
invests in it.
More and more new indexes are being introduced, many of
which cover narrow niches of the market, or use novel rules
to choose securities. Many so-called rules-based ETFs are
beginning to take on aspects of actively managed funds – for
example, by limiting the percentage of the fund that can be
devoted to a single security or industry.
Pros and Cons of Exchange-Traded FundsPros
• ETFs can be traded throughout the day as price fluctuates
• ETFs can be bought on margin, sold short, or traded using
stop orders and limit orders, just as stocks can
• ETFs do not have to hold cash or buy and sell securities to
meet redemption demands by fund investors
• Annual expenses are often lower, which can be especially
important for long-term investors
• Because ETFs typically trade securities infrequently, they
have lower annual taxable distributions than a mutual fund
Cons• Dollar-cost averaging will require paying repeated com-
missions and will increase investing costs
• If an ETF is organized as a unit investment trust, delays in
reinvesting its dividends may hamper returns
• An ETF doesn’t necessarily trade at its net asset value, and
bid-ask spreads may be wide for thinly-traded issues or in
volatile markets
The new wave of ETFsNew and unique indexes are being developed every day. As a
result, ETFs that might seem similar – for example, two funds
that invest in large-cap stocks – can actually be quite different.
Many indexes define which securities are included based on
their market capitalization – the number of shares outstand-
ing times the price per share. However, other indexes and the
ETFs that mimic them may select or weight securities within
the index based on fundamental factors, such as a stock’s
dividend yield.
E
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 23
F I N A N C I A L N E W S
Why is weighting important? Because it can affect the
impact that individual securities have on the fund’s result. For
example, an index that is weighted by market cap will be more
affected by underperformance at a large-cap company than
it would be by an underperforming company with a smaller
market cap. That’s because the large-cap company would
represent a larger share of the index. However, if the index
weighted each security equally, each would have an equal
impact on the index’s performance.
The cost advantages and tradeoffs ofETFsAs indicated above, one of the reasons ETFs have gained
ground with investors is because of their low annual expenses.
Passive index investing means an ETF doesn’t require a port-
folio manager or a research staff to select securities; that reduces
the fund’s overhead. Also, investing in an index means that
trades are generally made only when the index itself changes.
As a result, the trading costs required by frequent buying and
selling of securities in the fund are minimized.
However, don’t forget that you’ll generally pay a commis-
sion with each ETF trade (depending on the type of account
you have). That means a one-time lump-sum investment in
an ETF will be more cost-effective than dollar-cost averaging,
which involves frequent, regular investments over time.
ETFs and taxesETFs can be relatively tax efficient. Because it trades so infre-
quently, an ETF typically distributes few capital gains during
the year. In the past, there have been times when some inves-
tors found themselves paying taxes on capital gains generated
by a mutual fund, even though the value of their fund may
actually have dropped. Though it’s not impossible for an ETF
to have capital gains, ETFs generally can minimize the ongoing
capital gains taxes you’ll pay.
Just how much impact can reducing taxes have over the
long term? More than you might think. Even a 1% differ-
ence in your return can be significant. For example, if you
invest $50,000 and earn an average annual return of 5%
(compounded monthly), you would have a pretax amount
of $82,350 after 10 years. Even a 1% increase in that return
would give you $90,970 at the end of that time. (This hypo-
thetical example is for illustrative purposes only and does
not represent the performance of any particular investment.
Actual results will vary.)
Make sure you consider how an ETF’s returns will be taxed.
Depending on how the fund is organized and what it invests
in, returns could be taxed as short-term capital gains, ordi-
nary income, or in the case of gold and silver ETFs, as collect-
ibles; all are taxed at higher rates than long-term capital gains.
What are some other reasons investors use ETFs?• To get exposure to a particular industry or sector of the
market. Because the minimum investment in an ETF is
the cost of a single share, ETFs can be a low-cost way to
make a diversified investment in alternative investments, a
particular investing style, or geographic region.
• To limit losses. Being able to set a stop-loss limit on your
ETF shares can help you manage potential losses. A stop-
loss order instructs your broker to sell your position if
the shares fall to a certain price. If the ETF’s price falls,
you’ve minimized your losses. If its price rises over time,
you could increase the stop-loss figure accordingly. That
lets you pursue potential gains while setting a limit on the
amount you can lose.
How to evaluate an ETF1. Look at the index it tracks. Understand what the index
consists of and what rules it follows in selecting and
weighting the securities in it.
2. Look at how long the fund and/or its underlying index
have been in existence, and if possible, how both have
performed in good times and bad.
3. Look at the fund’s expense ratios. The more straightforward
its investing strategy, the lower expenses are likely to be.
An index using futures contracts is likely to have higher
expenses than one that simply replicates the S&P 500.
Your financial professional can help you decide how ETFs
might fit your investing strategy.
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201424
F I N A N C I A L N E W S
ach new year comes with promises of self improve-
ment. This practice can be traced all the way back to
2300 B.C. when Babylonians would make promises
to their gods to pay debts and returned borrowed objects.
Goals of today tend to focus on losing weight or exercising,
but we shouldn’t overlook another important resolution
– maintaining (or developing) financial health. This year,
resolve to meet with your trusted advisors to ensure your
financial goals are in alignment with your needs and ever-
changing personal life. Below are a few ideas to help you get
2014 off to a great start!
AttorneyMost practices have an attorney to represent their business
affairs. But, who is representing your personal interests? Do
you need a will? What about a trust? Maybe you have been
practicing for a number of years and are reaching the end of
your career. Have you established an estate plan? Your attor-
ney can help with all of these documents.
AccountantPractices work with their accountant to fulfill various com-
pliance requirements. But, is there more to leverage from
that relationship? Do you engage your accountant for tax
planning? Do you meet to review changes in regulations and
identify planning opportunities? Do you struggle with cash
flow and monitoring overhead? Some practitioners are near-
ing retirement and wondering what their practice may be
worth and how they can positively impact that value. Your
accountant may be able to support your needs in these areas
with other value-added services.
BankerIs the borrowing capacity on your line of credit still adequate?
Have you made additional investments in real estate and are
loan expirations forthcoming? You should consider periodic
meetings with your banker to review loan terms, options, and
other financing needs.
Financial AdvisorWhat are your financial goals? When do you want to retire
and what about tuition for your children? When was the last
time you reviewed your investment portfolio with your finan-
cial advisor? An investment advisor can help you answer these
questions and make sure you are on the right financial course.
Moreover, an advisor can help you determine the proper asset
allocation and weighting based on your age and risk tolerance.
Insurance AgentDo you have life insurance? Is it enough and the right type?
What about disability insurance? Most practitioners will carry
disability coverage, but is it adequate? When was the last time
you reviewed your policies? Do you even know where they
are located? Your insurance policies and needs should be
reviewed annually with your financial or insurance agent to
ensure adequate coverage.
Even if your treadmill will return to laundry storage by
February, meeting with your advisory team now can help
keep your finances healthy all year!
Connect with Brian LaFrenier on LinkedIn at:
www.linkedin.com/in/blafy
Like Beene Garter on Facebook at:
https://www.facebook.com/BeeneGarter
Follow Beene Garter on Twitter at:
https://twitter.com/BeeneGarter
Get 2014 Off To A Great (Financial) Start Resolve to Meet with Your Trusted Advisors to Ensure Your Goals Are In Alignment with Your NeedsBrian LaFrenier, CPA, Audit Partner, Beene Garter, LLP
E
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 25
West Michigan District Dental Society and Henry Schein Dental Present a Half Day CE Seminar with Dr. Charles Blair
Focus on Profitability for the Efficient Dental Practice
Friday, June 20, 2014 | Thousand Oaks Golf ClubRegistration 7:30 am | Seminar 8:00 am to Noon | 4 hours CE credit
Are you working “in” your practice rather than “on” it? Learn to see the “big picture”, analyze the business side of your
practice, and take solid steps towards increased profitability. Hear strategies, tips and “pearls” on:
• Coping with ad Down Economy
• Fee Profiling and PPO Strategies
• Procedure Mix Enhancement
• Optimum Staff Ratios
• Hygiene Department Strategies
Also hear insight on how to:
• Move from “cost-based” to “revenue savvy”
• Diminish broken appointments – an “economic killer”
• Planning a productive and profitable future for your practice
Objectives:
1. The participant will gain insight into running a practice like a business.
2. The participant will be challenged to new thinking to survive in a changing world.
3. The participant will understand the cost of doing business.
REGISTRATION FORM WILL BE MAILED IN APRIL
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201426
M I S S I O N O F M E R C Y
he 2014 Mission of Mercy (MOM) event at Ferris
State University is rapidly approaching. If you are
still trying to decide whether to participate this year,
please read the testimonials from some of last year’s partici-
pants. Their comments might help you make your decision
to participate.
“This is a community service event that has MANY hands
involved, in MANY different ways. There is a place for just about
anyone willing to give a couple of hours (or days) of their time.
My 19-year-old daughter and I volunteered for the first MOM
event at SVSU last June, and we both enjoyed the fellowship and
opportunity to meet and work with the multitude of caring, giv-
ing, people. We are both coming back to work at the MOM event
at Ferris this coming May.” – Cathy Archer, R.D.H.
“Giving back to the community is a hallmark of our dental
society. The MOM clinic is a special opportunity for the entire
dental team to come together and help those in need while mak-
ing some new friends along the way.” – Chris Smiley, DDS
“I am very excited for the opportunity at this year’s MOM
event for our newest generation of dentists to work side-by-side
with current generations of dentists to better the oral health of
those in great need. Thank you, and I look forward to working
with MOM again.” – Zach Breen, U of M Student
“I thoroughly enjoyed volunteering at the Mission of Mercy
because I could see that I was giving back to people in need.
Patients were so dedicated to wait in line for hours and hours on
end. In addition, I was fortunate to be able to assist with taking
x-rays on the clinic floor with the portable NOMAD. We carted
around to the pedodontic area to take x-rays, endodontics,
and oral surgery. The IT staff on hand were exceptional. They
assisted us whenever we had a computer “glitch” and were right
there when needed. Doctors were able to get x-rays right when
they needed them. This was especially important in the endo
area. Plus, you meet such wonderful people, professionals from
all over the state of Michigan. I will definitely volunteer again!”
– Annette Jackson, RDH
“Volunteering my professional talents at the Saginaw,
Michigan Mission of Mercy Event left me with a feeling of satis-
faction greater than the amount of effort made in providing the
needed dental care. There was no question the dental treatment
received by the patients was well appreciated and I will look for-
ward to participating in the next Mission of Mercy event.” – Aric
Smith, DDS, MS
“Not only was the positive charitable energy palpable
throughout the weekend, but the genuine appreciation expressed
by the many adults and children we served was overwhelming.
For many, this is the only chance these individuals and families
have to get access to dental care. It was very enjoyable working
side-by-side with others that were there for the same reason,
and it was fun to run into old classmates that I haven’t seen in
a while. In addition, I was very impressed with the temporary
facility that was assembled, which allowed for a very workable
dental environment.” – Jim Brennan DDS.
“I didn’t volunteer last year but I can talk about being excited
for this year’s event. This is the first year I will be involved in the
MOM clinic, and I’m so excited to contribute to this wonderful
event! This MOM clinic is a great opportunity to make a lasting
impact on the oral health of patients and families, and provide
much needed care to underserved children in Michigan. I’m
looking forward to a great weekend in Big Rapids!” – Veronica
Hamilton, DDS
The event is being held in Big Rapids on May 30-31, with
set-up May 29th and tear down June 1. Sign-ups will be open
beginning in March. If you would like a reminder email, send
your name to: [email protected]. Hope to see you there!
Why Volunteer at MOM 2014?By Margaret Gingrich, DDS, WMDDS President
T
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 27
M I S S I O N O F M E R C Y
Chris Smiley, Zach Breen, Lucas McShosh, and Andrew Grillo
MOM clinic area.
A note from a grateful patient.
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201428
Managing the MillennialsSubmitted by Richard L. Chrisman, CPA MST, Hungerford Nichols CPAs + Advisors
P R A C T I C E M A N A G E M E N T
am always looking for training on topics that I think
will help me to improve our firm. One topic that I
found very beneficial was how to understand and man-
age the different generations in the workplace. Our workforce
has been changing over the years. We needed to change how
we recruit, retain and manage our employees. We made some
changes and it has been paying off with less turnover and hap-
pier, more productive employees. Following are some of my
thoughts on this topic.
The generation that is causing a lot of the change is the
Millennials. The Millennials are individuals that were born
between 1980 and 2000. They are a talented and dynamic
group. Some are already in the workforce; and many more
are on the way. As the Millennials get out of school and enter
the workforce and the Boomers retire, the percentage of
Millennials in the workforce will continue to increase. Their
influence is growing and they are forcing organizations to
change how they manage their people.
The Millennials view the world differently than their older
coworkers. They were brought up differently. They have
developed their characteristics from doting parents and living
very structured lives. They are used to working in teams. They
have a “can-do” attitude about completing tasks; and they like
to get frequent positive feedback. They have a positive atti-
tude and are confident in what they can do. They seek leader-
ship from their older coworkers, but expect their coworkers to
listen and respect their ideas. They like challenges and dislike
anything boring. They are used to juggling many activities,
so they want flexibility in their schedule and a good work/life
balance.
If you want the best people from this generation in your
practice, it will be necessary to understand and meet their
particular needs and expectations. It might be necessary to
alter your management style some and/or implement new
company policies that will help to recruit and retain the
Millennials. Here are some tips:
• Be a coach – They want to look up to you. They want con-
stant feedback on how they are doing. You need to allocate
time for teaching and coaching them. They deserve and
want you to invest your time in their personal develop-
ment and success. This will make a huge difference in their
overall loyalty to you and your practice.
• Encourage their “can-do” attitude – They can do anything,
their parents told them so. Give them opportunities to
prove it. Let them make their own decisions and do things
their own way. Whether they succeed or fail, they will learn
and grow from it. You might be surprised at what they can
accomplish if you give them responsibilities and trust them
to complete the task.
• Encourage a team effort – Millennials thrive when on a
team. They believe working as a team will accomplish more
and do the job better. Growing up they experienced team
success. As adults they like to gather in groups and play on
teams. Promote your organization as a winning team – and
them as key players that are contributing to the team’s suc-
cess.
• Listen to them – These young people have ideas and opin-
ions. They want to be heard. Their loving parents always
listened to them when they were kids. Allocate time to
listening and staying connected with your people. Show
them that their input and feedback will make a difference.
Implement their ideas if you can.
• They like a challenge – Boring is bad. They like their work
to be always changing and getting more difficult. They
want to climb the next mountain. They like to feel they are
growing professionally and are making a contribution to
the practice. Give them a challenge.
• They are technology savvy – They have grown up with all
kinds of electronic devices. Take advantage of the technol-
ogy capabilities of these young people. There is a lot we can
learn from them. They can get a message out fast if they
want to, and they can get information fast when they need it.
I
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 29
And now for our next good idea: A SIMPLER NAME.
Hungerford, Aldrin, Nichols & Carter is now
Hungerford Nichols. A simpler name for the
same great depth of expertise, friendly service,
and most of all — good ideas you’ve grown
to expect.
Please check out our new website at
HungerfordNichols.com to see our new look
and fi nd a wealth of valuable information and
resources for your dental practice.
Rick Chrisman, CPA, Managing Shareholder
(616) 949-3200
P R A C T I C E M A N A G E M E N T
• Provide them a good work/life balance – This generation
values their personal lives. They want a flexible schedule
so they can fit everything in. Millennials fill their lives with
many activities. They play on sports teams, give time to
charities, spend time with family and friends and take nice
vacations. They are willing to work hard, but not if they
have to make sacrifices in their personal lives.
• Mix in some fun – Millennials want to enjoy their work.
They want to make friends at work. Plan activities that will
give them opportunities to socialize with their coworkers.
Create a culture where they look forward to coming to
work. They want to have some fun and laugh a little.
• They can multi-task – They can talk on the phone, send
emails, answer instant messages and eat their lunch all at
the same time. This is their life. You can give them multiple
tasks to complete, and they will figure out how to get it all done.
• Take advantage of their networking skills – they are com-
fortable with teams and group activities. They like to build
their personal network, either face-to-face or electroni-
cally. They can help you build your practice if given the
opportunity and direction.
Of course you cannot stereotype an entire generation.
Some employees will fit this description and some will not.
But there are definite trends emerging in the workplace that
are being initiated by the Millennials. A successful practice
needs to be aware of these trends and evolve with the times.
Richard L. Chrisman, CPA, MST is the Managing Shareholder of Hungerford
Nichols CPAs + Advisors, a Tax, Auditing and Business Advisory firm with
offices in Grand Rapids and Greenville, Michigan. The firm is celebrating 73
years of helping local businesses, including many area dental practices.
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201430
C L A S S I F I E D A D S
Associate position wanted – Newly
graduated dentist from UDM looking
for full time position as an associate
of progressive dental practice in
Grand Rapids and surrounding areas.
Please call 616.617.9725 or email
Associate Position Wanted – Fourth-
year at University of Florida COD
and Michigan native seeking full-time
associate level opportunities in greater
Grand Rapids area beginning summer/
fall 2013. [email protected] or
248.568.0839.
Kavo Handpieces for Sale –
6000B have 5 at $400/handpiece,
6500B have 6 at $400/ handpiece,
647B have 8 at $200/handpiece,
640B have 2 at $200/handpiece,
649B have 2 at $200/handpiece.
Call 616-453-6323.
Too busy in your own office and need the extra help? Dentist with
nine years of experience looking for
part-time employment. Please email
For Sale – Kavo GentleRay 980 Diode
LASER. Specializes in management
of all soft tissue procedures such as
gingival troughing, aphthous ulcer
treatment, and perio pocket treatment
as well as bleaching. Features a large,
bright touch screen with built in clini-
cial tutorials for easy practice integra-
tion. Like new, used approximately
15 times. Includes ALL accessories
needed for immediate use including
protective eyewear for doctor, patient
and assistant and 3 tips for handpiece.
Also includes rolling cart for portabil-
ity. Please call or email for details/
photos. Phone 616.606.3263, or email
[email protected]. Purchased
for approximately $10K. Asking
$5,500/obo.
Well established high quality practice in Kentwood area is
looking for an associate between
1 and 2.5 days a week. Would prefer
a seasoned dentist who has experience
providing high quality patient service.
Please send an email to:
Dental Office Space for Lease/Possible Buyin – 2554 Woodmeadow
Drive, SE (near Breton and 28th
Street), 1300 sq. ft., 4 ops, private
office, lab, reception, staff lounge, full
basement with lockable storage, excel-
lent parking, plumbed for dentistry
and cabled for digital dentistry. Three
other dental suites in an all dental
building. Very competitive lease rate.
Available April 2014. For more infor-
mation, email [email protected]
or call 616.401.5134.
For Sale – Lab Master Foster Model
Trimmer, Model # MT115, like new
$600. Contact 616.949.7510.
Immediate opening for an associate
dentist in the Grand Rapids area. We
are an up-to-date, modern office that
is completely paperless. Our office
performs all aspects of general and
cosmetic dentistry. Email your resume
The classified ad rate is $10.00 up to and including 30 words; additional words 15¢ each. Space permitting, WMDDS members may
place ads free of charge as a membership service. Ads should be submitted in writing and sent with payment to Elaine Fleming,
WMDDS, 511-F Waters Building, Grand Rapids, MI 49503. Telephone numbers and hyphenations count as two words, abbrevia-
tions count as one word. Ads received after the first of the month prior to publication may appear in the following issue.
We need your help in changing lives, one smile at time. Michigan
Community Dental Clinics, Inc. is
seeking dentists to join our elite group
of 60 quality oriented dental practitioners.
We have experienced exponential
growth throughout Michigan over a
five year period. Our growth contin-
ues, and we have several more offices
opening in the coming years. We wel-
come talking to dentists and dental
specialists who have a mindset of con-
tinuous quality improvement. Our
culture is one which places “patients
first.” Due to recently increased capac-
ity, we have outstanding full and part-
time opportunities. Our facilities fully
utilize an electronic patient record,
state-of-the-art equipment and the
finest sundries available in dentistry.
Our facilities are operated utilizing
a private-practice model with poli-
cies and procedures that encourages
efficiency, productivity, improving
quality, and cost control. We operate
Monday through Friday with no eve-
ning or weekend hours. Our full-time
positions offer very competitive remu-
neration and a comprehensive benefits
package that includes paid holidays,
medical, dental, vision, retirement,
disability, paid Continuing Education,
professional liability insurance, and a
wellness program. For more informa-
tion on specific clinic openings con-
tact Wendie Rodriguez, Professional
Talent Acquisition Coordinator at
[email protected] or call
231.437.4739, or visit our website at
www.midental.org to learn more.
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 2014 31
C L A S S I F I E D A D S
The Bulletin wishes to thank our valued
advertisers who support organized
dentistry by helping to defray the cost
of printing and mailing.
Advertising in the Bulletin is seen
by over 90% of the dentists in the
West Michigan District. This includes
five of the fastest growing counties
in the state: Kent, Ottawa, Ionia,
Montcalm and Mecosta.
For information on advertising rates,
call Elaine Fleming, WMDDS Executive
Secretary at 234-5605. Target your Market
– advertise in the Bulletin!
AMC Mobile Anesthesia ..................20
Beene Garter ......................................20
DBS Companies ................................32
DDS Integration .... outside back cover
Davis Dental
Laboratory ............... inside front cover
Founders Bank & Trust ......................5
Great Lakes Financial Insurance ......16
Henry Schein ............inside back cover
Hungerford Nichols .........................29
Keystone Pharmacy ..........................32
MDA IFG ...........................................17
Professional Solutions ......................18
Studio 2 Dental ...................................8
A D V E R T I S E R I N D E XExciting opportunity for dentists
to provide children with dental care
in Grand Rapids area schools. No
evenings or weekends. Apply at
www.smileprograms.com.
For Sale – Family practice in Grand
Rapids NE that is part time with great
potential, located in an excellent high-
visibility location. There is 2050 sq.ft.
with 5 ops and a 6th op is plumbed
in. Opportunity for more footage if
desired. Call 616.485.4884 for details.
Antique Dental Drill for Sale – $70.
Please call 616.241.4061 and ask for Sue
deHaan or email [email protected].
Seeking full-time employment in a
West Michigan general practice office
to contribute immediately to the suc-
cess of an office with a willingness to
work nights/weekends to help bolster
production and practice availability, as
well as generate new patients. I have a
desire to be included within the prac-
tice’s leadership team to contribute to
decision making, developing strate-
gies for practice growth, and to sup-
port team development and morale.
I’ve been consistently regarded as
responsible, personable, a producer,
positive, professional, and upbeat. I
am currently in a hospital based GPR
and am comfortable with all aspects of
dentistry, including endodontics and
surgery. For a copy of my resume and
to discuss possible opportunities in-
detail, please contact me at grapdds@
gmail.com or call 989-225-0753.
Grand Rapids Area – Suburban
general practice with revenues just
under $800,000. Family based prac-
tice, six equipped ops. The owner
works 26-32 hours a week with the full
procedure mix. Room to grow. Owner
willing to stay on part time if needed.
For details contact Phil Stark, Peak
Practice Transitions, 888-477-7325 or
visit www.peaktransitions.com.
WEST MICHIGAN DISTRICT DENTAL SOCIETY | WINTER ISSUE 201432
Keystone Pharmacy uses the latest technology and purest ingredients to create custom, compounded medications, according to your prescription. We also offer the convenience of free delivery to your office or patient’s home. Call Keystone today—your accredited compounding experts!
creams & gels • gummies, lollipops & lozenges sterile medications • suppositories, sprays and more
KEYSTONE PHARMACYSpecializing In Your Health
4021 Cascade Road SEGrand Rapids, MI 49546616-974- 9792www.keystonerx.com
Happier Patients—One Compound at a Time
Bay City, MI Main Office 800-327-2377 Dr. Peters, Grand Rapids, MI Direct 616-550-3913 [email protected]
We mentor dentists!
We teach dentists!
We coach dentists!
Dan Peters, DDS Consultant & Life Coach for Dentists
Accounting, Consulting, Coaching, Investment, and Practice Transitions for the Dental Professional
WMDDS 1.30.2014 Ad - Dan Peters Highlight.indd 1 2/2/2014 2:07:56 PM
Dr. Palm and new MDA CEO/Executive Director Karen Burgess cutting a cake celebrating the
pay-off of the MDA headquarters building in Okemos. Photo by Jeff Mertens.
WHEN IS THE LASTTIME A PATIENT BRAGGEDABOUT YOU?ATTRACT NEW PATIENTS WITH PLANSCAN SAME-DAY RESTORATIONS.
SCHEDULE YOUR PLANSCAN DEMONSTRATIONTODAY AND GET A FREE RESTORATION* .With the PlanScan CAD/CAM Restoration System, driven by E4D Technologies, you can produce lab-quality restorations in hours instead of days – with remarkable speed and accuracy, intuitive design software, on-site milling and, of course, no impressions or powders. The resultis a vastly improved restorative process that gives you – and your
patients – a positive dental experience to brag about.
Contact your Henry Schein Consultant or call 844-251-4255
See how easy it is to take a digital impression with PlanScan.Schedule your FREE in-office restoration at www.planmecacadcam.com/request-demo*Certain restrictions apply. Consult your Henry Schein Consultant for details.