How It Works
Four sources. One debt-free trajectory.
The ADPP retires your student debt by stacking contributions from four sources tied to your practice's economics and the Master DDS One ESOP — applied to your loan balance every year until it's gone.
Practice Profits
A share of the practice's annual profits is directed toward your student debt.
Real Estate Arbitrage
Value created through the practice's real estate is allocated toward your payoff.
ESOP Cash & Notes
As the ESOP recapitalizes, cash and deferred notes flow toward your balance.
ESOP proceeds may be §1042-deferrable — confirm with a tax advisor.
§127 Educational Assistance
Up to $5,250/year in employer educational assistance, applied tax-free under IRC §127.
The stack at work
Annual contributions, applied to your remaining balance.
Stacked bars show each bucket's annual contribution; the line is the remaining loan balance. Your numbers depend on your debt and your practice's deal economics.
A partner from Day 1
You're not an employee forever — you're vesting into ownership.
Unlike a corporate DSO where you're an employee forever, ADPP associates vest into real equity — for example, up to 10% by Year 5 — through the Master DDS One ESOP, the same structure validated by CSG Partners.
Visit the Doc to Doc Alliance10%
Vested equity by Year 5
All figures are projections derived from a specific practice's deal economics. ESOP proceeds are §1042-deferrable; warrant values reflect projected Master DDS One performance per CSG Partners feasibility analysis. Not tax, legal, or financial advice.