Our Team

Theodore C. Schumann: CEO, CPA, CBC, CFP®, Partner & President

Ted SchumannTed joined his father, E.J. “Mike’’ Schumann in 1979 when the practice served a variety of small businesses. Within a decade, Ted founded Dental Business Services to serve the business needs of dentists and began exploring related services affecting dental practices. Today Dental Business Services is one of a number of businesses that comprise The DBS Companies, which provides accounting, tax, financial and estate planning, practice brokerage, and practice management services for dentists.

In 1989 Ted started what has become one of his passions, organizing educational seminars for dentists and dental students. He is a frequent speaker at dental trade associations around the country and is regular lecturer at the University of Michigan Dental School and at the University of Detroit-Mercy Dental School. Ted also is a contributor to numerous dental industry publications around the country.

Ted formed DBS Professional Practice Brokers in 1993. It serves the interests of dentists who are in the market to buy or sell dental practices. In 1996 he was one of the founding members of American Dental Sales, a professional trade association that maintains the largest existing database of dental practice sales. He has expanded into personal consulting for dentists who require professional coaching.

Ted is a 1977 graduate of Western Michigan University, a Certified Public Accountant, a Certified Business Counselor and a Certified Financial Planner™.

Jack G. Frank: MST, EA, Partner

Jack FrankJack joined Ted in founding Dental Business Services in 1989, and helped the company grow its tax and estate planning division of the company. Dental Business Services handles the tax affairs for its clients from individual returns, partnership returns and corporate returns, and serves as our client’s representatives involving local, state and federal taxing agency issues when needed.

Jack is a 1992 graduate of Northwood Institute, Midland Michigan, receiving an Associate’s degree in Business and Accounting and a Bachelor’s degree in Business Administration. In 2002, he received his Master of Science in Taxation from Walsh College in Troy Michigan. In April of 2006 he was enrolled to practice before the Internal Revenue Service as an Enrolled Agent.

Jack also represents the company in the community as the Finance Director of the Bay City Fireworks Festival, one of Michigan’s largest Firework Festivals. This year-round planning and fund raising effort brings great joy for him and the company bringing this fabulous event to the area in celebration of our Nation’s independence each year!

Theodore C. Schumann: II, MBA, MSF, CFP®, AIF®, Partner

Ted Schumann IIA third generation financial planner, Theodore C. Schumann, II, MBA, MSF, CFP®, AIF®, is an Investment Advisor Representative and managing partner of DBS Investment Advisers, LLC. From portfolio management to comprehensive retirement and financial planning, debt-reduction strategies and fiduciary client service, Schumann serves as a direct point of contact for DBS investment services. Ted is a graduate of Central Michigan University and earned his MBA and Master of Finance from Walsh College.




Sarah J. Pajot: Transition Specialist, Sales Agent & Loan Coordinator

Sarah PajotSarah strives to provide step-by-step coordination of practice transitions for a smooth experience for doctors, staff and patients alike. With over 15 years of experience with the DBS firm, she has gained a broad perspective of working in accounting, brokerage, consulting and loan coordination and currently represents clients in northern and western Michigan during the practice brokerage process.





Dr. Dan Peters: Life Coach Consultant

Dan PetersDr. Dan Peters practiced dentistry with his wife and partner Deb in Grand Rapids for 18 years. During that time and under the continual guidance of DBS, Peters Family Dentistry grew from a very small old fashioned storefront office to a large modern office. Unfortunately, a severe wrist injury prematurely ended Dan’s clinical career in 2012; Peters Family Dentistry continues on with Deb Peters working along with an associate dentist while Dan continues to handle many of the macro management duties for the practice. Dan and Deb continue to be accounting, tax, and investment services clients of DBS. Peters Family Dentistry is one of DBS’s model practices from a production, collection, patient care centered, and profitability standpoint. Perhaps most importantly, Dan and Deb have managed to strike a comfortable balance between work and their family life all along.

Dr. Dan joined the team at DBS in late 2013 as a Job Coach/Lifestyle Coach to Dentists. He works almost exclusively with his colleague dentists to remove barriers that exist between the dentist and their desire for greater success. If you ask Dan what he does for his clients, he would tell you that he is a coach, friend, mentor, teacher, colleague, and accountability partner both in business and personal/family areas.

Dan is passionate about dentistry and sees his work at DBS as his opportunity to give back to the profession that he loves so much. He is very easy going and low pressure. Please give Dan a call or drop him an email if you have anything you’d like to talk about. Whether it leads to a future business relationship or not, Dan loves to make friends with his colleagues.

Britni M. Ketola: Accounting Manager

Britni M. KetolaBritni started with Dental Business Services Inc. in November 2011. She started as an accounting assistant and was finishing up her bachelor’s degree in accounting from Northwood University. With hard work and dedication, she was able to complete her degree and advanced to staff accountant in 2013. She is always striving to continue to learn and stay educated, so once she became a staff accountant, she started studying for the CPA test. Once she passes all four parts of the CPA exam, she went to Keller University for her master’s certificate in financial analysis and graduated with a 4.0 GPA. She has since been promoted to accounting manager. Her next goal is to take the CFP® exam to also become a CERTIFIED FINANCIAL PLANNER™.

Britni is passionate about providing the best service possible and also training the new staff at Dental Business Services to do the same. Her goal is to keep the business motto of being “The Best There Is.”


Debbie Love: New Client Manager

Debbie LoveDebbie Love joined DBS in 2004 as the manager of the accounting department, and in July of 2015, she transitioned into the position of new client manager. She strives to provide exemplary client service while building lasting relationships with clients. She guides new clients through the set-up process then works with them between 9-12 months before transitioning them to one of our staff accountants. She continually makes this a seamless process. Debbie also prepares monthly and annual accounting and financial statements, as well as, corporate and partnership tax returns. With over 32 years of experience in public accounting and being a Bonded Michigan Notary Public since 2001, Debbie is truly an asset to the DBS team.