Dentists Who Invest Podcast: Recent Episodes
Dr. James Martin
Official Podcast of the Dentists Who Invest platform. Talking all things investing, money and finance with a dental spin. Have you ever wondered how you can grow your wealth and protect your hard earned money as a Dentist? We've got you covered. Featuring famous guests such as Andrew Craig, Edward Zuckerberg and Benyamin Ahmed we delve deep into EVERY aspect of finance to educate and empower ALL Dentists.
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———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————A squat dental practice can look glamorous on social media, but the reality is a messier mix of risk, debt, decision pressure, and people problems. We talk candidly about what changes when you stop being an associate and start building a practice from scratch, including why buying a practice feels “simpler” and why a squat requires a completely different mindset around planning, data, and culture. If you are a UK dentist thinking about dental practice ownership, this is the grounded framework we wish more people heard earlier.
We start with a personal story of a thriving mixed practice that gets sold to a corporate, then rapidly falls apart as the team and patient list evaporate. That experience sparks a bigger question lots of dentists carry quietly: should I stay put, buy, or open my own? From there we lay out a clear decision-making approach called the certainty compass, designed to cut through overwhelm and three common traps: prestige spending, rushing a quick escape, and overthinking until the opportunity disappears. We bring it back to three simple checks: patient benefit, what the data actually says, and your true worst case scenario.
Next, we get practical about growth: building an A-team in a new practice and why one toxic hire can drain your culture and profit faster than any marketing mistake. Finally, we break down the “invisible waiting list” and why community building, authenticity, and a consistent personal brand can bring patients in at low cost without turning you into an “influencer”.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Most dentists can tell you what they earned last month. Far fewer can tell you what they earn per hour once the real costs of running a surgery are taken off, and that blind spot quietly wrecks pricing, confidence, and work-life balance. We sit down with Dr Pav Khaira to get brutally practical about dental practice profitability, from implants and oral surgery to everyday restorative work.
We talk about the uncomfortable bits too: the personal cost of business mistakes, why “it feels unethical to charge properly” is often just conditioning, and how patients actually decide who to trust. The big shift happens when you stop thinking in months and start thinking in chair time. If you know your hourly operating margin, you can decide when to put fees up, when to streamline, and when a so-called high-ticket treatment is actually paying less than simpler work.
From there we get into real tactics that stay ethical: how to structure volume pricing so patients genuinely save while your hourly rate rises, how anchoring affects patient perception, and why you are medico-legally obliged to discuss implants after many extractions. We also cover the four levers Dr Papkerer uses to scale results capability, efficiency, volume, and sedation plus a look at where AI in dentistry is heading, including AI-assisted complication pathways and stronger clinical notes.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Your marketing might be doing its job, but your practice could still be losing patients in the gaps you never see. We walk through the “below the waterline” systems that decide whether dental enquiries turn into booked consultations and treatment starts, not just clicks and impressions.
We share a real UK case study from a three-surgery practice in the Midlands that grows from a £65,000 monthly average to £180,000+ across 24 months. The lesson is clear: the difference is not one channel. It is foundations plus follow-up. We talk clinical excellence and social proof, then move into practical dental marketing fundamentals like tracking and pixels, building a clear ideal patient avatar, keeping every online touchpoint consistent, and using multiple platforms so your pipeline is not at the mercy of one algorithm change.
Then we tackle the timeline problem that makes ROI reports misleading. Many patients decide on implants and other high-value treatments six to 18 months before they finally book, so visibility and trust compound over time. We get specific on speed to lead (sub-60 second replies, auto-dial, voicemail recovery), qualification questions that lift lead quality, nurture sequences that reduce no-shows, and how to improve TCO and reception conversion with scripts, call recording and AI-assisted call analysis. We also explain which metrics matter most: cost per booked consultation, cost per attended consultation, and cost per acquired patient by treatment.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Daniel Spencer’s Number: +971 58 579 6650
———————————————————————Bali is not just a dream holiday backdrop, it’s become a serious talking point for investors who are tired of thin UK buy-to-let margins. We sit down with Daniel Spencer, a long-time property investor who started in London and now helps clients invest internationally, to unpack what is actually happening on the ground and why Bali property keeps coming up in conversations about overseas real estate.
We get specific about the numbers and the mechanics: lower entry prices (including studio apartments), the difference between gross and net rental yield, and why occupancy rate is the make-or-break metric for short-term rentals. Daniel also breaks Bali buyers into three clear groups, from people who visit and buy their first place, to families wanting a base that pays for itself, to pure investors funding off-plan villa communities and focusing on the exit. Along the way, we map Bali’s key areas, explain where the “action” sits, and why the island’s post-Covid demographic shift towards entrepreneurs, co-working, and wellness is shaping demand.
Then we move into the questions everyone asks about property abroad: how the buying process works from the UK, when a local company structure may be needed, what role notaries and legal teams play, and how tax can differ depending on whether you buy a villa, an apartment, or a larger project. If you’re researching Bali real estate, Indonesia property investment, or international property for UK dentists, this is a practical starting point for doing your own due diligence.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Twenty dental practices sounds like a headline, but the real story is the unglamorous set of decisions that make scale possible. Dr. Ashkan Pitchforth joins us to explain how a UK dentist goes from a first acquisition to a multi-site dental group, without relying on hype or shortcuts. We talk candidly about the early trade-offs: keeping cash inside the business, living modestly, and staying focused on solutions instead of getting stuck on problems.
A big part of the conversation is dental practice finance. Ash breaks down how he used rapid performance improvement to release equity, what happens when a bank says no, and why switching lenders can unlock growth when covenants and leverage limits tighten. We also dig into how banking changes once you move past roughly 12 to 15 sites, where you start needing corporate-level structure: CFO thinking, forecasting, HR processes and clean compliance that protects you from nasty surprises later.
Then we get into what many owners overlook: the NHS as a strategic advantage when you understand it properly. Ash shares his acquisition criteria centred on NHS contracts and predictable monthly income to ensure debt serviceability. He explains how he learned the rules well enough to move contracts and win tenders, including the humility of stepping into an NHS dental adviser role to learn how commissioners think. Finally, we tackle recruitment and retention, and the therapist-first direct access skill mix model that flips the usual approach so dentists do higher-end work and therapists handle the routine flow, creating a steadier, more satisfying system for the whole team.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Commercial property has been the missing piece on our podcast for far too long, so we brought in chartered surveyor and long-time investor Alasdair Irvine to give you a clear, practical foundation. If you’ve ever wondered why some investors swear by UK commercial property investment while others stick to shares, pensions and buy-to-let, we lay out the real mechanics: what your return is made of, how leases shape risk, and when property genuinely earns its place in a portfolio.
We get specific about rental yield versus capital appreciation, and why commercial property can look steadier than equities day to day even though it is not as liquid. Alasdair explains how borrowing can boost return on equity when the deal stacks up, and we pressure-test the assumptions so you can think in net cashflow terms rather than headlines. We also tackle the residential versus commercial debate, including why repairs and ongoing costs can quietly crush buy-to-let returns, and why full repairing and insuring (FRI) leases often shift responsibility back to the tenant in the commercial world.
Then we zoom out to what’s hot for 2026 and beyond: how risk appetite changes the yield you should expect, why “retail is dead” is an oversimplification, and what has driven industrial property’s standout performance since 2020. We also touch on the office market’s post-Covid reset and what quality and demand look like now.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————A practice can be turning over seven figures and still feel like it’s one bad month away from trouble. That’s not a motivation problem and it’s not a “work harder” problem. It’s financial visibility. We dig into the hidden £100k net profit gap that sits between what your accounts report and what you actually need to know to make decisions week to week, from tax planning to hiring to investing back into the business.
Barry shares the reality of being an accidental business owner: brilliant at dentistry, less confident with P&Ls, and often forced to make calls based on old information. We talk about why annual accounts are inherently retrospective, how that pushes you into “rear-view mirror” management, and why scaling needs a future number that scares you and a plan that works backwards. You’ll hear real examples of what changes when dentists finally know their break-even point and KPIs, and how that confidence shows up in both profitability and quality of life.
Then Shashir gets practical on the question dentists ask all the time: “Why do I have profit but no cash?” We break it down into cash flow forecasting, keeping today’s cash intact while planning future outflows, and avoiding over-leverage when you are growing fast. We also cover dental practice benchmarking so you can spot overspend in staff costs, lab fees, materials and overheads, plus why tracking treatment mix by margin matters more than chasing high production values. Finally, we tackle associate profitability and how transparent data can improve trust, performance, and negotiation.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————That shiny new surgery, refit, extension, or “we had to do it for compliance” upgrade might be doing more for HMRC than it’s doing for you. We’re joined by Chris Lonergan, a tax consultancy director with deep construction and quantity surveying experience, to unpack how UK dental principals can be far more tax-efficient with property spend, legally, using capital allowances that HMRC expects to see claimed.
We talk through why dental practice premises are often a huge slice of personal and business wealth, and why missed relief hits cash flow at exactly the moment you need it for financing, recruitment, equipment, and growth. Chris explains capital allowances in plain language, the difference between plant and machinery allowances and structures and buildings allowance, and the types of “integral features” that are frequently overlooked, from electrical systems and HVAC to fitted cabinetry, security, and access equipment.
You’ll also hear why timing matters: what to do before you complete a property purchase, when to bring in specialist support during a build or refurbishment, and how delayed claims can reduce how quickly you can use the relief. If you’ve spent serious money on a fit-out in the last few years, or you’re planning one now, this conversation gives you a practical framework to ask better questions and protect your returns.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Your diary can be fully booked and your practice can still be quietly losing ground. We recorded this live at the Business of Dentistry Conference in Birmingham with Dr. Chetan Mathias, a seven figure dentist and practice owner who has spent years helping UK dentists install simple systems that improve profitability without compromising care.
We get practical about KPIs for dental practices and why so many principals and associates avoid them: no training, fear of what you’ll find, and the worry that tracking turns patients into revenue units. Chetan flips that on its head and argues that the right numbers actually protect ethics, because they stop you making desperate choices when cash gets tight.
You’ll hear the six “vital signs” he uses to understand practice health with minimal effort: new patient numbers and where they come from, case acceptance rate, production per hour, overhead percentage, patient retention, and team engagement through employee NPS. Along the way we dig into real examples, from wasted Google ad spend that should have been redirected into referrals, to small consultation tweaks that lift conversion, to diary restructuring that restores hourly output, and overhead leaks like clinical waste costs that quietly balloon.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Your indemnity renewal lands and the number looks bigger than last year, so the obvious question is: are you paying more for the same thing, or paying for protection you can actually rely on? We sit down with Adam O’Keeffe from AllMed Pro Insurance Specialists to translate the confusing bits of dental indemnity into plain English, so UK dentists can make sharper decisions at renewal time.
We talk through why renewals peak around July, August and September, why indemnity premiums often rise quickly in the first years after qualification, and how claims trends and claims costs feed into pricing. Then we move past the headline quote and into what really determines value: 24/7 access to dental legal advice, whether you can get claims occurrence cover, and whether your policy has contract certainty with clear terms and conditions and the safety net of the Financial Ombudsman Service.
The most important comparison is discretionary cover versus insurance-backed cover, plus the often-misunderstood world of claims-made policies. We explore what happens if a complaint arrives years after treatment, how retirement and runoff cover fit in, and why vicarious liability means a law firm may pursue multiple parties, including the practice. Adam also shares a practical checklist of extras that can matter when things escalate, including contingent cover when switching provider and PR and reputation protection if a story reaches the press.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————The “go limited at £X” advice gets repeated so often that it starts to sound like a law of nature, but for UK dentists it can be a costly shortcut. We sit down with specialist dental accountant Amman to map out what actually changes when you move from sole trader to limited company, and why the best choice depends on how you earn, how you spend, and what you are building towards.
We start with the plain-English foundations: a sole trader’s profits flow straight into personal tax, while a limited company pays corporation tax first and then you decide how to pay yourself through a director salary and dividends. That opens up planning around National Insurance, dividend tax, and the timing of withdrawals, plus the idea of retained earnings that can stay inside the company for future plans. We also dig into the admin reality in 2026, including Making Tax Digital and why the “limited equals more paperwork” gap is shifting.
Then we get practical. We share three lenses to make the decision: your career path (including NHS versus private work and the NHS pension), your personal situation (outgoings, mortgage plans, partner income, student loan), and your investing goals and risk appetite. Two worked examples show how a younger private associate can benefit from sheltering profits for long-term investing or a practice purchase, while an NHS-heavy dentist close to retirement may be better off staying self-employed. We finish with commonly missed tax-deductible areas, from electric cars and benefit-in-kind to use of home and protection policies, with plenty of caveats on doing things properly.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————If you think selling a dental practice is just about getting the biggest number, this conversation will challenge that fast. We are joined by Maja Thompson from Henry Schein, who works across practice sales and valuations at scale and has seen the real human cost behind once-in-a-lifetime exits. We talk honestly about the emotional whiplash sellers face, from the long build-up to the moment the deal completes, and the unexpected void that can appear when your identity has been tied to ownership for decades.
We dig into what makes an exit smoother years before you ever go to market: planning purpose, setting realistic expectations, and building a life you actually want after the sale. On the business side, we explore practical drivers of dental practice valuation, including diversifying revenue streams across NHS, private, plan income and more, and reducing how dependent the practice is on the principal’s own clinical output. We also get tactical about measurement: chair utilisation, white space, and why “you master what you measure” is a real edge when you are trying to improve profitability and stability.
Then we demystify dental practice due diligence, including what buyers check, why the timeline can drag on for months, and the hidden deal-breakers that trip sellers up. Property and lease length, building compliance, funding alignment, and the realities of CQC registration transfer all matter, and each can slow completion if you leave it too late.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————The day you sell your dental practice can be the most exciting payday of your career and the most dangerous moment for your finances. We see it all the time: years of hard work crystallise into a lump sum, then the reality hits that the practice income has switched off and inflation is still running. So we sit down with financial planners Luke Hurley and Anik Sharma from Videre Financial Planning to map out what actually matters before, during, and after a dental practice sale in the UK.
We talk through how to improve dental practice valuation by reducing owner reliance, tightening systems, and presenting a business that a buyer can run without you. Then we get practical about deal structure: asset vs share sales, deferred payments, and earn-outs, and how each option changes tax and your real “money in your pocket”. The key idea is simple but often missed: know your number. With cash flow modelling, we can work backwards from the lifestyle you want across different retirement phases, include NHS pension and State Pension, and test whether a proposed sale price truly funds financial independence.
From there, we tackle what happens the moment the money lands: protecting capital, understanding FSCS limits, when NS&I can make sense, and why a cash management plan for the first 12 to 24 months prevents panic. We also cover behavioural traps like analysis paralysis and market timing, plus how portfolio stress testing across long-term history can guide sensible withdrawal strategies. Finally, we demystify inheritance tax planning, trusts, and when a family investment company might be appropriate, including why acting before the capital event can widen your options.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-
———————————————————————Download your Goodwill Report here: https://dentalelite.co.uk/goodwill-report/
———————————————————————Goodwill gets talked about like it’s a casino, but the numbers tell a steadier story, and that’s exactly why we recorded this. We sit down with Luke Moore, co-founder of Dental Elite, to unpack the key takeaways from the Dental Elite Goodwill Report and explain the real forces behind the headline valuation stats. If you’re planning on buying your first dental practice, selling, or simply trying to understand where the UK dental practice market is heading, this conversation gives you a grounded framework to think clearly.
We dig into the “goodwill bubble” claim and why a 10 year view of the FMT multiple looks far flatter than the fear-driven narrative suggests, aside from the unusual COVID spike. From there we explore why valuations can still push higher: more confidence around interest rates, a renewed appetite for ownership among younger dentists, and the simple fact that dental practices have stayed resilient while other asset classes have felt shakier. We also talk about the reality behind profitability, including how principal earnings have risen in cash terms, why associate pay has not kept pace, and how practices have used pricing power to navigate inflation, wage costs and overheads.
Then we get practical. Luke explains how bank lending for dentists is shifting, with more competitive margins, longer repayment terms and options like repayment holidays, all of which change affordability and buyer behaviour. We also cover the supply squeeze that’s creating faster sales and competitive bidding, plus the changing corporate dentistry landscape as tier one and tier two groups return with sharper deal structures, sometimes offering all cash on completion.
Finally, we tackle one of the most surprising signals: NHS practice valuations. With recent NHS dental contract changes such as fluoride applications delivered via skill mix and improved payments for unscheduled care, NHS multiples are rising and groups are paying close attention.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Your accountant should not be a once-a-year tax return machine and your fee should not feel like dead money. We sit down with specialist dental accountant Alliah Hamid to get practical about what “good value” actually looks like for UK dentists, from associates doing self-assessment to principals running a growing dental practice. If you have ever wondered whether you are overpaying tax, missing allowable expenses, or simply not getting answers when you need them, this is a clear route map for the conversation you should be having.
We unpack the mindset shift from cost to investment, then make a sharp distinction between a compliance accountant and an advisory accountant. Alia explains how advisory support works in real life: understanding your goals, spotting changes in your income, keeping up with HMRC changes like Making Tax Digital (MTD), and helping you stay tax efficient without stepping outside the rules. We also talk through why dental-specific knowledge matters, including common associate costs, travel to non-permanent workplaces, education and study, and when working-from-home claims may apply.
Finally, we get blunt about red flags: accountants who hide behind jargon, fail to ask intelligent questions, or stay vague about what is included in their fee. You will leave with a short list of questions to ask your accountant on Monday, plus a clearer idea of what support you should expect as you move from sole trader associate to limited company considerations and ultimately to practice ownership.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Your mortgage rate is not just about the Bank of England base rate and this chat proves why. We sit down with Sarah Grace, a specialist mortgage broker who works closely with UK dentists, to unpack what is happening in the mortgage market as a huge wave of borrowers roll off two-year and five-year fixes. If you are moving from a sub-2% deal to something that starts with a four, you are not alone and you are not imagining the shock.
We get practical on the decision that matters most right now: fixed rate mortgage versus tracker mortgage. Sarah explains why fixed rates can jump even when base rate holds, how swap rates and the money markets feed into lender pricing, and what that means during periods of global uncertainty. We also talk about the fine print that can save you money later, especially early repayment charges, and why a tracker with no ERC can offer flexibility if you want to switch when the mood changes.
For associates and dentists early in their career, we answer a common worry: whether you need two years of accounts to get a mortgage after becoming self-employed. Sarah shares how some lenders can work from three months of pay schedules, how income may be annualised, and how to think about timing when your earnings are still building. Then we go deeper on interest-only mortgages, including equity requirements, lender rules around downsizing as a repayment plan, and alternatives such as using an ISA or an NHS pension tax-free lump sum as the repayment vehicle.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Download your workbook for this episode here: https://sigma-smile.com/#workbook
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————A dental practice can look busy, feel exhausting, and still be quietly losing tens of thousands in revenue. We sit down with Ravinder Nottra, a profitability coach for dentists, to unpack how Lean and Six Sigma can turn the daily chaos of overruns, long waits, and inconsistent workflows into something you can actually see, measure, and improve.
We start with a familiar pain point: the “30-minute wait”. Rav shows how delays are rarely caused by one big mistake, but by a cascade of small defects that stack up, then links that operational drag to the numbers that matter: no-shows, overheads, and how small percentage wins can translate into meaningful profit. From there we dig into Lean thinking, mapping the patient journey to strip out waste, and Six Sigma, reducing variation so your diary becomes predictable rather than hopeful.
You will hear practical examples from McDonald’s consistency, Formula 1 pit stops and SMED, plus surprising bottleneck lessons from the NHS and Heathrow that apply directly to reception, chair time, and pre-appointment communication. Rav also shares three tools you can use immediately: the Five Whys, Pareto thinking, and tight standard operating procedures that protect quality and boost practice valuation by making performance repeatable.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
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———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Most investing mistakes are not dramatic blow-ups, they are quiet, expensive decisions made in the wrong order. We keep it simple and practical by using a four-part framework you can apply to any portfolio: choose your asset first, then the fund, then the account, and only then the platform. That one change stops you picking a shiny investing app and shoehorning your plan into whatever it happens to sell, and it puts the focus back on what actually drives results: asset allocation and time horizon.
We dig into the part almost everyone gets wrong: confusing risk with volatility. Volatility is the price of admission for long-term returns, especially if you are investing for 10+ years. We also pull inflation into the conversation, because returns that fail to beat inflation are not real progress towards financial freedom. Using clear examples, we explore why some “low risk” portfolios can be risky in a different way, by making it harder to reach your goals.
From there we move into the nuts and bolts: using funds, ETFs and index funds for global diversification, what to look for in tracking and fund charges, and why passive investing often wins after fees. We then weigh up UK investing accounts such as a General Investment Account, an ISA, and a pension or SIPP, focusing on the trade-off between tax efficiency and access. Finally, we talk platforms, the reality behind “no fee” claims, flat fee versus percentage pricing, and the fee ranges that should make you pause.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
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———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Interest rates are supposed to be boring, but they can decide whether your practice feels effortless or constantly tight on cash. We sit down with finance specialist Kevin Saunders to make sense of the latest Bank of England base rate picture, why inflation still matters, and why some economists are now talking about rate rises again rather than cuts. If you are a UK dentist with a loan on a variable rate, or you have borrowing you have not looked at in years, this is your nudge to stop running on autopilot.
We get practical about refinancing for dentists: who should consider a review (especially borrowing taken out between 2008 and 2020), how practice valuations can unlock better terms as your business matures, and why stacked short-term equipment finance can quietly drain your monthly cash flow. We also talk through the real-world friction costs people forget, like valuation fees, legal fees, and early repayment charges, so you can judge whether switching is genuinely worth it.
Kevin shares how newer lending products and longer terms, including 20-year goodwill loans, can reduce repayments even if the interest rate is slightly higher. The goal is simple: improve cash flow and direct the surplus into building personal wealth, including paying down your residential mortgage where there is no tax relief on interest. We finish with straight talk for first-time buyers: waiting for the “perfect” rate can mean missing the perfect practice.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Patients do not have a checklist for your clinical skill, but they do have a radar for trust. We sit down with marketing specialist Rahil Kumar from MiSmile Media and dentist and speaker Dr Dan Shaffer to get brutally practical about personal brand for dentists in the UK, and why it changes everything from your diary to your pricing power. If you have ever thought “posting won’t really make a difference”, we challenge that comfort-zone logic and show what being visible actually does for your career.
We talk about what a personal brand really is: not a logo, not a claim of being “high quality”, but the sum of every touchpoint patients experience. Dan shares how authenticity and integrity create a USP patients can feel, and why personal stories land when they are true rather than engineered for likes. We also explore the reality that most patients cannot easily judge clinical nuance, so they choose the dentist they trust, the one who communicates clearly and feels consistent online and in the practice.
Then we get tactical: which platforms matter, how Instagram and Meta algorithms work, why short-form video wins attention, and what to do if you hate being on camera. We also zoom out to the in-practice details that make or break a premium brand experience, plus a case example where consistent organic social starts bringing patients in without turning on the paid ads tap.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Quarterly tax reporting is coming for self-employed dentists, and the fine print matters more than most people realise. We sit down with Vanessa, a tax partner specialising in the dental sector, and Anita, an MTD Client Services Director, to make Making Tax Digital for Income Tax feel practical rather than intimidating.
We talk through what HMRC actually requires: digital records, MTD-compatible software, and quarterly updates submitted one month and seven days after each quarter end. We clarify who is in scope from April 2026, why the £50,000 threshold is gross qualifying income (and why “qualifying” means self-employment and rental income), and how the phased reductions to £30,000 and £20,000 may pull more UK dentists in over time. We also explain the final declaration that replaces the traditional Self Assessment return for the 2026 to 2027 tax year onwards, plus what still gets added at year end.
From there, we get tactical. What does a dental associate report when the bank only shows net pay? How do you handle mixed NHS and private income, side income streams, or rental property? We discuss software choices including Xero, Sage and QuickBooks, the pros and cons of bank feeds, why separating business and personal accounts saves stress, and how to avoid messy reconciliations that create problems later. If you want support, we also outline service options from light-touch review to fully managed reporting and quarterly planning.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————If your practice is “booked up for eight weeks”, you might feel successful, but you could also be bleeding high-intent patients who simply will not wait. We sit down with Rahil Kumar from MySmile Media to unpack what organic marketing really means for UK dentists in 2026, and why the basics now decide whether patients choose you or move on within minutes.
We talk funnels in plain English: every view, click, and doorstep glance sits at the top, then the journey narrows through enquiry, consultation, and attendance. From there we get specific about the points most practices miss, like lead response time, how to remove friction from booking, and why your website is not a brochure but a growth engine. Rahil shares the practical checklist he uses when auditing dental websites, including mobile-first design, loading speed, clearer calls to action, and writing that patients actually understand.
The conversation also turns to the AI shift: people are using ChatGPT for everyday searches, and Google’s AI Overviews are changing how patients consume information. The takeaway is not to abandon SEO, but to treat it as a long-term practice builder that earns trust and visibility over time. We finish with an organic social media plan you can stick to, why three consistent posts a week beats sporadic bursts, how to balance before-and-after content with human stories, and when TikTok is worth your energy compared with mastering Meta first.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————If you’ve ever wondered why two clinicians can place the “same” dental implant but get wildly different long-term results, this conversation gets to the heart of it. We sit down with Dr Pav Khaira, founder of the Academy of Implant Excellence, to unpack how biomechanics, diagnostics, and patient communication combine to create predictable implant dentistry that is faster, safer, and more profitable per unit time.
We talk through the practical decisions that quietly drive success: structured diagnostics that remove uncertainty, sinus lift planning with an honest view of difficulty, and defect classification so regeneration choices are deliberate. Pav explains why biology and even the boring parts like histology matter, because healing happens at a microscopic level whether we acknowledge it or not. Stack enough small “marginal gains” and you reduce complications, post-op issues, and remakes without adding chair time.
On the biomechanics side, we get specific about implant axis, horizontal position, depth, connection type, diameter, occlusion, and why vague lab scripts like “screw retained crown please” can store up problems. We also dig into the human side: listening to anxiety, avoiding pushy sales tactics, recommending implants ethically, and building trust strong enough that patients refer friends and family. We finish by linking clinical skill to financial freedom and why IV sedation can be a game-changer for uptake and patient experience.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Your ads can be “working” and your diary can still be empty. That’s the painful gap we tackle as we get practical about paid advertising for dentists and dental practice owners heading into 2026. I’m joined by co-host Dr Dan Shaffer and marketing specialist Rahil as we unpack what’s genuinely changed on Meta, why the algorithm now pushes towards creative that feels bespoke to the viewer, and why “creative is key” is no longer a catchy line but the deciding factor in performance.
We compare Facebook and Instagram ads with Google Ads (PPC) in a way that makes sense for real-world patient acquisition. Google often brings higher intent leads because people are actively searching for implants, Invisalign, emergency appointments, and cosmetic treatments. Meta can generate more eyeballs and cheaper leads, but those enquiries can be harder to contact or less ready to book. Our north star stays the same throughout: bums on seats, not vanity metrics.
We also get specific on execution: when to use a conversion-focused landing page, when a Meta lead form helps, and why sending traffic to a generic homepage usually breaks the journey. We talk testing culture (static vs video, captions, colours, variations), boosting winning organic posts, and how AI is reshaping marketing through longer search queries, Google AI Overviews, and zero-click searches. If you’re trying to set a smarter dental marketing budget and build a funnel that converts, this one will sharpen your thinking.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————A Friday afternoon phone call. An unannounced CQC inspection. A notice of decision to close that meant it would be illegal to treat patients. Ahmed Giaziri went from running his first practice to facing every principal’s nightmare, and the way he rebuilt afterwards is one of the most practical UK dentistry business stories we’ve heard.
We talk through Ahmed’s route into dentistry, from a strict upbringing in London and a near-miss with medicine to studying at Trinity College Dublin, then working as an associate in Australia before returning to the UK. He explains why he bought his first private practice in 2013, what he got wrong about management and compliance, and how a malicious complaint escalated into a CQC shutdown scenario during renovations. We also unpack how Denplan supported the turnaround, and what that taught him about systems, cash reserves, and leadership.
From there, we get into the mechanics of scaling: why a simple NHS and plan model can still be highly profitable, what he looks for in repeat income, and how he uses marketing to grow private dentistry on top. Ahmed shares how goodwill lending works in UK dental practice finance, why banks back dentistry differently to other sectors, and how he thinks about buying the freehold and separating property into a limited company for longer-term passive income. We finish with delegation, ops structure, mentoring associates to improve retention, and the honest question of how sustainable growth feels when you’re still in clinic.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————You can spend years paying for dental indemnity and still feel unsure about what actually happens when things go wrong. We wanted to fix that by pulling apart the most common indemnity myths we hear in practice and replacing them with plain-English explanations you can use at renewal time.
We talk through the real differences between discretionary dental indemnity and non-discretionary professional indemnity insurance for UK dentists, including why having a contract, clear policy wording, and a route to the Financial Ombudsman Service can matter when the pressure is on. We also challenge the rumour that “insurers always look for a way out”, and explain what a fair presentation of risk looks like in the real world.
Another big sticking point is fear. Many dentists hesitate to call their indemnity provider for advice because they worry next year’s indemnity premium will jump. We unpack why good providers want you to call early, how early notification helps resolve issues before they become claims, and why risk management advice can be as valuable as the cover itself. From there we get practical about pricing: claims made vs claims occurrence, retroactive cover, and why “cheaper” is only meaningful once you understand what is and is not included.
We also cover switching, including the anxiety some clinicians feel about leaving a mutual and whether past work stays protected. If you want to make an educated choice instead of a habitual one, this is the conversation to hear. Subscribe for more dentistry finance insights, share this with a colleague who is renewing soon, and leave us a review with the one indemnity myth you want busted next.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Profit can look healthy and still leave you sweating when the tax bill lands. That tension is exactly what we tackle with Dr Barry Oulton and Shishir Khadka, a specialist dental accountant and CFO, as we lay out seven clear strategies designed for UK dental practice principals who want to keep more of what the business already earns.
We start by getting brutally precise about the numbers most owners mix up: revenue, profit, cash and take-home pay. Shishir explains why production vs collection matters, how timing can overstate profit, and why “money in the bank” is not the same as taxable profit. From there, Barry makes the case for a big but simple shift: you are the owner and the practice is the operator. When you separate personal finances from the business, set a predictable salary and dividend rhythm, and hold a sensible cash reserve, you gain control, reduce stress, and protect exit value.
We then move into practical UK dental tax planning, including the salary vs dividends conversation, pensions as a legitimate planning tool, and why structure across entities can matter for principals with an NHS contract, a private limited company, property, or education and IP income. We also zoom out to wealth building: creating an asset that can run without you, understanding the true cost of drifting without decisions, and tracking the one metric that tells the truth each month: net cash flow. We finish with what a 12-month financial game plan looks like and how real-time data can support better decisions on associate terms, investment timing and tax planning.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Starting a dental practice from scratch at 25 is either madness or the fastest business education you can buy. We sit down with James and Katy Nolan, who did exactly that by launching a private dental squat, learning compliance and operations as they went, and then choosing to go back for more with a second location.
We get honest about why they avoided buying an existing practice and paying goodwill, and why having full control over the brand, the fit-out and the patient experience mattered. They break down the less glamorous realities that hit new owners hardest: cash flow, overheads, staffing, planning, CQC rules, and the moment you realise a dental practice is a business with marketing and sales at its core, not just a place to do dentistry.
Then we dig into the practical stuff every UK dentist wants to know, especially principals thinking about a squat practice: how they filled diaries with almost no budget, including a bold Instagram DM strategy, virtual consults and an early focus on testimonials and transformations. Finally, we zoom out to scaling, discussing systems, managers and the shift from working in the business to working on the business, plus why the second practice can feel even more demanding than the first.
If you’re weighing up a dental squat versus buying, trying to grow a private practice, or wondering whether ownership will give you freedom or become a ball and chain, this one will give you clarity. Subscribe for more, share it with a colleague who’s planning a squat, and leave us a review with your biggest question about practice ownership.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————You can pick the perfect fund and still end up with the wrong life. That’s the uncomfortable truth we dig into with independent financial adviser Luke Hurley from Videre Financial Planning, because the biggest mistake we see isn’t investment selection, it’s skipping the vision that should sit above every financial decision.
We start with three grounding ideas: time is your most precious resource, happiness is the real end goal, and money is only the enabler. From there we get practical fast. Luke shares the questions that uncover your “why” (not just “security” or “freedom”, but what that actually means day to day), then shows how to turn values into measurable milestone goals you can plan for without pretending you can predict the future.
Next we define financial independence in plain English: the point where you work because you choose to, not because you have to. We talk about finding your personal “number” by auditing your real household spending, and we add UK context with retirement spending benchmarks. We also pressure test the rule of 25 and the 4% rule, including why they can mislead if you ignore State Pension, NHS pension, rental income, tax, and how spending often changes later in life. Finally, we get into why a pension can sometimes be the last pot you touch and how that links to inheritance tax planning and long term investment strategy.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Frozen thresholds can be more painful than a tax rate rise, and dentists are feeling it everywhere: higher marginal rates, the £100,000 personal allowance trap, and less room for error when cashflow is tight. I’m joined by accountant Matthew Norton from DJH to map the UK tax changes that matter most in the 2026 to 2027 tax year, with plain-English explanations and the practical “what would you do differently on Monday?” angle.
We dig into fiscal drag, National Insurance pressures on practices, and the student loan reality for Plan 2 dentists, including why repayments can barely touch the balance when interest is high. Then we get into the big behavioural shift: Making Tax Digital for Income Tax. If your self-employed turnover crossed the £50,000 line, quarterly reporting and the right MTD software are now essential, and getting set up early is the difference between smooth compliance and last-minute panic.
From there we tackle dividend tax changes, the tiny dividend allowance, and why the old salary-and-dividends routine needs a fresh look for limited company dental practices. We also cover tax-efficient choices that can still work, like keeping money inside the company when you don’t need to extract it, the logic behind holding companies and family investment companies, and the current incentives around electric company cars and benefit in kind.
To finish, we look forward: Business Asset Disposal Relief and capital gains tax changes that affect practice sales, the April 2027 cash ISA limit shift for under-65s, and the growing concern that private pensions may be pulled into inheritance tax planning. Subscribe for more dentist-focused money and tax planning, share this with a colleague, and leave a review if you want more deep dives like this.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————If your dental marketing is “working” but your books are not filling, the problem is rarely the ads. We sit down with Dr Ravil Doshi, a dentist who built a highly successful practice and achieved a multi-seven figure exit, to get practical about what drives real growth in a UK dental practice: conversion, culture, and systems that do not collapse when one person is off sick.
We unpack why practice owners so often feel stuck after investing in SEO, pay-per-click, and social media ads, and how to build a patient journey where every team member knows what to say, when to say it, and how to move the patient forward. We also explore the idea of a communication stack, how to spot bottlenecks using simple KPIs, and where AI can already help by reviewing call quality and identifying missed opportunities.
Associates get plenty here too. We talk about the invisible “treatment plan wall” that caps earning potential, how to present comprehensive options ethically, and how to build trust so patients do not feel they are being sold to. Finally, we get into bigger-picture practice management: growth systems, the role of vision, when buying another practice is actually the right move, and what it takes to build an associate-led practice even with as few as three surgeries.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Your dental limited company can be brilliant for control and planning, but it can also leave you staring at a growing bank balance you cannot access without a hefty tax hit. We sit down with specialist dental accountant David Hossein to lay out the real-world options for extracting wealth tax efficiently, from the basics (salary, dividends, expenses) to the lesser-known moves that can make a meaningful difference over time.
We get specific on what HMRC typically accepts, what needs evidence, and what tends to cause trouble. That includes the £100,000 income cliff edge, how employer pension contributions can reduce corporation tax, and the practical checklist of allowable expenses many UK dentists miss. We also dig into the grey areas listeners always ask about: course travel, business meetings, employing family members, directors’ loans, trivial benefits, and why vouchers are not treated as “non-cash” in the way people assume.
If you are investing through companies or thinking about buying or selling a practice, this matters even more. We explain why property often sits in an SPV, how intercompany loans work, and the “trading company vs investment company” trap that can put Business Asset Disposal Relief (BADR) at risk. For principals, we outline planning ideas around share sales, holding companies, substantial shareholding exemption, and even how surplus cash might be treated on a sale when contracts are drafted correctly.
If you find this useful, subscribe, share it with a colleague, and leave us a review so more dentists can find smarter, calmer ways to handle tax and build long-term wealth.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————A cancelled appointment shouldn’t turn into dead time, and a tiny shadow on a radiograph shouldn’t become a missed diagnosis. That’s why we’re paying close attention to the practical side of AI in dentistry, not the hype. After walking the exhibitions and seeing what’s actually working, we break down the AI tools that can genuinely make a dental practice run smoother and safer.
We talk through AI receptionists and voice agents that integrate with practice management software via API connections, monitor your diary, and automatically call a waiting list to refill last-minute gaps, even running multiple calls at once. We also dig into the human side: why obvious AI can feel off-putting, where patients still want a real person, and why the likely future is AI that frees up your team rather than replaces them.
On the clinical front, we explore AI radiograph diagnosis and how tools such as Pearl-style systems can act as a consistent second set of eyes for caries detection, helping you move faster while staying clinically and medico-legally protected. Then we move into AI that listens to calls and provides coaching feedback, plus dental AI note-takers that draft structured records quickly, along with the non-negotiable safeguard: you must review for hallucinations, missed priorities, and audio errors before anything becomes part of the clinical notes.
If you want more of this thinking live, we also mention the Business of Dentistry event on 9 May at the Eastside Rooms in Birmingham. Subscribe for more practical dentistry, money, and time-leverage conversations, share this with a colleague, and leave us a review with the AI tool you’re most curious to try.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————A SWAT officer in one of America’s most dangerous cities retires at 28, then spends the next 18 years teaching the mindset mechanics that got him there. That’s the story “Neo” brings to our chat, and we dig into what “thoughts become things” looks like when you strip away the hype and treat it like a daily practice you can train. If you’re a dentist who feels stuck, stressed, or quietly burned out, this conversation is built to give you language and tools that you can actually use between patients, on the commute home, or when your brain will not switch off.
We talk about money mindset and financial freedom, but we keep coming back to something deeper: attention. Neil breaks down why most of our 65,000 daily thoughts run on autopilot, how the ego fights new goals by dragging you back to “reality”, and why meditation is less about being mystical and more about learning to hold a calm inner state on demand. We explore affirmations that work because your nervous system believes them, the “knot” feeling that tells you when a phrase is backfiring, and a powerful reframe: ask better questions so your subconscious starts searching for solutions instead of your ego shouting you down.
Neil also shares the “watcher” and compound visualisation techniques that helped him make bold changes fast, plus a simple habit he calls “waking up” throughout the day to interrupt the rat race and reset your mind.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Renovating a dental practice can feel like writing cheques into a black hole. Chairs, HVAC, electrics, partitions, compliance work, reception fit-out, lighting, plumbing, fire systems… the invoices stack up fast, and the tax impact is usually treated as an afterthought. We want to change that. Tax relief through capital allowances can turn a big chunk of commercial property and fit-out spend into real cash flow, and when it’s done properly it is solid, HMRC-recognised planning rather than anything gimmicky.
We’re joined by Chris Lonergan from Bonham and Brooke, a specialist team that blends tax, accountancy and quantity surveying to find what many practices miss. We unpack the key categories dentists need to know: structures and buildings allowance (slow, 3% per year) versus plant and machinery allowances (often far faster). Chris shares a real dental fit-out where around £470,000 of £471,000 spend qualified, and explains how that can translate into tens of thousands in corporation tax savings or even a six-figure income tax repayment for the right circumstances.
We also get practical on the “who can claim and when” questions: what happens if the property sits in a SIPP, how allowances can be unlocked when you buy from residential use, a charity or a developer, and why leasehold improvements can still qualify because the relief follows the party who paid. Then we finish with the weird but real edge cases that show why itemised invoices and specialist review matter, right down to doors, hinges and functional finishes.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Interest rates have spooked a lot of dentists into hitting pause on practice ownership, but that pause can quietly become a habit. We talk through a calmer way to think about buying your first dental practice in the UK, using the lens lenders actually use: long-term serviceability, realistic stress-testing, and the underlying performance of the practice itself rather than a single base-rate snapshot.
Kevin, a specialist dental finance broker, shares what he has seen in the market over the last few years, including why first-time buyers all but disappeared when rates rose and why goodwill values softened at the same time. We dig into the idea that a practice purchase is usually a 15 to 25 year commitment, so “waiting for the perfect rate” can be the wrong game. If the numbers work today, banks typically model affordability at higher rates anyway, and the real question becomes whether the practice can fund the debt and still pay you what you need.
We also get honest about what new owners struggle with most. It’s often staff, leadership, and the first-year reality that you may earn less while you stabilise and grow the business. From there we move into practical funding detail: longer goodwill terms, renewed bank appetite, and when 100% finance is possible, including how loan term choices can matter more than small rate differences. We finish with what lenders look for in your personal finances, CV, and “background assets” like property, ISAs, pensions, or cash, plus what changes when you buy a second practice and how you split your time.
If you found this useful, subscribe for more UK dentist finance and practice ownership conversations, share it with a colleague who’s thinking about buying, and leave a review with the one question you want answered next.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
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A drill-free future sounds like marketing hype, until you see the tools that are already changing day-to-day dentistry. Dan joins me for a wide-ranging, practical chat that starts with career reflection and ends with a clear view of where digital dentistry and AI are genuinely useful, where they raise hard questions, and how practice owners can respond without losing the human side of care.
We dig into what happens when you understand both the clinical and laboratory sides of restorative work and why digital workflows make accountability unavoidable. That leads to the uncomfortable truth many dentists share: perfectionism can be built into the job, because “perfect” is not a single standard. It shifts with anatomy, materials, patient expectations, and the judgement calls you can’t reduce to a checklist.
From there, we look at the new wave of dental AI and innovation we’re seeing at shows: Pearl Dental AI as a communication and diagnostic support tool for spotting early caries on radiographs, and Curodont as a peptide-based treatment approach aimed at remineralising suitable early lesions rather than automatically reaching for the handpiece. We also explore “robo reception” systems that can answer calls at scale, handle bookings, and reduce pressure on front-desk teams, while still protecting boundaries around medical advice and safeguarding.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Want gold exposure but not sure whether you should buy a bar, a fund, or something more speculative? We dig into the real reason people reach for gold in the first place, and it is not because it has the best long-term return. We contrast gold’s historic performance with equities, then get specific about what gold is actually good for in a UK investment portfolio: diversification, an inflation-aware store of value, and a hedge against the failure of paper promises.
We also unpack the key tension that trips most investors up. If you buy gold to diversify away from the financial system, you need to think hard about custody and counterparty risk. Physical gold in your own possession is the “pure” form, but storage and security become your problem. Use a vaulting provider and you gain convenience, yet you reintroduce trust in a company that could fail. We talk through UK-specific tax angles too, including Capital Gains Tax on disposals and the useful detail that certain Royal Mint gold coins can be CGT-exempt.
From there, we map out four practical ways to get gold exposure: holding physical gold yourself, buying gold and paying for storage, owning gold companies or a gold ETF inside an ISA or SIPP, and spread betting on gold prices (tax-free in the UK but high-risk and not for beginners). Along the way, we flag the questions that matter most: what outcome are you aiming for, what risks are you truly hedging, and how much complexity do you want to manage?
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Your diary can look busy while your practice quietly leaks patients, underprices key treatments, and runs on a profit margin you never meant to accept. We sit down with Derek Turner and Alon Preiskel from Collaborate Dental to pin down the metrics that actually move the needle for dental practice profitability, whether you’re a principal, an associate, or planning to buy a practice soon.
We start with a counter-intuitive truth: the biggest growth lever is often not new patient acquisition but how well you manage existing patients. We talk active vs lapsed patients, recalls, forward bookings, and why the front-of-house team is the engine room for retention. From there we move into production per hour and chair value, including how diary utilisation and appointment mix can stabilise cash flow instead of creating a revenue rollercoaster.
Then we get blunt about treatment profitability. Competitor pricing is a weak compass if your operating costs differ. We unpack the real cost stack behind each treatment, how to protect operating profit, and the crucial difference between a measured loss leader and an accidental loss maker. We also discuss why pulling data from your PMS is only the start, and how combining clinical, finance, HR, and marketing numbers in a clear dashboard helps you make faster, calmer decisions.
If you want more control over your numbers and more confidence in your next move, listen now, then subscribe, share the episode with a practice owner friend, and leave a review with the one KPI you’re going to track first.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Ever feel like you’re sprinting from exam to exam with blinkers on, hoping it all “works out” once you qualify? We open that lens wide, exploring how dentists can earn well, earn right, and build real freedom without sacrificing ethics or joy. The heart of the conversation is practical: what actually creates cash flow, how to avoid looking rich while staying broke, and how to turn your clinical skill into long-term choices.
We start with mindset—why short-term student thinking leaves money and experience on the table—and move into the real trade-offs of early success. Quick wins without grounding often inflate ego and spending. We share candid stories about lavish mistakes, the danger of lifestyle creep, and why humility, mentors, and honest peers accelerate maturity. From there, we dig into the finance that matters: assets that pay you (well-run practices, property with sober maths, and diversified global equities), the importance of compounding, and a clear explanation of ACC vs INC funds so dividends don’t die as cash in your account.
Policy risk gets a bright light: shifting pension rules, the return risk of lifetime allowances, NHS schemes versus SIPs, and why ISAs remain criminally underused despite their tax advantages. Rather than preach one path, we pair wrappers with goals and timelines, keeping flexibility front and centre. Then we lay out a roadmap many clinicians can execute. First, become a high-grossing associate by mastering clinical skill and communication. With stronger cash flow, you can compound into ISAs and pensions or move toward ownership. If ownership fits your temperament, we talk hiring, culture, numbers, and modern patient acquisition through Meta ads and search—all aligned with ethical, high-quality care.
The best shift might be the simplest: stop slicing a fixed pie and focus on making the pie bigger. When income grows through skill and assets, you can enjoy life today and still invest for tomorrow. No silver bullets, no hype—just a realistic playbook tested by clinicians who’ve walked it. If this resonates, follow the show, share it with a colleague who needs a nudge, and leave a quick review so more dentists can find practical guidance and build freedom on their terms..
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————The clock is ticking on Making Tax Digital, and we’re cutting through the noise with a straight-talking guide tailored for UK dentists. If you earn self-employment income as an associate or rental income from buy‑to‑lets, this is the moment to get clear on thresholds, timelines, and the smartest way to stay compliant without drowning in admin.
We unpack the real meaning of “relevant income” and why HMRC looks at gross receipts, not profits, when deciding who must file quarterly. You’ll learn exactly who is in scope right now at £50,000, why PAYE and dividends don’t count for MTD for income tax, and how planned drops to £30,000 and £20,000 will bring many more clinicians into the regime. We also cover the penalty system you need to avoid: an initial grace year for late submissions, points that stack to a £200 fine, and a 24‑month compliance runway to reset. Most crucially, we explain the three‑year lock-in once you’re on the system and how that affects timing if you’re considering incorporation.
From there, we move to tools and tactics. Prefer minimal effort? Ask your accountant about bridging software so you can send simple spreadsheets or bank statements each quarter and let them handle the submission. Want more control and real-time insight? We compare software options like FreeAgent, Sage, Xero and QuickBooks, highlighting free tiers, bank feeds, common setup pitfalls, and how live data can help you steer clear of the 60 percent effective rate band with timely pension and expense planning. We set out the dates that matter: Q1 runs 6 April to 5 July, with the first update due 7 August, and why registering before 5 April buys breathing space and avoids easy points.
We finish with a practical checklist you can act on today: register for MTD or ask your accountant to do it, choose between full bookkeeping or a bridging route, and schedule your July data handover so the first submission lands on time. It’s a clear, calm path through a complex change, built for busy clinicians who value certainty and time.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Ready to turn confusing mortgage rules into clear action steps? We sit down with specialist broker Sarah Gris to unpack how dentists can borrow more at better rates by aligning income evidence, deposits, and monthly commitments with what lenders actually reward.
We start with the real levers behind the famous “multiplier.” Five times income is common, six times is realistic with the right profile, and seven times appears in niche cases at a price. Sarah explains how associates and principals should present figures: salary plus dividends or profit after corporation tax for limited companies, and net profit for sole traders. We dig into why lenders often average two years, how to time applications to showcase a strong latest year, and when projection-based pay schedules can help growing clinicians.
Then we get tactical about affordability killers. A 0 percent credit card still counts, with lenders modelling around three percent of the balance as a monthly outgoing. That £10,000 you plan to clear “later” can shave roughly £80,000 off potential borrowing today. We highlight the heavy hitters—car finance, school fees, nursery costs—and translate them into mortgage impact, including how a £2,200 car payment can crowd out around a £400,000 mortgage. The message is simple: lenders view you like a business, so strip out avoidable commitments before you apply.
You’ll also learn how banks estimate day-to-day spend using ONS benchmarks, why flats bring service charges and ground rent into the equation, and which bank statement entries trigger underwriter questions. Sarah shares pragmatic fixes: clear or restructure revolving debt, build a stronger deposit for better rates, tidy statement references, and coordinate application timing with your best filed accounts. For dentists who like to stretch, this is the map for stretching smart.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Money worries steal focus from clinical care, yet most of us were trained to drill, fill, and bill—not to design profit. We take a candid look at why dentists often feel underpaid, then map the path from noisy busyness to calm, predictable income. With Dr Barry Holton’s growth lens and Shishir Kudka’s financial x-ray, we blend practical production levers—pricing confidence, diary zoning, and strong case acceptance—with the cash flow literacy that keeps a practice breathing.
We start by challenging the turnover myth. Higher gross without margin control is a hamster wheel, not a win. Barry shares how fear of rejection drives undercharging, why too many recalls clog chairs, and how a simple follow-up system can uncover a hidden fortune in proposed but uncompleted treatment. Expect real numbers: one two-surgery site sat on £2.4m of diagnosed care. We talk language, team roles, and the discipline of zoning to prioritise high-value care without adding hours.
Then we flip the chart to the finance side. Shishir outlines a level-zero toolkit any owner can use today: track gross profit after direct costs, set a margin floor, and run a quick liquidity stress test. We go beyond the profit and loss to cash flow and the balance sheet—because you pay bills with cash, not paper profit. Learn a simple TIPs review for your bank movements—spot trends, irregularities, patterns, and spikes—and see how better receivables, lab negotiations, and expense controls lift margins fast. We also demystify tax timing so you can forecast payments, avoid over-parking cash, and fund growth without surprises.
Data quality is the clincher. Generic AI dashboards can tidy messy ledgers into pretty lies. We talk about dental-specific tooling that validates entries, connects clinical and financial views, and delivers a true 360-degree diagnosis so you can reward the right behaviour and intervene early when conversion slips. The outcome is freedom: fewer, better appointments, fees that reflect value, and a practice you steer with confidence.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Want control without owning every share? We explore how alphabet shares let dental founders keep a firm hand on strategy and clinical standards while still raising capital, rewarding key clinicians, and giving investors predictable returns. With corporate lawyer Ray Goodman, we translate complex UK company law into practical steps that fit the way dental groups actually grow.
We start by demystifying A, B and C share classes and the rights that sit behind them: voting power, dividend priority, capital distribution on exit, and protections like drag-along and tag-along. From there, we show how the Companies Act 2006, model Articles of Association, and a clear shareholders’ agreement work together. If you’ve wondered when to use enhanced-vote founder shares, when preference shares with a coupon make sense, or how growth shares align clinician performance with equity, this is your playbook.
Real examples bring the structures to life. Founders retain control while external investors get fixed returns. Associates earn upside via conversion triggers tied to EBITDA or revenue. Passive backers hold non-voting preference shares that look and feel like stable income. We also cover essentials many owners miss: how to amend Articles, obtain class consents, set valuation rules that avoid minority discount fights, and meet Dentists Act requirements on dentally qualified directors. Plus, we flag common drafting pitfalls and why aligning Articles and the shareholders’ agreement prevents nasty surprises at exit.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Rumblings about UK reforms to restrictive covenants are getting louder, and the stakes for dentistry are real. We dive straight into how non‑competes work today, where courts draw the line on “reasonableness,” and why a simple radius and duration no longer capture how patients choose their dentist. With expert legal and brokerage insight, we unpack what could happen if the UK edges toward a California‑style model that voids employee non‑competes but leaves non‑solicit and confidentiality on the table.
We explore the messy frontier where law meets real‑world behaviour: proving solicitation in an era where patients follow clinicians on Instagram, not clinic websites. A billboard aimed at former patients looks like a breach; a quiet bio update probably does not. That nuance matters for associates planning moves and for principals trying to protect goodwill. We map out what is enforceable now, why “or” clauses (non‑compete or non‑solicit) are treated separately, and how injunctions and loss drive remedies rather than flat “fines.”
Then we turn to valuations and risk. If non‑competes weaken, concentrated revenue becomes a liability. Buyers will price in the chance that a high‑grossing associate can walk down the street, while sellers will need to prove income resilience. We share practical strategies: spread production across more clinicians, invest in practice‑level brand and patient experience, tighten confidentiality and data controls, and ensure every associate has a clear, reasonable agreement. For principals exiting, paid non‑competes tied to consideration typically hold more weight than employment‑style restraints and can still secure value if drafted well.
Nothing is final yet, but waiting is not a strategy. Audit your contracts, reduce key‑person dependence, and build systems that make patients loyal to your practice, not just one provider. If the law shifts, you will be ready. If it does not, you will still own a stronger, more resilient business.
Enjoyed this conversation? Follow, share with a colleague, and leave a quick review to help more dentists find practical legal and valuation insight.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Wondering why your mortgage is dropping but your practice loan feels stubborn? We pull back the curtain on how commercial borrowing really works for dentists and why the base rate is only half the story. With Kevin Saunders, we map the moving parts—Bank of England base, lender margin, fix lengths, and term—so you can shape repayments that protect cash flow rather than chase a headline APR.
We start by translating the rate rollercoaster of recent years into practical choices for owners. Commercial loans are priced as base plus margin, and margins have become more competitive, often around or below 2% over base. From there we dive into the big fork in the road: fixed versus variable. Unlike mortgages, fixed commercial rates are about budget certainty, not automatic cheapness, and they’re set against the market’s view of future base. We talk candidly about break charges, why five years can feel long in business, and when a variable rate may make sense if cuts continue.
Then we compare goodwill, property, and equipment finance. Asset finance often acts like a flat, pre‑calculated cost, decoupled from base—ideal for chairs and scanners when you want simplicity. For goodwill and property, term length becomes a powerful lever. Extending from 15 to 20 or 25 years can drop monthly payments more than shaving a few basis points off the rate, which matters most in the fragile start‑up or post‑acquisition window. We run a simple example on a £500,000 loan to show how a 0.25% cut saves roughly £67 a month, useful but smaller than many expect. We also clarify tax: interest is deductible in both company and sole trader structures, but capital repayments are not, so prioritising mortgage pay‑down over commercial principal can be smarter.
By the end, you’ll know how to compare fixes and variables side by side, stress‑test your repayments, and pick a structure that buys you peace of mind without boxing you into costly break fees. If you’re planning a purchase or thinking about refinancing, this is the timely, practical guide you need to make clear, confident decisions. Enjoy the conversation, and if it helps, share it with a colleague who’s weighing their options.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Want a clear read on where dental practice sales are heading in 2026? We pull the market apart with hard data and lived deal flow: why lenders are back competing, how deposit requirements and margins over base have shifted, and what that means for first‑time buyers who were frozen out when stress tests sat at 9 percent. The short version: activity is strong, but the edge now comes from clean operations, bankable income, and smarter deal structures rather than chasing the highest multiple.
We unpack the corporate reset and the rise of microconsolidators. Many large groups paused to protect EBITDA and trim head office cost under inflation pressure and softer private demand. In their wake, tier‑three and tier‑four buyers with lighter structures and cheaper debt have moved fast, often winning not on price but on certainty: more cash on completion, fewer strings, and realistic transition expectations. If you’re selling, we show how net proceeds after CGT, risk, and deferred hurdles can make a slightly lower headline number the better outcome.
On the valuation front, NHS and mixed practices are regaining heat with recruitment stabilising in major cities and UDA tweaks improving deliverability. Private remains attractive, but associate percentages, lab costs, and marketing spend demand tighter control. We dive into the emerging shift in associate remuneration—transparent lab splits, sliding scales tied to value, and fair cost sharing—to protect margins without endless patient fee hikes. We also flag a key policy watch: potential curbs on non‑competes that could change how goodwill is protected, pushing owners to build moats through brand, patient plans, and clinician engagement.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Mortgages don’t need to be mysterious, and they shouldn’t drain your future. We dive straight into the choices that matter for dentists: when a fixed rate buys peace of mind, how trackers and discount products fit different risk profiles, and why the old “just find the lowest rate” approach often leaves money on the table. Along the way, we look at how AI is changing the mortgage process and what remains uniquely human: a thoughtful conversation about goals, cash flow and the life you want your home to support.
The standout topic is the offset mortgage. By linking a savings account to your home loan, every pound you park reduces the interest charged on your balance, with savings calculated daily and effectively tax-free. That means your salary, renovation funds or even a short-term reserve can work harder while staying liquid. Use it as a live buffer when paying builders, sweep surplus income into it each month and withdraw as needed. The result is often lower monthly costs, a shorter term and a stronger sense of control. For the right borrower, this can outperform many cash products without sacrificing flexibility.
We also tackle interest-only lending with clear eyes. Yes, it still has a place, but only with robust criteria and a credible repayment plan. Too many borrowers reach later life with big balances and few options, which is why part-and-part structures can be a smarter middle ground. With remortgages set to surge, we explain how to weigh product fees, early repayment charges, portability and the reality of your next five years before locking anything in. AI can speed comparisons, but it won’t ask the hard questions about your plans; that’s where an advisor adds real value.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Tax isn’t just a bill; it’s a design problem. We sit down with dental tax expert Shishir and performance coach Dr Barry Alton to rebuild the way dentists think about money, from the timing of income to the shape of an exit. The conversation is direct, practical, and aimed at one outcome: keeping more of what you earn while building a practice that’s easier to run and more valuable to sell.
We start by fixing timing. Too many practices recognise revenue on money received, paying tax before treatment is delivered. Switching to production‑based recognition aligns tax with effort, reduces cash flow shocks, and stops the cycle of borrowing to pay HMRC. From there, we dive into a smarter extraction stack: blend salary, dividends, pensions, retained profit, and legitimate family roles to move the same profit home with less combined tax. It’s coordinated, not complicated, and it keeps working capital healthy while your household saves.
Then we flip the growth model. Scaling with post‑tax scraps is slow and costly. Using retained, pre‑tax profit to fund acquisitions and new surgeries preserves momentum and compounds returns before the final tax bite. Finally, we separate clinical income from non‑clinical value like brand, IP, education, and property. Clean books create clean EBITDA, fewer add‑backs, and stronger valuations. Buyers reward clarity, and lenders do too. Throughout, Barry shows how accurate, real‑time data enables better associate pay structures, faster decisions, and lower stress.
If you want a framework that lowers your effective rate, strengthens cash flow, and positions you for a higher multiple at exit, this is your playbook. Subscribe, share with a colleague who needs a better tax plan, and leave a review to tell us which lever you’ll optimise first.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Your hands, your back, your focus—your livelihood depends on them. When a sudden injury or diagnosis collides with long NHS waits, the real cost isn’t only medical fees; it’s months of lost earnings and momentum. We sit down with insurance expert Warren to break down how private medical insurance helps dentists move from symptom to specialist to treatment in weeks, not seasons, and why that speed can protect both your health and your career.
We start with the essentials: what private medical insurance covers and how it differs from relying solely on the NHS. From consultant appointments and diagnostics to hospital stays and surgery, we explain what “core cover” buys you and where optional add‑ons like unlimited outpatient diagnostics, therapies, and mental health support can transform the experience. We also dig into the postcode lottery for advanced cancer drugs, showing how access through private pathways can be decisive when time and options matter most.
Money questions take centre stage. We compare self-funding with real numbers—£3,000 scans and five‑figure surgeries—against the predictability of premiums. You’ll learn why pairing PMI with income protection can be a powerful combo: one safeguards cash flow, the other shortens your recovery timeline. We cover tax treatment for personal and company‑paid policies, and share practical cost controls, including setting a sensible excess that cuts premiums and choosing physiotherapy networks that don’t push up renewals. For dentists facing musculoskeletal strain, stress, or the risk of burnout, these details add up to better outcomes and fewer unpleasant surprises.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Feeling profitable but strangely broke? We dig into the hidden gap between production and collection that trips up so many UK dentists, then show how to fix it with clean bookkeeping, correct revenue recognition, and a simple 13-week cash forecast. You’ll hear why tax hits in late December and January drain liquidity, how deposits can inflate reported profit and accelerate tax, and what it takes to line up costs with completed treatment so your numbers tell the truth.
Together we reframe the whole picture: profit is teeth, cash flow is gums, and both must be healthy. We break down common accounting mistakes in Xero and QuickBooks, explain when revenue should be recognised, and map out a weekly process to track net cash collected versus total outflows, including assets and loan payments. You’ll learn to ringfence working capital for the next 90 days, set aside tax with confidence, and identify genuine excess cash you can deploy into growth without fear.
We also tackle mindset and habit. When the bank balance is high, owners overspend; when it’s low, panic kicks in. Data replaces emotion. With a living forecast, you can choose the right lane for your practice, avoid nasty surprises, and time investments like scanners, marketing, or training to match your cash runway. If you’ve ever asked “Why do I feel broke when my accounts show profit?”, this conversation gives you the clarity, language, and tools to change it.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————What if the fastest way to grow a dental practice is not a new scanner, but a new agreement? We sit down with Lisa, a former dental nurse who became a practice stakeholder, to unpack how equity, trust, and smart systems turn a busy clinic into a resilient, two-site business that serves patients better and performs stronger.
Lisa shares the early lessons she took from running operations in a GP super centre: finance visibility, team training, and the simple truth that people remember how you make them feel. Those foundations shaped a strategy that moved a three-person team into a private-led model with an NHS arm ring-fenced in a nearby site for stability and optionality. We talk openly about when equity for a practice manager makes sense, why it should be a cherry not a carrot, and how small ownership stakes can unlock the discretionary effort owners quietly hope for but rarely earn.
We dive deep on incentives that work—like sharing a slice of verified stock savings—and why owners who cling to cash starve growth. The numbers matter: monthly KPIs, white space costs, staffing ratios, and fee calibration can add six figures without longer clinical hours. And then there’s the biggest lever of all: communication. Lisa breaks down the ten-second phrases that de-escalate complaints, the reception scripts that convert more enquiries into appropriate appointments, and how AI call reviews help front-of-house master tone, empathy, and listening.
If you’re an owner or manager who wants fuller diaries, fewer fire drills, and a team that thinks like partners, this conversation hands you the blueprint: align incentives, measure what matters, and coach the words that win trust. Subscribe, share this with your practice lead, and leave a review telling us one change you’ll make this week.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————The rules of dental practice value are changing, and we’re pulling back the curtain on what matters now. After a decade of corporate consolidation and a pandemic‑fuelled private boom, the market has cooled to a healthier balance: fewer bidding frenzies, more scrutiny on profit, and a meaningful opening for independent buyers who know their numbers. We’re joined by Oliver Snowden, an ex‑corporate M&A director now co‑leading a bespoke brokerage, to decode how associate‑led EBITDA works, when to use principal‑led assumptions instead, and why multiples peaked in 2022 before settling into a more sustainable range.
We walk through the levers that move price: sustainable profit margins, lease quality, lender sentiment, and the real impact of interest rates. Oliver shares candid benchmarks—why 17 to 22 percent is the sweet spot for associate‑led margins—and what buyers expect to see in management accounts and compliance files before they take a deal seriously. If you’re planning to sell, you’ll hear exactly how to prepare: engage a dental specialist accountant and solicitor early, build a complete due diligence pack, and get ahead of landlord consents that can quietly add months. If you’re buying, learn to compare valuations under both models, challenge costs that don’t scale, and test whether the business stacks up without the current owner’s clinical time.
We also dig into marketing spend, where many practices now invest three to five percent of turnover without clear measurement. The buyers who win ask simple questions: what’s the cost per enquiry, how many convert, and which channels actually generate profitable cases? A solid CRM, a disciplined recall and reactivation plan, and a habit of recording “How did you hear about us?” can move growth from guesswork to proof—and that proof supports value.
Whether you’re eyeing an exit in 2026 or gearing up to acquire your first site, this conversation gives you a grounded playbook for price, process, and performance. Enjoy the episode, then subscribe, share with a colleague, and leave a quick review to tell us what topic you want next.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Ownership is back on the table—and not just for the fearless few. We sit down with finance specialist Ray Cox to unpack why more UK dentists are walking away from corporates and building practices that reflect their values. From cultural tailwinds to smarter lending, the ground has shifted in favour of clinicians who want control, flexibility, and long-term upside.
We compare squats and acquisitions with clear-eyed criteria lenders use today: headroom for growth, realistic demand, and operational discipline. You’ll hear why a well-planned squat can be less risky than an overpriced acquisition, how healthcare specialist teams at banks now evaluate dental cash flows, and what makes a business plan bank-ready. We also tackle refinancing—how owners who launched five to seven years ago are securing better terms, freeing cash, and leveraging equity to open a second site.
Beyond finance, we dig into the strategic moves that build resilient private practices. The frenzy for align-bleach-bond is fading as new owners double down on family dentistry, prevention, strong recall systems, and measured expansion into specialisms like implants. The NHS vs private decision is decisive among younger owners in England, with membership plans increasingly used to stabilise income without sacrificing clinical freedom. Add in interest rate dynamics and inflationary headwinds, and you’ve got a candid field guide to starting or scaling a modern dental practice.
If you’re weighing buy versus squat, plotting a refinance, or designing a patient-first model with durable cash flow, this conversation will help you move with confidence. Subscribe, share with a colleague who’s ownership-curious, and leave a review with your biggest takeaway—what’s your next step toward running your own practice?
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Mortgages feel hardest when your income looks messy on paper. We take that challenge head on, showing dentists how to turn multiple income streams, UDAs, contracts, and retained profits into a clean story an underwriter can trust. With specialist broker insight, we break down what evidence matters, how to present it, and why the right lender policy can unlock far more borrowing power than salary and dividends alone suggest.
We start with sole traders and locums: what SA302s, contracts, and invoice trails prove, how lenders assess affordability, and when less than a full year’s history can still work. Then we move into limited company life, where many associates withdraw minimal income for tax efficiency. We explain which lenders consider net profit plus salary, when retained profits support future dividends, and how to map partnership shareholdings to real entitlement. The takeaway is simple: there’s no dentist-only mortgage; there’s a smarter way to package dental income for mainstream products at competitive rates.
We also tackle the questions everyone asks: does “complex” income mean higher interest? Not inherently. Pricing depends on product and policy fit, not your job title. Need a strategy on timing? If your fix ends within six months, secure a rate now to hedge against moves and switch if prices fall. With the market jittery and budgets looming, clarity and preparation beat guesswork. Gather your SA302s, company accounts, contracts, and UDA evidence, and let an expert frame your case so lenders see stability, longevity, and a safe investment.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Cash flow can look fine on a spreadsheet and still fail you on payday. We unpack a clear, practical playbook for UK dentists to stay liquid when insurers delay payments, tax deadlines cluster, marketing needs ramp up, or a critical scanner dies at the worst time. With finance expert support, we explore fast, purpose‑built funding that keeps teams paid, treatments running, and growth plans alive without remortgaging the practice.
We walk through short‑term working capital that lands within days, fixed‑term loans that turn chaos into a known monthly line, and specialised facilities for self‑assessment, VAT, and corporation tax. You’ll hear why predictable repayments over 12 to 72 months can protect decision‑making, how to map term length to the problem you’re solving, and where unsecured options or a personal guarantee make sense. We also dig into marketing finance for Google Ads, SEO, and Instagram campaigns, showing how a planned budget and realistic patient value can turn borrowed pounds into full chairs and stronger long‑term revenue.
When shocks hit, speed matters. We outline funding routes for staffing gaps, agency cover, equipment breakdowns, and urgent replacements, plus merchant cash advances that flex with PDQ/card takings. The theme is discipline over drama: maintain a small contingency, keep documents ready, choose lenders who know dental cash cycles, and borrow to a clear purpose with measurable outcomes. Liquidity is a strategy, not a wish, and the right mix of tools helps you protect service quality while you scale on your terms.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Patients can only choose you if they can find you. We unpack a clear, dentist‑friendly roadmap to winning local search, focusing on what actually leads to enquiries: fast sites, map visibility, reviews that earn trust, and content written in the language patients use.
We start by stress‑testing whether SEO is even the right move for your practice. Location matters more than most realise, and Google’s red city boundary in Maps can define your odds of ranking. We compare low‑competition areas, where you might already rank without ongoing SEO, against crowded city centres where a strategic plan and patience are essential. From there, we reinforce the foundations: a fast, mobile‑first website with dedicated treatment pages, frictionless booking, and copy that answers costs, pain, and timing. If the basics are shaky, every other tactic leaks value.
Then we break SEO into four practical pillars. Technical SEO sets speed and structure. On‑page SEO matches real local queries like emergency dentist Nottingham and clear aligners to tightly written pages. Off‑page SEO builds authority with relevant backlinks, consistent citations, and supportive channels like YouTube that link back and lift credibility. Local SEO ties it together: an optimised Google Business Profile with accurate data, posts, photos, and a steady cadence of reviews with thoughtful replies that include natural keywords. We also tackle myths around AI. People still find local clinicians via Google and Maps, and strong organic signals feed AI results rather than fight them.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Tax deadlines have a habit of landing right when cash flow is tight and growth plans are in motion. We dive into the practical world of tax loans for dentists and explain how to use them as a strategic tool rather than a last resort. From real numbers to real outcomes, we explore where a short, targeted loan can protect investments, smooth working capital, and keep expansion on track without sending the wrong signals to lenders.
We start by clarifying what a tax loan is, who offers them, and why terms cluster around six to twelve months with higher rates than standard borrowing. Then we look at the trade-offs: should you break an ISA or index fund, or keep compounding and bridge the bill? You’ll hear a case study where avoiding exit charges and market timing risk made the loan cheaper overall. We also share a lesser-known alternative—refinancing equipment or refurbishment spend already paid from cash—so you can replenish funds for tax, secure a lower rate, and spread cost over three to five years.
The conversation tackles HMRC Time to Pay, too. While the headline rate can look attractive, an active HMRC plan may act as a red flag to banks because HMRC ranks ahead of lenders, potentially restricting access to future finance for new surgeries or kit. We discuss how lenders view these arrangements, the impact on future borrowing, and how to weigh short-term interest against long-term flexibility. Finally, we outline how to apply for a tax loan, the documents you need, and the typical turnaround time so you can act before January bites.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Thinking about leaving the UK for a better tax deal or a simpler life? We unpack the real calculations behind that decision—from inheritance tax worries and wage inflation to VAT shocks and the tightening margins that push many principals to the brink. Dan Klein, owner of Hive Accountancy in Cornwall, joins us to share what he’s seeing across hundreds of dental clients: frustration is real, but so are the misconceptions about relocation and tax.
We dive into why the “move and save” story is often oversold. There’s no overnight fix; meaningful tax advantages tend to require multi‑year planning, residency commitment, and a clear picture of where you’ll live, when you’ll sell, and how you’ll invest. We explore why some dentists commute from Dubai, where that model makes sense, and where it falls apart. If you’re eyeing a big exit, timing and structure matter more than hearsay—and the best results come when your personal life actually fits the place you plan to call home.
Not everyone needs to move. We talk candidly about dentistry’s “middle age,” where easy growth has faded and operating discipline wins. For some, the smarter play is to stay, run a tight practice, or even step back to a high‑performing associate role while maximising pensions, ISAs, and diversified investing. We compare active vs passive approaches, how to avoid silver‑bullet thinking, and the mindset required to hold through market dips without panicking. Whether you stay or go, the path to a calmer, wealthier future comes from clarity, patience, and a plan you’ll actually follow.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Planning a dental practice just got more complex—and more important. We break down how the budget’s short‑term optimism and medium‑term caution collide with real decisions on kit, teams, pensions, and profit extraction. From capital allowances and EV incentives to dividend tax and threshold freezes, we translate policy shifts into practical steps for owners and associates who want to protect margins and invest with confidence.
We start with the economic backdrop: markets liked the upgraded growth for the coming year, but projections ease off later, and much of the Chancellor’s headroom leans on fiscal drag through 2030. That context matters when deciding whether to expense equipment now, accept slower writing down relief, or rethink lease strategies. EVs still benefit from 100 percent allowances until 2027, yet a new per‑mile charge is on the horizon, so the timing of vehicle decisions could materially change the outcome.
On people and pay, the minimum wage rise for younger workers will ripple up pay bands, while tightening around pension salary sacrifice adds NI costs for both sides, blunting a once‑efficient retention tool. For clinicians using companies, the dividend tax rise narrows the gap with sole trading, pushing many to leave profits in the business and deploy them via corporate investment structures. With an extra 2 percent coming to personal rental and savings income from 2027, moving or holding assets within companies can preserve flexibility, though capital gains and transaction costs must be modelled.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us Fan Mail
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
———————————————————————Mortgages just got more complicated for dentists, but not unworkable. We dig into what the latest budget actually changes for buy-to-let in personal names, how frozen tax bands quietly pull more rent into higher rates, and why the updated interest tax credits at 22, 42, and 47 percent matter for your cash flow. You’ll hear a clear-eyed view on the policy direction that nudges small landlords out while corporate landlords scale up—and the practical impact that shift has on rents, tenant stability, and long-term yields.
We also unpack where rates are heading right now. With bond markets warming to the budget, fixed-rate funding costs have eased, and lenders are sharpening two- and five-year fixes. That’s positive, but the last two years taught us how quickly markets can turn. Our strategy is simple and dentist-friendly: if your fix ends within six months, secure a product now to cap your risk, then switch to any lower rate if pricing improves before completion. It’s an option, not a commitment, and it turns uncertainty into leverage.
For higher-value homes, we outline the proposed mansion tax bands, valuation timing, and what to watch ahead of 2028. If you’re buying near the thresholds—especially in the South East—build the annual levy into your ownership maths today. Whether you’re remortgaging, purchasing a home, or weighing a buy-to-let, we cover documents to prepare, how to choose between two- and five-year fixes, and the red flags that make a rental deal too thin after tax.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/saving-5-figures-on-tax-for-your-dental-practice-with-chris-lonergan
———————————————————————Want your next surgery upgrade to pay you back? We dive deep into capital allowances for dental practices and show how renovations, fit-outs, and even property purchases can turn into serious tax savings without schemes or risk. With specialist insight from property tax expert Chris Lonergan, we break down the simple idea that changes everything: move as much spend as possible into fast plant and machinery allowances, and keep the slow structures and buildings bucket to a minimum.
We walk through clear, real-world examples: from a £500k Victorian conversion that produced roughly £490k in allowances, to scenarios where higher-rate income taxpayers receive chunky cheques by carrying claims back. You’ll learn what really qualifies in a clinic setting, including electrical systems, plumbing, ventilation, data, alarms, fitted kitchens, reception, and partitions. We also explain why loose clinical kit is just the start, and how the unseen assets inside your walls often hold the biggest value when properly surveyed and categorised.
Buying a building? The seller’s status matters. Conversions from residential, purchases from non-taxpaying entities like the NHS or charities, and acquisitions from developers can preserve large pools of embedded allowances for you. Leaseholders who fund their own fit-outs can also claim, as allowances follow the spender. We cover the pitfalls too: why most accountants can’t value second-hand buildings or parse interim certificates, how to approach grants, and when a specialist report unlocks PMA you didn’t know you had.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/heres-what-the-upcoming-tax-deadlines-mean-for-your-investments-with-anick-sharma
———————————————————————Tired of the 31 January scramble and the sting that follows? We take the stress apart and rebuild it into a calm, structured plan for dentists who want to pay less tax and gain more freedom. With expert planner Anick Sharma, we dive into the practical moves that matter: company-paid pension contributions that cut corporation tax, how to avoid the 60% effective rate trap as a sole trader, and the right way to coordinate your accountant and planner so nothing slips through the cracks.
We get honest about the NHS pension and why the annual allowance can ambush even savvy clinicians. You’ll hear how carry forward works in practice, when to proceed with caution, and why timing and accurate inputs make the difference between relief and an unexpected charge. Then we widen the lens beyond pensions: claiming allowable expenses and capital allowances, placing insurance in the most tax-efficient way, and choosing a salary-dividend split that actually matches your goals rather than last year’s guess.
Money sitting idle is another hidden cost. We break down a simple, proven approach to cash versus investing: match money to purpose across short, medium, and long horizons so liquidity is there when needed and growth is there when wanted. Real-world stories show how defining your destination first can unlock capital that’s been parked for “safety,” turning it into a portfolio that powers your plan. The takeaway is clear and actionable: know your point B, then pull the right levers—pensions, allowances, and disciplined extraction—to reach it faster with fewer January shocks.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/making-tax-digital-heres-what-dentists-need-to-know-with-david-hossein
———————————————————————The rules are changing for self‑employed dentists. From April 2026, Making Tax Digital extends beyond VAT into Income Tax Self Assessment, pulling most associates and many sole‑trader practice owners into quarterly digital reporting. We brought specialist dental accountant David Hossein to cut through the noise: who is affected, what to file, the exact first deadlines, and how to set up the right software without creating a new full‑time job for yourself.
We start with the basics that trip people up. The threshold is based on income, not profit, and rental income in your own name can push you over the line. Dividends do not count. You will submit digital updates every quarter using MTD‑compatible software, then a final statement to tie everything together. Payments of tax do not change at first, but planning for eventual quarterly payments is wise. David lays out the first reporting period (6 April to 5 July 2026) and the submission date (7 August 2026) so you can work backwards and avoid penalties.
Then we get practical. We compare FreeAgent, Xero, and QuickBooks, and explain why many dentists will be fine on FreeAgent, especially when it is free via certain bank accounts. Clean bank feeds, correct import dates, and reconciling to statements are non‑negotiable. We show how to use built‑in tax forecasting to ring‑fence cash, reduce January shocks, and time pensions or equipment purchases with confidence. We also explore the structural choices: companies and partnerships sit outside this phase of MTD for now, but incorporation only makes sense when it aligns with tax, pension, and cashflow goals. For some on the cusp, MTD may be the nudge to reassess.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/dental-practice-market-outlook-nov-2026-with-luke-moore
———————————————————————Valuations are shifting fast, and so are the rules that shape them. We sat down with dental practice sales expert Luke Moore to map the real market moves behind the headlines: why groups are winning a bigger share of deals, how cheaper debt is fuelling micro-consolidation, and where independent buyers are still paying up for the right assets. If you’re weighing a purchase, planning to sell, or just want to understand what your practice is worth in today’s climate, this conversation lays out the numbers and the nuance.
We dig into the latest data points on deal sizes and EBITDA multiples, separating independent buys from group-led transactions and explaining why some NHS-heavy portfolios are dragging averages down while high-quality private and mixed practices still push toward the high-7x range. Geography and recruitment take centre stage: NHS valuations diverge sharply by region, with London and the South East often outperforming due to easier clinician hiring. We also unpack the thaw in Wales, where signals of a return to an item-of-service style approach and an uplifted hourly rate are drawing buyers back—alongside a sober look at how associate pay expectations could compress EBITDA.
Policy is the wildcard. A widely flagged income tax rise could make holding less attractive than selling for many principals, especially as frozen tax bands and the 100k trap quietly raise effective rates. We walk through BADR’s step up toward 18% by 2026 and what that means in pure cash terms, plus the practical timing options many owners are modelling to protect their net proceeds. On costs, a likely National Living Wage increase around 4% will ripple through pay differentials, nudging ancillary costs higher and forcing tighter discipline on margins.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/smart-ways-to-reduce-your-finance-repayments-with-kevin-saunders
———————————————————————Cash flow feeling tight while your practice ambitions keep growing? We dive into the real mechanics of refinancing for dentists and show how the right structure can lower monthly payments, unlock equity, and create the headroom to expand with confidence. Rather than chasing a headline rate, we focus on the three levers that truly move the needle: loan amount, interest rate, and term—and how blended and partially amortising loans can beat a small rate cut when it comes to monthly affordability.
Kevin breaks down why refinancing is broader than most owners realise, from releasing capital to buy equipment or a second site, to restructuring short-term debts that strain cash flow. We explore blended loans that combine property and goodwill into one manageable term, interest-only elements that help a deal service when goodwill valuations are high, and unsecured options up to mid-six figures that avoid valuation and legal fees. For startups that have grown fast, we explain how stronger accounts after 18–24 months can open the door to cheaper, longer-term facilities that consolidate asset finance and free cash to complete surgeries.
You’ll hear practical, anonymised case studies: clients cutting thousands per month by shifting to partially amortising structures without borrowing more, buyers who held repayments steady while fitting out additional surgeries, and a bridge-to-refi path that secured a property before planning, later simplified through an unsecured refinance. We also discuss evolving bank policies—longer goodwill terms, flexibility around leases, and rising loan-to-values—and why matching products to your practice plan matters more than picking a single “best” lender.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/upcoming-tax-changes-to-selling-a-dental-practice-pre-budget-speculation-with-nathan-atkinson
———————————————————————A lot changes when the cost of selling your life’s work starts creeping up. We sit down with healthcare M&A specialist Nathan Atkinson to map the moving parts around business asset disposal relief, how the dental deals market heats up ahead of Christmas, and what smart owners can do today to protect value tomorrow. If you’ve wondered whether to push for a pre-Budget completion or wait for clarity, this conversation gives you the practical lens you need.
We start with the basics: why BADR rate moves influence deal timing and how buyers behave when sellers feel a deadline. Nathan explains the year-end rush, solicitor bottlenecks, and why a lively market doesn’t automatically equal bargain prices. From there we explore what’s known versus unknown in the policy pipeline, including the risk of further capital gains tax changes and shifts to employer national insurance that could squeeze larger practices and corporates.
The heart of the episode focuses on fundamentals that outlast Budget cycles. Many NHS-reliant practices are seeing higher turnover without better margins, thanks to cost creep and payroll pressures. We talk through how buyers read those numbers, why EBITDA quality drives valuation, and the practical steps owners can take to shore up margins, trim admin costs, and present clean, consistent accounts. Nathan’s core message is simple: plan earlier than feels comfortable. Five to eight years out is not too soon to optimise share structures, align partners, formalise associate agreements, and build a documentation trail that speeds diligence.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/organic-social-media-marketing-in-2025-with-joe-goodchild
———————————————————————If you think organic social only works once you’ve built a big following, this conversation will change your mind. We sit down with videography‑driven marketer Joe Goodchild to unpack how dentists can turn simple, authentic reels into real enquiries and booked e‑consults without spending on ads.
We start by tackling the mental barrier that keeps clinicians from posting: fear of judgement. Joe shares why short, honest videos outperform polished graphics, how modern algorithms sample content from new accounts, and the small production tweaks that make a big difference—like filming facing a window for clean, flattering light. We get practical about audience targeting too: speak to specific patient scenarios and desired treatments, not generic tips that vanish in the feed.
From there, we map the platform strategy. Instagram remains the best organic home for dentists thanks to Reels and a broad user base that increasingly includes older patients. Facebook still helps reach implant demographics, though expect limited organic reach. TikTok can deliver big top‑of‑funnel visibility; use it to push traffic to Instagram or straight to your site rather than chasing DMs as the sole KPI. Then we rebuild the conversion path: write a clear bio stating who you help, where you work, and how to book, and replace crowded link trees with one decisive CTA. Joe breaks down why a direct e‑consult link outperforms open‑ended DMs, and how Calendly’s custom fields, reminders, and short slots keep bookings smooth and show‑ups high. We round things out with a take on branding: use colour and consistency, but avoid repetitive grid patterns that turn into wallpaper—variety and clarity keep viewers engaged.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/should-i-or-should-i-not-get-life-insurance-with-anick-sharma
———————————————————————What if the fastest path to financial independence isn’t chasing a bigger pot, but transferring the right risks? We dive into life insurance for UK dentists with specialist adviser Anick Sharma to show how smart cover can protect your family, reduce tax, and keep your investments compounding without interruption.
We start by reframing insurance as the oxygen mask for your plan. Rather than a sunk cost, the right policy ring‑fences the downside so your portfolio stays invested through life’s shocks. That stability narrows assumptions, shrinks the required emergency buffer, and can pull your financial independence date forward. We break down how to size cover for real‑world needs—mortgage, school fees, household cash flow—so a bereavement doesn’t force asset sales or a scramble for income.
Structure is everything. We compare level, decreasing, and inflation‑linked terms, and explain when two single‑life policies beat a joint plan to avoid leaving the survivor uncovered. For limited company owners, we highlight the power of a Relevant Life Plan: employer‑paid, typically deductible, and without a P11D benefit in kind. We also tackle inheritance tax planning and why placing policies in trust can keep proceeds outside the estate and available quickly to your loved ones. Along the way, we pinpoint common pitfalls—only insuring the mortgage, ignoring NHS death‑in‑service, letting premiums drift, or failing to review after major life changes.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/how-to-save-money-on-your-mortgage-as-a-dentist-with-will-coe
———————————————————————Buying a home as a dentist shouldn’t feel like translating your career into a foreign language. We sit down with mortgage specialist William to turn “complex income” into a clear story underwriters understand, so you can borrow confidently without paying a premium for your structure. From UDAs and SA302s to net profit policies and partnerships, we break down exactly how to present your earnings and which details actually move the needle on affordability.
We start with sole traders and employed clinicians who add private work, showing how payslips, tax calculations, and consistent patterns across two years help secure stronger offers. Locums and contractors aren’t locked out either; some lenders will work off current contracts and recent invoices when the case is assembled cleanly. Then we tackle limited company associates, where low salary and dividends used to cap borrowing. A growing set of lenders now consider salary plus net profit, particularly when the business has minimal overheads, so your retained profits can count toward what you can reasonably draw.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/can-i-borrow-100-of-the-money-needed-to-buy-a-dental-practice-part-2-with-kevin-saunders
———————————————————————What if the deposit that’s been holding you back from buying a dental practice wasn’t actually required? We unpack how first-time buyers can now secure 100% finance not just on property, but on goodwill too, thanks to a major shift in bank credit policy that lifts the goodwill cap to £750,000 per dentist. That change opens the door for solo and joint buyers to fund real-world practice prices, while still meeting the hard test that matters most: serviceability.
We walk through how lenders assess cash flow, why extending goodwill terms from 15 to 20 years can make the numbers work, and how pricing bands change with loan-to-value. Expect straight talk on margins over base, what a small deposit does or doesn’t do to your rate, and how development budgets fit in. If you plan to invest in equipment or upgrades, we outline the trade-offs between short-term development loans and including improvement capital upfront over a longer term to protect cash flow.
For current owners eyeing a second site, we explain how to release equity from existing goodwill or freehold to build a workable deposit and still leverage 100% funding on the new acquisition. We also explore the market backdrop: banks competing for healthcare clients, long-outdated caps finally moving, and what this policy “arms race” means for buyers ready to act. Throughout, we emphasise case-by-case modelling, realistic owner drawings, and the refinance play once performance lifts and leverage falls.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/heres-how-to-get-more-patients-and-minimise-white-space-with-marius-satraru
———————————————————————Empty chairs aren’t fixed with louder ads; they’re fixed with smarter systems. We dive into the real reasons diaries have white space and map a practical route from first click to accepted treatment, together with Marius Satraru of Align Media, who builds lead engines for dental practices. Rather than throwing money at SEO or Google Ads, we explore how to repair the funnel: a website that looks human and loads fast, multiple ways to convert (booking, forms, click‑to‑call, chatbot), and a CRM that treats your database as an asset instead of an afterthought.
We get specific about the moments where leads leak. Missed calls after hours quietly erase demand, so we talk through AI reception as a night‑shift helper that books or sends links, speeding response without replacing your front desk. Follow‑up time matters just as much; personalised auto‑replies that reference the enquiry keep attention and reduce comparison shopping. We also unpack why fee pages cause exits, how a deposit policy can be tested to lower friction, and why clear finance options and next steps turn price browsing into bookings. For campaigns like Invisalign open days, we show how to start with your existing database: targeted emails, plain‑English benefits, strong subject lines, and simple booking paths.
Once foundations convert, then scale. That’s when SEO earns clicks and ads make sense, especially with focused landing pages that mirror ad promises and track results beyond leads to booked revenue. Throughout, we use a simple rule: stop self‑diagnosing. Audit answer rates, response speed, website conversion, CRM automation, and email cadence; fix the largest drop‑offs first, then widen the top of the funnel with the right channels. Want the full checklist and examples you can act on today? Listen now, subscribe for future deep dives, and leave a quick review with your biggest bottleneck—we’ll tackle it next.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/what-corporate-structure-should-i-use-for-my-dental-practice-with-ray-goodman
———————————————————————Want a structure that protects your personal assets, trims your tax bill, and makes selling your practice smoother? We sit down with specialist dental solicitor Ray Goodman to translate legal jargon into practical choices for dentists—when to stay as a sole trader, when a limited company pays off, how partnerships really work, and why “expense sharing” can quietly turn into a partnership with joint and several liability. If you’ve ever wondered whether dividends beat salary, who can be a director or shareholder, or how to keep decision‑making fair between owners, this conversation gives you the playbook.
We pull apart the mechanics of limited companies—the corporate veil, director duties, and the underrated advantage of flexible ownership that can include non‑DCP shareholders provided you meet the director rule. We compare this with partnerships, highlighting the risk of being chased for your partner’s debts and the absolute need for watertight agreements covering drawings, profit splits, deadlocks, and exits. We also examine expense sharing arrangements and explain why, if money is pooled with a view to profit, the law likely treats that as a partnership regardless of the label.
Thinking about incorporating an NHS contract? Ray outlines the real pathway: local area team discretion, novation agreements, and the welcome shift in guidance around personal guarantees and time‑limited obligations. We also tackle UDA value conditions that can attach to incorporation and show how to weigh the tax benefits against possible rate reductions. Rounding it out, we look at LLPs, when they make sense, and why many dental accountants still favour limited companies for scalability and sale readiness.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/the-top-5-reasons-dentists-are-overspending-on-their-income-protection-with-luke-hurley
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Are you a dentist looking to grow your wealth? You can connect with Luke here: https://www.viderefinancial.com/investment-options-review
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What happens to your financial security when you can't practice dentistry?
For most dental professionals, income protection represents the cornerstone of financial planning, yet it remains riddled with costly mistakes that could leave you vulnerable precisely when you need support most. In this eye-opening conversation with independent financial advisor Luke Hurley, we dissect the five critical errors dentists consistently make with their protection policies – and provide clear, actionable solutions to fix them.
We start by challenging the dangerous mindset that income protection can be postponed. As Luke powerfully states, "Ensuring your future self will never be cheaper than ensuring your today self." Delaying coverage not only increases premium costs but risks accumulating health-related exclusions or even becoming uninsurable. Regular reviews around career transitions prove equally essential, especially when purchasing practices, switching between NHS and private work, or establishing limited companies.
The discussion delves into the complexities of aligning protection with various dental income structures. Whether self-employed, operating through limited companies, or employed, different insurers handle income verification distinctly – potentially leaving dangerous gaps in coverage. We explore the critical importance of appropriate deferment periods, coverage definitions, premium guarantees, and inflation protection to ensure your policy delivers when needed most.
Perhaps most crucially, we examine how complete transparency during underwriting prevents future claim denials and how income protection should integrate with critical illness coverage, life insurance, and increasingly, private medical insurance to create comprehensive financial security.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/buying-a-dental-practice-heres-what-you-need-to-know-with-maja-thompson-and-kimberley-parker
———————————————————————Stepping into practice ownership represents a monumental career milestone, yet the process remains shrouded in complexity for many dentists. This comprehensive episode pulls back the curtain on dental practice acquisition with unparalleled clarity and expert guidance.
Maja Thompson and Kimberley Parker from Henry Schein Dental Practice Sales bring their combined decades of experience to illuminate every aspect of the buying journey. With Maja's background in practice acquisitions and ownership, alongside Kimberley's 15 years specializing in practice finance, they offer a treasure trove of insights you simply won't find elsewhere.
The dental acquisition landscape has evolved dramatically in recent years. After a cooling period triggered by rising interest rates in late 2022, the market has adapted, with independent buyers and small groups now driving significant activity. This shift creates tremendous opportunities for individual practitioners looking to take their first step into ownership.
From identifying the perfect practice to navigating financing options, this episode methodically walks through critical considerations that shape successful acquisitions. You'll discover why location extends far beyond personal preference, how diverse revenue streams create stability, and the long-term implications of property decisions. The experts demystify practice valuation methods, revealing how EBITDA multiples vary between owner-occupier models (2.5-4.5) and associate-led practices (6-9).
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/video/1
———————————————————————What if the key to financial freedom isn't working harder, but thinking differently about money altogether? That's the powerful premise behind this conversation with Dr. James Martin, founder of Dentists to Invest and a pioneer in financial education for dental professionals.
From an accidental entry into dentistry (thanks to a cousin's suggestion) to creating the UK's largest financial community for dentists, James shares the unconventional journey that led him to discover his true calling. After qualifying from Leeds in 2016, he pursued clinical practice while quietly nurturing a parallel passion for finance and investing. The pivotal moment came during recovery from knee surgery in 2020, when he spotted a critical gap – UK dentists lacked a dedicated platform for financial discussions tailored to their unique circumstances.
The growth of Dentists to Invest reflects a profound hunger among dental professionals for financial knowledge that traditional education never provided. James reveals how he maintains the community's high standards and value, carefully vetting contributors and ensuring the platform delivers genuinely useful content rather than becoming a marketing playground.
The conversation takes a fascinating turn when exploring how artificial intelligence is revolutionizing financial planning for dentists. From AI-generated CPD content to sophisticated financial modeling that considers countless variables, these tools are creating unprecedented opportunities for practice owners to make better decisions with less effort. Most dental practices, James notes, remain stuck in outdated systems – presenting enormous potential for those willing to embrace innovation.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/got-crypto-listen-to-this-to-make-sure-you-dont-break-any-tax-rules-with-emily-bingham
———————————————————————We've brought in crypto-specialist accountant Emily from Alexander & Co to demystify the complex world of cryptocurrency taxation specifically for dental professionals. This comprehensive guide walks you through everything from basic capital gains calculations to the nuanced tax implications of staking rewards and stable coin investments. With capital gains tax rates now at 18% for basic rate taxpayers and 24% for higher rate taxpayers, getting this right is essential for your financial wellbeing.
The conversation reveals several potential pitfalls that catch many dentists by surprise. Did you know that the "30-day rule" could create tax liabilities even when you believe you've made losses? Or that staking rewards are subject not only to income tax at your marginal rate but also to student loan repayments? For higher-rate taxpayers with outstanding student loans, this means nearly half of your staking rewards could be claimed by HMRC and the Student Loans Company combined.
Looking ahead, we explore the seismic shift coming in January 2026 when the Crypto Asset Reporting Framework makes it mandatory for exchanges to share your data with tax authorities. With 52 countries already committed to this global initiative, the window for getting your crypto tax affairs in order is closing. Emily shares practical advice on voluntary disclosure and how to minimize penalties if you haven't been fully compliant.
Don't miss this opportunity to claim free verifiable CPD by completing the short questionnaire linked in the description. Equip yourself with the knowledge to confidently manage your crypto investments while staying firmly on the right side of HMRC regulations.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/video/1
———————————————————————What happens when a dentist's unexpected knee surgery becomes the catalyst for a financial education revolution? Dr. James Martin, founder of Dentists Who Invest, shares his remarkable journey from clinical practice to creating a thriving platform helping dental professionals achieve financial freedom.
Martin's story begins with a familiar feeling many professionals experience—the nagging question of "is this all there is?" Despite enjoying aspects of clinical dentistry after graduating from Leeds in 2016, he found himself drawn to learning about finance and investment strategies. "I thought this is what adults do," he explains, not realizing these self-taught skills would eventually form the foundation of his future business.
The turning point came during recovery from knee surgery in 2020, when Martin created a Facebook group to share basic financial knowledge with fellow dentists. What started as simple educational posts about ISAs and pensions organically evolved as members reached out for personalized guidance. This natural demand led to courses, partnerships with financial advisors, and eventually establishing a regulated financial planning firm specifically for dental professionals.
Martin's insights into entrepreneurship are refreshingly honest. "A calm sea never made a strong sailor," he shares, emphasizing that resilience and the ability to view setbacks as learning opportunities are crucial for success. His approach to networking—making time for everyone who reaches out and maintaining positive relationships even through difficult interactions—has been instrumental in building his business.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/what-to-do-when-you-sell-your-dental-practice-with-luke-hurley-and-anick-sharma
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Are you a dentist looking to grow your wealth? You can connect with Luke and Anick here: https://www.viderefinancial.com/investment-options-review
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The decision to sell your dental practice represents a pivotal moment that can shape the rest of your life—yet many dentists find themselves unprepared when that day arrives. In this comprehensive exploration, financial planning experts Luke Hurley and Anik Sharma reveal the critical strategies that can maximize your practice valuation while ensuring financial security throughout retirement.
Far too often, practice owners focus solely on achieving the highest possible sale price without understanding their true "number"—the amount needed to sustain their desired lifestyle indefinitely. Through powerful financial modeling, we demonstrate how calculating your lifetime consumption needs can transform both your negotiation position and post-sale strategy. One revealing example shows how a seller remained deadlocked over a figure far higher than what financial planning revealed they actually needed to live comfortably for life.
Beyond the numbers, we explore the emotional dimensions of practice transitions. Your identity may be deeply intertwined with your professional role, making the psychological adjustment as important as the financial one. For those considering earn-out arrangements, we discuss the unique challenges of answering to new owners while watching changes to the business you've built.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/video/1
———————————————————————Have you ever wondered why some professionals seem to effortlessly build wealth while others with identical incomes struggle financially? The answer lies not in how much money you make, but in your fundamental approach to growing and managing wealth.
This eye-opening discussion challenges conventional wisdom about career progression and financial planning. We explore the provocative concept of "retiring at 21" – not as a universal goal, but as a framework for understanding how early financial decisions compound dramatically over time. While building wealth rapidly brings advantages, we candidly discuss why acquiring money before gaining life experience can sometimes be problematic.
The conversation introduces a powerful metaphor that could transform your financial thinking: the "financial pie." Most people approach their finances assuming they must divide a fixed resource between current lifestyle and future savings. The breakthrough comes when you realize you can dramatically increase the size of your pie through strategic career development, business ownership, and intelligent investing strategies.
For healthcare professionals and especially dentists, we outline a specific roadmap to financial independence: first becoming an exceptional, high-grossing associate to generate substantial cash flow, then strategically investing in both skills and assets, and potentially leveraging that foundation to establish associate-led practices. This multi-stage approach creates both immediate income and long-term wealth.
Whether you're a student planning your career or an established professional looking to accelerate your wealth-building journey, this conversation provides a refreshingly honest look at what really works. By learning from others' experiences rather than making every financial mistake yourself, you can chart a faster, more direct course to true financial freedom.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/video/1
———————————————————————Ever wondered how some dentists manage multiple thriving practices while others struggle with just one? The secret lies in systems, delegation, and understanding your unique value proposition.
Dr. Chetan Matthias joins us to reveal how he built four successful dental practices (three associate-led) performing 700+ implant surgeries and 460+ clear aligner cases annually. At the heart of his approach is a carefully designed patient journey that maximizes efficiency while delivering exceptional patient care.
The conversation begins with marketing fundamentals—why establishing a clear USP (Unique Selling Proposition) is essential in today's competitive landscape. Dr. Matthias shares how one patient video testimonial from 2022 continues generating leads years later, demonstrating the power of authentic patient stories as marketing assets.
What truly sets his practice apart is the systematic patient journey he's created. From a dedicated Patient Growth Coordinator who responds to leads within 30 minutes to Treatment Coordinators who conduct initial consultations, each step is designed to deliver consistent experiences while limiting the dentist's involvement to only essential clinical tasks. By the time patients meet Dr. Matthias, they've already been pre-qualified, requiring just 5-10 minutes of his time.
We explore the science of team building—how personality assessments ensure team members' natural strengths align with their responsibilities, creating a high-functioning environment. Dr. Matthias shares insights on establishing KPIs, maintaining accountability, and conducting exit interviews to continuously improve practice operations.
Looking toward the future, we discuss embracing technology and AI to improve efficiency while reducing staffing dependencies. For dentists feeling overwhelmed, Dr. Matthias offers practical advice: start with just one system and build from there.
Whether you're an associate or practice owner, this episode provides actionable strategies to increase profitability, improve patient experience, and create a dental business that runs smoothly even when you're not present.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/how-to-efficiently-extract-wealth-from-your-limited-company-with-david-hossein
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Unlocking the financial potential of your dental limited company requires strategic thinking beyond basic salary and dividend planning. In this comprehensive exploration of wealth extraction strategies, specialist dental accountant David Hossein and I delve into the challenge many dentists face: substantial cash reserves effectively "stranded" in their companies due to tax considerations.
The podcast begins by examining the fundamental tax benefits of operating through a limited company – the ability to control income extraction and thereby manage personal tax exposure. This advantage, available to dentists since 2006, creates the common situation where cash accumulates within the company structure. Rather than seeing this as a problem, we reframe it as an opportunity for strategic financial planning.
For associates, we discuss the critical threshold of £100,000 personal income that preserves your tax-free personal allowance, alongside comprehensive business expense planning. Many dentists miss legitimate claims for items like protective clothing, business travel, mobile phones, and CPD courses (even those in exotic locations, with important caveats!). We examine how family involvement through employment or shareholding can distribute income more efficiently, and explore the tax benefits of company-provided assets like electric vehicles and bicycles.
Property investment emerges as a major wealth-building strategy, with corporate structures offering significant advantages over personal ownership – particularly regarding mortgage interest relief. David explains the ideal setup using separate special purpose vehicles, inter-company loans, and even introduces the powerful concept of "growth shares" that can pass future value appreciation to children without inheritance tax implications.
For practice owners contemplating sale, we outline the vital tax considerations around Business Asset Disposal Relief (with rates increasing from 14% to 18% in April 2024) and the zero-rate Substantial Shareholding Exemption for reinvestment scenarios. The discussion includes practical advice on holding company structures and timing considerations for maximum tax efficiency.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/is-100-finance-for-dental-practices-possible-with-kevin-saunders
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Can you really buy a dental practice with no money upfront?
In this insightful episode, Kevin Saunders clears up the myths and misunderstandings surrounding full financing for dental practices.
We begin by confirming that yes, one hundred percent finance is possible, but the path looks different for established owners compared to first time buyers. For those who already own a practice, Kevin explains how to unlock equity from your existing business while maintaining the typical eighty percent loan to value ratio that banks require across your portfolio. This approach can open doors to expansion opportunities that many dentists have never considered.
First time buyers face a different set of rules. Kevin outlines the lending thresholds currently available, which are around three hundred and fifty thousand pounds for private practices and five hundred thousand pounds for NHS practices when buying solo, with higher limits for partnerships. He explains how banks evaluate risk, what makes an applicant appealing, and why preparing your financial profile well in advance can significantly improve your borrowing power.
We also address common myths about interest rates, explain the differences between buying an established practice and starting a squat, and share practical guidance on when full financing is a smart move. Kevin’s core advice is simple: take the maximum amount available, because you are using the bank’s money to invest in a valuable asset.
This episode is essential listening for any dentist planning to buy or grow their practice, offering clear guidance to help you make confident and informed financial decisions.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/new-nhs-contract-reforms-are-coming-with-mr-johnny-minford
———————————————————————The landscape of NHS dentistry is shifting once again as the Labour government unveils its vision for contract reform. This thought-provoking conversation with dental accountancy expert Johnny Minford unpacks the substantial changes ahead for dental professionals across the UK.
We delve deep into the new hybrid payment model that combines traditional UDAs with a £70 fee-per-item component for specific treatments – a significant departure from the pure UDA system that has dominated since 2006. Johnny offers expert analysis on how these changes might impact practice finances and clinical decision-making, while raising important questions about whether these incremental modifications will deliver the transformational shift that NHS dentistry desperately needs.
Perhaps most intriguing is our exploration of the "neighbourhood health service" concept, which could fundamentally alter how basic dental care is delivered. As Johnny explains, this approach might improve patient access but risks redirecting routine treatments away from traditional practices, potentially pushing dentists toward becoming de facto specialists rather than family oral healthcare providers. We consider the wider implications for practice business models and patient relationships if this trend continues.
The conversation takes a particularly compelling turn when we examine the government's proposals for increased oversight through structured audits, model associate contracts, and practice handbooks. These developments signal a potential power shift in how dentistry is regulated and practiced, raising legitimate concerns about professional autonomy in an already heavily regulated field. Johnny's insights on the employment status question are especially valuable, as he breaks down the financial mathematics that make employed status potentially damaging for both associates and practice owners.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/heres-how-to-design-a-portfolio-that-beats-99-of-other-investors-with-dr-james-martin
———————————————————————Tired of investing advice that feels like navigating a labyrinth? This episode strips away the unnecessary complexity and reveals a refreshingly straightforward approach to building wealth.
We begin by challenging the conventional wisdom that dictates how most people structure their investments. Instead of starting with a platform and working backward, I outline a powerful framework that places asset selection at the foundation of your investment strategy. This simple reordering asset then fund then account then platform can dramatically accelerate your journey toward financial freedom.
The conversation tackles one of the most profound misunderstandings in personal finance the difference between risk and volatility. Most investors and even many advisors conflate these concepts leading to portfolios that feel safe but actually jeopardize long term financial goals. I explain why the supposedly low risk portfolios heavy on bonds and cash might ironically be the riskiest choice for achieving true financial independence.
Throughout the episode I unpack how your investment timeframe should drive your asset allocation decisions why passive funds typically outperform their actively managed counterparts and how to navigate the tradeoffs between tax efficiency and accessibility when choosing investment accounts. I also reveal why platforms advertising no fees warrant skepticism and how to identify genuine value in the investment platform landscape.
This episode provides both foundational knowledge for beginners and sophisticated insights for experienced investors. The four step framework I outline is not just theory it is a practical approach that could potentially shave five to ten years off your timeline to financial freedom. Whether you are just starting your investment journey or looking to optimize an existing portfolio these principles will help you build wealth with greater confidence and clarity.
Take a moment today to examine your current investment strategy. Does it follow this logical sequence or could a simple reorganization dramatically improve your outcomes?
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/how-can-i-reduce-my-indemnity-fee-with-adam-okeeffe
———————————————————————Dental indemnity insurance is one of the most important ongoing costs for dentists in the UK. With renewal season approaching in August and September, now is the time to make sure you have the right cover at the best possible price.
In this insightful episode, Adam O’Keefe from Allmed Pro Insurance Specialists joins us to help dentists understand the key differences between types of cover. He explains why the distinction between discretionary and contractual indemnity can have serious financial consequences if a claim is ever made against you. Adam uses a memorable example that will make you think differently about how your policy works.
We explore why newly qualified dentists often face higher premiums, how recent claims trends are shaping the industry, and what sort of cover you may need after retirement. The episode also highlights valuable extras offered by quality providers, including round-the-clock legal advice, access to GPs, and professional reputation support during difficult times.
Whether you are just starting your dental career or reviewing your existing policy, this episode offers practical guidance to help you protect yourself and your practice more effectively. Listen now and complete the short questionnaire in the description to claim free verifiable CPD that counts towards your learning goals while potentially saving you thousands on your renewal.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/video/1
———————————————————————What is the smartest way to invest in Bitcoin without jeopardising your financial stability or peace of mind? In this honest and engaging episode, Dr Sonny shares his personal journey through the unpredictable world of cryptocurrency. From the excitement of seeing his portfolio grow by 900 percent to the emotional toll of an 85 percent downturn, his experience offers a valuable perspective for any dental professional considering crypto investment.
Bitcoin recently reached a new all time high of around seventy three thousand dollars, ahead of the anticipated halving event. This early surge may reflect rising interest from institutional investors following the introduction of Bitcoin ETFs. However, as Dr Sonny explains, successful investing is not about perfect timing but about having a well considered strategy.
Throughout the conversation, Dr Sonny unpacks how the volatility of Bitcoin impacted not only his investments but also his sleep, mental wellbeing, and focus in practice. He outlines three practical strategies for approaching cryptocurrency, along with useful allocation tips and data driven tools that can help you make sense of Bitcoin’s dramatic price shifts.
Listeners will also learn how Dr Sonny uses a hot potato thirds method to manage risk, why certain technical indicators can offer valuable signals, and how to maintain a balanced mindset that avoids both hype and panic.
Whether you are new to crypto or already hold Bitcoin, this episode delivers clear, actionable insights to help you make informed decisions. As Warren Buffett famously said, be fearful when others are greedy and greedy when others are fearful. That wisdom is particularly useful when navigating the high stakes world of cryptocurrency.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/heres-what-making-tax-digital-in-2026-means-for-dentists-with-amman-sarkaria
———————————————————————A major shift in UK tax reporting is on the horizon and it is set to impact thousands of dental professionals. Making Tax Digital, known as MTD, represents the most significant overhaul to self-assessment in decades. Yet many in the dental profession remain unaware of what is coming and how it could affect their practice finances.
From April 2026, self-employed dentists earning more than fifty thousand pounds annually will need to switch from paper records to digital tax submissions using HMRC approved software. This change may seem straightforward, but the practical implications are far more complex. Dentists trading through limited companies may be temporarily exempt, but additional income streams could still trigger the new reporting obligations.
We break down exactly who will be affected and when, outlining how the income threshold will gradually drop to thirty thousand in 2027 and twenty thousand in 2028. Understanding which income sources count is vital. Dividends are excluded from the threshold calculation, while property income must be added to your self-employed earnings. For those with multiple income sources, the burden increases sharply and could result in up to eight digital submissions per year.
This episode offers clear guidance on how to prepare, from setting up a dedicated business bank account to choosing MTD compatible accounting software. While the transition may seem daunting, there are potential advantages such as greater visibility of your tax position throughout the year.
Whether the changes apply to you now or in future years as thresholds fall, this episode will help you plan ahead and reduce stress as deadlines approach.
You can also earn free verifiable CPD. Simply click the link in the description, complete the questionnaire, and we will email your certificate to support your professional development hours.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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Do your mortgage repayments feel high?
Connect with Sarah here: https://www.dentistswhoinvest.com/sarah-grace-mortgages
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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/video/1
———————————————————————Breaking free from the mortgage myths that hold dentists back. If you've been told you need two years of accounts to secure a mortgage, prepare to have your financial horizons expanded. This game-changing conversation with specialist dental mortgage advisor Sarah Grace reveals that dentists can secure mortgages much earlier in their careers than most high street banks would have them believe.
For associates, the path to property ownership can begin after just three months of pay schedules. Whether you're fresh from foundation training, transitioning between business structures, or returning from maternity leave, specialist lenders recognize your earning potential without demanding years of financial history. The best part? The interest rate premium for these specialized mortgages is minimal – often just a quarter percent more than standard rates. This means newly qualified dentists can start building property wealth years earlier than they might have thought possible.
Practice owners face different considerations but equally promising opportunities. While principals typically need at least a year's worth of accounts, many lenders will consider retained profits within the business rather than just the salary and dividends drawn. This approach recognizes the true financial strength of dental practice ownership, particularly for those structuring their finances efficiently for tax purposes. We also explore the nuances of what lenders consider "commitments" against your name and how company expenses versus personal expenses affect borrowing power – knowledge that can significantly increase your mortgage potential.
Ready to rethink what's possible with your dental income? Listen now and discover how to leverage your professional status to secure property financing on your timeline, not the bank's. And don't forget to claim your free verifiable CPD by completing the short questionnaire through the link in our description – making this episode both financially enlightening and professionally valuable.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact
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Collect unlimited free verifiable CPD for UK Dentists here >>> dentistswhoinvest.com/video/1
———————————————————————Your financial future deserves more than a menu of investment products. But how can you tell whether the advice you are receiving is truly in your best interest or just a surface-level recommendation?
In this episode, Certified Financial Planner Anick Sharma unpacks the confusing world of financial advice, explaining the real difference between financial advisors, wealth managers, and financial planners. While Independent Financial Advisors (IFAs) offer a broader range of products across the market, many others operate under restrictions, recommending only from a limited panel, often at higher cost and with narrower relevance.
We discuss why wealth management typically focuses on investment portfolios alone, often overlooking key life goals and broader financial context. In contrast, true financial planning takes a holistic approach, mapping out a clear route from where you are now to where you want to be and ensuring your money supports what matters most in life.
Anick also highlights one of the most dangerous misconceptions: that “low-risk” portfolios are always the safest choice. In fact, if they fail to outpace inflation, they may quietly erode your financial future. As Anick puts it, “There’s no point going to the grave with a great big stack of money. You're just going to make the kids rich, not necessarily yourself fulfilled.”
So how can you tell if your adviser is offering genuine financial planning or simply selling a product? Ask the right questions, like “When can I retire?” and “What assumptions are you using to get there?” and see if they can answer with evidence and clarity, not just jargon.
Whether you are at the beginning of your financial journey or planning your exit strategy, this episode will help you ask better questions, demand better answers, and take more confident control of your financial future.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————What if you’re already financially free – and don’t even realise it? In this powerful episode, Certified Financial Planner Anick Sharma reveals how dentists and business owners often work far longer than necessary, missing out on meaningful time with family, travel, and personal fulfilment.
Anick introduces a fresh perspective on retirement. It’s not about reaching a certain age, but about reaching the point where you no longer trade present happiness for future security. Through real-world client stories, he shares how tailored financial planning helped people discover they could retire five years earlier than expected, often prompting life-changing decisions.
Central to this approach is a clear and practical cash flow strategy. Anick uses the memorable “bucket analogy” to explain how money enters, fills, and flows through your life – showing how a million-pound pension isn’t the goal, but what that money enables is.
We explore why so many dental professionals fall into the “just one more year” trap – continuing to build business value while overlooking personal financial freedom. Anick shows how shifting focus to systematically extracting wealth can allow you to live with more freedom now, rather than waiting for an eventual practice sale.
If you’re wondering whether you could afford to work less, travel more, or retire early, this conversation offers clarity, inspiration, and practical steps to get there.
Listen now and rethink what retirement could look like – on your terms.
Let me know if you'd like a shorter version for social media or an episode title suggestion.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact
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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/fact-or-fiction-is-the-sp500-the-best-index-to-invest-in-with-anick-sharma
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“Just put your money in the S&P 500” – it’s the internet’s favourite investing advice. But does it actually hold up? In this eye-opening episode, financial planner Anick Sharma joins us to unpack the truth behind this popular mantra.
We break down what the S&P 500 really is – not simply the 500 largest US companies, but only those that meet specific profitability and liquidity rules. This subtle detail has major implications for investors who assume they are getting full exposure to the US economy.
Anick shares compelling global data that shows how market leadership constantly shifts. The top-performing country one year often ends up among the worst the next. With the US making up about 61% of global market capitalisation, focusing solely on it means missing nearly 40% of global investment opportunities.
We also explore factor-based investing – a research-backed approach that focuses on value, profitability, and size. One strategy highlighted in this episode would have turned £10,000 into £151,000 from 1994 to 2023, outperforming traditional global portfolios.
For those preparing for retirement or major financial goals, Anick offers a three-part framework that balances returns, volatility, and emotional comfort – a refreshing alternative to one-size-fits-all investing.
Tune in now to learn why the smartest investors think beyond the S&P 500 and how you can too.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Need help with car finance? Reach out to Ammar Farishta here >>> https://dentistswhoinvest.com/car-finance
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Thinking about financing a new vehicle as a dentist in 2025? Whether you're considering an electric car, leasing through your limited company, or planning for your next business vehicle, this episode breaks down everything you need to know about car finance in the current landscape.
We explore the latest changes to electric vehicle (EV) taxation. From April, EVs now attract a £10 vehicle tax in the first year, followed by a £195 annual charge. While EVs were once tax-free, the government has gradually reduced incentives. However, there is good news – the previously planned luxury tax on EVs costing over £40,000 has now been scrapped, making premium electric cars more affordable for professionals.
One of the biggest developments for dental professionals is access to car finance for new limited companies. Traditionally, dentists had to wait over 12 months before applying for vehicle finance through their business. Thanks to new provider partnerships, it is now possible to lease vehicles earlier – even within the first year of trading. While early finance may come with higher rates, refinancing after six to nine months can unlock more competitive terms once your business credit improves.
The episode also provides important updates on lead times for factory-ordered vehicles. With production times stabilising post-COVID, custom orders typically take 12 to 16 weeks – so if you're targeting the new September '75 plate, now is the time to act.
Tune in to learn how to maximise your options and make smarter decisions when financing a car as a dental professional. Whether you're buying new, used, or leasing through your company, this episode gives you the up-to-date insight you need to get the best deal.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Is the UK still a global investment powerhouse, or has it fallen behind? In this insightful episode, financial author and fund manager Andrew Craig uncovers the key reasons why the UK economy and stock market have underperformed in recent decades — and why that could be about to change.
UK GDP per capita has remained flat for 30 years, while countries such as Ireland, Singapore and Australia have more than doubled their wealth. Since 2007, the London Stock Exchange has lost half its listed companies, and major firms continue to seek listings abroad. Across the UK, even affluent high streets are struggling, with empty shops and declining footfall.
Yet Andrew reveals a surprising turnaround. Despite the gloom, UK value stocks have begun to outperform the S&P 500. Institutional investors are once again showing strong interest in British equities, driven by valuations that are up to 60 percent lower than their US counterparts. With sentiment shifting, the UK is now viewed as one of the best value markets globally.
We explore why less than five percent of UK adults invest through a stocks and shares ISA, despite historical data showing UK microcaps returned 16.4 percent annually between 1955 and 2021. Andrew outlines a straightforward strategy for building wealth, including the widely endorsed "100 minus your age" asset allocation rule, and explains how financial literacy can uplift not just individuals, but the economy as a whole.
This episode also examines what needs to change in government policy to restore the UK's investment appeal and whether the next bull market could emerge before broader economic recovery takes hold.
If you are a UK investor looking to understand current market dynamics, uncover long-term value opportunities, or improve your personal investment strategy, this episode is essential listening.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What does it take to grow a single dental practice into a network of 150 clinics across multiple countries? Dr Sandeep Kumar shares his journey from a newly requalified dentist in the UK to the founder of one of the most recognized Invisalign-focused dental networks in Europe.
After qualifying in India and requalifying in the UK in 2000, Sandeep quickly purchased his first practice and expanded it from one to six surgeries within a few years. But the pivotal moment came in 2017 when he made the bold decision to step away from clinical dentistry entirely. Rather than causing his income to drop, this shift gave him the space to lead strategically and grow faster.
This episode uncovers the mindset shifts and strategic pivots behind that decision. Sandeep reflects on the early grind of entrepreneurship, the evolution of dental marketing from traditional ads to digital platforms, and the importance of focusing on data and trends. One key insight came when he realized patients were asking specifically for Invisalign, revealing an untapped opportunity to structure a business around a single treatment.
Sandeep outlines three essential principles for dentists looking to grow: build a team of exceptional people, use technology to improve patient understanding, and invest in your personal brand. As more patients search online before choosing a provider, your digital presence is becoming just as important as your clinical skills.
Whether you’re an associate dreaming of ownership or a principal ready to scale, this episode offers a practical roadmap for building a business that extends far beyond the dental chair.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/dental-practice-market-outlook-2025-with-mr-luke-moore
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Curious about dental practice values in today's market? Wonder what's really happening with corporate buyers and whether NHS practices still command premium prices? The data might surprise you.
Luke Moore, Head of Dental Elite's practice brokerage team, joins us to unpack the revealing findings from their annual dental market report—a comprehensive analysis representing roughly 25% of all UK dental practice transactions. This insider's view of completed sales (not just valuations) delivers eye-opening insights for anyone considering buying or selling a practice.
We dismantle the prevailing "urban myth" that corporates dominate today's acquisition landscape. The reality? Independent dentists purchasing their first, second or third practices remain the primary buyers, while the largest groups have pivoted toward fewer, larger acquisitions with specific strategic focus.
The conversation explores why mixed practices command the highest multiples from independent buyers (averaging 3.87x FMT), while private practices are the "jewels in the crown" for corporate buyers (averaging 7.36x EBITDA). Luke shares fascinating details about regional valuation disparities, with practices in recruitment-challenged areas selling for significantly lower multiples than their urban counterparts.
Perhaps most revealing is the emerging trend of sellers prioritising complete payment at completion over potentially higher valuations with deferred components—a shift Luke attributes partly to mixed post-sale experiences reported by principals who've previously sold to larger groups.
Whether you're a practice owner contemplating your exit strategy, an associate exploring ownership opportunities, or simply interested in the business of dentistry, this data-rich conversation provides crucial context for navigating today's complex dental marketplace.
Earn complimentary verifiable CPD by completing the associated assessment through the link in our show notes.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What if you could travel back in time and share financial wisdom with your younger self? While time travel remains out of reach, education offers a powerful alternative—pulling future knowledge into your present reality.
Having reflected deeply on my own financial journey, I've identified ten crucial money perspectives I wish I'd embraced earlier in life. These aren't just abstract theories but transformative mindset shifts that could dramatically accelerate your wealth creation.
The first revelation might surprise you: the greatest investment risk isn't investing at all. We've normalized spending without hesitation while approaching investing with excessive caution—a backwards approach when you consider that spending guarantees loss while investing at least offers potential returns. Similarly, understanding that "market declines are temporary while advances are permanent" provides crucial context for weathering financial storms. When you zoom out from sensationalized headlines about "crashes," the consistent upward trajectory of quality assets becomes undeniable.
Perhaps most liberating is recognizing money as a human invention—a social construct that allows us to question whether our financial beliefs truly serve us. This applies to how we view sales conversations (potential value exchanges rather than uncomfortable interactions), time-money relationships (building "money trees" for recurring income), and the misleading belief that hard work automatically equals financial success (strategy matters more than hours).
By developing high-leverage skills like business management, coding, and sales, you can create disproportionate returns on your time investment. And remember: your circle largely determines your success, so intentionally seek diverse perspectives from those achieving what you aspire to create.
Ready to transform your financial future? Start by questioning which of these money perspectives might be holding you back. Your future self will thank you.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Wealth often feels like it belongs to a lucky few, but after reading over 50 books on money and success, I discovered the truth. The path to financial freedom is simpler than you think, though it often goes against conventional advice.
Books like Rich Dad, Poor Dad, The Psychology of Money, and many lesser-known gems all point to the same core idea: leverage. Whether through people, money, systems or content, wealthy individuals find ways to get more done with less effort.
We explore MJ DeMarco’s concept of the sidewalk, slow lane and fast lane, showing why so many people stay stuck financially. We also dive into Robert Kiyosaki’s Cashflow Quadrant and practical tools from Who Not How and Traction to help you take real action.
If you want to shift from working harder to building true wealth, this episode lays out the key principles that actually move the needle.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
If you’d like to discuss your finances with a professional, you can connect with Luke and Anick here: https://www.viderefinancial.com/contact
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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/how-to-achieve-the-best-exit-number-for-your-dental-practice-with-luke-hurley-anick-sharma
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Are you holding onto your dental practice longer than needed? The quest for the "highest valuation" might actually be costing you precious years of freedom.
In this illuminating discussion, financial planners Luke Hurley and Anik Sharma reveal the critical distinction between maximizing practice value and achieving your personal financial independence. Through real-world examples and comprehensive cash flow modeling, they demonstrate how dentists can determine their actual "number" – the amount needed to fund their desired lifestyle without financial constraint.
The conversation challenges conventional wisdom about retirement age and practice exit timing. Rather than clinging to arbitrary targets or industry benchmarks, our experts walk through how to reverse-engineer your financial needs, taking into account existing assets, pensions, and investment portfolios. This approach often reveals that many practice owners are already closer to financial freedom than they realize.
Financial planning software vividly illustrates how even modest practice valuations, combined with accumulated wealth in pensions and investments, can provide sustainable income well beyond traditional retirement age. The discussion includes important considerations around sequence risk, tax optimization, and the psychological aspects of transitioning away from practice ownership.
Perhaps most valuable is the exploration of what retirement actually means in today's world. Far from the outdated concept of "being put out to pasture," financial independence offers the freedom to choose how you spend your time – whether that's continuing clinical work on your terms, pursuing new business ventures, dedicating time to family and travel, or exploring entirely new passions like the former solicitor who became a flight instructor.
Ready to discover your number and gain the clarity that comes with knowing exactly when you could sell your practice? Listen now and claim your free verifiable CPD by completing the questionnaire through the link in the description.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What does it take to scale from one dental practice to 23 while staying passionate about clinical work? Dr Phil Friel shares how a casual chat in a pub sparked a journey that grew into one of Scotland’s leading dental groups.
Alongside his brother Christopher, Phil focused on acquiring larger, established practices while keeping a family-run ethos that sets them apart from corporates. Their journey began with struggling clinics they renovated themselves, eventually progressing to seven-plus surgery sites.
Phil still works three 12-hour clinical days each week, with the rest spent supporting teams and driving growth. He reveals the systems that made this work, including executive assistance and diary zoning, and how these created a healthier work-life balance.
You’ll also hear about their £4 million investment in equipment across 130 chairs, their patient-first organisational structure, and why supporting over 230 team members motivates their continued expansion.
Whether you’re managing one practice or aiming for more, this episode is packed with real-world insights for building a thriving dental business without sacrificing clinical quality or personal freedom.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What if your financial reality is shaped more by your beliefs than your bank account? In this powerful episode, money mindset expert Tom Fortes-Mayer explores how deep-rooted thoughts and emotions influence wealth, success, and personal fulfilment.
Tom introduces the idea of “dirty fuel” versus “clean fuel” when it comes to motivation. Many of us drive success from fear, validation, or past pain, which creates resistance. True financial freedom comes from alignment, clarity, and a sense of internal abundance.
He shares striking personal stories like how a childhood belief about a £300 wage subconsciously capped his earnings years later. These experiences reveal how unexamined beliefs can quietly limit our potential until we choose to shift them.
One standout moment is Tom’s “umbrella miracle,” a story that brings together mindset, gratitude, and manifestation in a way that’s both magical and practical. Throughout the episode, you’ll find clear strategies to uncover and transform limiting money beliefs so you can welcome more wealth, time, and opportunity into your life.
If you’re ready to rethink how you create success, this episode offers both inspiration and a practical path forward.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Why leave the safety of associate life for the chaos of practice ownership? For Dr Zain Remy, it wasn’t about money. It was about regaining clinical freedom and practising on his own terms.
In this refreshingly honest episode, Zain shares the highs and lows of buying his first practice. From battling outdated stock and patient misunderstandings to managing the emotional weight of leadership, he opens up about the real journey behind the scenes. You’ll also hear how building a personal brand on TikTok, Facebook and Instagram helped him attract the right patients and professional opportunities.
Whether you’re planning to buy a practice or already navigating ownership, Zain’s story is full of valuable insights. You can also connect with his supportive community in the Facebook group Diary of Dental Practice Owners for ongoing weekly discussions.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What if the key to transforming your dental practice profitability wasn't working harder, but working smarter? Dr. Amit Jilka's journey provides a masterclass in strategic dental business growth that any practice owner can learn from.
Starting with a modest single-surgery practice generating £300,000 annually in 2012, Dr. Jilka has built a remarkable dental enterprise now spanning 18 chairs across multiple locations, with a team of 35 clinicians completing over 550 implants and 400 orthodontic cases yearly. The transformation wasn't accidental, but methodically engineered through three critical pillars: exceptional Treatment Coordinators, comprehensively trained associates, and outstanding practice managers.
The revelation of properly implemented TCOs is perhaps most striking. Unlike the common misconception that TCOs are merely glorified receptionists, Dr. Jilka's TCOs conduct 30-45 minute appointments, performing scans, discussing financing, and comprehensive treatment options before patients even meet the dentist. This approach has dramatically increased both treatment plan acceptance rates (from 60% to 80% for implants) and overall treatment values.
What's particularly fascinating is Dr. Jilka's counterintuitive approach to personal clinical time. By reducing his own clinical hours to just half a day weekly and dedicating several days to mentoring associates instead, he initially took a personal income hit – but saw practice profitability soar. This powerful demonstration of working ON rather than IN the business highlights the leverage gained through systematic associate training and development.
The practice also employs distinct workflows for different treatment modalities, recognizing that implant and orthodontic patient journeys require different approaches to nurturing and conversion. Their structured follow-up protocol for high-value implant consultations exemplifies the attention to detail that drives their exceptional performance.
Whether you're struggling with case acceptance, associate productivity, or finding time to strategically grow your practice, Dr. Jilka's proven systems offer a roadmap to greater profitability without sacrificing clinical excellence or work-life balance. Ready to transform your dental practice from surviving to thriving? The blueprint is right here.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Want to understand how to become as tax efficient as possible?
Connect with Johnny here: https://www.dentistswhoinvest.com/reducing-tax-bill/
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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/how-to-protect-profitability-in-tough-economic-conditions-with-johnny-minford
———————————————————————What makes a dental practice financially resilient during uncertain times? Expert accountant Johnny Minford joins us to break down exactly how to protect both your income and long-term practice value.
We explore the difference between capital and income resilience—and why strong cash flow matters more than ever when inflation eats away at your savings. Johnny shares how smart appointment scheduling, strategic patient retention, and effective treatment invitations can stabilise your income without compromising care.
From associate pay structures to patient demographics, hygienist contracts to specialist referrals, this episode is packed with actionable insights. Discover how the right systems, culture, and strategy can keep your practice thriving—no matter the market.
Plus, UK dentists can now earn free verifiable CPD. Just click the link in the show notes after listening.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, inde
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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When a life-threatening diagnosis collided with a background in high finance, Daniel Jones found a mission: bring financial clarity to dental practices. At just 25, he’s now at the forefront of dental fintech with Medfin—a platform built to track the KPIs that actually matter.
In this episode, Daniel shares how most dental software misses the mark on financial reporting, leaving practice owners buried in spreadsheets. Medfin bridges the gap by connecting clinical and financial data to deliver real-time insights into chair utilisation, treatment profitability, associate performance, and more. Think: less admin, better decisions, and healthier profit margins.
We also dive into Daniel’s personal story, his strategic market approach, and how he’s reshaping the future of dental business management with £1.5 million in VC support.
If you’re a practice owner ready to stop guessing and start growing, this conversation is your wake-up call.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Dental school teaches clinical skills—but not how to run a profitable business. In this episode, Rida Alwan unpacks the essential business strategies dentists should be learning, whether you’re an associate or practice owner.
We break down the only three ways to grow profits—cutting costs, increasing patient numbers, and boosting value per appointment—and show how to apply them in real-world dental settings. From renegotiating lab fees and utilities to tracking key metrics and creating efficient systems, these insights can transform your income and free up your time.
Rida also shares how associates can take control of their earnings with smarter appointment management, strategic CPD decisions, and better use of templates. Principals will learn how to slash practice overheads, streamline operations, and build a business that works for them—not the other way around.
If you’re ready to think beyond the drill and start making business-savvy moves, this episode is your roadmap.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Could your dental practice loan repayments be eating into your growth potential? Finance specialist Dan Fearon explains how blended loans and strategic refinancing could drastically improve your monthly cash flow.
Discover how one practice reduced repayments from £20,000 to £7,000 without increasing revenue. We cover the pros and cons of extended terms, new lending options in 2025, and how debt restructuring could give your business room to breathe and grow.
Plus, UK dentists can now earn free verifiable CPD—listen in, complete a quick form via the episode link, and get your certificate straight to your inbox.cial insights that can transform your dental business.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
If you’d like to discuss your finances with a professional, you can connect with Luke here: https://www.viderefinancial.com/contact
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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/how-the-nhs-pension-actually-works-with-luke-hurley
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The NHS pension is often misunderstood—but getting it right is crucial to your long-term financial wellbeing. In this episode, financial planner Luke Hurley demystifies the system and reveals how it fits into your wider retirement strategy.
Learn the real structure of the NHS pension scheme (hint: it’s not a savings pot!), how your benefits are calculated, and what’s changed in 2025. Luke walks through the key differences between the 1995, 2008, and 2015 schemes, explains the revaluation process, and shares vital insight on retirement age reforms, spouse benefits, and how this scheme supports your journey to financial independence.
Perfect for dentists in the NHS at any career stage—and don’t forget, verifiable CPD is up for grabs via the link in the episode description.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Need to review your Income Protection?Connect with Warren here: https://www.dentistswhoinvest.com/income-protection
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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/what-cover-do-i-need-to-protect-me-and-when-with-warren-robins
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Your dental career is a major investment—are you fully protecting it? In this episode, insurance specialist Warren Robins explains the essential income protection, life insurance, and business cover dentists need at every stage of their journey.
Learn why securing income protection insurance early can lock in lower premiums, why standard mortgage cover often isn’t enough for high earners, and how Family Income Benefit can offer smarter protection for your loved ones. For practice owners, Warren shares crucial insights into executive income protection, key person cover, and why private medical insurance is vital in today’s overstretched NHS system.
We also dive into inheritance tax planning strategies for dentists nearing retirement, ensuring your legacy is as secure as your practice.
Listen now and claim your free CPD certificate by completing the quick questionnaire.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that p
Send us a text
If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact
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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/whats-changed-with-isaspensionsgias-this-tax-year-with-anick-sharma
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The 2025 tax year brings critical updates to ISAs, pensions, and GIAs—and dental professionals need to stay ahead. In this episode, financial planner Anick Sharma breaks down the rule changes and strategic shifts that could impact your long-term wealth.
From multiple ISA contributions now being allowed in one tax year to the future inheritance tax implications on pensions, this episode arms you with the key updates that matter. Anick also explains the often-misunderstood FSCS protection rules, why cashflow planning beats guesswork, and how early investing each tax year could grow your portfolio by up to £60,000 over 30 years.
We also unpack how NHS pension complexities and corporate investing affect your decisions as a practice owner or associate.
Listen now and futureproof your finances with insights tailored to the dental profession.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/ltd-co-vs-sole-trader-what-you-need-to-know-for-this-tax-year-with-amman-sarkaria
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Should you operate as a sole trader or through a limited company? For dental professionals, this decision can impact everything from tax bills to long-term wealth. In this essential episode, specialist dental accountant Amman Sarkaria breaks down the financial, legal, and practical implications of each structure — updated for the 2025 tax year.
Amman walks us through real-world comparisons, including a £130,000 income example that shows how dentists could save up to £25,000 annually with the right limited company setup. Learn how to optimise your salary-dividend mix, make use of electric vehicle deductions, and even employ family members legally and effectively.
But it’s not just about tax perks—we explore NHS pension eligibility, IR35 risks, and whether a Ltd Co truly fits your career stage and lifestyle goals.
Whether you’re newly qualified or restructuring your business, this episode delivers the insight every UK dentist needs to make an informed, strategic decision.
Listen now and maximise your tax efficiency this financial year.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What if retirement isn’t about stopping work—but about stopping the trade-off between stress and future freedom? In this thought-provoking episode, Dr James Martin unpacks the real meaning of early retirement and how dentists can achieve it without sacrificing their wellbeing.
You’ll discover three distinct retirement pathways: radical expense cutting, wealth accumulation, or living with present balance. James explains the three financial life stages—accumulation, pinnacle point, and distribution—and how understanding which phase you’re in shapes your entire strategy.
The stats are eye-opening: a £10,000 investment returning 10% annually could grow to £450,000 over 40 years, compared to just £130,000 at 6%. But beyond the numbers, many dentists are already at their pinnacle point—the moment they could choose to slow down—yet continue working full-tilt due to lack of clarity.
This episode is your chance to step back, assess your journey, and begin building financial freedom on your terms.
Listen now to redefine retirement—and decide how you really want to live.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Tired of six-day weeks in the clinic but still want to build wealth and freedom? In this powerful episode, Dr James Martin shares a strategy that’s helping dentists work fewer hours without compromising financial success.
The key isn’t resenting dentistry—it’s about creating financial stability while reclaiming your time. Drawing on Robert Kiyosaki’s Cash Flow Quadrant, James explains how most dentists sit in the “self-employed” space, trading time for money. The long-term goal? Move across the quadrant to become an owner or investor, where assets generate income for you.
Before diving into property or stock strategies, James highlights the most overlooked first step: maximise your clinical efficiency and income. Upskilling, better communication, and effective treatment planning can dramatically increase your earnings per hour—giving you the capital to invest and scale back your clinical hours over time.
Whether you’re a new graduate or approaching retirement, this episode lays out the mindset and strategy behind doing less dentistry while securing long-term wealth.
Ready to start building a life beyond the chair? Listen now and discover what one small shift could set you on the path to financial freedom.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/how-much-do-dentists-earn-new-nasdal-figures-with-johnny-minford
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The financial reality of dental practice ownership and associate earnings is often misunderstood. In this revealing discussion with dental accountancy expert Johnny Minford, we uncover the true earnings of UK dentists, based on the latest NASDAL figures.
Surprisingly, NHS practices are showing slightly higher profits than private practices—£166,000 versus £162,000 per principal—challenging conventional wisdom. Johnny explains how private practice profits have declined from post-pandemic highs, while NHS practices have maintained steady growth despite recruitment challenges.
We also delve into the earnings gap between associates, with private practice associates earning £105,000 compared to £74,000 for NHS counterparts. But earnings are more than just numbers—they’re influenced by lifestyle, working hours, and specialised services.
One of the most eye-opening findings is the geographical disparity in earnings. Dentists in London earn approximately 33% less than their colleagues in regions like East Anglia, Scotland, and the Northeast—an unexpected insight into the factors driving regional income differences.
As the dental profession continues to evolve, we explore how diversification of income streams is reshaping the financial landscape. The percentage of predominantly NHS practices is falling, reflecting a broader shift in strategy.
Curious how your earnings compare to industry benchmarks? Listen now and UK dentists can earn free verifiable CPD by completing the short questionnaire linked in the episode description.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/effective-inheritance-tax-planning-with-luke-hurley-and-anick-sharma
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Are you a dentist looking to grow your wealth? You can connect with Luke and Anick here: https://www.viderefinancial.com/contact
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Inheritance tax is often called “the optional tax”—because with the right planning, dental professionals can significantly reduce its impact and protect family wealth. Financial experts Luke Hurley and Anick Sharma break down the key strategies to help you safeguard your estate.
Every UK taxpayer has a £325,000 nil rate band, transferable between spouses, plus a £175,000 residence nil rate band for direct descendants. But beyond these limits, a 40% tax can erode your hard-earned wealth. This episode explores practical tax-saving strategies, including the often-overlooked gifting from normal expenditure out of income—a powerful tool for high-earning dentists.
Our experts also tackle common pitfalls, such as poor investment choices promising tax relief, international tax complications, and key business relief rules affecting dental practice sales. Their philosophy? Smart planning should balance tax efficiency with enjoying your wealth—after all, as Anik says, “When they die, I want to see the cheque to the undertaker bounce.”
Want to secure your family’s financial future? Listen now—and UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/heres-what-the-uk-government-are-doing-to-the-finances-of-dentists-with-eddie-crouch
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The financial pressure on UK dental practices has never been higher. Eddie Crouch, chairman of the BDA, reveals how recent budget changes are adding an extra £14,000 per year in costs to the average practice, pushing many NHS dentists to the brink.
While private practices can adjust fees, NHS practices face a deeper crisis. Despite a 6% government pay uplift, practice expenses are calculated using a 1.68% GDP deflator, while real dental inflation is closer to 14%. This mismatch has led to a 30% drop in NHS dentist income over the past decade, with more dentists reducing or exiting their NHS commitments.
Eddie shares insights from his discussions with MPs, exposing how politics influences NHS dental policies. With only 3% of practices accepting new NHS patients and 13 million people lacking NHS dental access, the future of NHS dentistry is uncertain. Will it focus solely on children’s care, emergency services, or means-tested access? Eddie explores these possibilities, along with the rise of corporate dentistry and shifting practice ownership dynamics.
Stay informed on the biggest challenges in UK dentistry. Listen now—and UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/what-the-spring-budget-means-for-dentists-with-david-hossein
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The latest Spring Budget may not have brought major surprises, but UK dental practices still face big financial changes from April 1st. Specialist dental accountant David Hossein explains what these updates mean for practice owners and associates.
With employer National Insurance rising by 1.2% and the National Living Wage increasing to £12.21 per hour, practice costs are set to climb. Meanwhile, those selling a practice should prepare for the Business Asset Disposal Relief tax rate jumping from 10% to 14%—leading to a rush of transactions before the April deadline.
Beyond tax changes, HMRC enforcement is ramping up. Random inspections are becoming more frequent, late payment penalties are rising to 10%, and Making Tax Digital continues moving forward. Economic growth forecasts have also been halved, adding further pressure on dental businesses.
Want to stay ahead of financial challenges? Listen now and UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Do your mortgage repayments feel high?
Connect with Sarah here: https://www.dentistswhoinvest.com/sarah-grace-mortgages
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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/mortgage-bulletin-for-dentists-with-sarah-grace
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The mortgage landscape for UK dentists is changing fast in 2024. Specialist mortgage broker Sarah Grace breaks down what dental professionals need to know about interest rates, fixed-rate expirations, and key deadlines that could impact their financial future.
With the Bank of England holding interest rates at 4.5%, experts predict potential reductions by year-end—but fixed mortgage costs depend on swap rates, not just central bank decisions. Sarah explains what this means for dentists navigating the mortgage market.
If you’re coming off a low fixed-rate deal, prepare for higher repayments as rates have risen. Sarah shares practical strategies to manage this transition. First-time buyers must also act fast—stamp duty thresholds revert on April 1st, with some dentists facing up to £11,000 in extra tax if they miss the March deadline.
Are you making the best mortgage decisions? Tune in now, and UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
If you’d like to discuss your finances with a professional, you can connect with Luke here: https://www.viderefinancial.com/contact
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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/the-most-important-part-of-your-investing-strategy-with-luke-hurley
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Most investors focus on stock picks and portfolio diversity—but they’re overlooking the crucial first step. Financial advisor Luke Hurley explains why defining your vision should come before any investment decisions.
Luke shares three powerful principles that shape effective financial planning: time as your most valuable resource, happiness as the ultimate goal, and money as a tool to enable your best life. He also explores how to discover your financial “why,” set meaningful milestones, and calculate your personal “number” for financial independence—the point where work becomes a choice, not a necessity.
With 77% of UK adults unsure how much they need for retirement and only 20% confident they’re saving enough, this conversation is a must-listen for dentists and high-earning professionals. You may already have enough to retire but haven’t defined what “enough” means. Luke also examines the limitations of traditional retirement strategies, including the 4% rule, and why preserving pension assets for inheritance might be a smarter long-term approach.
Ready to rethink your approach to money? Tune in now—and UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/why-labour-could-be-targeting-dentists-with-mike-bryan
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Could your dental practice be in HMRC’s sights? With 5,000 new inspectors targeting small businesses, dentists are a prime focus as Labour looks to close the £40 billion tax gap.
In this episode, Mike Bryan explains how upcoming tax changes — like Making Tax Digital — could increase your admin load and what steps you can take to stay compliant while minimising your tax bill.
Don’t get caught out — tune in now and claim your free CPD.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/how-to-invest-via-ltd-company-with-luke-hurley-and-anick-sharma
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Are you a dentist looking to grow your wealth? You can connect with Luke and Anick here: https://www.viderefinancial.com/contact
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Got extra cash sitting in your dental company? Leaving it there means inflation eats away at it but taking it out comes with a hefty tax bill. So, what’s the smart move?
In this episode, financial pros Anick Sharma and Luke Hurley break down how to invest through your Ltd company — covering intercompany loans, holding companies, and whether property or stocks are the better bet.
If you’re a dentist looking to make your company’s money work harder, this one’s for you. Tune in.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What if your dental practice could run itself while you work just one day a week? Dr. Hema Dhingra shares how she transformed from an associate to a thriving practice owner, tripling turnover and building a self-sustaining business all while balancing motherhood.
She reveals the mindset shifts, leadership strategies, and culture-building techniques that helped her scale from three dentists to a multi-specialist team proving that practice ownership doesn’t have to mean burnout.
Thinking of buying a practice? This episode is packed with insights to help you make it happen!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What makes two young dentists take the plunge into practice ownership at just 25? James and Katy Nolan share their journey of launching a squat practice—combining ambition, a bit of naivety, and a whole lot of determination.
They open up about the highs, the hurdles, and the lessons learned along the way, from building patient trust with minimal marketing spend to balancing business with their personal relationship.
If you’re thinking about starting your own practice (or just love a good success story), this episode is a must-listen!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Gold has fascinated investors for centuries, but is it still a smart move today? In this episode, we break down the ins and outs of gold investment and why it holds value, how it compares to paper assets, and how you can add it to your portfolio.
We explore four key ways to invest: owning physical gold, buying gold mining stocks, investing in gold ETFs, and even spread betting. Each comes with its own risks and rewards, and we’re here to help you navigate them.
If you’re looking for a hedge against economic uncertainty, gold might just be your answer. Tune in to find out how to make it work for you!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact
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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/isas-vs-pensions-heres-what-dentists-need-to-know-with-anick-sharma
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Ever felt lost in the maze of ISAs and pensions? You’re not alone. Many dentists struggle with deciding where to put their money for the best returns. In this episode, financial expert Anick Sharma breaks down the key differences, helping you make informed choices about your financial future.
We dive into ISAs and how they offer tax-free savings, the different types available, and how they fit into short- and long-term plans. Then, we tackle pensions, unpacking the tax relief benefits that can supercharge your investments over time. So, which should you use? ISAs, pensions, both… or neither?
Tune in for clear, no-nonsense guidance on maximising your savings and making your money work harder for you.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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From practice owner to high-level corporate leader, Dr Anne O’Donnell has seen and done it all in dentistry. In this episode, she takes us through her journey—qualifying in 1984, navigating the strict advertising rules of the time, and building a thriving practice by 1998. Anne shares key lessons on branding, marketing, and adapting to an industry that’s constantly evolving, giving dentists a masterclass in long-term success.
We dive into the mindset shift that took Anne from running a practice to thinking like a CEO. She explains why every dentist should have a three-year growth plan and how applying business principles can accelerate success. Whether you’re looking to scale, sell, or simply make your practice more profitable, Anne’s strategic insights will change the way you view dental careers.
And when it comes to financial planning, Anne doesn’t hold back. We cover the realities of consolidation, transitioning to an associate-led model, and preparing for a lucrative exit. She also shares her latest venture in practice mentoring, helping dentists maximise their potential. If you want to future-proof your career and business, this episode is packed with wisdom you won’t want to miss.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Want to sell your dental practice for top dollar? In this episode, we sit down with Luke Moore from Dental Elite to break down the key factors that can boost your sale multiple. From understanding EBITDA to navigating the impact of interest rates, Luke shares insider tips on making your practice more attractive to buyers. With private equity still hungry for acquisitions, now’s the time to ensure your practice stands out in a competitive market.
We’ll uncover strategies to minimise risk and maximise value, from reducing “key man risk” to shifting towards private income streams. Learn how diversifying patient loads among associates and keeping contracts stable can safeguard your practice’s appeal. Plus, if you’re considering transitioning from NHS to private, we discuss how to make the shift without losing financial momentum.
Finally, we dive into the importance of patient numbers in driving up your practice’s value. Luke reveals the ideal patient-to-surgery ratio, how to re-engage lapsed patients, and why a strong recall system is essential. Whether you’re planning to sell soon or just want to future-proof your business, this episode is packed with actionable insights to help you secure a high-value exit.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/why-work-longer-than-you-need-to-with-anick-sharma
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Are you a dentist looking to grow your wealth? https://www.viderefinancial.com/contact
———————————————————————What if you could call it quits earlier than you ever thought possible? In this episode, we sit down with Anick Sharma to unpack the strategies that can bring your retirement date forward—without sacrificing your lifestyle. Retirement isn’t just about having a pile of cash; it’s about having a plan. We explore why setting clear financial goals is as crucial as charting a course before setting sail, ensuring you don’t just drift aimlessly but make the most of your hard-earned wealth.
Through real-life case studies like Adam and Natasha, we highlight how smart financial moves can mean the difference between scraping by and thriving in retirement. Their story is a powerful reminder that planning for longevity, unexpected expenses, and lifestyle goals can help you retire earlier and with confidence. And it’s not just about numbers—it’s about freedom, time, and experiences.
We also dive into investment strategies that actually work. Forget trying to time the market—Anick breaks down why diversification, tax-efficient investing, and asset allocation matter more than guesswork. Whether you’re keen on DIY retirement planning or just want to know the essentials, this episode arms you with the knowledge to make smart financial decisions and enjoy the retirement you deserve.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Need to review your Income Protection?Connect with Warren here: https://www.dentistswhoinvest.com/income-protection
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Discover how to safeguard your career as a dentist with expert insights from Warren Robbins, as we unravel the complexities of income protection insurance. Master the art of selecting the right coverage that ensures you're financially secure if you can't perform your dental duties. This episode lays bare the myths surrounding insurance providers and highlights the pivotal role of "own occupation" policies. We promise you’ll walk away with a clear understanding of why dentists should prioritize this type of coverage over alternatives like "activities of daily living" or "specified work tasks," which may leave you unprotected at critical times.
Our discussion doesn’t stop there—we also shine a light on the importance of critical illness cover and total permanent disability (TPD) insurance tailored for professionals who rely on their fine motor skills. Hear Warren's compelling real-world example of a client who secured a substantial payout under an "own occupation" TPD policy, underscoring its crucial value. Amidst a dwindling number of insurers offering this specialized coverage, we offer guidance on navigating these choices wisely. Tune in to learn how to make informed decisions that protect your practice and livelihood, and consider reaching out to Warren for personalized advice or a consultation.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Struggling to land the perfect mortgage deal as a dentist? In this episode, mortgage expert Anish Patel breaks down why the usual lending rules don’t always work in your favour and how your dental practice’s structure can impact your borrowing power. We dive into why modest salaries and strategic dividends can put a cap on what you can borrow—and how lenders who back business profits can open up better mortgage options for you. Plus, learn how to balance your personal income and business profits to increase your chances of securing your dream home, without messing up your finances.
But that’s not all! We also explore practical steps to boost your credit score. Even high-earning dentists can fall victim to late payments and Buy Now, Pay Later schemes. Anish shares simple strategies to maintain a strong credit score and why staying on top of direct debits and keeping creditors in the loop can make a difference. We also debunk myths around HMRC tax payment plans and offer advice for locum dentists on managing finances like a pro. Tune in and get the knowledge you need to enhance your financial profile and secure the mortgage you deserve!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Thinking of upgrading your car? Before you splash the cash, let’s make sure you’re getting the best deal possible. Car finance expert Ammar Farishta joins us to break down everything you need to know—whether buying or leasing is the smarter move, what all those finance acronyms (PCP, HP, etc.) actually mean, and how your choice could impact your tax bill.
We’re diving into the key details of car finance, from why leasing can mean lower monthly payments to why Hire Purchase might be a better bet if you like owning your wheels outright. And if you’re eyeing up an electric car, we’ll walk you through the juicy tax breaks and salary sacrifice perks that could make it a no-brainer—especially if you’re running a business.
This episode is all about making smart money moves when it comes to your next car. So before you sign on the dotted line. Tune in!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Is starting a dental squat practice still a smart move in 2025? Dr. Bobby Bhandal joins us to break down why, despite shifting tax policies, squat practices remain a powerful route to success. He shares hard-earned insights on resilience, business acumen, and the mindset needed to build a thriving practice from the ground up.
We explore modern patient engagement strategies, moving beyond tired discount tactics to authentic marketing that builds trust. Learn how strategic messaging—rather than social media hype—can create a loyal patient base.
Finally, we dive into the future of dentistry, from AI-driven efficiency to the growing appeal of fully private practice models. If you’re considering a squat practice, this episode is packed with invaluable insights to help you navigate the challenges and opportunities ahead.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Selling a dental practice is more than just a financial transaction—it’s an emotional journey. In this episode, Maja Thompson from Henry Schein shares expert insights on navigating the complexities of a practice exit while preparing for life after dentistry. Many dentists underestimate the emotional impact of selling, but with the right strategies, you can transition smoothly into retirement without feeling lost or unfulfilled.
We explore the key steps to a seamless sale, from early planning and tax considerations to diversifying income streams for financial security. Maja also reveals how dentists can embrace new opportunities, hobbies, and even philanthropy to make retirement one of the most rewarding phases of life.
Finally, we break down the practicalities of selling, including due diligence, legal agreements, lease negotiations, and the increasingly complex process of transferring CQC registration. Whether you’re planning to sell soon or just considering your options, this episode is packed with essential advice to ensure your exit is as smooth and stress-free as possible.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/ltd-company-vs-sole-trader-does-it-still-make-sense-in-2025-with-johnny-minford
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Join expert dental accountant Johnny Minford as we break down the pros and cons of operating as a limited company versus a sole trader in 2025. This episode dives into the often confusing world of tax decisions, uncovering key insights on potential tax savings and hidden costs that could affect your financial strategy. Whether you’re an NHS dentist or a private practitioner, understanding the nuances of incorporation and consulting with an accountant can make all the difference in shaping your financial future.
Discover the best tax strategies for limited companies, including tips on valuing goodwill, the timing of incorporation, and how to optimize profit extraction. We also discuss valuable opportunities for non-domiciled UK residents and the strategic use of voluntary liquidation for entrepreneurs’ relief, ensuring you get the most out of your business structure.
Looking ahead to 2025, we also explore how upcoming tax changes—such as the narrowing gap between income tax and capital gains tax rates—could impact your financial decisions. From pensions to long-term investments, understanding these shifts is crucial for securing your financial future. Tune in for expert insights that will empower you to make smarter tax and financial planning decisions in the dental industry.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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In this episode, mindset coach Tom Fortes-Mayer reveals how unconscious beliefs could be standing in the way of your wealth and happiness. Discover how deep-rooted psychological barriers can hold even the most successful individuals back from achieving their true potential, and learn why financial success alone doesn’t guarantee fulfillment.
Tom dives into the workings of the unconscious mind, explaining the role of the “protector” that leads to self-sabotage and cycles of self-doubt. Through powerful insights, we explore how early life experiences shape our emotional responses and can hinder our ability to live fully. By uncovering and challenging these ingrained patterns, Tom guides us to break free from the self-imposed limits that hold us back from experiencing happiness, love, and true abundance.
Join us as we shift from a fear-driven life to one rooted in purpose, with practical advice on overcoming approval-seeking behaviors, burnout, and more. Plus, get a sneak peek into Tom’s upcoming book, Stop Fcking Up Your Life.* This episode is a must-listen for anyone ready to challenge their mindset and unlock the path to a more fulfilling, abundant life.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Want to boost your income without working extra hours? In this episode, we explore how refining your communication skills can transform your practice. Learn how simplifying dental jargon into clear, patient-friendly language helps patients make better health decisions while improving case acceptance.
We’ll introduce a practical four-step framework to enhance your patient conversations—identify the issue, present the solution, create urgency, and highlight the outcome. From explaining the need for a filling to discussing treatment options effectively, we share actionable tips to make your communication more impactful.
If you’re ready to increase your take-home income by empowering patients and building stronger connections, this episode is packed with strategies to get you there.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever wondered what truly sets a successful dental practice apart? Join me and Dr. Chetan Mathias, founder of multiple thriving practices, as we unpack the secrets to creating a profitable, patient-focused business. From identifying your unique selling points to avoiding the cookie-cutter traps of generic marketing, Dr. Mathias shares actionable insights to help you stand out in a crowded market.
Learn how personalised storytelling can transform a single patient experience into a powerful marketing asset. Discover the game-changing role of a Patient Growth Coordinator, and explore how strategic delegation, embracing technology, and building a dynamic team can optimise your practice’s efficiency and profitability. Whether you’re looking to grow or refine your operations, this episode offers a roadmap to elevate your dental business.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Join me, Dr. James Martin, as I share the finance books that transformed my journey from UK dentist to financial educator. These reads aren’t just informative—they’re game-changers, offering a roadmap to mastering money and investing. Starting with Andrew Craig’s UK-focused insights, I’ll take you through the long-term strategies and emotional lessons that reshaped how I think about wealth.
We’ll dive into “The Gone Fishin’ Portfolio” for strategic guidance, “The Psychology of Money” for its take on the emotions behind finance, and the classic wisdom of Robert Kiyosaki’s “Rich Dad, Poor Dad,” which challenges conventional money mindsets. If you’re ready to build your financial foundation, this episode is packed with tools to guide you towards a confident and secure financial future.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Are you a dentist looking to grow your wealth? Visit our website to learn more. https://www.viderefinancial.com/contact
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Dreaming of an early retirement? This episode is your guide. Financial planning expert Anick Sharma joins us to share actionable steps tailored specifically for dentists. He challenges traditional retirement models, urging you to measure wealth not just in pounds but in time, relationships, and meaningful experiences. Through an inspiring client story, Anick illustrates how understanding your financial position and setting clear goals can help you retire sooner than you thought possible—all while aligning your finances with the life you truly want.
We explore how to balance your financial “bucket,” ensuring income, assets, and spending work together to create both present happiness and long-term security. Anick draws a brilliant analogy between financial planning and dental treatment planning: a clear diagnosis is key before choosing the right remedy. Whether you’re planning to step back early or just want to secure a stress-free retirement, this episode is packed with insights to help you craft a strategy that fits your life.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Are you a dentist looking to grow your wealth? Visit our website to learn more. https://www.viderefinancial.com/contact
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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If you’ve ever wondered how to secure your financial future in dentistry, this episode is for you. Anick Sharma joins us once again on the Dentists Who Invest Podcast to bust some common myths around financial planning and investing. We kick things off by revisiting the basics—why understanding the time value of money and the impact of inflation is essential to safeguarding your wealth. Anick makes it clear that investing isn’t a luxury but a necessity if you want to protect and grow your purchasing power. We also dive into the stock market and why timing your investments to avoid missing the best days is key to maximising returns.
For those just starting out in their dental careers, we break down the path to financial freedom, focusing on income generation and reinvesting into a range of assets. Anick warns against speculative investments like Bitcoin and encourages a more disciplined, long-term approach to handling market volatility. Plus, we highlight the power of compounding and why it’s critical to start early and stay steady, avoiding the emotional rollercoaster of market ups and downs.
As we move into retirement planning, Anick stresses the importance of investing for long-term growth and the risks of holding onto cash. He shares insights into how dental business owners can plan for the future and provides strategies for business exits. Find out why selling your practice at a fair value—rather than waiting for the highest possible offer—can set you up for the retirement lifestyle you want. Tune in for a down-to-earth, practical look at how to align your financial strategies with your life goals and secure your financial future.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What if a simple “yes” could reshape your financial future? In this episode, I dive into how embracing opportunities and making conscious decisions can have a powerful impact on your investments. Join me as I reflect on my 2024 investing journey, where saying “yes” opened doors to unexpected synergies and enriched results. We’ll explore how shifting our mindset from spending to investing sharpens our financial intelligence, transforming the way we approach every decision.
Einstein famously called compounding the “eighth wonder of the world,” and I’ll show you exactly why. By understanding how small, compounded actions lead to exponential growth, we unlock a powerful tool for long-term wealth. We also talk about aligning your actions with your true desires, making sure that time and energy are spent on pursuits that matter. With stories of success and lessons learned, I stress the importance of resilience—each experience, good or bad, adds value to your journey. Tune in and learn how to craft a plan for the future that builds on the lessons of the past, ensuring that every step forward is both a victory and a learning opportunity.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Want to take your personal and professional growth to the next level? It’s not just about focusing on the “how,” but the “who.” In this episode, I share to you five life-changing books that have transformed my approach to success. Through the powerful concept of “Who Not How,” we dive into how choosing the right people to help you can fast-track your progress and deliver more meaningful results.
Forget trying to skim through endless books for tips—these select few hold timeless wisdom that has reshaped our thinking. From How to Own the World—a guide to smart investing—to Traction by Gino Wickman, which reveals how systems and KPIs can change the game, each book offers a unique lesson. We also explore The E-Myth, which teaches how building solid systems and protocols is key to achieving lasting success. This episode will inspire you to break free from limiting beliefs and reach new heights, whether you’re just starting out or a seasoned pro.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Let’s get real about passive income. It’s not some magical money tap that turns itself on while you’re on a beach in Bali. In this episode, we’re flipping the script on the idea of passive income, treating it as a spectrum rather than an all-or-nothing goal. Dr. James Martin shares how focusing on high-value activities—like a dentist doubling down on specialist treatments—can massively boost your income without falling into the passive income fantasy trap.
We’ll explore how refining your skills and shifting your mindset can pave the way to creating systems that work smarter, not harder, for you. It’s not about skipping the graft—it’s about making your effort count. Whether it’s improving income efficiency or building long-term financial security, this episode is packed with practical strategies to help you reclaim your time and focus on what truly matters. Financial freedom? It’s not a pipe dream—it’s achievable with the right tools and approach.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Does financial jargon leave you scratching your head? Yep, you’re not alone! In this episode, we chat with Peter Frampton, chartered accountant and founder of Wealthvox, who’s on a mission to make finances simple for dentists. Whether it’s income statements, balance sheets, or the difference between profit and cash flow, Peter breaks it all down in plain English so you can confidently take control of your practice’s finances.
We’ll also dive into practical tips, like how to spot red flags such as operating losses, and use Peter’s “RELAX” framework to assess your practice’s financial health. From juggling debt to figuring out where your money’s actually going, this episode is packed with insights to help you feel more in control.
Oh, and there’s a new Wealthvox initiative on the horizon to help dentists master their numbers. If you’re ready to ditch the confusion and make smarter financial decisions, don’t miss this one!
Don't miss out on updates!
Register here: https://wealthvox.com/dentists
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Thinking about stepping up your property investment game? In this episode, Dr. Jassy Sidhu shares his expertise on Houses in Multiple Occupation (HMOs) and why they could be the answer to boosting your cash flow—even with high interest rates and tough property prices. We unpack how recent stamp duty changes and the shifting market landscape present golden opportunities, particularly when buying from retiring landlords who are ready to let go of their portfolios.
Dr. Sidhu gives us a peek into his own investment journey, like turning an old pub into a high-performing HMO, and the lessons he’s learned navigating bridging finance. Whether you’re just starting out with a single buy-to-let or considering a leap into more complex ventures, this episode offers practical steps and strategies to help you make informed decisions.
If you’re ready to explore the financial and strategic ins and outs of HMOs and start maximising your property investments, then this one’s for you.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/is-this-a-good-time-to-buy-a-dental-practice-with-johnny-minford
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Want to understand how to become as tax efficient as possible?
Connect with Johnny here: https://www.dentistswhoinvest.com/reducing-tax-bill
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Thinking about buying a dental practice but not sure if it’s the right time? In this episode, we’re joined by James, who shares his expert insights into what makes a good dental practice purchase. From understanding the differences between owner-managed and associate-led practices to evaluating key factors like lab fees, overheads, space, and patient demographics, we cover everything you need to know to make an informed decision.
Ever wondered why a practice owner might decide to sell? We’ll walk you through the red flags, like neglected maintenance or disengaged staff, that could signal a tired seller. Plus, we’ll explain how capital gains tax changes and broader economic factors can affect a seller’s pricing strategy, giving you potential buying opportunities you wouldn’t expect. James also sheds light on how to assess a practice’s financials to avoid getting caught up in inflated figures that make the practice seem more profitable than it is.
We’ll finish up by looking at how the current market dynamics, including budget changes, interest rates, and geographical factors, are shaping practice values. Whether you’re a first-time buyer or looking to expand, learn how to turn market challenges into opportunities with strategic decision-making and due diligence. From NHS practices to working with banks, we’ve got you covered, so you can navigate the complexities of dental practice acquisitions with confidence.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Do your mortgage repayments feel high?
Connect with Sarah here: https://www.dentistswhoinvest.com/sarah-grace-mortgages
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Are you ready for a shake-up in your property-buying strategy? In this episode, we’re unpacking the latest budget changes and how they’ll impact the property market. Big shifts to stamp duty—like the removal of first-time buyer relief and the halving of the nil-rate band from £250,000 to £125,000—could significantly affect your costs. If you’re planning to buy after March 31st, be prepared for a potential jump in costs, with first-time buyers seeing their bills soar from £3,750 to £10,000 on a £500,000 property.
We’ll also explain why it’s absolutely crucial to finalise your property deal before the deadline. Whether you’re a first-time buyer or a seasoned buy-to-let investor, these changes are bound to shake things up, especially with an additional 5% stamp duty on buy-to-let purchases.
But it’s not all bad news. If you’re a new dentist looking to transition to self-employment, you’ll be pleased to hear that you don’t need years of financial records to secure a mortgage. You can actually use just three months of pay schedules to qualify for a mortgage of up to five times your income. So, if you’re bringing in around £7,000 a month, you could be looking at borrowing up to £420,000. The key is to act fast and make the most of savings before the year ends. Tune in for insider tips that could completely change how you approach the property market in these uncertain times.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ready to unlock the secrets to a successful dental practice exit? In this episode, we’re diving into the nitty-gritty of transitioning out of your practice with expert insights from Michael McCulloch. We’ll guide you through the four main routes for exiting a dental practice: selling to a corporate group, partnering up, bringing in private equity, or stepping into a passive investor role. Each option has its pros and cons, and we’ll help you match your personal goals with the right strategy for a smooth transition. Plus, find out how giving management a stake in the business through equity shares can keep things growing even after you take a step back.
Michael, a pro in practice exits, reveals the world of private equity in dental businesses. What makes a practice attractive to investors? How can you tip the scales in your favour with a solid business model and strong management team? We’ll also touch on alternative options beyond a full sale, helping you understand whether you should sell completely or still have a hand in things post-exit.
Selling a dental practice isn’t just about the numbers—it’s a big emotional and financial move. That’s why planning is key. We’ll explore how to maximise your practice’s value through careful strategy, understanding the metrics that matter, and creating competition among potential buyers. Whether you’re looking to retire entirely or stay involved in a new role, this episode has everything you need to make your exit strategy a success.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Thinking about going into dental practice acquisition or scaling up your current practice? This one’s for you! Join me and Michael McCulloch, a pro in the field, as we break down the steps to increasing revenue and making savvy moves in the dental business world. Michael shares how to spot scalable opportunities, make smart investments, and boost profitability with creative strategies—like extending your hours or giving your brand a fresh makeover.
We’ll also talk about how to maximise your practice’s value. Whether you’re an associate eyeing an exit or an owner planning to expand, we’ll discuss why it’s crucial to set clear goals—whether you’re after financial growth, a better work-life balance, or professional recognition. Plus, we’ll touch on the challenges of building a patient base from scratch, the power of social media in boosting your practice’s visibility, and how strategic branding can seriously impact your practice’s valuation.
Michael also spills the beans on how dental corporates like Bupa and mydentist approach branding, and why your personal brand matters just as much. By the end of this episode, you’ll be ready to take your dental business to the next level and make smarter moves in the acquisition game.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever found yourself wondering if your latest dental course or training in something like macro photography qualifies for tax relief? Mike Bryan, an expert accountant with a knack for understanding HMRC’s tricky rules, is here to clear it all up for you. From exploring how your courses could qualify as tax deductible to diving into the “wholly and exclusively” rule, Mike breaks it all down in simple terms.
We cover the ins and outs of claiming tax relief for professional development—whether you’re a self-employed dentist with a bit more flexibility or an NHS-employed pro navigating stricter rules. Mike gives you the lowdown on claiming things like professional subscriptions and even dental indemnity insurance, including some sneaky ways to cancel unnecessary policies.
If you want to make sure you’re not missing out on any tax-saving opportunities, this episode is your go-to guide for navigating the ever-evolving world of dental tax relief.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What a journey Anil has had! From his roots in Kathmandu to becoming a pioneer in prosthodontics on Wimpole Street, this episode is packed with inspiration and practical wisdom. Anil opens up about navigating dentistry in 1970s Britain, the lessons he’s learned from managing money, and how he built financial stability through self-education (and a fair few mistakes along the way).
But it’s not all about cash flow. Anil shares his take on balancing a demanding career with what really matters—cherished family moments. He gives us a peek into his work-life philosophy, showing how he structures his practice to keep his values front and centre.
You’ll also pick up loads of practical financial tips, from using ISAs to staying steady through setbacks. Whether you’re a young professional or further along in your career, Anil’s story is a cracking reminder of the power of resilience and smart financial planning.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Starting your own dental practice can feel overwhelming, especially when you’re staring down those early bills. But what if there’s a way to ease the pressure? In this episode, finance expert Chetan Jethwa explains how interest-only loans could be the solution for new or “squat” practices. By keeping repayments low at the start, these loans give you the breathing room to focus on growing your patient base and covering essentials like staff salaries. We even share a cracking story about a dentist who used this approach to set up a thriving practice later in life.
If you’re thinking about making the leap from associate to owner or starting fresh, this episode has plenty of practical advice to help you make it happen. From picking the right location and crafting a solid business plan to understanding what lenders are really looking for, we break it all down. So, whether you’re just starting out or planning your next big move, don’t miss this one!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Thought of what’s behind the numbers when it comes to dental practice valuations? In this episode, we’ve got Luke Moore breaking down the ins and outs of what really goes into valuing a practice these days—and it’s way more than just revenue! We explore how valuations have shifted from simple revenue checks to a full-on deep dive into profitability, all thanks to major changes like the Dentist Act shake-up in 2006-2007. This opened the door for dentists to run limited companies and even brought in non-dentist shareholders, changing the game for practice valuations.
We’re taking a good look at how the business model in dentistry has evolved, with the move from NHS to private practices and the rise of private dental groups. Banks see dental practices as a low-risk bet, especially as recruitment challenges keep nudging the sector towards private setups. Plus, we’re busting some myths around GDC regulations and showing how creative financial strategies have popped up to tackle industry changes, impacting dental practice valuations even more.
And what’s the post-pandemic vibe? Demand for smaller, mixed practices is on the rise, and Luke shares tips for those looking to buy or sell in this new landscape. From understanding the supply and demand rollercoaster to potential tax implications, this episode is a must for anyone keen on navigating the future of dental practice ownership. Whether you’re a veteran or a newbie, these insights into dental practice valuations are pure gold.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/the-super-associate-blueprint
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If you’re ready to take your dental career to the next level, this one’s for you! In this episode, we’re joined by Kalpesh Prajapat, or Kal, a dentist who made the leap from hospital-based dentistry to smashing it in private practice. He’s here to share the insider tips and tricks to becoming a Super Associate in dentistry. It’s all about combining top-notch clinical skills with savvy financial know-how to really step up your game.
Kal talks us through how embracing a growth mindset, constant learning, and having the right mentorship can set you on the path to success. He shares personal stories of how building trust with patients and fostering a positive team environment can make all the difference. We also dive into practical tips for making your practice run like clockwork—think digital tools like Asana and Loom to streamline your day-to-day, and how focusing on the high-value stuff (you know, the 80-20 rule) can seriously boost your productivity.
And don’t forget about social media! Kal reveals how a solid online presence can bring in high-quality patients, making your dental practice shine in today’s digital world. Whether you’re a seasoned pro or just starting out as an associate, this episode will give you all the insights you need to thrive in the competitive dental industry. So, grab a cuppa and tune in—this is one you won’t want to miss!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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In this episode, Paulina Karavella from Glassnode gives us the lowdown on her journey into the world of Bitcoin and cryptocurrency. It all kicked off back in 2014 when she first got wind of Bitcoin during her master’s thesis. Fast forward and she’s now all over the data science behind crypto. With Bitcoin heading towards its all-time high, Paulina’s here to remind us that even with all the hype, we should still be taking a long-term, steady-as-she-goes approach when it comes to investing in this volatile market.
We also dive into on-chain data which is like having a live feed of every trade, transaction, and market movement. Basically a real-time look at what’s going on in the crypto world. Paulina breaks down key things to look out for, like the halving cycle, coin days destroyed, and how the big players (whales) can really shake things up. Plus, we chat about realised vs unrealised profits and what that means for the future of crypto.
We shift gears to talk about the challenges crypto exchanges face with transparency, especially when it comes to tracking wallet ownership. We also have a chinwag about Bitcoin’s growing role in real estate and its rise as legal tender in places like El Salvador. And don’t miss the story of Benjamin Ahmed, a young lad making waves in the NFT world—proof that there’s far more to cryptocurrency than just the coins. Stick with us for a fun, yet insightful chat about all things Bitcoin and crypto!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/what-the-budget-means-for-dentists-with-david-hossein
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Want to become as tax efficient as possible?Connect with David here: https://www.dentistswhoinvest.com/david-hossein
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Curious about how the latest budget changes might hit your pocket as a dentist? Join us as David Hossein dives into the ins and outs of this year’s budget shifts and what they mean for dentists across the board. From the National Insurance rise to fresh twists on capital gains tax, these budget changes for dentists could seriously shake up the financial game. We’ll also chat about how pensions are creeping into the taxable estate category—meaning the government’s got its eye on your retirement pot to boost their coffers.
If you’re a dental practice owner, these budget changes might mean it’s time to rethink your financial approach. With rising costs and fluctuating interest rates, it could be wise to reassess practice valuations, tighten those purse strings, and have a serious look at your fees. This episode is packed with all you need to know to stay sharp and ahead of the game in today’s unpredictable financial world.
And it’s not just dentists in the spotlight! We’ll take a quick detour to talk about generational businesses—like family farms in Ireland—now facing heavy inheritance tax hikes. These budget changes are rattling businesses across the board, and we’re here to keep you informed. So, give it a listen and get clued up on the latest budget changes that could shape your financial future.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Want to understand how to become as tax efficient as possible?
Connect with Johnny here: https://www.dentistswhoinvest.com/reducing-tax-bill/
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Delve into the financial landscape shaping dental practices with Johnny Minford as he breaks down the latest budget from the Chancellor. This episode offers a critical look at how fiscal policies, particularly those influenced by political motives, may create unforeseen challenges for principal dentists. We examine the economic implications on the profession and the role of bodies like the Office of Budget Responsibility in guiding future strategies, providing a comprehensive view of the financial environment dentists face today.
Johnny explains the nuances of recent national insurance changes and how they uniquely impact dental practices and GPs who often can’t leverage exemptions due to private partnership structures. We discuss alternative ways to address the financial burden these policies place on employers and the importance of strategic financial planning to keep practices sustainable amidst tax changes.
Explore how these adjustments influence dental practice valuations and highlight the importance of pension planning and varied financial strategies for dentists. The conversation touches on potential capital gains tax shifts and how they might create urgency in the market, ultimately affecting practice valuation. This episode underscores the need for knowledgeable financial advisors to support dentists in making informed decisions and securing their financial future in an evolving tax landscape.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Learn strategies to double your income with Dr. Barry Oulton, an expert in patient communication. Dr. Oulton reveals how adapting communication styles can improve rapport and retention, prioritising service over financial goals. Learn techniques from Chris Voss’s Don’t Split the Difference, focusing on how understanding diverse patient needs leads to increased success.
Delve into building long-term patient relationships by understanding motivations for better dental care. Discover the value of discussing 20-year health goals and proactive measures like guided biofilm therapy to support dental care. Dr. Oulton also highlights the “Unlocking Sales Through Service” event in London, crafted to refine skills and enhance the uptake of high-value treatments. Whether you’re new or experienced, this episode is packed with insights to transform your approach to dental care and patient satisfaction.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Do your mortgage repayments feel high?
Connect with Sarah here: https://www.dentistswhoinvest.com/sarah-grace-mortgages
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Navigate the upcoming stamp duty changes with mortgage expert Sarah Grace. Scheduled for April 1, 2025, these changes could mean higher costs for first-time buyers as the 0% threshold lowers from £425,000 to £300,000. Sarah breaks down the impact of Liz Truss’s 2022 policy and what this means for first time buyers and others in the market. We also explore broader effects, like the reduced 0% threshold for all buyers, and consider if the Labour government’s upcoming budget will offer any relief for first-time buyers.
Listen in as we plan a post-budget episode with Sarah to provide up-to-date analysis of new policies impacting first time buyers. Connect with Sarah at sarah-grace.co.uk or call 0208 633 8888 for expert advice. Prepare to make informed decisions in the evolving first time buyer market!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————What happens when a successful dentist steps into the whirlwind of reality TV? Join us as we chat with Dr Paul Midha, a dentist whose life took an unexpected turn after his reality TV debut, leading him to rub shoulders with ex-Premier League legends and other TV stars. Discover how a chance meeting with a PR agent opened doors to unique opportunities, from celebrity football matches to attending the National Reality TV Awards. Paul’s journey is a testament to the transformative power of networking and the impact it can have on a dentist’s personal and professional growth.
In the high-stakes world of reality TV, this dentist faced Lord Sugar in “The Apprentice” boardroom, where he had to decide if fame was worth sacrificing half of his business ventures. In this episode, Paul shares his experience navigating the intense pressures of reality TV while staying true to his values. He highlights the support and camaraderie he found with other contestants and offers insights into the grit and integrity required behind the scenes.
Paul’s foray into reality TV didn’t just alter his life but it also gave his dentist career a boost. The exposure brought in new patients and strengthened Vici Dental Group’s reputation, where Paul partners with his cousin, Dr Ricky. From mentorships at conferences to leveraging content creation, this dentist reveals how the experience provided valuable networking avenues that helped him expand his horizons. Tune in to uncover the lessons he’s learned and how they can inspire you to take on new challenges.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Need to review your Income Protection?Connect with Warren here: https://www.dentistswhoinvest.com/income-protection
———————————————————————Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/is-life-insurance-worth-it-with-warren-robins
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With the help of life insurance expert Warren Robins, discover the keys to making wise decisions. Life insurance is frequently complicated, which might influence people to make decisions that aren't always in their best interests. We go over important ideas like whole-life insurance and term assurance in this episode which will help you comprehend how life insurance rates change over time and how decision-making can be influenced by our innate optimism bias.
Imagine a future where your family’s financial security isn’t left to chance with a lump-sum payout. Discover the advantages of annuities and income replacement policies that offer a consistent financial safety net, as opposed to lump-sum policies that require careful management. Warren helps demystify the emotional influences of life insurance marketing, explaining why income replacement policies might be the peace-of-mind solution you’ve overlooked. We also discuss how using trusts can ensure your life insurance benefits reach the right beneficiaries without unnecessary delays.
Don’t fall into common misconceptions about life insurance. We highlight the importance of seeking expert advice, especially when securing coverage early to lock in favourable premiums. Learn how to avoid over-insurance and tailor your policy to your specific needs. Tune in and take control of your financial future by making smart, informed life insurance choices.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Want to become as tax efficient as possible?Connect with David here: https://www.dentistswhoinvest.com/david-hossein
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport———————————————————————Could capital gains tax soon mirror income tax? In this episode, we dive deep into how Keir’s upcoming budget could reshape the tax landscape for dentists. Our insightful guest, David, explores the 2024 budget’s potential tax changes, including how a £22 billion shortfall in public finances could lead to adjustments in capital gains tax, inheritance tax, and employers’ insurance. With Keir’s upcoming budget on the horizon, we focus on how these shifts might impact assets like stocks, shares, and dental practices, encouraging proactive steps in the current tax climate.
As Keir’s upcoming budget looms, we also examine potential alterations in pension contributions and national insurance charges. David shares his expert take on inheritance tax exemptions, rising capital gains tax rates, and how these changes could affect your financial planning. Should you sell your assets or contribute to your pension ahead of the budget? We break down the timing of these decisions to help secure your financial future amidst uncertainty. Stay informed and ready for whatever Keir’s upcoming budget brings by tuning into this crucial discussion.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Join us as we learn the transformative journey of Dr Kaival Patel, founder of the Kana Health Group, in this inspiring episode. Kaival’s story of building a dental dynasty began during his early days as an associate in a collaborative practice where he shaped his vision for creating his own thriving dental empire. Alongside his wife, Shreena, Kaival has expanded beyond the traditional with a teaching academy offering courses in aesthetics, restorative dentistry, and business management, illustrating how education plays a pivotal role in advancing the field of dentistry.
Find out the highs and lows of building a dental dynasty as Kaival shares his bold decision to buy a dental practice without a financial safety net. He highlights the importance of conviction in one’s vision, the need for alignment with the team, and the entrepreneurial energy required to sustain growth through unexpected challenges like COVID-19. Through his experiences, Kaival emphasizes the significance of setting a clear “North Star” for your business and maintaining financial health.
Kaival’s strategic approach to building a dental dynasty extends into the business side of dentistry, focusing on stress testing loans, optimizing expenses, and creative marketing strategies. Learn how financial analysis and partnerships play a crucial role in managing a successful practice. As Kaival continues to grow his dental dynasty, discover how you can connect with the Kana Dental Academy and engage through social media, where he shares valuable insights and welcomes collaboration with fellow professionals and entrepreneurs.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Ready to unlock the secrets of financial empowerment? Join Dr. James Martin, the mastermind behind the Dentists Who Invest podcast as we delve into the often-taboo topic of money in the dental world. Discover how investing better in dentistry plays a vital role in crafting a fulfilling life, and hear Dr. Martin’s inspiring journey from dentist to financial guru. He’s here to equip fellow dentists with the tools needed to boost income and make savvy investment choices, all while challenging societal norms that often villainise money.
This episode will help you reframe money as a constructive tool rather than a controlling force. We’ll explore how traditional dental career paths can be transformed to maximise growth and satisfaction, highlighting unique opportunities for rapid career advancement. Plus, we’ll discuss the importance of creating a work-life rhythm that celebrates achievements now rather than waiting for retirement to enjoy life.
Learn practical strategies for investing better in dentistry and achieving a harmonious lifestyle through investments and professional earnings. From considering a three-day workweek to optimising income streams, we’ll tackle the common fears surrounding income reduction.
Learn how investing in yourself and honing your communication skills can elevate your career while ensuring you enjoy the present. With personal stories and expert insights, we advocate for continuous learning and financial literacy, empowering you to make informed choices and strike the ideal balance between life and work.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Ever wondered how biohacking and wealth are connected? Well, in this episode we will dive into the fascinating world of health optimisation with Dr. Alka Patel, a leading longevity doctor, Nin-Gandhi Patel, a savvy dental business coach, and Dr. Rana Al-Falaki. Together, they unpack the transformative power of biohacking, sharing how simple lifestyle tweaks can outshine traditional medicine. Whether it’s mastering your mindset or making small changes to your day-to-day routine, this conversation is all about equipping you with the knowledge to live your longest, healthiest, and most prosperous life.
Dentists face intense mental health challenges which is often overlooked, but Dr. Alka and Dr. Rana pull back the curtain on the pressures of running a practice, balancing social media demands, and managing burnout. We discuss the importance of self-awareness, building strong support systems, and creating a lifestyle that protects against stress. These insights are invaluable for dental pros looking to shift from the constant hustle to a life of well-being and collaboration.
On the business side, we explore how biohacking and wealth tie into the success of your dental practice. From streamlining operations to boosting team communication, the focus is on creating efficiency before splashing out on marketing. With tips on energy management (forget time management!) and the power of persuasive communication training, this episode is full of actionable advice to help you build a happier, more productive, and profitable practice.
This version focuses on the keyword “biohacking and wealth,” making it a central theme, while delivering the content in a casual, engaging style with practical takeaways.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/how-to-get-the-right-finance-solution-for-your-dream-dental-practice-with-jawad-anjum
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Dreaming of owning your very own dental practice but unsure how to find the right finance solution for dental practice success? Look no further! In this episode, I chat with Mr. Jawad Anjum, the brilliant founder and managing director of Stanford Finance, who’s got over 20 years of experience in commercial corporate banking and has firsthand experience as a dental practice owner. Jawad spills the beans on everything from picking specialised solicitors to navigating the technical side of dental equipment—giving you the tools to tackle the tricky financial landscape of the dental world.
We break down the difference between associate-led and principal-led practices, touching on crucial factors like UDA rates, wage bills, and staffing efficiency. Jawad also shares how regional dynamics affect valuations, making it easier for you to pick the right finance solution for dental practice growth. Whether you’re buying your first practice or expanding your empire, we’ve got you covered with insights on NHS contracts, geography, and potential growth opportunities.
Thinking of growing or starting your practice? We talk about all the key steps—from evaluating community demand to choosing the perfect finance solution for dental practice success. Jawad dishes out his tried-and-true tips on interest rates, asset financing, and repayment strategies to help you master the financial side of things. This episode is your go-to guide for turning your dental practice dreams into reality—don’t miss it!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Ever wondered what it takes to land the perfect spot for a dental practice location? You’re in luck! In this episode, I sit down with Steve Kettle from Clover Dental Fit Out to reveal the insider secrets of property selection. Steve’s got years of experience under his belt, and he shares tips on key decisions like choosing between freehold or leasehold, understanding demographics, and finding those high-footfall areas near coffee shops and supermarkets. Plus, we dive into why good parking and the rise of practices in commercial office spaces can make or break your ideal dental practice location.
But that’s just the start. We also talk lease negotiations—think longer terms with break clauses, getting your rent deposit back after three years, and securing rent-free periods to cover setup and CQC approval. Steve and I get into the nitty-gritty of feasibility checks and competitor analysis to help you ensure that your dental practice location is a winner from day one.
We’ll also guide you through the essential steps of setting up a practice from scratch, from choosing the perfect visible dental practice location to planning for equipment, fit-out, and marketing strategies. Steve’s tips on picking experienced contractors and planning for cash flow during those crucial early months will give you a head start. Looking ahead to 2025, we stress the importance of forward planning to ensure your practice thrives. Don’t miss out—this episode is packed with expert advice to help you launch and grow a successful practice!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Think mastering modern accounting software could boost your dental practice’s profitability? You’re absolutely right! In this episode, I chat with Arun Sachdev, a specialist accountant for dentists, who shares his top financial planning hacks. We’ll dive into why ditching old-school accounting methods and switching to tools like Xero, QuickBooks, and FreeAgent can keep you on top of real-time financial data. Arun’s got loads of tips on financial monitoring, tax planning, and how having a dedicated accountant or bookkeeper can ensure your practice keeps growing strong.
Struggling with business partnerships in your dental practice? Arun’s got you covered! We discuss how smart financial planning, clear roles, and leveraging everyone’s strengths can help keep that cash flowing nicely. Drawing from principles in “The E-Myth,” we chat about the habits of successful dentists and why structured systems make all the difference between thriving and just surviving.
And it’s not all about the business – we’ll get into personal finance too. Arun shares a story about an associate dentist facing tax issues and gives practical advice on how to stay financially accountable. He’ll also shed light on why tracking expenses with the right financial tools is essential, and how social media’s flashy portrayal of wealth isn’t all it seems. Don’t miss out – tune in for some brilliant insights and learn how a free initial consultation with Arun could help you nail your financial planning strategy!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Wondering if rising interest rates are throwing a wrench in your plans to buy a dental practice? No need to fret because we’ve got you sorted! In this episode, financial expert Kevin Saunders breaks down the latest shifts in the dental practice market, giving you a clear snapshot of what’s going on. Kevin walks us through how fluctuations in the market, along with interest rate changes, are shaping the decisions of associates and explains why locking in a fixed-rate loan could be your golden ticket to financial stability.
Kevin’s got the inside track on how banks are still backing dentists with cracking lending options, even when the economy’s on shaky ground. Whether you’re already running a practice or still dreaming about it, his tips for navigating the dental practice market will give you the confidence to make smart moves. Don’t miss out on this eye-opening chat – it’s packed with the insights you need to thrive in today’s fast-changing dental practice market.
The description uses the keyword “dental practice market” effectively while keeping the tone conversational and engaging with a sprinkle of British slang.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Do you feel like your business is gobbling up all your time? No worries, mate – we’ve got just the fix! In this episode, I chat with business coach Chris Brown to get the lowdown on time management, specifically for dentists. Chris spills the beans on how you can take back control of your time, thanks to his brilliant six-step process. Whether you want more time for your family or simply need a breather, this episode’s packed with practical advice to help you strike that perfect work-life balance.
We’ll dig deep into how dentists can use time management to scale their businesses. Chris explains why defining your Unique Selling Proposition (USP) is crucial and why a solid marketing plan is non-negotiable. We chat about improving conversion rates, systemising your operations, and why ditching discounts could actually boost your business. And don’t miss the bit where Chris shares the secret sauce for training your team to go above and beyond – trust me, it’s golden.
Prioritising high-leverage tasks is the real game-changer when it comes to time management. Chris lays out a roadmap for freeing up your schedule, so you can focus on growth. And if you’ve ever struggled with taking feedback on the chin, this one’s for you! Accountability and continuous improvement are key, and Chris gives us some top tips to nail it.
Oh, and before I forget – Chris is offering a cheeky free 60-minute coaching session to help you get a leg up on your personal and professional development. Pop him a message at chrisbrown@actioncoach.co.uk and get ready to take back your time!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Looking to crack the code on running a standout dental practice? You’re in for a treat! In this episode, I sit down with Dr. Bobby Bhandal, a brilliant dentist and practice owner from Leamington Spa. From his early days at the University of Birmingham to owning a thriving private practice, Bobby’s story is packed with insights on how content creation and community engagement can take your practice to new heights. He shares how investing in yourself and your business can boost cash flow and set you on the path to success.
We’ll dig into crafting unforgettable patient experiences using targeted marketing. Bobby reveals how understanding your ideal patient and using high-quality video content can help your dental practice build strong connections. Plus, we chat about the power of having a stellar team, offering world-class customer service, and using secret shoppers to spot service gaps. These tips will help your practice shine in a competitive market with top-notch patient experiences.
Collecting patient feedback is essential for growth. We’ll dive into effective methods, like online reviews and Net Promoter Score (NPS) surveys, to improve your dental practice. Bobby shares his strategies for gathering glowing reviews, boosting SEO, and handling negative feedback like a pro. We’ll also touch on common traps to avoid, like choosing reliable builders and using feedback platforms smartly. This episode is loaded with actionable advice to help you level up your dental practice!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Need to review your Income Protection?Connect with Warren here: https://www.dentistswhoinvest.com/income-protection/
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport———————————————————————Ready to get clued up on securing your financial future? Join us as we sit down with Warren Robins to chat about picking the top income protection provider for dentists. This episode is a goldmine of insights on how to set up your policy for the best coverage and bang for your buck. Warren dives into why income protection can often offer more thorough cover compared to critical illness policies, especially for mental health and musculoskeletal conditions that tend to get overlooked.
We’ll cover the nitty-gritty of income protection insurance, from the deferred period and its big impact on premium costs to the differences between level guaranteed premiums and age-costed policies. Warren will clear up how waiting periods—from immediate cover to a long 24 months—can change the financial game for your policy. By the end of this episode, you’ll know how to make savvy choices for long-term financial stability.
Plus, we’ll explore lifetime income protection policies and how to make the most of them. Warren highlights the importance of considering extended policy terms and having a chat with a financial planner. We’ll also touch on future needs like funding your kids’ education and the tax perks of paying for policies through a limited company. Tune in for a packed episode full of expert advice designed just for professionals like you!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Ever fancied how social media can boost your dental practice? In this episode, we chat with Dr Fahad Khan, who’s turned his online stardom into a proper thriving dental practice through savvy dental practice marketing. He spills the beans on how a little break from the norm led to unexpected content creation, ultimately shaping a unique path in the dental world.
Fahad shares how dental practice marketing helped him crack the code for patient acquisition, from unexpected referral sources to front-of-house tactics. He’s all about getting the team involved in content creation, making the practice feel right at home for patients. And if you’re looking to navigate the CQC process or build your brand, Fahad’s got you covered with some top-notch tips.
Ready to dive into the power of dental practice marketing? Tune in and find out how Fahad’s journey can inspire your own practice growth!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
Do your mortgages repayments feel high?
Connect with Sarah here: https://www.dentistswhoinvest.com/sarah-grace-mortgages/
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Wondering if you’ve got enough dosh to nab that dream mortgage? In this episode of the Dentists Who Invest Podcast, mortgage guru Sarah Grace breaks down the mortgage approval process like a pro. She shares top-notch advice on how lenders check your financials, helping you understand the difference between profits and turnover—crucial for anyone navigating the mortgage approval process.
Sarah digs into how tax-deductible expenses and pensions can impact your borrowing power. Whether you’re a sole trader or running a limited company, she’s got the lowdown on making the mortgage approval process work in your favour. Tune in for practical tips to help you secure the mortgage you’ve been eyeing.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————What really defines the value of money? Is it all about the gold standard or is it just what we collectively believe? In this episode, we’re taking you on a mind-bending journey to rethink everything you know about the value of money. We’ll start by breaking down its three core roles: unit of account, means of exchange, and store of value. Plus, we’ll bust some myths around gold’s worth, diving into both its physical properties and the societal beliefs that have kept it valuable for centuries.
Hop back in time to the 1600s and discover how modern banking kicked off with William Patterson’s game-changing idea. This revolutionary moment not only rebuilt the English Navy but also shifted us from gold to paper money, shaping the financial world as we know it. We’ll also explore the early barter systems and the evolution of commodity money that paved the way for today’s complicated financial systems.
Once you grasp the fluid nature of the value of money, your financial strategies will shift too. We’ll dive into how societal beliefs shape the value of money, and how you can better navigate today’s financial landscape. Learn the role central banks play and pick up some smart, income-boosting tips. By tapping into the knowledge of high-earners and continually learning, you can protect yourself against financial uncertainties. Don’t miss this eye-opening chat that’ll leave you thinking about the value of money in a whole new way!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————What if mastering dental implants could transform your practice into a thriving business? Join us as we chat with Dr. Nikhil Oberai, a distinguished expert in dental implants who reveals the secrets behind his decade-long success in managing private implant practices in Cheshire. Dr. Oberai shares his profound journey highlighting the delicate balance between business acumen and clinical expertise needed to excel in Northwich and Wilmslow. Hear how his commitment to staying ahead of dental advancements and his active role in dental education have shaped his renowned dental implants practice.
Transitioning from an associate to a practice owner is no small feat, but Dr. Oberai’s story is a testament to the power of perseverance and smart risk-taking. He recounts the initial struggles, from marketing challenges to the financial risks of acquiring a private practice. Learn from his experiences on focusing on profitable services like dental implants and the strategies that led to significant growth in turnover and a strong referral base. This episode serves as a blueprint for any aspiring dental entrepreneur looking to navigate the complex journey of practice ownership.
Effective patient education and embracing technology are pivotal in today’s dental practice and Dr. Oberai offers invaluable insights on both fronts. Learn how consistent communication and collaborative teamwork can enhance patient experience and treatment outcomes. Dr. Oberai also shares innovative approaches, such as using WhatsApp for patient interactions, which have revolutionised patient care in his dental implants practices. Tune in to understand the impact of educating patients over merely selling treatments and how this approach fosters trust, engagement, and satisfaction in your dental implants practice.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Have wondered why marketing in dentistry sometimes gets a bad rap in the UK? Join Dr. Ferhan Ahmed and marketing PRO John Williamson as they unravel this enigma and reveal the true potential of savvy marketing in dentistry strategies for dental practices. Dr. Ahmed’s own journey shows how embracing marketing in dentistry not only honed his dental skills but also brought a steady stream of patients. Meanwhile, John encourages us to think creatively, focusing on customer experiences that could even rival Disney’s. Together, they delve into how personal and professional branding can supercharge growth and success in dental practices.
Learn the magic of Pareto’s Law and how zeroing in on the top 20% of efforts can deliver 80% of the results, taking your practice from good to exceptional. Dr. Ahmed and John also shed light on targeting high-value patients and how this can lead to rapid, cost-effective growth. They’ll share tips on optimising your marketing in dentistry and customer management strategies, giving your practice a serious boost.
Referrals are vital for any flourishing dental practice and our guests dive deep into tactics for generating them. Learn how focusing on high-value services and utilising Net Promoter Score (NPS) can turn happy patients into loyal customers. Dr. Ahmed reveals how multiple full arch reconstructions significantly boosted income at his clinic. Lastly, we explore the “Five Community” initiative aimed at equipping dentists with modern management tools and a growth-focused mindset. Tune in to find out how a CEO mindset can elevate your practice and help you master marketing in dentistry for long-term success.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to generating quick income through smart investing with our latest episode. Ever thought of why some financial assets line your pockets every month, while others take a long time to pay off? We'll break down the key differences between capital appreciation and cash flow, showing you which assets work best for your short-term income needs. I'll guide you on what generates faster returns, whether it's investing in lifestyle assets like your home, which can increase in value over time, or exploring cash flow assets.
We’ll also have a gander at growth assets like stocks and bonds, explaining why reinvesting dividends is a proper game-changer for your long-term financial plans. You’ll get the lowdown on how compounding can boost your returns over time, but also why these assets usually need decades to fully mature. If waiting 20 to 30 years isn’t your cup of tea, we’ll explore quicker alternatives within the financial assets space.
Finally, we’ll explore the exciting world of business assets. Whether you’re a dentist looking to invest in your practice or an entrepreneur, we’ll show you how business ventures can offer both cash flow and capital appreciation. With some cracking tips on improving your business skills and aligning your investing strategy with your goals, this guide to financial assets will help you maximise your income without all the faff.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Keen to master the art of international money transfers? Join us as Harrison Sharp from Privalgo lifts the lid on making cross-border transactions smooth and hassle-free. From his early days in the hospitality industry in the south of France to his key role in London’s fintech world, Harrison’s journey is a prime example of how customer-focused service can make all the difference. Discover how blending traditional banking with cutting-edge digital solutions can make sending money abroad a doddle. We’ll also tackle your questions from our Facebook group, exploring how digital wallets and mobile banks are revolutionising global money transfers.
We’ll break down the differences between traditional banks and Electronic Money Institutions (EMIs), showcasing Privalgo Limited’s unique approach to client security and top-notch service. Harrison will share real-life stories, including a tricky cross-border payment issue in Dubai, highlighting why reliable international payment solutions are essential. We’ll also discuss the potential pitfalls of relying solely on digital-only banks for large transactions and how alternative digital banks can offer a smoother process. Tune in to find out how fintech advancements are transforming the way we handle international transactions, making them quicker and more efficient.
Send us a text
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Struggling to fill your appointment book? Join us as we crack the code on attracting more patients to your dental practice with marketing whizzes Joe and Myran from Clix Dental. They’ve taken the leap from general marketing to becoming specialists in the dental game, and they’re here to share pearls of wisdom from their hands-on experience in dental practices. You'll learn how to convert potential clients into loyal patients and deal with the particular difficulties that come with it, regardless of how long you've been in business or how new your clinic is.
We'll also dive into the magic of on-camera presence, showing how it can revolutionise patient interactions and strengthen your brand. Discover practical fixes for common problems like empty waiting rooms and no-shows, including the smart use of targeted ads and irresistible offers. Don't miss out on your reception team's crucial role in setting the tone for patient relationships—think empathetic communication, building trust, and ensuring everything runs smoothly from the first call to the final treatment plan. Tune in for a chat full of actionable strategies to supercharge your dental practice's growth and keep those patients returning.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a text
You can get the new book "Our Future Is Biotech" by Andrew Craig here: https://amzn.to/3AAeiCm
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Ever wondered if a robot could nail your dental filling? In this episode, we dive into the cutting-edge realm of biotechnology and its game-changing effects on dentistry. Andrew joins us to unpack insights from his latest book, defining biotech and comparing it with medtech. We chat about the groundbreaking debut of the first-ever robotic dental filling and its potential impact on dental pros and the future of oral care.
We then take a whirlwind tour of the biotech revolution, from ancient selective breeding to today’s gene-editing marvels like CRISPR. Hear how these advances could address important environmental and human concerns, such as healing diseases and restoring ecosystems. We explore the dramatic advances in genetic sequencing and the vital role of global scientific teamwork in pushing these breakthroughs forward.
But that’s not all! We’ll explore how biotech might shake up industries beyond medicine. Imagine a world where cultured meat and lab-grown seafood transform farming and fishing, leading to significant ecological recovery. We also delve into the concept of the technological singularity and where biotech companies might be headed, drawing parallels with the rapid rise of tech giants. Tune in for an episode brimming with visionary ideas and expert insights that could change the game.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a Text Message.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Ever thought about how you’d plan your finances if you knew you might live to 103? We’re having a good natter about just that, inspired by ‘The 100-Year Life’ by Linda Gratton and Andrew Scott. Jon Doyle’s got some eye-opening thoughts on how the idea that kids born in 2007 might live that long has completely changed the way he advises on long-term financial plans. We’ll also have a chinwag about how your own family history and life experiences can shape what you expect from retirement—especially if you’ve got a bit more dosh than most.
We’ll then shift gears to chat about how adolescence now drags on into the late 20s or early 30s, and how that’s making the usual milestones like marriage, buying a home, and retiring a bit of a squeeze. With everything getting a bit more complicated, we’re talking about why it’s time for a more flexible approach to financial planning.
And here’s the kicker—we’re questioning that old idea of retiring at 60. If you’re a dentist, or any other professional, staying active with phased retirement might just be the ticket. So, grab a cuppa and join us for a lively chat that mixes financial sense with the art of living well, sprinkled with a bit of wisdom from ancient thinkers and modern gurus.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a Text Message.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Can you picture yourself securing your financial future through property investment? Join us in this cracking episode as we chat with Rob Bridgewater, who’s gone from dental sales to building a serious property empire. Rob bought his first place at 19 and has since mastered the art of buying, refurbing, refinancing, and renting to create long-term wealth.
We dive into the nitty-gritty of securing finance, whether you’re eyeing a buy-to-let or your own home. Rob shares golden tips on dealing with today’s high-interest rates and the tighter lending scene. He’ll also let you in on the secrets of buying at the right price and why knowing the ins and outs of bank rules, like the six-month refinancing trick, is key.
If you’re a high earner or a dentist keen on growing your property portfolio and keeping the taxman at bay, this episode’s packed with advanced strategies. From setting up a company for tax breaks to clever ways of securing deposits, Rob’s got you sorted. We also explore how to make the most of short-term loans and smart finance options for your next big move. Don’t miss these top tips to level up your property game!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a Text Message.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever wondered how perseverance can lead to unexpected success? Join us as we chat with Dr. Ahmed Giaziri, who shares his remarkable journey from his Libyan roots to owning nine dental practices in the UK. Dr. Giaziri takes us through his unexpected entry into the world of dentistry, initially aspiring to be a paramedic, and how his relentless work ethic helped him navigate the challenges of the early stages of his career. His story will inspire you to keep pushing forward, even when the path isn’t clear.
Discover the highs and lows of practice ownership as Dr. Giaziri opens up about acquiring his first dental practice and the severe setback he faced in 2015. A malicious complaint led to a failed CQC inspection and the temporary closure of his practice, but with support from Denplan, he turned things around. This part of our conversation emphasizes the importance of proper management and how critical support networks can be in overcoming difficult times.
In the final segment, we explore the intricacies of growing a dental practice portfolio. Dr. Giaziri shares the strategic decisions behind expanding his practices, the financial acumen required, and the operational challenges of scaling up. He also highlights the importance of mentoring young associates and maintaining a work-life balance. This episode is packed with insights on resilience, strategic growth, and the collaborative spirit of the dental industry. Don’t miss out on the valuable lessons Dr. Giaziri has to offer!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a Text Message.
Do your mortgages repayments feel high?
Connect with Sarah here: https://www.dentistswhoinvest.com/sarah-grace-mortgages/
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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How can dentists leverage their unique financial profiles to secure the best mortgage rates? Join us for an eye-opening discussion with mortgage expert Sarah Grace as we dissect the current mortgage market. We'll guide you through the implications of recent interest rate trends, including the potential reduction in the Bank of England base rate and its impact on making fixed-rate mortgages more enticing. Sarah Grace opens up about the fluctuating mortgage demand and anticipates exciting possibilities on the horizon, driven by potential government initiatives aimed at boosting housing supply.
Dentists, this one’s for you! Learn the ins and outs of securing lending tailored specifically for your profession. Sarah shares her expert insights on how turnover and projections can influence mortgage approvals, emphasizing the benefits of focusing on recent pay schedules over long-term profit histories. We also illuminate a success story that underscores the significance of understanding average profits before corporation tax, advising listeners on the importance of staying informed and seeking tailored financial advice.
For those curious about buy-to-let investments or navigating their first home purchase, this episode is packed with valuable information. We delve into the tax considerations for buy-to-let properties, comparing the advantages and drawbacks of using a Special Purpose Vehicle (SPV) versus a personal mortgage. We also address listener questions on buying second homes, leveraging lifetime ISAs, and securing mortgage rates in advance. Don’t miss out on the practical advice and real-world examples that could make a significant difference in your financial planning journey!
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a Text Message.
Want to understand how to become as tax efficient as possible?
Connect with Johnny here: https://www.dentistswhoinvest.com/reducing-tax-bill/
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever wondered what truly qualifies as a tax-deductible expense for your dental practice? Join us for an eye-opening episode where we demystify this complex topic with the expertise of Johnny Binford, a seasoned accountant specializing in dental taxation. Gain clarity on whether home offices, luxury items like Rolex watches, or even a duck house in a pond can be claimed as business expenses. Johnny walks us through the "wholly and exclusively" rule in UK tax law, using fascinating real-life examples such as Malala Andromit's unique case on court attire.
Navigate the intricate landscape of dental practice taxation as we dissect the nuances between taxable and tax-deductible expenses. Learn the importance of proportionality when claiming home office deductions and understand the potential pitfalls, including capital gains tax implications. We'll also shed light on a maxillofacial surgeon's failed claims for educational and travel expenses, highlighting the critical need for understanding established tax principles to avoid costly errors.
From common deductions like GDC fees, professional courses, and motor expenses to more unique business-related purchases like art and entertainment, this episode is packed with actionable insights. We discuss the tax benefits of electric cars, the intricacies of claiming mobile phone usage, and the differences in tax advantages between limited companies and sole traders. Finally, get practical advice on optimizing your deductions while staying compliant, ensuring you make informed financial decisions for your dental practice. Don't miss our final segment on how to get in touch with Johnny Binford for personalized advice and consultation.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a Text Message.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Ready to gain a comprehensive understanding of practice mortgages and practice finance? Join us as we sit down with David Parker, a seasoned consultant in the dental healthcare sector, who will enlighten us on the crucial differences between these two avenues for acquiring dental practices. Discover how practice finance typically involves unsecured business loans based on the practice's goodwill, while practice mortgages are secured loans tied directly to the property. We unravel the complexities of secured versus unsecured loans, exploring the key risks, collateral requirements, and how lenders' perceptions differ between these financial instruments.
In this episode, we also tackle the practical aspects of acquiring a dental practice through various financial strategies. From required deposits, interest rates, and loan-to-value ratios, to the significance of consulting with a broker, David shares indispensable advice for navigating this intricate process. Learn strategies to leverage other assets such as residential or investment properties to overcome deposit shortfalls, and understand the importance of thorough preparation to ensure a smooth transition from offer acceptance to completion. This is a must-listen for any dental professional looking to acquire a practice or anyone fascinated by the financial intricacies involved in this sector.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Send us a Text Message.
Need to review your Income Protection?Connect with Warren here: https://www.dentistswhoinvest.com/income-protection/
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport———————————————————————
Are you paying too much for your income protection insurance? Join us as Warren Robins returns to unpack the hidden costs and strategies dentists can use to reduce their premiums. From understanding the power of compounding costs to making informed decisions between fixed and variable premiums, we lay out actionable steps that can save you money in the long run. We'll draw comparisons to everyday expenses like mobile phone contracts, highlighting how small annual increases can accumulate into significant financial burdens.
Discover the critical differences between personal and executive income protection policies and why timely policy reviews are essential. Warren shares a compelling case of a local dentist navigating insurance options amidst a pre-existing medical condition, showcasing the importance of securing better terms while you're still healthy. For business owners, we break down the tax efficiencies of executive income protection policies and the financial benefits of covering P11D benefits, national insurance, and pension contributions through your business.
Don't miss out on understanding the complexities of income protection policies. Learn about the challenges of evaluating different insurers and the potential pitfalls of low initial premiums. With real-world examples and expert advice, this episode is packed with insights that will help you avoid financial strain and ensure comprehensive coverage. Tune in to master the art of cost-effective income protection for your dental practice!
Send us a Text Message.
For more questions/inquirues, feel free to reach out Mike Bryan here: http://www.humph.co.uk
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secrets to navigating the complex tax landscape for dentists with insights from Mike Bryan, a leading accountant specializing in dental practices. In this episode, we promise to demystify the advantages and pitfalls of operating as a limited company versus a sole trader, especially in light of recent tax changes. Mike takes us on a journey through the history of limited companies in dentistry, starting with the 2006 government decision that initially provided tax benefits, to the more recent changes in dividend and corporation tax that have shifted the financial advantages.
Through real-life scenarios and practical advice, we explore how significant life events, such as purchasing a home or supporting a family, can influence your financial decisions as a dental professional. Discover when incorporation might be beneficial, like leveraging a lower-earning spouse or investing in electric vehicles and property. Learn the importance of regular financial reassessments and how increased private pension contributions could be a game-changer for sole traders. Tune in for a thoughtful discussion that underscores the dynamic nature of career trajectories and financial needs in the dental profession.
Send us a Text Message.
Want to understand how to become as tax efficient as possible?
Connect with Johnny here: https://www.dentistswhoinvest.com/reducing-tax-bill/
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Explore the complexities of the UK's evolving financial landscape for dentists under the newly elected Labour government with our esteemed guest, Johnny Minford, a veteran in dental accounting. We unravel the potential shifts in income tax, NHS dentistry, pensions, and broader tax matters that could significantly impact your practice and personal finances. With Johnny's expertise, we aim to provide clarity amidst the uncertainties and ensure that you stay ahead of the curve.
What does the future hold for capital gains tax and corporation tax, and how will these changes influence your business restructuring and retirement planning? Join us as we navigate the possible budget announcements and their timelines, offering strategic insights to help you make informed business decisions. Johnny also shares his take on the stability of corporation tax, capital allowances, and the broader economic impacts on sectors including agriculture and dentistry, ensuring you grasp the full picture.
We also tackle the perennial issue of access to NHS dentists and its financial implications. Johnny lends his extensive knowledge to broader tax concerns, emphasizing the importance of synergy between practice owners and associates for mutual benefit. To wrap up, we discuss effective strategies for managing wealth within your dental practice, and highlight the Dentists Who Invest community—your go-to resource for achieving financial freedom. Don't miss our upcoming webinar on mortgages, packed with tips to further empower your financial journey!
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ready to learn how to create a high-performance dental practice? Tune in as we sit down with Dr Ajay Verma, who transformed an old-school NHS dental practice into a modern, mixed practice brimming with success. Dr Verma shares his strategic insights and the importance of stepping outside comfort zones to achieve growth and profitability. He also discusses the challenges of changing established cultures within NHS practices and how he tactfully navigated these dynamics to realize his vision.
Discover how effective delegation and team development can elevate your dental practice. Dr Verma explains why stepping out of clinical time to focus on business management is crucial and how trusting team members with responsibilities can enhance both patient care and staff satisfaction. Learn from practical examples, such as specialized training for dental implants and clear aligners, which highlight the growth and contribution of team members to the overall success of the practice.
Explore the cutting-edge technologies and mentorship strategies that are revolutionizing the dental industry. Dr Verma illustrates the transformative impact of AI-driven software and CRM systems on practice management, and how these technologies can streamline tasks and measure performance effectively. The conversation also emphasizes the invaluable role of mentorship in reducing the learning curve and improving efficiency. By embracing change and technological advancements, you'll discover the exciting possibilities of creating a unique, high-performance dental practice poised for future expansion.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Curious about the financial opportunities and lifestyle differences between the UK and Dubai for dentists? In our latest episode of the Dentists Who Invest podcast, we promise to provide you with a thorough understanding of relocating to Dubai, featuring insights from Jeri Williams of Smooth Accounting. Jeri, who has firsthand experience of living and working in Dubai, shares invaluable advice on setting up businesses and managing finances in this vibrant city. Learn about the dynamic business environment that Dubai offers and how it compares to the UK's landscape, especially for dentists considering such a move.
Moving to Dubai is not just about packing your bags; it involves understanding the visa landscape. We break down the entire process of obtaining a Dubai resident visa, clarifying the differences between tourist and employee visas. Through engaging personal stories, Jeri explains how setting up a business and self-employment can be strategic ways to secure residency. We also delve into the various visa types, including the coveted golden visa, and discuss the practical aspects of visa renewals and maintaining a business account in Dubai.
Corporate taxation can be a maze, but we simplify it for you by explaining the 9% tax on profits over 375,000 dirhams and the rules around salary payments. We tackle the complexities of transferring a UK-based company to the UAE, emphasizing the need for professional advice tailored to individual circumstances. This episode is packed with essential tips on management charges, transfer pricing agreements, and the additional costs of doing business in the UAE, with specific considerations for dentists. If you're contemplating a move to Dubai, this episode serves as your comprehensive guide to navigating the financial and practical elements involved.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to balancing profitability and patient care in implant dentistry with Dr. Pav Khaira. Discover how prioritizing patient outcomes can naturally lead to financial success, as Dr. Khaira emphasizes the importance of continuous learning and skill enhancement. Throughout this episode, you'll gain insights into how a patient-centric approach, coupled with curiosity and the analysis of both successes and failures, can enhance both your practice’s bottom line and the quality of care you provide.
Communication is key in every aspect of dentistry. Dr. Khaira shares valuable strategies for mastering both hard and soft skills, emphasizing the impact of effective communication on practice efficiency and patient satisfaction. Learn how to optimize appointment times, offer discounts for multiple procedures, and ensure a seamless patient journey from consultation to treatment. This episode also covers critical moments that shape a clinician's approach, offering inspiration and guidance for professionals at any stage of their careers.
Enhance your dental practice with advanced techniques and a cohesive team. Dr. Khaira discusses the benefits of providing additional services like sedation and Platelet-Rich Fibrin (PRF) therapy, and debunks prevalent myths about implant placements. Understand the importance of maintaining quality while ensuring profitability through efficient techniques and streamlined procedures. Tune in to uncover Dr. Khaira's process for patient consultations, the necessity of competitive pricing, and ways to connect with him for further learning and training opportunities.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Ever wonder what it takes to achieve true time freedom and happiness? Join us as we uncover the secrets of mindset coach Tom Fortes-Mayer, who has mastered the art of balancing professional success with personal fulfillment. Tom reveals his transformative journey from working tirelessly to selectively engaging with high-impact clients, which has freed him to write, create, and spend precious moments with his children. He emphasizes that true joy comes from within, not from external accomplishments—a lesson that can fundamentally change how we perceive success.
Imagine life as a chess game where each move shapes your path to success and fulfillment. We explore this metaphor to discuss the importance of facing challenges and the concept of working smarter, not harder. Through compelling stories and practical insights, we illustrate how prioritizing relationships and self-care can lead to a richer, more balanced life. This isn't just about avoiding burnout; it's about making conscious choices that ensure neither your career nor your happiness is sacrificed.
In our final segments, we dive deep into the power of personal development and healing. Tom shares how addressing unresolved emotional baggage can clear mental clutter and boost overall well-being. We discuss how arrogance often hides insecurity and how recognizing these traits can help build a positive culture around you. By mastering your inner game and focusing on personal growth, you not only enhance your professional success but also cultivate a more fulfilling, balanced life. Don't miss this profound conversation on transforming both your inner and outer worlds for true, lasting success.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets of successful practice finance in the dental industry with insights from Jawad Anjum, the CEO and founder of Stanford Finance, who also owns several dental practices. In this episode, we explore the shifting market trends of 2023 and 2024, where a new preference for opening practices is emerging over acquiring existing ones. Jawad provides an in-depth analysis of the benefits and drawbacks of each route, including initial costs and potential profitability, while stressing the importance of aligning financial decisions with personal goals and preferences.
Additionally, we debunk the myths surrounding direct finance versus using brokers for income protection and practice finance. Learn how brokers can often negotiate better deals due to their established relationships with lenders and understand the nuanced advantages of independent brokers versus in-house finance brokers. We also highlight the necessity of choosing a broker you trust to prioritize your interests. Finally, we emphasize the significance of maintaining an accessible online presence to ensure smooth customer interactions. Don't miss this episode packed with valuable advice for making informed financial choices in the dental industry.
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Want to know if you are already retired?Connect with Anick here: https://www.dentistswhoinvest.com/retirement-plan/
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport———————————————————————
Unlock the secrets to a secure and fulfilling retirement by tuning into our enlightening episode on financial freedom and retirement planning. We promise you'll gain invaluable insights into cash flow planning, understanding liquid assets, and building a detailed balance sheet, all illustrated through a compelling case study of Adam and Aisha, a dental practice owner and her husband. With my co-host, Anick Sharma, a seasoned financial planner, we explore the emotional transformation that comes with realizing financial freedom, offering you actionable strategies to map out your path to a worry-free retirement.
Ever wondered how to navigate the intricate process of selling a dental practice while securing your financial future? Anick and I delve into the critical aspects of this journey, emphasizing the power of setting clear financial targets and leveraging cash flow models to make informed decisions. From mitigating business risks by transitioning value to personal assets to adjusting your financial plan in response to unexpected changes, we provide a comprehensive roadmap to ensure you maintain your desired lifestyle, even in unpredictable times.
Lastly, we challenge the traditional retirement timeline, advocating for early retirement planning to enjoy life's pleasures while you're still physically able. Discover how conservative investment assumptions and a holistic financial perspective can help you achieve financial freedom without depending solely on business or property assets. Anick shares his experiences with clients who reached financial independence through pensions and ISAs, shedding light on the FIRE movement and the unique opportunities for dentists to boost their income. Get ready for a thought-provoking discussion that will inspire you to rethink retirement and take charge of your financial destiny!
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Can you imagine savoring the present moment while still pushing forward in your career? Property investment expert Dr. Jassy Sidhu, who has achieved remarkable milestones by the age of 37, joins us to share his innovative approach to balancing work and leisure through mini-retirements. He emphasizes the importance of valuing health over wealth, drawing inspiration from the perspectives of Jimmy Carr and Stephen Barnett. This episode is packed with wisdom on how to enjoy life now while building towards financial freedom, demonstrating that it's a continuum rather than a final destination.
We also discuss Jassy's bold shift from residential to commercial property investments, highlighting the benefits of pursuing larger deals that bring higher returns with similar effort. Jassy takes us through his current project of converting a pub into a 17-bedroom HMO and shares key lessons from a missed opportunity with a 23-bedroom HMO. We break down essential metrics for evaluating bigger deals and the strategy of pulling out initial investments to keep funds circulating, ensuring continuous growth in the property market.
In the final segment, we delve into the power of learning from mistakes and the inspiration drawn from the systemization of McDonald's kitchen layout as seen in "The Founder." Practical tips such as using checklists to manage busy schedules and maximizing space efficiency in real estate development are discussed. Personal anecdotes from both hosts and Jassy underscore the importance of sharing knowledge and motivating others on their journeys. Connect with Jassy on Instagram for more exclusive property investment insights and take the first step towards your financial freedom.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Can risk-taking truly transform your professional and personal life? Discover how Aaron Sakdev, a specialist accountant for dentists, leveraged calculated risks to propel his business to new heights. In this episode, Aaron takes us through the inspiring journey of his family's firm, Satchchebs Chartered Accountants, tracing its evolution from local VAT returns to a niche in dental accounting. Hear about the pivotal moments and strategic moves, including their serendipitous presence next to Dr. Bob Khanna at the Dentistry Show, which significantly boosted their client base.
Aaron shares the trials and tribulations of managing a dilapidated building lease, a saga filled with legal battles, financial stress, and even abusive letters. The story takes a dramatic turn at a client event in Dubai, where a candid conversation with his biggest client sparked a decisive action. With the support of his father-in-law's construction skills, Aaron transformed the run-down property into a state-of-the-art accountancy practice, complete with a barbershop and residential flats. It's a compelling narrative about the rewards of perseverance and the courage to push beyond conventional business practices.
Finally, we explore the delicate balance between risk, opportunity, and sound financial planning. Aaron offers invaluable insights into aligning business decisions with broader life goals, using real-life examples to underscore the importance of honest self-assessment. From advising clients on tax-saving strategies to cautioning associates about the realities of becoming principals, Aaron emphasizes the need for personalized approaches in both professional and personal contexts. This episode is a treasure trove of wisdom for anyone looking to achieve a harmonious blend of professional success and personal fulfillment.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————What if mastering the art of sales could significantly enhance your financial success and improve your work-life balance? Discover the transformative power of effective communication in the latest episode where we challenge the common negative perceptions of sales, especially in the UK, and contrast them with the pragmatic American approach. By distinguishing the value of a product from the salesperson's approach, we reveal how effective description and communication of a product’s or service’s worth can reshape client perceptions and enhance professional success. Learn why, for professionals like dentists, articulating the value of their services is just as important as delivering high-quality care.
Explore the critical importance of communicating value in clinical dentistry and how it can lead to greater financial success. We discuss strategies for balancing professional expertise with the ability to effectively convey benefits to patients, ensuring services are fairly valued without overpromising. Dive into sustainable methods for maintaining or increasing income while reducing workdays, achieving a better work-life balance. We also delve into short-term financial strategies that can drastically improve your quality of life, offering actionable steps to enhance your income today, reduce stress, and provide more free time for family, charitable work, or simply relaxation. Tune in to learn how effective communication and strategic financial planning can lead to immediate and long-term satisfaction.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to financial success and personal fulfillment as we engage in a dynamic conversation with James, the visionary behind Dentists Who Invest. How does the right mindset turn everyday challenges into stepping stones for wealth and well-being? We promise you'll come away with actionable insights on income generation and optimizing your financial strategies, all through the lens of a positive, forward-thinking mindset. By examining various career paths, we reveal how adopting a growth-oriented mindset can shape opportunities and outcomes in surprising ways.
James takes us on an inspiring journey from his clinical dentistry days to a life brimming with diverse experiences and greater satisfaction. Imagine making life decisions based on the wisdom of your 85-year-old self—James shows us how this transformative perspective can guide us toward long-term fulfillment. Discover how Dentistry Invest empowers dentists to master investment strategies and boost their income. Plus, learn how powerful partnerships and collaborations can exponentially enhance your results by combining expertise and vision.
In this episode, we also delve into the transformative power of mentorship and delegation. You'll hear compelling stories of how auditing beliefs and tapping into the wisdom of mentors can dramatically accelerate your growth. We highlight how shifting from busyness to productivity, prioritizing strategic thinking, and balancing work with parenting can unlock new levels of efficiency. Whether you're seeking personal or professional growth, this episode is packed with valuable advice and inspiration to elevate your life. Join us and discover how to unlock your super skills and overcome limiting beliefs for a more prosperous future.
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Want to become as tax efficient as possible?Connect with David here: https://www.dentistswhoinvest.com/david-hossein
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport———————————————————————Unlock the secrets to maximizing your dental practice's financial efficiency with our returning guest, David Hossain. This episode of the Denison Invest Podcast promises to clear up the murky waters surrounding holding companies, particularly for dentists. David breaks down the intricate differences between directly owning multiple companies and implementing a holding company structure. With his expert insights, we examine scenarios where a dentist might own both a dental practice and a property company, and how lending money between these entities can be tax-free under common control. Our conversation sheds light on the advantages and disadvantages of adding a holding company into the mix and stresses the need for meticulous planning to minimize future tax burdens.
Navigate the complex world of tax strategies and discover the significant tax implications of owning a dental practice through a holding company. David delves into the substantial shareholding exemption, explaining how it allows for tax-free capital gains within the holding company while personal access to those funds triggers hefty dividend taxes. Compare this with the benefits of entrepreneur's relief when owning a practice personally. Finally, we discuss the potential impacts on capital gains and inheritance tax, summarizing the pros and cons of holding companies. This episode is a must-listen for dentists seeking to optimize their business structure and minimize tax liabilities—consulting with an accountant is crucial to making informed decisions.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Need to Review Your Income Protection?**Connect with Warren Here: https://www.dentistswhoinvest.com/income-protection/
———————————————————————Unlock the secrets to optimal income protection for dentists in this enlightening episode with Dr. James Martin and special guest Warren Robbins, an insurance advisor with a keen eye for detail. Discover how to secure the best deals on income protection policies, cutting through the fog of misleading lifetime cost estimates provided by insurers. Warren’s analytical approach, backed by his research science background, offers a clear path to understanding and comparing long-term costs effectively through a comprehensive spreadsheet tool.
Understand the significance of choosing the right income protection insurance by focusing on critical aspects such as the "own occupation" definition. We dissect the value differences between higher premium policies from specialized insurers and more affordable options, revealing that most insurers now provide similar coverage. Avoid unnecessary branding costs and extra features as we demonstrate Warren’s detailed model designed to help you navigate the insurance landscape with confidence.
Stay ahead with annual reviews of your income protection policy to ensure it remains aligned with your needs. Warren showcases his detailed spreadsheet model that compares premiums, cover amounts, and policy terms across various insurers, highlighting the significance of regular policy assessments. We invite you to input your details via a special link for a personalized protection review, ensuring you aren't over-insured. Join us as we promise more valuable insights and expert advice in future episodes, keeping you well-informed and financially secure.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————What if you could retire years earlier than you ever imagined? Join us on this eye-opening episode of the Dentistry Invest podcast as we sit down with Certified Financial Planner, Anick Sharma, who will reveal critical strategies to fast-track your retirement timeline. Through relatable analogies and practical insights, Anik delves into the significance of a well-structured financial plan and introduces a cash flow model that maps your financial journey over a lifetime.
We then shift focus to the true essence of wealth and the psychological pitfalls of delaying happiness for future milestones. Sharing poignant stories, including a client who achieved financial success only to pass away shortly after, we underscore the importance of living fully in the present. Learn how strategic planning and gradual transitions into retirement can lead to a more fulfilling life, and why open financial discussions are key to breaking the stigma around money.
Finally, we redefine what retirement and real happiness mean by balancing present enjoyment with future security. Drawing on George Kinder's life planning philosophy, we discuss aligning financial goals with personal fulfillment. Hear the transformative story of a senior executive who discovered she could have retired five years earlier, changing her life and relationship with her daughter. Stay tuned for a sneak peek into our next episode, where we'll tackle investing fallacies and assumptions with Anick.
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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————What if trimming your expenses could boost your dental practice's profitability more than increasing your revenue? We reconnect with Rida Alwan, a seasoned expert in reducing overheads for dental practices, to uncover the hidden power of cost management. From an astounding £18,000 saving on utility bills in Brighton to a 30% discount with major suppliers, Ridda shares game-changing case studies that demonstrate the significant impact of savvy expense management. We explore why focusing on expense reduction can often yield more substantial financial benefits than merely chasing higher revenue, and discuss the importance of efficient staffing, effective phone systems, and overall return on investment in various business components.
Financial optimization is more than just a buzzword—it's a transformative strategy that can change the fortunes of a dental practice. Learn how small savings like competitive rates on card terminals through a referral system can accumulate into substantial financial gains. We also dive into the roles of consultants and business solution managers in guiding busy dentists toward fiscal efficiency. Rida underscores the profound benefits of financial education and passive income, sharing inspiring examples from successful practitioners. We wrap up with the top five impactful strategies for cost savings, highlighting the vital roles of reception staff, savvy supplier negotiations, utility management, handling staff holidays, and regular payroll reviews. Tune in to discover how incremental changes can lead to impressive financial growth over time.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Can gold truly stand up to traditional investments like stocks, bonds, and real estate? Find out as John Doyle takes us through a riveting discussion that begins with an entrepreneurial tale from the Canadian gold rush, where a clever individual turned the frenzy into pie-selling profits. This sets the foundation for a nuanced analysis of gold’s viability as an investment, addressing common questions and cultural influences that shape investors’ decisions. Whether you’re pondering the future income streams from gold or its role in diversifying your portfolio, this episode promises valuable insights without pushing any particular agenda.
Discover why gold has been a symbol of wealth and security for thousands of years. We explore its historical allure and practical uses, especially during times of global instability. Hear an incredible anecdote about a fund manager’s client who stored millions in gold in a Swiss airport locker for safekeeping. This episode also dives into the intricate relationship between gold prices and currency fluctuations, examining significant events like Brexit that have impacted gold returns across different currencies. We emphasize the importance of understanding these dynamics in making informed investment decisions, highlighting both local and global perspectives in financial planning.
Finally, we compare long-term data on gold investment to stock market returns, revealing when gold has truly outperformed. We discuss the psychological resilience needed during market downturns and the speculative nature of gold ETFs compared to physical gold. Should you follow the "gold bugs" or consider the practicalities and risks involved in holding physical gold? This episode is all about making informed, conscious choices in your investment journey. Join us as we reflect on psychological factors, the role of gold in portfolio diversification, and the importance of not just following conventional wisdom.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————What if the key to unlocking your full potential lies not in relentless striving but in a profound mental shift? In our latest episode, we sit down with Tom, a clinical hypnotherapy expert and personal development coach, to uncover the journey from fear-driven success to a mindset of abundance and service. Discover how many of us start our paths fueled by survival instincts, leading to stress and burnout, and how we can transition to the sovereign archetype—living with ease, generosity, and a focus on legacy-building. Tom shares his wisdom on achieving sustainable success by caring for others and creating a truly supportive environment.
Next, we explore the metaphor of a car's fuel to understand our motivations. Are you running on "dirty fuel" like anger or a need to prove yourself, or "clean fuel" driven by genuine aspirations to make a positive impact? Tom explains how athletes and business leaders use psychology to manage pressure and reprogram outdated beliefs. Learn the importance of aligning your beliefs, emotions, and environment with your goals to unlock your true potential. We also touch on gratitude, not just as a list-making exercise but as a way of life, highlighting how detoxifying negative emotions can clear the path to success.
Finally, we focus on the misunderstood link between external achievements and internal happiness. Tom offers insights on eliminating limiting beliefs to smooth your journey to success, emphasizing the importance of being present and content in the moment. Through relatable stories, like overcoming fear during childbirth, we illustrate how our preconceived notions shape our experiences. Join us for an enlightening conversation that promises to inspire you to cultivate a fulfilling and impactful life.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Dr. Amit Jilka awarded Best Dentist UK, is the Owner and Principle Dentist of Abbey House Dental Clinic Group- a cluster of four private dental clinics across Staffordshire
With a team of over 30 clinician he has mastered the methods to upskill, add value and ultimately make every one of his associates succeed clinically and financially.
Dr. Kalpesh Prajapat is a dental associate awarded best young aesthetic dentist uk, he has been mentored by Dr Jilka and now solely provides high value revenue treatments such as dental implants , sedation, composite bonding, porcelain veneers and orthodontics. With his own dental brand and marketing team he has spearheaded growth of his client base and has created a reliable and effective model for acquiring his own high value leads.
We dissect the essential elements that define a “super associate.” From the importance of the right environment and mentorship to mastering marketing and soft skills, we emphasize the growth mindset and passion for dentistry that set top associates apart. Hear transformative stories and proven strategies from our guests that underscore the significance of continuous learning and professional development. This episode is packed with actionable advice and inspiration, perfect for anyone aiming to reach new heights in their dental career.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to successful biotech investments with Andrew, a seasoned expert with over two decades of experience in smaller company equities and six transformative years as a biotech investment banker. Get ready to explore why biotech is not just a buzzword but the next frontier of economic wealth, poised to outshine even the tech giants of today. Learn about Andrew's groundbreaking books, including the upcoming "The Future is Biotech," and how his new biotech investment fund could be a game-changer for your portfolio.
Imagine a world where biotechnology solves some of the most critical health issues we face today, like cancer, dementia, and diabetes. That's the future Andrew envisions, and he's here to show us how advancements in technology have paved the way for biotech breakthroughs. From miraculous treatments like Novartis' leukemia drug to the incredible progress in genome sequencing, discover how these innovations are set to revolutionize healthcare and beyond. Plus, get a sneak peek into Andrew's second upcoming book aimed at empowering young investors.
But the conversation doesn't stop at healthcare innovations. We dive deep into the synergies between biotech and technology, highlighting how wearables, big data, and even quantum computing are reshaping diagnostics and health monitoring. As we reach the physical limits of traditional computing, Andrew shares his insights on the extraordinary potential of biotech and quantum computing to surpass these constraints. Finally, for those looking to invest wisely, Andrew offers practical strategies emphasizing the importance of consistent, long-term investment in diversified global indices. Don't miss this episode if you want to stay ahead of the curve in the fast-evolving world of biotech investments.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Discover how to break free from the constraints of "teeth tunnel vision" and build a balanced, financially secure life as we welcome Jaz Galati, a celebrated dentist and podcaster. Jaz takes us through his extraordinary journey from a refugee in Afghanistan to a thriving dental professional, emphasizing the importance of financial literacy and continuous learning. This episode is packed with actionable strategies to integrate financial advice into your clinical practice, helping you achieve both professional and financial success.
Have you ever wondered how to diversify your income streams beyond your primary career? Jaz shares his unique insights on the vulnerabilities of relying solely on one profession, especially in unpredictable times like the coronavirus pandemic. Learn about the various paths to financial freedom, from tutoring to property investment and day trading. Jaz's personal stories and pragmatic advice are tailored to help dentists safeguard their careers and build robust, financially secure lives.
Balancing work and personal passions is crucial, and Jaz offers valuable tips on managing professional commitments while pursuing creative projects like podcasting. From the initial time investment to the streamlined processes developed over time, we explore how to make room for what matters most in your life. We also discuss the importance of financial discipline, avoiding lifestyle creep, and making informed investment decisions. Join us and transform your approach to both your career and finances, guided by Jaz's wealth of knowledge and experience.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to optimizing your borrowing strategies as a dental professional with our special guest, Sarah Grace. In this episode, we explore the fascinating dynamics of the housing market during children's holidays and uncover how dental associates can benefit from new lending practices that accept pay schedules instead of traditional accounts. Sarah offers her expert advice on securing the best borrowing rates and emphasizes the importance of having a solid contract, sharing tips on utilizing BDA templated contracts for maximum efficiency. This engaging discussion is packed with actionable insights for dentists looking to simplify their borrowing process and take advantage of favorable lending conditions.
We also delve deep into mortgage lending and interest rates, tailored specifically for medical professionals. Learn the critical benchmarks lenders look for, including maintaining three months of financial history and the impact of a 10% deposit on securing better rates. Through real-life case studies, we highlight how dentists can leverage future contracts or recent income spikes to secure advantageous loans. We wrap up with an insightful analysis of the Bank of England's base rate, examining its influence on fixed and variable mortgage options, and offer thoughtful speculation on future trends. Don’t miss this episode brimming with practical tips and expert advice designed to help dental professionals navigate the complex world of borrowing.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Curious about how to balance clinical excellence with exceptional patient experience in dentistry? This episode promises to illuminate the key strategies for creating and managing a successful dental practice. Join us as we chat with the inspiring Jamil, a young yet accomplished dental practice owner who has navigated the path from fresh graduate to owning multiple thriving practices in South Wales. Learn firsthand about his motivations, the joy he finds in clinical dentistry, and the unparalleled ability of dentists to swiftly relieve pain and garner heartfelt gratitude from patients.
We dive deep into the delicate art of blending hospitality with top-notch dental care, exploring how patient comfort can be just as crucial as clinical skills. Jamil busts the myth that only seasoned experts can run successful practices, sharing his own experiences of tackling challenging cases and growing both his clinical prowess and business savvy simultaneously. Discover why high-quality materials are a must, not just for private patients but NHS ones too, and how ethical practice and investing in better tools can significantly boost patient satisfaction and your practice’s reputation.
Tune in for actionable advice on strategic growth, from acquiring undervalued practices to mastering financial tactics like securing loans and negotiating favorable lease terms. Jamil shares insightful tips on how to leverage online reviews and social media for effective marketing, emphasizing the importance of transparency and relatable content. We also touch on the profound impact of empathy, transparent communication, and interest-free payment plans on patient relations. Don't miss Jamil's unique take on practice ownership and entrepreneurship, offering a wealth of inspiration and practical tips for dental professionals at any stage of their career.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Are you ready to unlock the secrets of building a thriving squat dental practice? Join us for an exclusive session with Bobby, our returning guest who has transformed his practice into a model of success. Bobby shares the critical steps to creating a cohesive team that aligns with your vision, along with practical tips on filming patient testimonials that can elevate your practice. This episode is packed with actionable insights that promise to set you on the path to success.
Discover the essentials of starting a dental practice from scratch, and learn how being effective on camera and leveraging platforms like LinkedIn can supercharge your professional networking. Bobby delves into the financial benefits of offering high-value treatments, such as full arch implants, clear aligners, and smile makeovers, which can help you repay loans faster and attract organic referrals. Get inspired by Bobby's journey and see how pivoting towards high-value treatments can make a significant financial impact.
But it’s not all about the money. We also explore the importance of delegation and maintaining focus, drawing from insightful books like "The E-Myth," "Who Not How," and "Checklist Manifesto." Bobby shares his heartfelt passion for his work, emphasizing the profound sense of fulfillment that transcends monetary gains. Whether you’re a new dental practitioner or looking to elevate your existing practice, this episode offers valuable advice and inspiration to help you find success and satisfaction in your career.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Can you really "Sell Without Selling"?
Click Here to Learn More: www.barryoulton.com/dwi
From his journey out of clinical practice to becoming a coach, Dr. Oulton reveals how a singular focus can unlock potential and quicken progress. We dive into his "More" program, a 12-week transformational experience designed to help dentists increase their income, time, or satisfaction through enhanced systems and communication skills. Learn how understanding and conveying your worth can lead to a significant cash flow boost.
Effective communication stands as the cornerstone of Dr. Oulton's philosophy. Moving beyond the outdated model of trading time for money, we explore strategies to help patients identify their needs and make informed choices, ultimately leading to higher quality, longer-lasting treatments. Discover practical examples like painless injection techniques and setting clear, achievable expectations to delight patients. Dr. Oulton emphasizes the importance of matching communication styles to improve interactions and elevate the overall patient experience.
Small gestures can have a big impact. In our discussion, Dr. Oulton shares personal stories illustrating how minor acts of kindness and the principle of reciprocity can build patient loyalty and enhance professional success. We celebrate the ease of accessing information today and stress the importance of continuous learning and embracing a growth mindset. Tune in for insights into effective communication, comprehensive treatment planning, and details about the upcoming event, "How to Sell Without Selling," designed to equip dental professionals with essential skills to elevate patient care and satisfaction.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Ever wondered how to maneuver the financial complexities of a dental career? Join us as taxation expert David Hossain unlocks the key financial milestones for dentists, from student loans to retirement strategies. Whether you're an associate, a practice owner, or managing multiple practices, this episode offers invaluable insights on staying compliant with HMRC, utilizing tax breaks, and mastering the transition to practice ownership. David's expertise will help you navigate each stage with confidence and foresight, ensuring long-term financial success.
Get inspired by the story of a 28-year-old dentist who owns multiple practices and a training facility, showcasing the potential of early entrepreneurship. We discuss the challenges of multi-site ownership, the benefits of incorporation for improved cash flow, and the strategic balance between expanding and investing in existing practices. Plus, learn how to plan a profitable exit strategy, taking into account factors like capital gains tax and shareholder arrangements. Don't miss out on practical advice tailored for your financial journey as a dentist.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Discover the revolutionary strategies of Dr. Chetan Mathias, the "Million Pound Dentist," as he shares the secrets behind his astounding ability to see up to 93 patients in a single day. By focusing on the power of a strong team and streamlined systems, Dr. Mathias offers invaluable insights into how he manages high patient volumes without feeling overwhelmed. Learn how the art of standardizing workflows and inviting collaboration within the dental community can lead to unparalleled success. Dr. Mathias also opens the doors of his practice for fellow dentists to observe, underscoring the importance of shared knowledge and support.
Transform your dental practice by shifting from working in your business to working on it. Explore the necessity of delegation that can unlock significant growth and efficiency, allowing dental practice owners to focus on both clinical and non-clinical tasks by leveraging a robust support team. Delve into the impact of digital dentistry with technologies like CAD CAM (CEREC), and understand how automation and systemization are key to revolutionizing dental practice management. Dr. Mathias highlights the importance of protocols, continuous improvement, and the backstage efforts that make seamless operations possible, all while navigating the industry's post-COVID cycles.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to financial optimization for dentists with our expert guest, David Hossain, as we dissect the pivotal choice between operating as a sole trader or a limited company. Discover how this decision impacts your tax responsibilities and income control, and why the option to trade as a limited company, available to UK dental associates since July 2006, offers unparalleled financial planning flexibility. We'll also navigate the complexities NHS associates face regarding superannuation and provide a comprehensive look at the UK tax bands to help you make informed decisions about your business structure.
Join us as we break down the financial nuances of withdrawing money from a limited company versus being a sole trader, illustrated through real-world scenarios and graphical representations. Learn how maximizing tax savings can be achieved by strategically withdrawing minimal amounts, and why remaining a sole trader might be more advantageous beyond certain income levels. Tailored specifically for the dental profession, this episode underscores the importance of individual circumstances and strategic financial planning. Tune in and arm yourself with the knowledge to make smarter financial choices for your dental practice.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the door to authentic success with the wisdom of Tom Fortes-Mayer, our esteemed guest who masterfully intertwines the intricate threads of psychology and success in business. As we navigate through a labyrinth of internal beliefs and identity, Tom enlightens us on how these are the bedrock of financial prosperity, going beyond mere mindset to our core sense of self-worth. This episode isn't just about creating wealth; it's an expedition into the heart of who we are, and how embracing our true selves can attract abundance into every facet of our lives. You won't want to miss the revelations that could very well redefine what success means to you.
Ever wondered how the subtle art of expectation can dramatically alter your performance? As Tom and I dissect this phenomenon, we uncover a treasure trove of studies that demonstrate the mind's formidable power to influence outcomes. From teachers unwittingly boosting students' academic prowess to astonishing cases of health improvements sparked by shifts in belief, this conversation illuminates the oft-hidden barriers we erect and how to transcend them. It's a conversation that will challenge you to reevaluate the limits you've accepted and to envision a future unbounded by the invisible walls of yesterday's thinking.
The journey to personal and professional triumph culminates in a candid exploration of internal blockages and the transformative techniques to dissolve them. We venture deep into the essence of our being, where Tom shares how to unearth and eradicate the root causes of behaviors that no longer serve us. This profound dialogue promises to guide you toward aligning with your innermost self, laying bare the path to genuine fulfillment and a life brimming with opportunities. If you're ready to transform your internal landscape and chart a course toward uncharted territories of success and happiness, let this episode be your compass.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the vault to financial freedom and entrepreneurial success with Adam Cox, a hypnotist and wealth coach who's transforming the way we think about money. We all hold beliefs that shape our financial destiny - some empower us, while others hinder our growth. Imagine reshaping those beliefs to not just chase wealth, but to catch it and hold onto it. That's exactly what we're discussing today.
Adam Cox doesn't just talk the talk; he walks us through the psychological labyrinth that dictates our relationship with money. From the paralyzing grip of fear and limiting beliefs to the liberating power of an abundance mindset, this episode is a treasure map for anyone ready to rewrite their financial story. We reveal how early investment can be your best defense against the erosion of your hard-earned cash by inflation and how embracing meta-skills like effective communication and self-awareness can open doors you never knew existed.
This isn't just a podcast; it's a masterclass in personal growth and financial acumen, peppered with Adam's personal anecdotes and professional expertise. We challenge the notion that money is a finite pie, exposing the infinite potential that awaits those who dare to reject the scarcity mindset. If you've ever felt the itch to transform your financial life but didn't know where to start, this episode is the catalyst you need. Listen in and equip yourself with strategies that go beyond mere wealth to foster a prosperous life in its fullest sense.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets of establishing a thriving dental practice from the remarkable Dr. Jamil. By the age of 30, he's not only set up three successful clinics but has embarked on a new journey of creating a squat dental practice on a tight budget. This episode is a treasure trove of practical advice for dental professionals aiming to pave their own path without spending a fortune. From identifying prime locations to selecting cost-effective equipment, Dr. Jamil shares his blueprint for any dentist ready to take the entrepreneurial leap.
Switching gears to the nitty-gritty of financial strategy, our conversation with Dr. Jamil turns to debunking time efficiency myths and focusing on lean operations. As dentists, we often get caught up in the allure of high-end tech and overlook the power of patient acquisition and lean marketing strategies. In this enlightening discussion, Dr. Jamil reveals how prioritizing cash flow and profit margins over flashy turnovers has been pivotal in his success. These insights are a must-listen for any dental professional looking to balance the books and ensure their practice's long-term financial health.
We wrap up by inviting you to join our growing community on the 'Dentists who Invest' Facebook group, where your financial acumen can flourish alongside thousands of like-minded dentists. As we thank Dr. Jamil for his invaluable contributions, remember to follow or subscribe for weekly podcast updates and share a review to help spread the wealth of knowledge. Stay tuned for more conversations that empower our professional journeys toward financial success and stability.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Dive into a world where dental drills meet dollar bills as Dr. James Martin, once a dentist, now an investment sage, shares his journey and expertise tailored for those in the dental field. Our discussion reveals how life's challenges, like my personal encounter with a knee injury, can not only test our resilience but also lead to the discovery of new avenues for growth—like the birth of the Dentistry Invest Facebook group. We explore the nuances of financial planning for dentists, pondering on the importance of a safety net and how investments, including the tempestuous waves of cryptocurrency, can have an overwhelming impact during unforeseen personal setbacks.
Embark on a philosophical quest with us as we reflect on the true essence of financial freedom—not merely a hefty bank account or a minimalist lifestyle, but a harmonious blend of contentment, values, and work. Dr. Martin and I dissect the conventional retirement narrative, inviting listeners to contemplate a richer definition of wealth that resonates with personal joy and fulfillment. It's a conversation that challenges the traditional grind-until-you-retire mindset and spotlights the importance of investing in oneself to enhance future earning potential.
As we wrap up, we underscore the pivotal role of seeking professional financial advice, particularly for those navigating the complex waters of the capital markets. We share insights on crafting a long-term investment strategy while also recognizing the crucial distinction between accountants and financial advisors. To cement your path toward financial acumen, don't miss out on the wisdom housed in Dr. Martin's Dentistry Invest and connect with like-minded professionals in our vibrant Facebook group, Dentists Who Invest, where financial literacy and savvy investing go hand in hand.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secrets of asset allocation with financial expert Jon Doyle, IFA, as he returns to our show, providing dentists with the tools needed to craft a robust investment strategy. Grasp how balancing risk and reward within your portfolio can leverage your position for long-term gains. Our conversation traverses the terrain from the behavioral underpinnings of investment decisions to the practicalities of stock and bond distributions, offering a compass for navigating the financial markets' ebb and flow.
Embark on a journey into the labyrinth of market factors influencing your financial choices, where we illuminate the variable market segments and the influence of commentators like Jim Cramer. We'll dissect the anatomy of a portfolio, juxtaposing the allure of high-risk small cap investments against the sobering unpredictability of financial markets. Share in a personal narrative that underscores the mercurial nature of investing, and understand why the conventional wisdom of chasing market predictions might just be a fool's errand.
Wrap up the financial feast with a deep dive into the mechanics of bonds and their place in a retirement-ready portfolio. Discover how the careful selection of bonds can cushion your financial future and learn the art of transitioning from wealth accumulation to divestment. This episode isn't just about numbers; it's a rally cry for dentists to band together in the Dentists Who Invest community, where shared wisdom paves the way to financial acumen. So, come along for an enlightening episode that promises not just to educate but to empower your investment journey.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Embark on a financial enlightenment journey with us and John Doyle, IFA, a guru in portfolio building, as we equip you with the strategies to shield and expand your fiscal future. Exploring the intricate dance between inflation awareness and investment, our conversation is a treasure trove of insights for both the investment neophyte and the veteran money manager. We tackle the importance of purchasing power, the century-long stability of the stock market, and the indispensable role of diversification, weaving through vivid analogies that bring the concepts to life—like the difference between the sharp pain of a single nail and the distributed ease of a bed of nails.
Ever wondered how to navigate the turbulent waters of market volatility? John and I dissect the role of bonds as the soothing tonic to the potent gin of stock investment, smoothing out the ride on your financial journey. We take you through the indispensable steps of financial planning, especially in preparing for retirement cash flow, and stress the necessity of understanding the ever-changing global market landscape. Our dialogue busts common myths about diversification, urging investors to look beyond familiar indexes to the broader, dynamic array of global equities.
Concluding our empowering chat, we delve into the essence of an investment philosophy that withstands the tempest of market shifts. Drawing from Juniper's research and the extraordinary tactics of investment legends like Warren Buffett, our episode reveals the value in focusing on long-term market growth propelled by human ingenuity over fleeting market forecasts. We leave you pondering the potency of informed, diversified investing and invite you to further explore these themes with us, ensuring you're prepared to build a financial fortress for the ages.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to smart financial planning with a touch of dental finesse in our latest episode, where special guest and financial guru John Doyle and I dissect the ins and outs of Lifetime ISAs and how they measure up against the traditional pension schemes. If you're a dentist looking to brush up on your investment knowledge, or just eager to navigate the terrain of ISA varieties, this episode will leave you with a wealth of actionable insights. Together, we chew over the growth prospects of the new year and how you can leverage ISAs to give your investments a tax-efficient boost.
Dive into the flexibility of ISAs and the special attributes of Lifetime ISAs that set them apart in the finance world. We shed light on the dual nature of LISAs, blending features of pensions and ISAs, including the often-overlooked government bonus and its caveats for first-time home buyers. Emphasizing the long-term appeal of stocks and shares ISAs over their cash counterparts, John and I tackle the common pitfalls of short-term investment strategies and underscore the importance of aligning your financial tactics with your life goals.
The journey doesn't stop there; we navigate the complex currents of retirement planning, considering factors such as accessibility, tax perks, and the plethora of savings choices that await you. As we unravel the intricacies of balancing pensions, LISAs, and ISAs, I highlight the significance of understanding the timing of your financial needs and the varying commitments each savings avenue demands. For my dental colleagues pondering an early retirement, John and I map out strategies to span the financial divides, ensuring a smooth transition into your post-career life. Tune in to fortify your fiscal future with expertise and insights tailored to the unique professional path of dentists.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Dr. Mart McClellan is President of Macro Wealth Management and Author of the Amazon #1 Bestselling Book “Your Retirement Smile”. His firm also specializes in cryptocurrencies. He can be reached at mart@macro-wealth.com.
Unlock the secrets to overcoming the financial hurdles that plague many dental professionals with guidance from someone who's been in your shoes. Mark McClellan, an orthodontist turned financial advisor, brings his unique expertise to our podcast, providing invaluable insights on marrying dentistry with sound financial planning. His pivot from orthodontics to financial advising wasn't just a career change; it was a mission to arm his peers with the knowledge to navigate the complex world of finance, especially the often-overlooked realm of cryptocurrency investment.
This conversation peels back the layers on why simply hoarding cash can be a silent threat to your financial health, thanks to the twin monsters of inflation and taxation. Mark and I dissect the importance of diversifying income streams, looking beyond the comfortable familiarity of 401k or IRA plans. He makes a compelling case for adding flavors of business ownership and real estate to your portfolio, critiquing the one-size-fits-all advice that many advisors dish out. We also dive into the deep end of cryptocurrencies, challenging the trepidation surrounding digital assets and highlighting the ways they can potentially fortify your financial future.
When it comes to retirement, the fear of outliving your savings looms large. Here, we navigate the tricky waters of safe withdrawal rates, considering how alternative assets like Bitcoin may fit into the picture. Mark's approach emphasizes the flexibility and necessity of annual financial check-ups, ensuring that your plan not only grows with you but reflects your values, including philanthropy. By the end of our chat, you'll be equipped with strategies to outsmart volatility and secure a financial strategy that's as resilient and innovative as your practice.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Discover how your investments can echo your values with John Doyle, an independent financial planner who specializes in ESG investing, guiding us on a journey through ethical finance specifically tailored for dentists. As we peel back the layers of Environmental, Social, and Governance considerations, you'll gain a thorough understanding of how these factors can not only complement your portfolio but also contribute to a more sustainable world, without sacrificing returns. Our robust discussion cuts through the complexity, offering you the strategies and insights to navigate this evolving investment landscape with confidence.
We confront the big questions head-on: from the performance of ESG funds compared to their traditional counterparts to the reality behind greenwashing claims. John unravels the nuances of ESG and SRI—Socially Responsible Investing—helping you discern which funds truly align with ethical practices versus those simply riding the trend. With tools like MSCI and advice on maintaining a personal investment philosophy, this episode is an indispensable resource for any dentist ready to shape their financial future with purpose. Join us as we dissect the rise of ESG funds and lay out actionable steps for integrating genuine ESG investments into your portfolio.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Discover the secrets to financial independence and the savvy investment strategies that every dentist should know with me, Dr. James Martin. In our latest illuminating webinar, I debunk the common myth that cash is king, and reveal how inflation can silently erode your nest egg. We don't just stop at theory; I provide a practical roadmap highlighting ten asset classes that could potentially fortify your portfolio. By embracing a proactive approach to managing your finances, you can steer clear of the risks associated with inaction and take confident strides towards growing and preserving your wealth.
As we navigate the complexities of economic principles, I delve into the intriguing nature of money as a social construct and its relationship with inflation through the lens of historical and recent market events. Understanding these dynamics is crucial, and I draw parallels with strategies employed by top financial advisors to help you appreciate the full spectrum of wealth growth. Join us as we explore the long-term benefits of self-managed investments, where you can sidestep hefty management fees and celebrate the triumph of keeping your profits entirely to yourself. This session is more than an investment in knowledge—it's an investment in your future.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets of smart stock investments with Adam Hughes from the Dental Business Alliance on our latest podcast. Every dentist knows that a steady hand and a sharp eye are vital for success, but when it comes to building wealth, the tools of the trade look a bit different. We're tearing down the myth that stock ownership is a golden ticket to prosperity, instead showcasing how a well-informed, strategic approach is key. Together with Adam, we debate the merits and risks of a stock-heavy portfolio and shine a light on the smoother ride that balanced funds can offer for the financially prudent practitioner.
Navigating the market's waves requires more than a life vest; it requires knowledge, which we provide in ample measure during our deep dive into equity portfolios and the anticipated longevity of indexes like the S&P 500. Historical data comes to life as we track the impressive endurance of these financial giants, even in the face of global upheaval. Yet, we don't shy away from the tough questions, such as the impact of tech giants on index stability or the psychological fortitude needed to weather volatility. Dental professionals, take note: our special report on financial blunders and their remedies is a treasure trove designed just for you.
The path to financial wisdom is not a solo journey, and the DIY investor is a breed that thrives on discipline and knowledge of risks like sequencing risk. We explore the balance between the allure of self-managed investing and the steadying hand of a financial advisor. As we outline the multifaceted role of expert financial guidance, from tax planning to inheritance strategies, remember: a disciplined approach today can mean a smile worth a million dollars tomorrow. So, scrub in, dentists – it's time to polish your financial portfolios with the insights and experience of Adam Hughes on the Dentists Who Invest podcast.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the door to financial mastery as we join forces with Andrew, a sage of investing strategies, to weave through the intricate world of financial literacy. This episode is a trove of knowledge where we scrutinize the impact of sound financial decision-making on personal wealth and societal prosperity. Together, we dissect the core principles that dictate investment success and the imperative for consistent education to leverage financial insight for life-altering outcomes. With Andrew's extensive slide deck in hand, we commit to a dialogue that not only enlightens but also calls upon you, our discerning listeners, to engage and refine our collective financial prowess.
Embark on an expedition to distinguish the subtle yet profound divergences between investing and trading, as we illuminate the path to a secure financial future. Our discourse spans the criticality of retirement planning, the gender gap in savings, and the influence of human advancement and technology on diversifying your investment portfolio. By embracing the notion of 'owning the world', we encourage you to adopt a holistic approach to investment that not only mitigates inflation but also strategically positions you for a retirement cushioned by the fruits of your financial acumen.
This episode is an investment in future generations too, as we share insights from our upcoming book designed to nurture financial literacy among the youth. We recount experiences of enlightening students and the promise of integrating financial education into mainstream learning through collaborations with influential organizations. The capstone of our conversation is the vibrant community we've fostered—Dentists who Invest—where professionals from diverse backgrounds unite to amplify their financial intelligence and well-being. Join us, become part of this empowering network, and embark on your journey to financial sovereignty.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the mysteries of the NHS Pension Scheme with the wisdom of financial guru Ian Hawke, as we guide you through its inner maze. Whether you're a hospital dentist or a principal, this episode promises to equip you with the knowledge to secure your financial future. We navigate the intricate layers of the original 1995 Scheme, weigh it against the 2008 iteration, and dissect the 2015 Scheme with precision. If navigating your pension has felt like a daunting task, prepare for clarity that could change the way you view your retirement planning.
Grasp how a £54,000 salary translates into pension benefits and why the £40,000 annual allowance limit demands your attention. With Ian's expert insights, we scrutinize the accrual rates and contribution bands that dictate your pension growth. Discover how partial retirement could shape your financial strategy and why additional contributions to SIPs require careful consideration. For those balancing the benefits across various schemes, this episode is a beacon, guiding you through potential financial reefs and towards a secure harbor.
In the ever-evolving landscape of the NHS Pension Scheme, staying informed is not an option—it's a necessity. We delve into the latest legal challenges and remedy periods, unraveling their complexities and presenting you with the choices that will confront you at retirement. Moreover, we expose the disconnect between the Consumer Price Index rates and actual inflation, a critical detail that could save you from unwelcome charges. With Ian Hawke's guidance, this episode is more than just an overview; it's a masterclass in safeguarding your pension against the tides of change.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Uncover the secrets of a winning financial mindset with expert Shabbar Kassam in a riveting discussion that traverses beyond spreadsheets and stock tickers. Prepare to challenge the deeply rooted 'keeping up with the Joneses' narrative and embrace a philosophy of investing that aligns with your core values. In this episode, we dissect the psychological aspects of building wealth, emphasizing restraint and strategic thinking as we navigate the financial nuances of the dentistry profession. With Shabbar's insights, you're set to cultivate a disciplined approach to your fiscal nature and make choices that lead to true financial liberation.
Embark on a journey through the essential steps of creating a clear roadmap for your financial future. We don't just talk numbers here; we delve into the significance of setting concrete goals that resonate deeply with your life's ambitions — from crafting your ideal lifestyle to supporting your family or leaving a philanthropic footprint. Learn how to transcend the rat race and carve out a life rich with passion and purpose. This episode is a masterclass in aligning your monetary resources with the pursuits that ignite your spirit, offering strategies to work towards the financial independence that lets you live on your own terms.
Cap off this enlightening discourse with a deep dive into risk management and the art of portfolio construction. Shabbar and I unravel the 'three flavors of risk,' guiding you through the intricacies of balancing investment opportunities with your personal risk profile. We explore diverse investment strategies that promise to shield your wealth from inflation, navigate market volatility, and foster growth through tactical asset allocation. As we wrap up, you'll emerge with a fortified understanding of how to build a robust portfolio tailored to your unique financial narrative, ensuring a future rich with potential and aligned with your personal values. Join us for this transformative conversation and take a significant step towards mastering your financial destiny.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Welcome to Dentists who Invest! On our latest episode, we're excited to have Veselin Bakturov share his incredible transformation from a dentist in Bulgaria to an investment guru in the UK. As we peel back the layers of a well-crafted investment strategy, you'll gain exclusive insights into how dental professionals can achieve financial prosperity without getting lost in complex jargon. Veselin's journey is not just about endodontics; it's a story of embracing the digital age and the colossal potential of internet platforms for unprecedented economic growth.
This week, we're bridging the gap between dentistry and dollars, offering a fresh perspective on managing your riches. Money isn't just currency; it's a product you can strategically invest and grow. Our conversation takes a turn towards the humorous side of wealth management, sharing tales from Veselin’s MBA days to underscore the importance of clear financial goals and the role of advisors. Whether you're considering lending shares for shorting or learning the ropes of financial modeling, we have the insights you need to make informed decisions and keep your portfolio thriving through market ups and downs.
For those looking to master the art of balancing a diverse portfolio, our discussion with Veselin is pure gold. We tackle the nuances of SIPPs versus ISAs, the NHS pension scheme, and when to seek professional advice. And if you're running a limited company, we've got you covered too, with tactics for profit extraction and asset protection. So, sit back, tune in, and prepare to supercharge your investment knowledge—one laugh and one lesson at a time.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Enlighten Smiles Link: dwi.enlightensmiles.com
Experience a transformation in your financial perspective as James Martin joins us on the Dentists Who Invest podcast to dissect the intricacies of dentistry's financial landscape. We promise to navigate beyond the bank balance to a 'rich life' filled with joy tailored to personal happiness and fiscal strategies. From tackling the effects of inflation on your hard-earned savings to debating the trade-offs between income and autonomy for dental associates versus practice owners, we cover it all.
Imagine uncovering the secrets behind building tremendous wealth from the simplest of lifestyles, just as the unassuming janitor Ronald did. Hear stories that will challenge the way you think about money, work, and life satisfaction. We're peeling back the layers on what it truly means to live 'richly,' discussing how to strike a balance between enjoying today and planning for a comfortable tomorrow, and sharing insights on how to redefine retirement planning to suit your individual dreams and aspirations.
Join us for a heartfelt journey through personal anecdotes and enlightening discussions that promise to reshape your approach to wealth and fulfillment. From the psychological aspects of lifestyle choices to the power of a disciplined savings strategy, we're revealing the key habits and mindset shifts necessary for dental professionals to achieve both financial independence and a life brimming with personal well-being and family joy. Don't miss this opportunity to transform your relationship with money and redefine what success in the dental industry looks like for you.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Discover how to transform your financial literacy from basic to brilliant with Andrew Craig, acclaimed author of "How to Own the World." In a conversation that's invaluable for dental professionals and high earners alike, Andrew illuminates the path to financial enlightenment, sharing his insights into why even the most educated individuals often stumble when it comes to investments. Prepare to be inspired as we unravel the secrets to achieving greater fiscal success and the profound impact that spreading financial wisdom can have on your peers and your personal wealth.
Embark on a captivating exploration of the academic world's surprising blind spots, particularly in dentistry and medicine, and how these reflect in our understanding of finance. Our dialogue traverses the importance of early financial planning, the magic of compound interest, and the transformative power of a nuanced approach to investing. Witness the paradigm shift as we dissect the monumental influence of financial literacy on long-term wealth and independence, and how mastering these concepts can change the trajectory of your professional and personal life.
Finally, join us as we marvel at the speed of technological evolution and its implications on investments and society. Reflecting on the juxtaposition of rapid innovation against our perception of progress, we delve into the importance of adopting a future-oriented investment mindset. We tackle the pitfalls of succumbing to fear in the face of global uncertainties and advocate for a bold approach that leverages the power of innovation to address the world's most pressing issues. Tune in for an episode that promises not just to enlighten your financial understanding but also to inspire a forward-thinking perspective on life and investment.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Imagine achieving a life where your work is driven by passion, not necessity, and financial freedom is not just a dream but a lived reality. Julian Keane, a dentist turned financial maestro, joins us to share his remarkable journey from the early days post-dental school to mastering the art of investment. His story is not only inspiring but also a blueprint for how to approach personal finances with the finesse of a seasoned investor, affording him the luxury to prioritize family, personal development, and the joy of practicing dentistry on his terms.
Dive headfirst into the world of investing, where the psychological battleground of market swings meets the strategic play of chess. We dissect the importance of emotional stability, as championed by Warren Buffett, and the crucial role of financial education in shaping our investment decisions. It's a candid discussion that will resonate with anyone who's grappled with the emotional rollercoaster of investing, highlighting the transformative power of knowledge and the right mindset to navigate the complex investment landscape. We also peel back the layers on tax-efficient saving tools like ISAs and SIPPs, unlocking the secrets to early retirement and a robust financial foundation that stands the test of time.
Wrapping up, we focus on the tangible steps dentists—and indeed any professional—can take to make their money work smarter, not harder. You'll get practical advice on the subtle art of distinguishing between investing and speculating, the wisdom of diversification, and the beauty of simplicity when it comes to growing your wealth. This is an episode that stitches together the intricacies of financial literacy with the personal touch of a community, the 'Dentists who Invest' Facebook group, where like-minded professionals gather to share, grow, and achieve financial freedom. Join Julian and me as we navigate through these waters, offering sailors and seafarers alike the compass you need to chart your own course to financial liberation.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the mysteries of the NHS pension scheme with the unparalleled insight of Luke Hurley, our guide through the labyrinth of income guarantees and pension growth. As the government's promise of retirement security stands, we delve into how NHS earnings fuel your pension's expansion and tackle the confusion that often swirls around personal contributions. With examples to illustrate, we examine the accrual rate's pivotal function—translating your hard-earned annual salary into a comfortable future retirement income.
The landscape of public sector pensions underwent seismic shifts in 2015, and for NHS professionals, the ramifications are still unfolding. We dissect the McLeod remedy, peeling back the layers of transitional protection and age discrimination cases that have led to a crossroads for many: choose between legacy and revamped pension schemes for the contested remedy period. Nearing retirement? This segment is especially crucial, as we consider the lifetime allowance and financial strategies to mitigate the impact of these sweeping reforms.
Finally, we navigate the intricate dance between the NHS pension scheme and the annual allowance. The link between pension growth and allowance calculations is a puzzle we piece together, emphasizing strategies for high earners to harness unused allowances and stave off tax charges. Whether you're aiming for financial independence or simply charting a course through the later state pension age, this episode is laden with insights. Join us at Dentists Who Invest for a wealth of knowledge that can secure your financial future.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to one of the most lucrative pension systems out there with independent financial advisor Luke Hurley. As we navigate the NHS pension maze, you'll discover the historical layers and financial implications that could shape your future. The NHS pension—often considered the crown jewel for healthcare professionals—holds a unique place in the retirement planning of dental professionals. With Luke's expert insights, we cover the scheme's structure, the intricacies of the 1995, 2008, and 2015 sections, and the impact of normal pension age on your pocketbook.
Throughout this talk, we contrast Defined Benefit and Defined Contribution pensions, providing a clear understanding of inflation protection and their respective roles in the pursuit of financial independence. For those weighing up the options between managing their own portfolios and the managed funds route, we delve into the debate with a critical eye, highlighting the advantages of passive funds. And for young dentists wondering about the sustainability of the NHS pension, I share a personal anecdote that underlines the importance of informed participation and the lessons learned from early career choices.
The financial journey doesn't stop with pensions, as we also examine the differences between private pensions and ISAs, discussing their tax implications and accessibility for your goals. Additionally, we tackle the complex allowances that come with NHS pensions, offering practical advice on how to stay on top of your contributions and avoid common pitfalls. With Luke's guidance, you'll come away with the knowledge to manage your NHS pension with confidence. So tune in, and take the first step towards securing your financial future with clarity and assurance.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Embark on a financial expedition with us and Andrew Craig as we unravel the mysteries of investment strategies suited for the audacious youth. Forget old-school financial blueprints; we're here to challenge the norms, dissecting the '100 Minus Your Age' rule and weighing the benefits of a stock-saturated portfolio. With insights from my book 'Live On Less, Invest The Rest', we're equipping you with the tools to navigate fluctuating markets and sculpt an investment strategy that resonates with your financial aspirations and timelines.
Venture further into the financial wilds as we scrutinize the tantalizing yet treacherous terrain of cryptocurrencies. Here, we address the elephant in the room: can the promise of exponential riches in digital currencies outweigh the perils? Through candid discussions, we compare the volatility of cryptocurrencies with high-risk stocks and unpack the critical need for aligning your investment portfolio with broader, more grounded financial objectives. Hear our take on why psychological fortitude can sometimes trump the most sophisticated of trading systems.
In a marketplace bursting with opportunity and risk, our final wisdom is simple yet profound. Delving beyond financial spreadsheets, we underscore the extraordinary influence of psychological resilience in investment success. Drawing pearls of wisdom from the likes of Morgan Housel and looking ahead to future literary endeavors, we leave you with a nugget of encouragement: education and a recalibration of financial beliefs are your best allies. So tune in, fortify your financial acumen, and let's chart a course towards enduring prosperity.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Embark on a journey to fiscal wisdom with us and our esteemed guest, Luke Hurley, as we unwrap the secrets of Individual Savings Accounts (ISAs) for dentists aiming to fine-tune their investment strategy. This episode is a treasure trove of insights, whether you're taking the first step in your investment voyage or seeking to navigate the seas with greater precision. We tackle the nuances of choosing the right ISA provider and the types of accounts available, such as cash ISAs and stocks and shares ISAs, to ensure your portfolio thrives in a tax-efficient environment.
Discover the art of transferring ISAs without capsizing your contribution limits and weigh the merits of various platforms, including Vanguard's beginner-friendly interface, Interactive Investor's fixed fee allure for the seasoned investor, and Hargreaves Lansdown's harmony of user convenience and customer service. We also address the misconceptions surrounding passive and active funds, a debate that's as enduring as the quest for the Holy Grail in the investment kingdom. With Luke's expertise, we decode the fee structures that could significantly impact your portfolio's growth over time and provide a compass for steering through the choices that best fit your financial goals.
As we set sail toward the horizon, our conversation casts a light on the often-overlooked importance of keeping your investments active to combat the erosion of fees and inflation. Looking into the future, we tease the potential exploration of pensions and the profound impact of fees over the long term. With gratitude for Luke's shared expertise, we close this episode, leaving you enriched and equipped to take command of your investment journey through the world of ISAs. Don't let this episode be the path not taken; let it be your map to a more secure financial future.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Have you ever wondered if the pen is truly mightier than the drill? Soogs, a dentist who traded his scrubs for the allure of language, sits down with us to recount his fascinating transition from dental care to the craft of copywriting. Discover how the persuasive power of words isn't just for selling products; it's a profound method of connecting with people's deepest needs and reshaping communication in every aspect of life, including the dentist's office.
In our latest episode, we navigate the ethical landscape of marketing in healthcare, particularly dentistry, where the distinction between persuasion and exploitation can be razor-thin. Soogs walks us through his evolution as a copywriter, from poring over "Cashvertising" to taking on real-life writing projects. His story is one of balancing the demands of a dental practice with a burgeoning love for writing, showing us that even the most unexpected skills can lead to client referrals and business growth.
Join us as we explore the broader quest for contentment and happiness in the dental profession. Soogs and I share personal reflections on the dangers of chasing financial success at the expense of life's joys and the importance of embracing passions that foster personal growth and satisfaction. Through this conversation, you'll see how the worlds of dentistry, copywriting, and the pursuit of a meaningful life can converge in the most remarkable ways.
LinkedIn:
https://www.linkedin.com/in/dr-sugz-maha-106336131
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the unexpected paths to profitability in new dental practices with Dr. Bobby, whose Avenue Dental has quickly become a success story. This episode is a goldmine of insights, as Dr. Bobby and I dissect the rapid financial triumphs of well-planned dental startups, challenging the long-held belief that dental entrepreneurship is a slow climb to success. We celebrate not just his achievements but also those of his peers, like the colleague who launched a practice with an impressive initial patient base. If you're an aspiring dental entrepreneur or a seasoned practitioner seeking to revitalize your practice, this conversation is loaded with rich, actionable strategies that will inspire you to think differently about the business of dentistry.
Feel the energy of mental toughness and resilience that comes from stepping into the world of dental business. From discussing the transformational journey within the first year of practice ownership to the power of pre-opening marketing campaigns, this episode is about the mindset and the mechanics of creating a thriving practice. Get to know Dr. Bobby, also known as Dr. Bendel, a beacon of inspiration who's not only shaping his future in the dental industry but also encouraging others to follow suit. Connect with him on social media, and ride the wave of hope and ambition that this episode instills. For real-world success stories and guidance on how to overcome fear and build a resilient practice from the ground up, tune in and be part of our ongoing conversation.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to aligning with wealth, as we welcome back the ever-insightful Tom Fortes Mayer to the Dentistry Invest podcast. This episode isn't just about financial strategy; it's a deep dive into the essence of embodying wealth right now. We're breaking through the traditional wait-for-success mentality and instead, discussing how to resonate with our financial goals today. By shedding negative emotions and fears, we reveal how our everyday state of being can magnetize opportunities and connections that align with our aspirations.
Step into the wealth mentality of success with us, where abundance isn't solely about your bank balance but flows from a foundation of self-worth and integrity. Together with Tom, we uncover how a mindset that uplifts others through wealth can amplify your life's quality and create a cascade of positive energy. We demonstrate that abundance is a language spoken through actions and mindset, and adopting this high vibrational state now can draw wealth beyond the financial. It's about creating a comfortable relationship with wealth and letting the fluidity of abundance enhance our lives.
Finally, we give you the tools to break free from a scarcity mindset and step boldly into a life of abundance. Hear inspiring tales of young entrepreneurs and success stories like that of Grant Cardone, who prove that with the right mindset, creativity, and determination, there are no limits. We're not just inspiring—you'll walk away with a practical framework to revolutionize your view of what's possible, transform scarcity into abundance, and open doors to growth and opportunity in both life and practice. Join us for a journey to elevate your horizon and embrace a richer, more abundant existence.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Have you ever witnessed the metamorphosis of a healthcare professional into a tech visionary? This episode features the remarkable Dr. Rawa Jay, a dentist turned entrepreneur, whose journey from the NHS to the innovative corridors of health tech is nothing short of inspiring. Rawa candidly shares the trials and triumphs of navigating the dental industry, from the plush offices of private practices to the corporate environment of Bupa. She delves into her strategic, risk-averse approach to career shifts and underscores the significance of building a rock-solid reputation before making any entrepreneurial leaps. A chance encounter with a podcast on property investment opened Rawa's eyes to the untapped business potential within her field, setting her on a path to reshape the future of dental communication.
Our conversation ventures into the heart of MediCube, Rawa's brainchild that promises to redefine the way dentists and patients interact. Discover the inner workings of this startup from its nascent stages to its pilot in five dental clinics, and how it aims to solve the age-old issue of miscommunication post-treatment. The session also touches on the broader implications of choosing an unconventional route within a traditional field and the impact of remaining receptive to technological advancements like AI. Rawa extends an invitation to her peers in the healthcare industry to embrace their curiosity and passion while equipping themselves with resilience, research acumen, and the flexibility to compromise. If you're contemplating a professional pivot or fascinated by the fusion of dentistry and technology, Rawa's insights are the beacon you've been searching for.
Pilot program is open for registration, and we'd love to have you on board.
How to Sign Up:
- Visit Medicube.info to register.
- For any questions or assistance, email us at contact@medicube.health
Looking forward to connecting!
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Prepare to unlock the secrets of the ever-evolving 2024 mortgage market with mortgage maestro, Sarah Grace. Together, we navigate the twists and turns that dentists face when diving into the world of home loans. Sarah brings her A-game, forecasting the dance of interest rates and the impact of economic forecasts on whether to lock in a two-year or a five-year fixed-rate mortgage. We're making sense of the financial jargon and offering solid strategies to stay afloat in the shifting tides of real estate finance.
As we tackle the mortgage application process, you'll discover why your pension contributions could be the king or queen of your borrowing capacity. We'll also shine a light on the gender disparities in single mortgage applications and why aligning your tax returns with your income isn't just good practice—it's crucial. Whether you're a financial novice or a seasoned investor, this episode promises to equip you with the foresight and wisdom to make informed decisions. And if you find yourself craving a roadmap tailored to your unique journey, Sarah Grace is only a connection away to guide you through the mortgage currents of this year.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Embark on a transformative journey with Adrian Mateas, as he unveils the raw and enlightening path from novice to virtuoso in the dental squat practice arena. This episode promises to arm you with an entrepreneurial toolkit, forged through the trials and triumphs of creating a thriving dental business from the ground up. Adrian's narrative isn't just a story; it's a blueprint for dentists aspiring to be practice owners, offering a rare peek into the meticulous planning, emotional resilience, and strategic foresight required to navigate the rough seas of the UK dental industry.
Ever wondered how a background in construction could revolutionize the way you set up a dental practice? Pulling from my own well of experience, I reveal how hands-on knowledge in construction became my North Star, guiding me through cost savings, regulatory mazes, and the pitfalls that can financially strain an emerging practice. This episode is brimming with candid advice, urging you to weigh the scales between economical self-reliance and the wisdom of enlisting professionals. Whether you're about to lay the first brick of your practice or looking to refine your current setup, this conversation is an invaluable cornerstone.
The curtain rises on the grand finale, where the spotlight is on the art of a successful dental practice launch. From the magnetic pull of the right location to the viral effect of patient satisfaction, we dissect the strategies that can make or break your business. The wisdom shared here extends beyond initial success; it's about cultivating a robust reputation, assembling a dream team, and steering the ship towards a patient demographic that cherishes and invests in superior dental care. Join us for an episode that doesn't just talk shop – it's a masterclass in the business of dentistry.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Embark on a journey to financial clarity with John Doyle, our sage in the world of pensions, as he sheds light on the perks and pitfalls of Self-Invested Personal Pensions (SIPs) and Small Self-Administered Schemes (SSASs). If you've ever pondered the difference between personal retirement plans and those tied to your employer, or the potential of property investments to bolster your pension portfolio, this episode promises to arm you with the insights you need. We dissect the varied landscapes of SIPs and SSASs, from the intricacies of being a trustee to the strategic maneuvers involved in property investments within these schemes, ensuring you emerge with a game plan tailored for both business owners and individual retirees alike.
Prepare to navigate the often-untold stories of pension holders facing the challenges of provider insolvency, and the windfall that can come from the smart inclusion of commercial property in your nest egg. With real-world examples at the helm, John Doyle guides you through the tangible benefits of schemes, especially the 'loan back' feature unique to SSASs, positioning it as a formidable ally in business financing. Whether you're strategizing for immediate business needs or long-term retirement goals, our conversation is designed to equip you with the tools and knowledge to make decisions that resonate with your financial aspirations. Tune in for a masterclass in optimizing your pension strategy with the acumen of a financial virtuoso.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets of the Bitcoin boom and bust cycle with Neil Swan, our crypto sage who's been riding the digital currency wave since 2013. This episode is a treasure trove for anyone keen to grasp the market's rhythms and the pivotal role of the Bitcoin halving. We strip down complex crypto concepts into actionable insights, revealing how you can harness the cyclical surges to your advantage. With Neil's expertise, we tackle the challenge of sculpting a diverse portfolio that stands firm even when the virtual coins toss in the digital winds.
Embark on a journey through the labyrinth of cryptocurrency investment with guidance from someone who's weathered its storms. We dissect the emotional highs and lows that define the crypto experience, offering sage advice on maintaining discipline amidst market turbulence. I share firsthand how to keep a cool head when others are swept up in the frenzy, and Neil brings to light the exponential thinking required to thrive in a world where the rules of traditional finance are rewritten. Tune in for a session brimming with wisdom, designed to fortify your financial acumen and prepare you for the brave new world of digital currency investing.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Have you ever felt the itch to reinvent your life, to take your expertise and passion and channel them into something entirely new? That's exactly what Dr. Michael Alasaras did when he traded his dental drill for the drawing board, embarking on a journey from oral health to inventive genius. This episode is a riveting narrative of metamorphosis, where a dentist becomes a beacon for innovation, challenging the status quo and transforming the ordinary into the extraordinary.
Our conversation with Michael is not just about a toothbrush; it's about the audacity to reimagine and the dedication to see that vision become reality. He shares how a simple act of curiosity, like taking apart toys in his youth, sparked a cascade of creativity that later allowed him to revolutionize dental products. As you listen, you'll discover the surprising synergy between dentistry and design engineering and why a mindset focused on learning and exploration can lead to game-changing innovation. Michael's insights will inspire both aspiring creators and seasoned professionals to look at everyday objects with fresh eyes.
Tune in as Michael opens up about the nitty-gritty of turning an idea into a thriving business. From crafting a robust patent application to mastering the art of material selection, this episode is a masterclass in entrepreneurship. You'll learn why early market feedback is crucial, the steps to achieving product-market fit, and how to navigate the complexities of branding and trademarking. Join us for an episode that's as much about the joy of creation as it is about constructing a company from the ground up, with a revolutionary dental product that's set to change the face of oral health.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets to a thriving investment portfolio as we navigate the high-stakes landscape of Dubai's real estate market with Danny, a seasoned UK property guru boasting three decades of London expertise. Discover how the shimmering towers and luxury villas of Dubai are beckoning investors with promises of tax bliss and high returns, contrasting sharply with the UK's challenging property scene. Tune in to absorb the strategic insights and personal anecdotes that could redefine your approach to international property investment and secure your financial future.
Feel the pulse of Dubai's growth as we dissect the market's unique dynamics, spotlighting its tax haven status and unparalleled lifestyle offerings. From the safety of leaving your doors unlocked to the sheer opulence of the city's marina, our discussion with Danny paints a vivid picture of what life and investment look like in the UAE's crown jewel. Our conversation isn't just about where to invest; it's an invitation to experience a trustworthiness and quality of life that's reshaping the investment strategies of the savviest players.
Concluding our journey, we emphasize the power of formidable financial planning and the profound impact a trusted client-advisor relationship can have on your investment success. Whether you're a UK dentist grappling with the complexities of transferring company funds or an investor seeking tax-efficient strategies, we've got the insights and connections to guide you through. Join us as we chart a course for investment prowess in Dubai's flourishing property market, and stay tuned for more expert guests who will continue to elevate your financial acumen.
WhatsApp: +971502520247
Phone: +971585796650
Email: d.spencer@barnes-international.com
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————From the roots of an immigrant's dream to the flowering of a dental empire, Dr. Amen Rizvi's tale is a masterclass in ambition and resilience. Embark on an inspiring journey with us as Dr. Rizvi reveals how she evolved from a determined associate to a proud owner of multiple dental practices. Her candid reflections on hurdling financing obstacles and honing leadership skills are more than just career advice; they're a rallying cry for every dentist harboring entrepreneurial aspirations. Dr. Rizvi passionately dismantles the myth that healthcare providers can't be great business owners, lighting a beacon for dentists everywhere to seize their rightful place at the helm of their practices.
The episode continues as Dr. Rizvi artfully delineates the intricate balance required to manage a burgeoning dental practice empire. She graciously guides us through the dance of delegation, where finding competent managers and establishing growth-centric cultures have been pivotal to her success. But it's not all about business acumen; Dr. Rizvi doesn't shy away from the emotional landscape of practice ownership, discussing the isolating yet exhilarating nature of the role, and stressing the importance of continual innovation. We close with a heartfelt expression of gratitude to Dr. Em, whose insights during our enlightening discussion have left an indelible mark on our Denysund Invest community.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unveil the secrets to securing financial freedom with James Taylor, our expert guest who dons two hats—one as a seasoned dentist and another as a savvy financial planner. This episode promises a treasure trove of wisdom, pulling back the curtain on how financial literacy can transform the professional lives of dentists—and any professional, for that matter. As we navigate James's journey, it becomes clear that the tools and education he's harnessed in finance are as crucial to success as his dental scalers are to a perfect smile.
Experience a moment of epiphany as we juxtapose the art of dentistry with the mastery of personal finance. Feel the power of broadening your skillset and the parallels it draws with the film "Limitless," where each new skill unveils untapped opportunities. Our conversation takes us through the empowering path of education, detailing how James's expansion into the financial realm with Dennis Invest has been as revolutionary for his career as adding new treatments to his dental repertoire. His insights demonstrate how continuous learning is not just an option—it's the key to unlocking a world of possibilities.
Get ready to challenge your perceptions of wealth building as we dissect investment strategies and the financial advice that have shaped our fortunes. From flipping the script on traditional investments to embracing the security of diverse assets, this episode is a guide to constructing a financial future as solid as the foundations of the most enduring structures. James shares his personal tactics for mitigating risks and capitalizing on market movements, proving that in the chess game of financial planning, it's the strategic, informed moves that lead to checkmate.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Imagine arriving in a new country with only £500 to your name, then climbing your way to the top of the real estate game. That's the remarkable journey of Seth, our guest this episode, whose transition from an aspiring physiotherapist to a property investment maestro is an odyssey of ambition and savvy. Seth bares it all, from his resourceful use of credit cards to finance his first property to the moment he realized he could live rent-free. His tale isn't just one of personal achievement, but a blueprint for anyone looking to make their mark in the real estate world. His method of leveraging property to eliminate debt and create wealth is a narrative that resonates with the daring and unconventional, and it's sure to ignite a spark in aspiring investors tuned in to our show.
As we peel back the layers of property investment, Seth and I delve into the critical role of location and rental yields, dissecting how these can make or break your investment strategy. Having been in the property trenches for over two decades, I share insights on the necessity of independent financial advice and the power of a strong network in sidestepping potential pitfalls. We traverse through a range of investment strategies, from the straightforward to the complex, like lease options and rent-to-rents. Seth and I craft a session that's not just informative but empowering, aiming to equip you with the personalized tools needed to secure your financial future through property investment. Tune in and be part of a conversation that could very well be the cornerstone of your property odyssey.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets of SaaS pensions tailored for UK SME business owners with our expert guest, Paul Barry. Together, we navigate the ins and outs of Small Self-Administered Schemes, a type of pension that hands entrepreneurs the reins, much like they hold in their business ventures. Paul, with his wealth of knowledge, sheds light on the autonomy and strategic investment potential these schemes offer, making it an episode you can't afford to miss if you’re looking to take charge of your financial future.
Dive into the nitty-gritty of SSAS pensions, as we break down the qualifications and advantages over more traditional pension structures like SIPPs. With the ability to pool resources among up to 11 members, SSAS opens doors to collaborative investments, such as buying business premises. We also scrutinize the recent changes in UK pensionable age and explore how this impacts your access to hard-earned funds. For business owners seeking flexibility in their retirement planning, Paul's insights are the guiding light to navigate these waters.
As we wrap up, the horizon is bright with upcoming episodes that promise to delve into the intersection of SaaS and professional fields like dentistry. Paul's expertise paves the way for specialized discussions, revealing how software as a service can revolutionize financial strategies for dental professionals and beyond. Stay tuned and join the journey to discover how a SSAS pension might just be the missing piece in your financial puzzle.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
———————————————————————Unlock the secrets of transitioning from a skilled clinician to a savvy business owner with Dr. Paul Middha, as he recounts his remarkable journey from dental practice to the spotlight of The Apprentice. This episode is packed with gold nuggets of wisdom, from the importance of financial literacy to the art of balancing clinical excellence and business acumen. Witness how Paul's experiences exemplify the power of embracing challenges and the essence of finding joy in experiences beyond just the financial rewards. His role as a course director and successful practice owner in Leeds is a testament to the boundless opportunities that await when dentistry meets entrepreneurship.
Dive into the art of networking and professional development as we capture the essence of a thriving dental career. I share personal anecdotes, influenced by my mentors Jin and Kish, on the significance of community engagement and the strength found in building relationships. My own path to owning a practice, from navigating various positions during the lockdown to finding my place at Square Mile Dental, showcases that variety is indeed the spice of life. This episode is a masterclass in the importance of tasting different "meals" in your career to discover what truly satisfies your professional appetite.
Finally, step behind the scenes of The Apprentice with an intimate look at the adrenaline-fueled interview process and the meticulous preparation involved in standing out to Lord Sugar and his team. My own unexpected talent that captured the selectors' attention serves as a reminder that unique skills can set you apart. Paul's journey to becoming a contestant, the authenticity of the boardroom dynamics, and the humorous yet intense experiences on the show provide a blueprint for how dedication and a clear vision can open doors to unimaginable opportunities. Join us for an episode that not only motivates but also provides actionable insights for dentists and professionals from all walks of life to expand their horizons and attain new heights.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secrets to a thriving dental practice as Dr. Asad Ramon joins us to blend his clinical wisdom with sharp business acumen. If you're wrestling with the balance between profitability and top-notch patient care, this episode offers the roadmap to harmonize the two seamlessly. Dr. Ramon, an endodontics specialist and the clinician engagement lead at Portman Dentex, sits down to decode the strategies that can elevate your workflow and expand your practice's horizons without compromising the quality care your patients deserve.
Change the trajectory of your dental career with insights into how the right mindset can obliterate limiting beliefs and open doors to premium services and justified pricing. You'll be immersed in firsthand accounts from Dr. Ramon's journey, illustrating that understanding the worth of specialized skills and confronting fears head-on is the cornerstone for both patient satisfaction and increased revenue. Prepare to transform your perspective on value, patient rapport, and how an empowered approach can revolutionize your practice.
Finally, take action on the practical advice presented, from diary zoning to endodontic efficiency, and implement the tweaks that can lead to significant gains for your business. We wrap up with an interactive Q&A session, inviting listeners to engage with us live. And for those looking to connect further, Dr. Ramon is eager to continue the conversation on platforms like Instagram and LinkedIn, offering personalized advice to help you navigate the path to success. This is more than just a discussion; it's an invitation to join a community dedicated to excellence in dental practice management.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secrets to a life of financial independence and the freedom to practice dentistry on your own terms as Dr. Jassy Sidhu joins me, Dr. James Martin, to share his journey of intertwining real estate investment with a dental career. This episode promises to challenge your views on success and financial literacy, providing you with the knowledge to build a lifestyle that transcends the traditional confines of our profession. Explore the depths of property investment, as we reveal why risk-taking in your youth is not a gamble but a strategic move, and how the right mindset can turn stress into a powerful tool for growth.
Step into the world of property management and investment strategies with us, as we dismantle the illusions of gross income and navigate the intricacies of HMOs, single-family homes, and service accommodations. My own diverse portfolio serves as a case study, illustrating the importance of understanding the fine details of refurbishment and tenancy. We aim to inspire you to push beyond comfort zones and grasp the technical knowledge essential for negotiating with builders and managing properties effectively, setting the stage for a thriving investment career.
In our final chapters, we delve into the philosophy of building wealth and the transformative power of financial freedom. Jassy and I discuss the long-term benefits of asset accumulation over immediate consumption, drawing on insights from financial thought leaders and our own experiences as dentists turned investors. By the end of our conversation, you'll be equipped with the wisdom to prioritize long-term wealth, recognize opportunities for growth, and understand the vital role of assets in outlasting inflation. Join us for this enriching dialogue that could be the catalyst for your own journey to financial autonomy and beyond.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Prepare to have your eyes opened as Tony Hammond returns to the Dennis Humefest podcast with an invaluable discussion on the complexities of critical illness and cancer cover. Discover why every principal dentist should consider these protections as more than just a policy, but as a lifeline during the most challenging times. Tony expertly breaks down the evolution of these insurance types, emphasizing the urgent necessity for conversations surrounding illness, recovery, and financial security. As we uncover the real impact of a health crisis on personal and professional life, Tony's insight into tax-free lump sums, severity-based payments, and the potential for multiple payouts becomes an essential knowledge asset for anyone invested in safeguarding their future.
Venture further into the world of critical illness cover with us as we scrutinize the intricate details and benefits of varied policies. From coverage of up to 174 conditions to the perks of 24/7 GP access and second medical opinion services, we dissect the spectrum of options available to ensure you're armed with the information needed to choose your best safety net. Tony doesn't shy away from the tough topics like cancer coverage variability and the importance of policy reviews, as we explore advanced software tools for comparison and the increasing prevalence of critical illnesses. There's a serenity that comes with preparedness, and as Tony highlights the emerging trends in insurance that prize healthy living, remember that the right cover isn't just about survival – it's about living with peace of mind.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Prepare to be captivated by the story of Benyamin Ahmed, a 12-year-old digital Picasso who has turned the NFT world on its head with 'Weird Whales'—his groundbreaking collection that swam into a 300,000-pound success. In a heart-to-heart, Benjamin peels back the curtain on his whirlwind journey through the media and the delicate balance between his staggering online fame and a grounded real-life existence. His humility shines as he reveals the role his peers have played in keeping his feet firmly planted on the ground, proving that even the meteoric rise of a young star is best navigated with a healthy dose of perspective.
Venture further into the enigmatic world of cryptocurrencies and NFTs as we unpack the nuts and bolts for those just setting foot in this digital frontier. We share our bullish sentiments on Bitcoin and Ethereum, the potential upheaval by Ethereum 2.0, and why a dive into crypto's waters requires a sturdy lifejacket of research. Benjamin's 'Weird Whales' serves as a beacon, demonstrating the power narrative and utility wield when they converge in the world of crypto art, hinting at the untapped potential that lies beneath the surface of this evolving landscape.
As we wrap up, the conversation turns reflective, emphasizing the enrichment that comes from indulging your passions. Whether you're a crypto aficionado or simply in search of a spark of inspiration, Benjamin's remarkable journey is a testament to the joy and fulfillment that come from following your heart. His story not only sheds light on the financial intricacies of digital investments but also on the universal pursuit of happiness, leaving us with insights that promise to enhance our lives beyond the screen.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Discover how to sidestep the common blunders that can hamper your financial growth as my former IFA colleague, Luke Hurley, and I dissect the world of investment pitfalls. Prepare to be enlightened on the urgency of initiating your investment journey and the astonishing power of compounding growth, even from modest beginnings. We're peeling back the layers of analysis paralysis, the perils of inflation, and how to craft an investment strategy that truly resonates with your personal financial aspirations.
Venture with us into the depths of investment risk and volatility, where we clarify the misconceptions and illuminate the strategic use of tax wrappers like ISAs and pensions. We're exposing the behavioral finance traps that ensnare many an investor—think performance chasing and overconfidence—and how to navigate through them. Plus, there's a tailored takeout for dentists, as we underscore the importance of financial literacy and the array of opportunities that can fortify your wealth. Whether you wield a drill or a dollar, this episode is your gateway to a more informed and confident investment path.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever faced the dilemma of juggling a burgeoning career with the joys and challenges of motherhood? Sarah's back on our show, bringing her mortgage brokerage expertise to the table, and she's shedding light on a topic that many steer clear of: the intersection of mortgages and maternity leave. As we unravel the financial biases that women, especially self-employed professionals like dentists, encounter during this transformative life stage, Sarah's insider stories and struggles expose a stark reality. Get ready for a candid look at the gender gaps in finance, the injustice of discriminatory lending practices, and the profound impact maternity leave can have on securing a mortgage.
Navigating the financial landscape can feel like an uphill battle for new mothers, but fear not; Sarah's not only here to share the woes but also to offer solutions. We dissect the unfair treatment from lenders that could slap hefty penalties on unsuspecting clients, and we're not just talking about frustrations—we're talking about real-money setbacks. But it's not all doom and gloom; there are alternatives out there. Join us as we discuss how accurate information and supportive financial services can pave the way to a smoother journey through maternity and mortgages. Whether you're a professional grappling with these issues or just someone fascinated by the intricacies of finance, this episode promises valuable insights and actionable advice.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Embark on a captivating exploration with Dr. Amit Jilka as we unravel the secrets behind his impressive leap from a small NHS dental practice to a remarkable empire of state-of-the-art clinics. Are you ready to witness the transformational strategies that lead to exponential growth in the dental industry? Dr. Jilka generously shares his playbook on expanding from a humble two-surgery operation to a powerhouse of four locations, including an opulent private clinic and a dedicated hygiene and therapy service. Discover how aligning with Invisalign and joining the MySmile network became game-changers, and get an exclusive look into Amit's innovative squat practice that doubles as a thriving academy for professional development.
Dive into the technicalities and triumphs of managing a dental practice's growth with finesse and agility, inspired by the challenges overcome by Dr. Jilka. Through meticulous planning, overcoming building constraints, and embracing the art of delegation, Amit successfully transitioned to multiple practice ownership. Learn how strategic marketing and patient engagement laid the groundwork for flourishing new sites, and understand the critical role played by a robust support team in project management and compliance. Plus, get a peek into the business acumen required for thriving in the implant dentistry sector, as we discuss the importance of expanding your patient base and the practical steps to elevate your practice to the next level. Join us for insights that promise to enlighten both budding and seasoned dental professionals.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Prepare to navigate the shifting sands of Capital Gains Tax with the guidance of our expert guest, Mike, a wizard in the realm of dental finance. As the CGT allowance in the UK takes a dive to £6,000 and braces for a further plunge to £3,000, your financial planning strategy demands a makeover. In this discussion, we dissect the impact of these changes on your assets, from property to stocks, and yes, even your digital currency hoard. Mike's insights will equip you to understand the current tax rates and prepare for a potential crypto bull run that could repaint the tax landscape.
Did you know that even your passion for collecting whisky, vintage cars, or watches has tax implications? We venture into the world of 'wasting chattels' and how they dance around the CGT, saving enthusiasts a pretty penny. The peculiarities of alcohol duty tax on your treasured whisky collections are also uncorked, revealing fascinating facets of asset ownership. And as we anticipate more tax reforms on the horizon, we unravel the intricate tapestry of today's tax obligations, painting a clear picture for UK taxpayers.
In the realm of saving versus growing wealth, not all accountants wield the Midas touch in investments. We debunk this myth and focus on how professionals, including dentists with their own practices, can harmonize tax efficiency with life's pleasures. Sharing strategies on enjoying the now while securing the future, we broach topics like maximizing ISA contributions for a more vibrant financial canvas. Furthermore, we demystify the complexities of NHS pensions and tax relief, carving out a roadmap for high-earning individuals to exploit the benefits to the fullest. Mike's expertise lights the way to a pension strategy that not only shelters you from today's tax storms but also builds a robust nest egg for the golden years.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secrets of social media success for your dental practice with the wisdom of Hazel, the visionary behind Lift Dental. This episode promises to reveal how dentists can leverage digital platforms to not only connect with patients but also amplify their SEO and digital marketing efforts. You'll be inspired by transformative tales of dental practices that have flourished online, discovering the compounding benefits that a strong social media presence can bring to your business. Hazel's expert advice on content that captivates will have you rethinking your strategy and eagerly awaiting her exclusive free download, a resource that promises to propel your practice's growth.
Embrace the heart of your dental practice through the personal touch of social media, as we discuss strategies for creating genuine connections with your audience. Learn from the pitfalls others have encountered, including the underrated power of Instagram stories and the crucial need for consistent posting to keep your followers engaged. With a focus on continuous improvement and adapting to the ever-shifting digital landscape, we offer a beacon of hope for those feeling lost in the noise of online chatter. Equip yourself with the knowledge and tools to refine your content, upgrade your equipment, and ultimately, build a loyal community around your practice. Join us for a conversation that's as enlightening as it is actionable, all woven with Hazel's insightful perspective.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Imagine unearthing happiness and self-realization where once stood a life brimming with textbook success; Joanne Phoenix, our illustrious guest, guides us through her transformative journey. From the precision of dentistry to the boundless realms of mindpower, her story is not merely one of change but a revelation of the intrinsic link between financial prosperity and inner joy. We probe the enigma of trauma, discussing how a shift in mindset can turn scars into strengths, and why embracing our entrepreneurial spirit can lead to a thriving existence both in and out of the dental chair. Joanne's wisdom on manifestation is a clarion call to seek wealth not through compulsion but through impassioned pursuit.
The narrative then meanders into the introspective landscape of meditation, where I share the seismic shifts I've encountered on the path to self-awareness and equanimity. Dissecting the nature of growth, we acknowledge every challenge as a stepping stone adorned with lessons and transformation. As we navigate through life's complexities, like a multimillionaire mentor of mine once illustrated, the scale of our problems may grow, but so does our capacity to rise above them. The episode crescendos with Joanne's captivating insights during her guest spot on the Dinosaur Invest Podcast, where she unfurls the tapestry of investing in the prehistoric market, reminding us of the thrilling potential that lies in unconventional ventures. Join us for an episode that promises to reshape your perception of success, inner peace, and the world of investment.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secrets to financial freedom in the dentistry world as Sarah Grace, a mortgage maestro, shares her wisdom on aligning your income with your borrowing potential. Imagine navigating your dental career with the savvy of a seasoned investor; Sarah's insights into early career stages, UDA values, and lender-specific income definitions are the keys to this treasure trove. From the fresh-faced associate to the enterprising practitioner considering a limited company, our chat with Sarah is the compass you need to map out your financial future.
This episode is a must-listen for dental professionals who aspire to make strategic moves in the financial arena. Sarah Grace demystifies the complexities of income as perceived by different lenders, providing a clear path to harnessing your real earning power when securing loans. Whether you're combining salaries and dividends or leveraging business profits, Sarah's expertise could be the catalyst that propels your dental practice to new heights. So tune in and let Sarah guide you through the monetary maze with advice that could redefine what you thought possible in the realm of dental finance.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever wondered why some dental practices thrive while others barely scrape by? The answer often lies in savvy marketing strategies, and that's exactly what Dr. Jamil Torofdar, a dentist turned marketing guru, is here to dissect. With Jamil's guidance, we explore the unique challenges and opportunities in dental marketing—revealing how targeted, in-house efforts can slash patient acquisition costs and why genuine content trumps generic ads every time. This episode promises a deep dive into the world of dentistry ads that are often overlooked but ripe with potential for those willing to think outside the box.
While authenticity might seem like a buzzword, in the realm of social media marketing, it's the golden ticket to engagement. We share an intimate tale of a post about a car accident and its unexpected impact, setting the stage for a broader conversation on marketing strategies that are leading the charge in 2024. From leaflet drops to dynamic Google ads, we cover the gamut of tools designed to capture attention in a crowded digital landscape. Jamil's personal experiences, including overcoming dyslexia, shape our approach to crafting accessible ads, underscoring the importance of consumer-centric content that resonates on a personal level.
As we wrap up, we turn the spotlight on dental practices and their varying approaches to social media marketing. Stepping away from the cookie-cutter content often churned out by AI, we discuss the unbeatable value of personalized engagement and the significant role of Google reviews in cementing a practice's reputation. From practical tips on how to encourage patients to leave stellar feedback to a candid assessment of video testimonials, we deliver actionable insights that can transform a dental practice's online presence. And as a bonus, we're excited to share an invaluable resource—an ebook on finance and investments—for those eager to continue learning long after the podcast ends. Join us for an episode that's as informative as it is enlightening, perfect for dental professionals aiming to bite into the meat of marketing mastery.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secrets of financial wizardry within the dental industry as we engage with Rida, a mastermind in business operations, who divulges his innovative strategies for bolstering the bottom line of dental practices. With over twenty years of expertise, Rida's dyslexia-inspired approach has led to eye-opening revelations in cost management, proving that judicious expense management can have a more profound impact than simply boosting turnover. He recounts a jaw-dropping feat where he helped a practice save an astounding £18,000 in a mere 21 minutes, offering a glimpse into the transformative fiscal possibilities that await. Our conversation navigates through previously uncharted territories of financial efficiency, shedding light on the seldom-discussed business acumen, or lack thereof, among dental professionals and how it can be leveraged for significant economic advancement.
Prepare to be enlightened on the art of negotiation and the elusive 'dentist tax', as Rida, with his experience in construction and IT project management, equips us with the skills to combat inequality in service pricing. From an anecdote that exposes the stark inflation of quotes when projects are associated with dental practices, to advocating for comparison shopping among suppliers, this episode is an arsenal of tactics aimed at safeguarding your practice's purse. We also dissect the nuances of navigating business expenses, from the shocking surge in utility bills to the subtleties of payment processing choices, revealing crucial strategies for diligent financial stewardship. Amidst discussing the perils of deceptive sales tactics, we underscore the paramount importance of mental health and the indispensability of a support network that ensures the smooth sailing of your practice both financially and emotionally. Join us for an enlightening session that promises to transform the way you perceive and handle your practice's economics.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Imagine transforming discontent into triumph—this is the narrative of Dr. Bobby Bandel, who broke free from the chains of associate dentistry to pioneer his very own dental squat practice. Our latest episode offers a treasure trove of insights as he recounts the journey to setting up a flourishing business in the heart of Leamington Spa. Tackling a saturated market and financial constraints head-on, Bobby dissects the essentials of a robust business plan and the escalating costs of establishing a new practice. As we unravel his story, you'll gain a fresh perspective on the burgeoning shift in patient awareness towards private dentistry and the opportunities that arise even amidst fierce competition.
Step into the realm where difficult conversations catalyze growth and business decisions carry immense power. In an engaging dialogue with Bobby, we dissect the art of navigating challenging discussions and their profound impact on personal and professional development. The episode pivots to the nuanced decision between starting from scratch or acquiring an existing dental practice, weighing the advantages of cost, control, and potential growth. Listeners will find encouragement to seize the moment, with the assertion that business acumen can triumph over macroeconomic obstacles. By the episode's end, you'll feel not just informed, but equipped with actionable insights. And for those enchanted by Dr. Bandel's vision, we share ways to connect with him on social media and continue learning from his experiences.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secrets to a robust financial future with our special guest, John Doyle, an independent financial advisor who brings his post-gym vibrancy to a riveting conversation on crafting your 2024 financial plan. Whether you're basking in the Dubai sun or shoveling snow elsewhere, John's expertise in personal goal setting and money management will empower professionals across the board. Our chat navigates the complex terrain of financial structuring while sprinkling in personal anecdotes, like John's dedication to his daughter's education, highlighting the universal relevance of proactive planning. By the episode's end, you'll not only have soaked up invaluable advice but also be privy to an exclusive live interaction with John, a chance to directly elevate your financial game.
This episode is a journey through the essential elements of personal finance, addressing the subtle drain of subscription creep and embracing the Japanese wisdom of Kakebo for intentional spending. UK dentists, in particular, will benefit from our targeted guidance on maximizing income within the tax framework and the critical synergy between accountants and financial advisors. We strike a balance between Aristotle's golden mean and the discipline of saving, offering insights that resonate with the aspirations of self-employed individuals and those plotting the course for their financial future. Tune in for a wealth of knowledge that offers not just strategies but a philosophy for achieving financial well-being and taking confident control of your economic destiny.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Embark on a transformative journey with Dr. Vishal, the mastermind behind turning a dated dental practice into a model of modern success. As we converse, you'll be privy to the intimate details of how Vishal, along with his wife Smita, conquered the challenges of outdated decor and a despondent staff, to revolutionize a traditional business model. Their story is not just an inspiring narrative, but a blueprint for dentists and business owners alike, who are seeking to infuse new life into their practices and reap the rewards of systemization and efficiency.
In the heart of our discussion, witness the strategic finesse required to foster a culture of productivity and positivity within a workplace. The episode takes you through the meticulous process of setting daily targets, cash flow monitoring, and the courage needed to tackle those difficult, yet crucial conversations that pivot a business from stagnant to stellar. Vishal's experience is a testament to the pivotal role of dynamic leadership and the profound impact of aligning a team with a unified vision of success.
As we wrap up our time with Vishal, we're left with the undeniable importance of soft skills as the cornerstone of a profitable practice. Sharpening one's communication abilities, structuring patient interactions, and the clever application of scripts to ensure consistency, are but a few of the nuggets of wisdom shared. The anticipation for future discussions with Vishal is high – his insights are a well of knowledge for those ready to take their practice to the next level of growth and efficiency.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secrets of a resilient financial future with wealth coach Jody Phelps, as she joins us to unravel the complexities of money management and the psychology that underlies our fiscal behaviors. Through her transformative experiences and over a decade of expertise, Jody illuminates the path for anyone seeking to navigate life's unpredictabilities with financial savvy. Prepare to shift your perspective, as we discuss the critical importance of readiness for change, the pitfalls of intertwining finances in relationships, and how to emerge from significant life events with your financial goals intact.
Venture beyond the numbers and discover how to cultivate a harmonious relationship with your finances. We're breaking down the barriers of childhood financial misconceptions, recalibrating our adult spending habits, and introducing strategies that align your budget with your dreams. Say goodbye to the guilt of 'fun money' and reclaim your joy, as we explore innovative alternatives to retail therapy and challenge the traditional avenues of investment and business ownership. It's time to embrace a modern approach to wealth, where entrepreneurship and a diversified portfolio become your tools for building a life of financial freedom.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the investment wisdom that withstands time's test with our special guest, financial guru Matt. We're taking our Dentistry Invest community through a treasure trove of knowledge, perfecting your financial plan with insights that cater specifically to the nuanced world of dentists and doctors. From the foundational importance of a personalized financial strategy to the intricate dance of asset allocation, we dissect the elements that will bolster your portfolio's resilience and growth. And if you're tuning in live, you're in for an extra treat – a resource tailored to elevate the dental professional's investment game.
As we wade deeper into the wealth-building journey, Matt and I lay out a four-step master plan that simplifies the complex world of financial accounts – think ISAs, pensions, and investment accounts – by bringing them under one roof. We scrutinize the critical process of selecting a platform that marries both your financial needs and goals, all while keeping costs in check. Don't be fooled by the mirage of quick riches; we're here to arm you with the strategies for genuine, long-term passive income through smart investing. So, join us for this episode packed with profound insights and turn your financial aspirations into tangible realities.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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When passion for wellness collides with entrepreneurial spirit, incredible things can happen. Just ask Pippa Nichols, a dentist who saw beyond the clinic walls and into the heart of innovation, creating her very own brand, Dimples, with a revolutionary fluoride alternative toothpaste. Let her story ignite your curiosity as we uncover the remarkable potential that lies within the realms of dentistry when it merges with the world of business.
Embarking on the business journey is akin to setting sail into uncharted waters, filled with lessons in humility and the triumphs of navigating through doubt to find success. Pippa's experience with social media influencers and learning the ropes of logistics proves that the entrepreneurial path is as much about personal growth as it is about professional development. Her candid insights offer a beacon of guidance for anyone looking to chart their own course in the business world.
Yet, it's not all about the hustle; it's also about finding balance and joy in what you do. Pippa shares her philosophy of blending part-time dentistry with her burgeoning business, allowing her to savor moments with loved ones without sacrificing professional fulfillment. For those feeling the itch for something more than the day-to-day grind of clinical practice, Pippa's journey is a call to explore the endless opportunities and to reach out for a slice of that entrepreneurial pie. Join us and witness how one dentist's vision can lead to a richer, more diversified career path.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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As we shake off the holiday slumber and leap into the new year, let the revelations of personal growth and the pursuit of ambitious goals fuel your fire. In our latest episode, I lay bare the transformative journey of the past year, dissecting the lessons etched into the fabric of my aspirations, and invite you to consider the richness of success that extends beyond dollars and cents. It's a heartfelt confession and celebration of how our goals evolve, shape us, and reflect the depth of our personal development.
Strap in for a ride that challenges the very notion of achievement. Embracing the wisdom of visionaries like Elon Musk, we'll explore why reaching for the stars with our goals could land us on the moon, metaphorically speaking. I'll share why a 60-70% goal completion rate isn't just acceptable but indicative of a mindset that's geared towards monumental personal and professional strides. By the end of our talk, you'll be armed with a perspective that empowers you to pen down your 2024 ambitions with a newfound zest, perfectly poised for a year of unparalleled growth.
Ever felt lost in the maze of investment options? Fear not, because this episode of Dentist Who Invest is your compass to navigating the world of Individual Savings Accounts (ISAs) with the wisdom of finance guru Luke Holly. Together, we're unraveling the complexities of ISAs, ensuring you have the knowledge to choose the right tax wrapper and platform that aligns with your investment goals. Luke's insights promise to transform your approach to building a robust investment portfolio.
The conversation steers through the nuances of transferring ISA investments, from exit fees to the types of transfers, ensuring your financial ship stays the course. We compare top-dogs like Hargreaves Lansdown and Vanguard, dissecting their fees, functionalities, and investment options to help you pinpoint the provider that fits your financial journey like a glove. It's not just about choosing a provider; it's about fitting that choice seamlessly into your long-term financial strategy.
But wait, there's more to the equation than just ISAs! We're peering into the broader landscape of investment platforms, highlighting the trade-offs between user-friendly interfaces and cost-saving fee models. As we wrap up, we peek into the crystal ball of tech, pondering the future of unified investment apps, and tease the potential dive into the world of pensions and platform fees in upcoming episodes. So, buckle up for an enlightening journey through the investment universe with Dentist Who Invest.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Navigate the nuanced world of dental practice buying with finance maven Kevin Saunders, as 2024 presents a whole new playing field. We dissect the impact of last year's market swings and interest rate hikes, discussing how these changes shape your approach to acquiring a dental practice. Kevin lends his sharp expertise on the resurgence of interest in practice purchases, guiding us through the crucial steps of financial vetting and setting realistic vendor expectations amidst heightened borrowing costs. For anyone pondering the leap from associate to owner, this conversation offers a wealth of advice on navigating the stricter lending landscape and strategically selecting a practice with true potential for growth and profitability.
This episode isn't just a rundown of numbers and market trends; it’s a masterclass in the financial and personal commitment behind a successful practice acquisition. With Kevin’s insights and our listeners' interactive contributions, we delve into what it really takes to make a sound investment in today’s dental industry. And as we wrap up, we ensure you're not left hanging; details for reaching out to Kevin post-show are shared, and we set the stage for future discussions in 2024 that promise to reflect on how these insights hold up as the market continues to evolve. Tune in for an episode that's as informative as it is essential for any dentist ready to take the reins of their own practice.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Could the 2024 property market be on the brink of a crash? Get ready to dive into this whirlpool of uncertainty with us and our returning guest, property giant, Dr. Jassy Sidhu. In this lively debate, we dissect the prevailing market trends, scrutinize the high interest rates, and expose Jassy's intriguing strategy tweaks to weather the storm of 2023. He lends us his expertise, dissecting the market's potential pitfalls and promising opportunities that can shape your property investment journey.
Ever wondered what it's like to turn a derelict pub into a bustling 15-20 bedroom HMO? Join us on a thrilling expedition as we navigate the treacherous waters of planning permissions and weave our way through the labyrinth of local authority relationships. This rollercoaster ride of a property venture is a testament to the power of networking and the importance of persistence. And yes, there are bumps along the way, but we'll show you how these can be turned into PR goldmines. So, buckle up, it's going to be a wild ride!
As we swing open the doors to the world of property development, we shed light on the crucial elements of construction progress management and the fine art of delegation. Communication is the cornerstone here, and we'll share our tried-and-tested tools and experiences that have made our projects a success. And if you're thinking, "But what about long-term investments?", we've got that covered too. Prepare yourself for a deep-dive into the common myths of property timing, the importance of due diligence, and why a long-term investment strategy could be your best bet. So, come along for a fascinating journey into the future of property investment.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Dive into the world of dentistry profitability with our enlightening conversation with Dr. Amit Jilka, celebrated for his ability to increase dental practice profitability. We journey with him from his humble beginnings with a single surgery practice to now managing an empire of 13 surgeries across three sites. Uncover the secrets to his exponential growth, his emphasis on efficiency, value, and broad scope of treatments, and how he became renowned for offering specialized treatments such as implants and Invisalign.
Maximizing profitability goes beyond the chair and involves the entire team. Dr. Jilka speaks on the critical roles within the dental practice, from the Treatment Coordinator (TCO) with their exceptional patient communication skills to the New Patient Coordinators (NPCs) managing inquiries and appointments. We touch on team building, focusing on the necessity of aligning your associates with your practice’s brand and values. We then shift gears to discuss the importance of a healthy work-life balance even in the race for profit.
Lastly, we elicit the wisdom of implant dentistry expert, Amit Jilka. The topic? Tailored practice plans and amplifying implant numbers. Every practice is unique, and Patel emphasizes the importance of adapting to individual practice needs. He shares his expertise and hints at more to come, promising an ongoing wealth of knowledge for the dental community. This episode is a treasure trove of practical insights and tips from successful practitioners. Tune in and let their experiences guide your journey to a more profitable dental practice.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Imagine being handed the keys to a fulfilling, purpose-driven life. That's exactly what we're doing on this milestone, the 200th episode of the Dennis Union Best podcast. We reflect on our incredible journey so far, deep-diving into the lessons we've learned, the content we've created, and the unique voices we've amplified. We express our heartfelt appreciation for each listener, guest, and team member who has been part of this journey. Moreover, we're here to inspire you to share your unique story, create your distinctive content, and be open to thrilling, new experiences.
Ever wondered about the mental barriers holding you back? We're about to shatter them. We reveal five life-altering nuggets of wisdom that can catapult your personal growth. We talk about cultivating an open mind, embracing the fluidity of beliefs, surrounding yourself with positivity, fostering self-awareness, and taking fearless action. We present these insights in a casual, conversational style, making it easy for you to grasp these principles and apply them to your life. Remember, life isn't just about surviving; it's about thriving.
And speaking of thriving, we spin the conversation towards two intriguing concepts: money and leverage. We demystify money's creation by central banks and challenge common beliefs around it. Then, we explore the power of leverage - the ability to multiply output per input. We dissect the four fundamental methods of leverage: human cash, software, media, and collaboration. To make this more relatable, we draw examples from successful individuals like Elon Musk and Bill Gates, showing how they've leveraged their resources. We want you to leave this episode empowered with knowledge and ready to harness the power of leverage for wealth and success. Let's continue this journey together, growing with every step we take.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Safeguard your finances and future with the insightful guidance of Tony Hammond as we learn about the criticality of income protection insurance for dentists. Grasp the importance of setting up your personal sick pay scheme, acknowledging the 34% chance for a 40-year-old non-smoking dentist to be incapacitated to work for one month or more before retirement age. Discover the different types of income protection and the average claim period, underscoring the need for a financial safety net for those in the dental industry.
We dive deeper into individual and business income protection options, revealing the benefits of value-added services like access to a 24/7 British GP and second opinion service. Understand the difference between key person income protection and regular income protection, and how they serve different purposes for businesses. Additionally, we illuminate the importance of estate planning, especially for parents, and the significance of having a will and guardianship plan in place. Learn from Tony's expertise how strategic financial planning can ensure a secure future for you and your loved ones. Tune into an episode packed with must-know financial nuggets for all dental professionals!
What if you had the power to bypass the advice gap in financial advising and take control of your own financial future? This episode unravels the concept of the advice gap, a phenomenon stemming from the financial advisory services' structure where wealthier clients become more alluring due to the larger percentages advisors can earn from managing substantial portfolios. This often leaves early career professionals on the sidelines, unaided by expert financial advice.
Dive into a step-by-step guide to independently manage your financial affairs, especially crucial for those under 40 at the start of their careers. We explore the 'buy and hold' strategy, revealing how to effectively use it for maximum wealth growth. By equipping yourself with the right knowledge and understanding how to implement these strategies, you won’t fall victim to the advice gap; instead, you'll be primed to manage and grow your wealth successfully. Listen in and empower yourself to bridge the advice gap, one informed financial decision at a time.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Are you prepared for what the recent autumn statement changes mean for your tax deductions as a dentist? Wonder no more as David Hossmann, our dental accountant expert, and I, James, unravel the complexities of the budget, its objectives, and their implications for dentists. We tackle tax cuts for the self-employed, personal allowance increases, basic rate bands, and the newfound permanence of capital allowances for businesses investing in assets. While the budget may seem uninteresting, we provide enlightening insights into its clarity regarding tax deductions for dentists.
As we move into the second half of our discussion, we shift the spotlight to the changes in the national living wage and national insurance. We probe their potential effects on staff costs for dental practices and investigate the current state of the dental market. Listen in as we expose the increasing corporate ownership of a significant chunk of the dental market and share ethical strategies for dentists to minimize their tax bills. Plus, you'll gain access to a free ebook on the subject. So, whether you're a dentist looking to understand the financial landscape or merely interested in the dental industry, this episode is a goldmine of information.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Why haven't I ever put a single penny into a pension fund? It's a question that sparks heated debates and garners diverse viewpoints. As we navigate this minefield of perspectives, I open up about my own investment strategy, casting a spotlight on two key factors: tax implications and accessibility. Pensions may offer tempting tax benefits, but they tie up your money until retirement. I've chosen a different path, investing in other ways and prioritizing the continuous upgrade of my skills and knowledge - an asset that's always at my disposal.
Stirring up controversy is part of the journey. As I share my unorthodox perspective, remember that it won't resonate with everyone - and that's okay! I've encountered both agreement and disagreement, and that dynamic conversation is what makes this topic truly fascinating. This episode underlines the value of understanding different views and finding a shared understanding. So, get ready to challenge your preconceptions and join the conversation - it's an insightful ride you don't want to miss!
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Imagine living life without regret. Today, we take you on a journey through the poignant findings of a survey conducted by Bronnie Ware, a nurse who uncovered the top five regrets of the dying. We discuss these universal regrets, not with melancholy, but as a wake-up call to live a more fulfilled life. We lay out the wisdom of those close to their final days, including the importance of authenticity, risk-taking, emotional expression, friendships, and the pursuit of happiness.
We dive into these profound lessons, exposing the traps we often fall into and offering practical steps to avoid them. We go beyond the realms of finance and business, challenging you to shift your entire life perspective. We share personal experiences, shedding light on the significance of leaving your comfort zone, fostering relationships, and finding happiness in the here and now.
Closing our episode, we reflect on these powerful regrets and discuss how we've applied these lessons to our own lives. We invite you to do the same, to examine your life and make the changes necessary to live without regret. By embracing these lessons, you can open the door to a life filled with happiness, satisfaction, and the freedom of knowing that when your final days come, you will look back with no regrets. Tune in, learn from the wisdom of those who have tread the path before us, and transform your life today.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever wondered how exactly dentistry can cross paths with finance? Put on your headphones and join us for an enlightening chat with financial planner Luke Hurley. With a decade's worth of experience under his belt, Luke is here to demystify the financial world for all those dentists out there. We dive into the heart of the matter - assets that could potentially supercharge your financial journey. By the end of this episode, you will be able to translate complex financial jargon into practical wisdom that can empower you to manage your finances more effectively.
Now, let's get down to brass tacks. Which asset classes have been showing promise? How have they performed over the past century? Stick around as we traverse through the fascinating landscape of finance and investment, shedding light on the power of compound growth, the allure of emerging markets and global equities. But remember, the key is to keep your eye on the long game. So get ready to redefine your financial planning approach with our expert analysis and invaluable insights.
To round off this enlightening discussion, we dissect portfolio construction and the pivotal role asset allocation plays in shaping investment returns. But there's more to it than meets the eye - your goals, risk tolerance, and investment horizon are all part of this complex equation. We also navigate through the potential pitfalls of inflation and the risks associated with hoarding cash. Oh, and if you're a dental student, we have some investment tips tailored just for you! Look out for our next episode where we bring in David Hossine to talk about taxes. It's about time you started taking control of your financial future, don't you think?
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Unlock the secret to quadrupling your dental practice's turnover as we sit down with the stalwart of the industry, Dr. Barry Alton. We promise you an insightful journey, where you'll discover the significance of small improvements and patient-centric care in transforming your practice. Drawing inspiration from Dave Brailsford's British cycling squad and James Clear's "Atomic Habits," we'll reveal how minor changes can lead to monumental results.
Let's redefine what a successful dental business looks like. It isn't all just about innovation and marketing, it's about understanding how to effectively communicate with your patients. We share personal anecdotes of how better communication helped us shatter self-limiting beliefs and make better choices for our patients. We also delve into the power of positive mindset and how our beliefs shape our reality. Our special guest, Dr. Martin joins us to share his message of positivity and the concept of manifestation.
To wrap it up, we explore the language of dental practices, discussing how subtle changes in communication can create a better experience for your patients. We'll talk about upfront contracts, punctuating information, and most importantly, the art of listening. Ending on a high note, we discuss the power of positivity, and how maintaining a positive mindset can transform your practice and your life. So, come along for this insightful journey and change the way you see your dental practice.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Are you ready to break away from the 9-to-5 grind and chart your own path to financial freedom? Join us as we sit down once again with Dr. Julian Keen, a successful dentist who has transformed his life through smart investments and the power of the subconscious mind. Julian opens up about his journey, the importance of surrounding yourself with the right team, and how paying it forward has been a vital element in his success.
The conversation doesn't stop there. We dive deep into the realm of expertise, exploring the balance between having a broad knowledge base and honing in on a specific skill set. Inspired by the likes of Elon Musk, we discuss the importance of knowing the basics and continuous self-improvement. We also touch on the power of setting clear, meaningful goals, and the role of patience and resilience in reaching those goals.
Wrapping up, we address the importance of financial resilience, focusing on the lessons we should be teaching our children. Julian shares his philosophy behind long-term investing, emphasizing the need for different perspectives to foster personal growth. We even touch on a chance encounter with a billionaire, underscoring how stepping out of our comfort zones can lead to incredible opportunities. Tune in for an episode full of life lessons, financial tips, and stories from the heart.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever wondered what truly gives value to a dental practice? In an engaging dialogue with dental finance expert Kevin Saunders, we peel back the layers on the concept of goodwill and how it influences the worth of a dental practice. We dissect current market trends, potential for expansion, and the critical role of equipment. Kevin sheds light on the lending practices of banks, revealing the golden rule - 80% of the goodwill value. Whether you're an aspiring owner of a dental practice or considering selling yours, this discussion will equip you with the knowledge you need.
Navigating the waters of financing dental practice purchases, we examine the common situations of practice acquisition and the significance of goodwill arrangement. Kevin shares insights on how associates can raise 80% of the goodwill value and the dynamics of market trends. We delve deeper into the potential of investing in smaller practices and the nuances of loans when setting up a squat practice. And for the wellness enthusiasts, Kevin guides us through an enlightening session on aromatherapy, expounding on the power of essential oils for relaxation, stress relief, and boosting your immune system. Tap into Kevin's expertise, and don't miss this episode packed with valuable insights for both your professional and personal life.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ready to navigate the choppy waters of the mortgage market? Join us as we sit down with the virtuoso of mortgages, Sarah Grace, who shares her expert insights into the recent volatility, market stability, and what the future might hold. Sarah breaks down the complex world of mortgages, shedding light on the impact of Liz Trust's announcement that caused a stir in the market, and the subsequent stabilization phase that followed.
In an enlightening discussion, we delve into the implications of the Mortgage Market Review and speculate on the possibilities of rates below 6%. Sarah also puts the spotlight on the recent exit of Scottish Widows from the market and shares her expert opinion on when might be the best time to enter. Whether you're an investor, a homeowner, or just a mortgage market enthusiast, our conversation with Sarah is packed with a wealth of informative gems you won't want to miss. Prepare to be enlightened about fixed rates, swap rates, and the intricate dynamics of the mortgage market.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever found yourself in the middle of a financial jargon-filled conversation, feeling like you're in a foreign country? Well, you're not alone. Join us in our chat with Dr. James Martin, a dentist with an intriguing passion for finance. Learn how his journey from confusion to comprehension can empower you with the financial literacy you need to take command of your finances and to cultivate wealth.
Delving into the world of assets, we had an enlightening discussion with Dr. Martin about lifestyle and growth assets. Imagine transforming your home or your favorite piece of art into an avenue for wealth creation. We also ventured into the realm of professional excellence, examining how your skills, knowledge, and time management can lead to immense cash flow. At the end of the day, it's not just about being busy, it's about being productive.
In the pursuit of success, change and personal growth are inescapable. But what if we told you that having a mentor could make this journey less daunting and more rewarding? Dr. Martin shares his philosophy on this, advocating for the power of mentorship in unlocking your potential. Not someone to dictate your life, but a guide to help you navigate the financial world. Let's redefine comfort, let's embrace wisdom, and let's accelerate our journey to financial freedom together.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever pondered how your beliefs could be the invisible puppeteer pulling the strings of your financial success or failure? In today's enlightening episode, we pull back the curtains and probe into the profound influence our beliefs, especially those stealthily ingrained during our childhood, have on our financial progress. We throw light on how these beliefs, often unchallenged and erroneously perceived as fundamental laws of the universe, can be the barriers barricading our path towards success. We also illustrate this with a captivating analogy of viewing the front door of your house as lava, revealing how such misguided beliefs can sabotage our potential and goals.
Steering our discussion towards financial freedom, we delve into how our beliefs can either fuel our quest for it or throw us off track. Money, as we emphasize, is not an evil entity but merely a tool to aid us in achieving our dreams. However, our subconscious, a potent influencer of our beliefs, can often unknowingly sabotage our journey towards financial freedom. We end with a uplifting note, highlighting how our beliefs, if channeled correctly, can be employed for positive impact such as philanthropic endeavors or innovating products that serve humanity. Tune in to this eye-opening episode to uncover the intricate relationship between your beliefs and financial success.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Are you feeling overwhelmed when it comes to inheritance tax planning? Allow us to break it down for you with the help of our esteemed guest, Jon Doyle. We get into the nitty-gritty of understanding your financial situation, uncovering the value of your estate, and evaluating if you have an inheritance tax problem. Jon, a seasoned IFA, guides us through how strategic planning using exemptions and allowances can align with your financial aspirations and lessen the burden of estate planning.
But that’s not all. We delve deeper into the realm of pension income and intergenerational planning. You'll be amazed by the tax benefits of passing down pension income to your next of kin, especially if you're under 75. Jon enlightens us on how a dependents pension can allow withdrawal up to 10,000 pounds a year tax-free. Wondering how to use these funds? We discuss how they can be utilised for paying off mortgages or gifting a lump sum. This episode is a treasure trove of insights into estate planning and inheritance tax, so don’t miss out!
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever wondered how a teenager selling dental products to dentists ended up achieving financial freedom through property investment by the age of 30? Meet Rob Bridgewater, a property investing aficionado, who, despite facing numerous challenges, navigated his way through the ever-changing property market and successfully leveraged cash flow assets to build a stream of passive income. Join us as Rob sheds light on the concept of cash flow assets, the importance of strategic area selection, the complexities of House in Multiple Occupation (HMO) investments, and the necessity of starting small.
Driven by his ambition to achieve financial freedom, Rob moved mountains, even convincing his parents to co-invest in his first property when he was just 19. But the journey was not without its trials. Tune in as Rob candidly shares the lessons he learned along the way, including insights into the challenges of achieving high cash flow, the hurdles that come with HMO investments, and the importance of being tax-savvy. As he shares his journey, Rob offers invaluable tips on how to adapt to the property market's changing dynamics and maximize profit margins. Don't miss out on Rob's compelling story and his secrets to long-term investment success. Whether you're a seasoned property investor or just starting out, there's plenty to learn from Rob's experiences.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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This episode promises to crack open the mystery with our expert, Tom, a former Harley Street therapist. We delve into the concept of a 'financial thermostat', examining how it influences our financial trajectory and how our subconscious beliefs about money can significantly affect our financial well-being.
We're not just talking about making more money though. Tom takes us on a journey to understand that success isn't solely about the dollars in your bank account. It's about achieving a balance between financial success and life contentment—creating a lifestyle that brings peace, focus, and joy. We challenge the conventional notion of 'working harder to earn more' and explore how a balanced life can lead to greater financial prosperity.
As we move forward, we uncover the power of self-improvement and its role in propelling us towards financial success. With Tom's guidance, we navigate the complexities of our relationships with self, family, and money. We discuss the potential hurdles in our path to financial achievement, including ingrained fears and our family's attitudes towards money. Wrapping up, we touch upon the power of gratitude and the role of blessings in financial prosperity. It's time to rewire your beliefs about money, so join us for an insightful discussion that's sure to change your perspective on financial success."
NOTE: Please ensure to maintain the tone of the show notes as per the content of the podcast episode.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever dreamt of scaling the dizzying heights of dentistry? We hear from four pioneers in the field, offering insights into their groundbreaking work. Nick Hill gives us a tour of how ICAM4D is revolutionizing full arch implants, while Dr. Sheela Lai takes us through her remarkable journey in non-invasive aesthetic treatments. Also, join us as Dr. Chetan Matias spills the secrets behind a successful and efficient dental practice, and Dr. Dev Patel underscores the pivotal role of mentorship in professional growth.
What if we told you, your road to success is paved by your failures? Dr. Lai exemplifies this by emphasizing the need to reinvest in oneself, while formulating a specific skill set and engaging with likeminded clinicians. Additionally, Dr. Patel narrates his own tale of trials, tribulations, and triumphs, primarily highlighting how mentorship accelerated his path to success, and how it could do the same for you. Dr. Matias adds another layer to this discussion by encouraging us to push beyond our comfort zones to explore the uncharted territories of dentistry.
How about infusing your dental practice with a dose of intensity, coupled with the right balance of relaxation and celebration? Join our engaging dialogue with Nikhil, Shreya, and Dr. Dav, who underscore the importance of surrounding yourself with individuals who challenge you, while also emphasizing the necessity of down-time and celebrating victories. And as we wrap up, we not only anticipate our next event but also acknowledge the strength of community and the power of perseverance in our shared profession. Get set to uncover the secrets of dental success, as we journey together through innovation, mentorship, and beyond.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever wondered how you could protect your family and business financially should a critical illness strike? On the latest Dennis Invest podcast, we tackle this crucial question as we invite Tony Hammond, our go-to expert on critical illness cover. Tony brings to light the four main conditions that make up 90% of all claims: cancer, heart disease, stroke, and other illnesses. He underscores the necessity of having a financial safety net such as this, considering how prevalent these conditions are worldwide.
Venturing deeper, we uncover the role of critical illness insurance in businesses. Tony enlightens us on how it serves as a replacement for lost income in case of a long-term absence due to illness. But don't be fooled, not all critical illness policies are the same, and Tony helps us navigate through the complex world of policies and mortgages. Wrapping up the conversation, Tony extends an open invitation for a free review of your critical illness policy. Bottom line, Tony's insights are indispensable if you want to safeguard your loved ones and your business in the face of critical illness. Tune in and arm yourself with knowledge!
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever considered the journey to financial freedom as a vehicle ride? You're either pedalling on a bicycle, riding on a bus, or zooming in a sports car, and your choice defines your relationship with wealth. You may think it's a stretch, but I promise you, by the end of this captivating discussion, it will all make perfect sense. We delve into the intriguing concept from Jay DeMarco's 'The Millionaire Fast Lane', exploring what each vehicle symbolizes in terms of financial planning and growth.
Are you pedalling aimlessly on a bicycle with no financial plan? Or perhaps you're on the bus, on the slow but reliable path to wealth, but longing for more speed and individuality? Or are you in the high-risk, high-reward sports car, trying to accumulate wealth rapidly? Your financial journey doesn't have to be a monotonous ride. We share insights on how to assess which vehicle is right for you, and how to take the driver's seat to map out and navigate your unique journey to financial freedom. Jump in, fasten your seatbelt, and let's steer towards financial freedom together.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Are you exhausting yourself trying to juggle too many tasks at once? What if there was a transformative approach to achieving your goals without burning out? Tune in to our enlightening discussion on the 'Who, Not How' philosophy, birthed from Dan Sullivan's book. We unpack Sullivan's concept of outsourcing tasks to skilled professionals instead of shouldering everything ourselves. You'll discover that life is about the results we produce, not just the tasks we complete, and sometimes it's more efficient to hire an expert.
In this episode, we delve into the results-driven mindset and the power of strategic thinking. It's time to rethink your approach to projects and objectives; instead of asking 'how can I do this?', try asking 'who can help me?'. We offer practical examples of how implementing this philosophy can accelerate your progress in various life areas. We also discuss the idea of investing time or money for knowledge, the value of having a mentor, and how knowledge compounds over time. This thought-provoking episode is sure to alter your perspective on task management. Don't miss it!
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Are you prepared to challenge your understanding of passive income? Let's clear the air and get down to the nitty-gritty of residual income and the effort it takes to attain it. We're going to dissect the idea, breaking it down into its primary components — work and assets. With a focus on the four types of assets - lifestyle, business, growth, and cash flow, we'll arm you with knowledge that will enable you to devise an income strategy custom-fit for your lifestyle.
But we're not stopping there. We'll guide you on how you can leverage each of these asset types to generate a continuous income stream. From exploring the stock market's potential to diving deep into property investments, we've got your back. And because we believe in working smarter, not harder, we'll share strategies to help you maximize output while reducing working hours without sacrificing income. So join us, as we delve into the art of creating a system that generates residual income, empowering you to increase your remuneration per unit time.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Interested in understanding the finer points of investing in a high-interest rate environment? Together with financial wizard Jon Doyle, we peel back the layers to reveal the mindset of a financial advisor when it comes to cash investments and long-term financial planning. We explore the allure of high-interest cash products and ISAs, while cautioning against the dangers of recency bias. It's time you heard how a monetary policy of 5.5% interest rate not only makes cash appear as an attractive investment opportunity but also challenges us to consider the broader financial picture.
Rounding off our conversation, we discuss the strategy of investing in short-term cash products, each uniquely tailored to your financial needs. Whether you're navigating a fixed-rate mortgage or planning for school fees, John Doyle lends his expertise on managing liquidity and planning for big-ticket purchases or tax obligations. We emphasize the role of education and trust in making investment decisions, making sure you understand the purpose of money and can make informed choices. Join us, as we help you chart your course in the stormy seas of high-interest rates.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Imagine a world where your dental practice is effortlessly efficient, wildly profitable, and offers you an ideal work-life balance. Sounds too good to be true? Not according to our guest for the day - David Holmes. A practicing dentist with a knack for data, David has cracked the code to leverage data for improved profitability, efficiency, and balance in a dental practice. His journey into the realm of data and the insights he has gathered along the way is nothing short of fascinating.
Data and automation are the forces propelling dentistry into an exciting future. As someone who transitioned from an associate to a principal and tech business owner, David is the perfect guide to understanding this shift. Our conversation takes a deep dive into key performance indicators, patient acquisition and retention, and the power of automation in routine tasks. David's story is a testament to the transformative potential of data comprehension and application.
But this conversation doesn't stop at data. We touch upon the exciting field of artificial intelligence and its burgeoning role in dentistry. From automating patient follow-ups to garnering online reviews, learn about the ways AI is enhancing patient experiences and practice management. David also shares his entrepreneurial journey, demonstrating how technology, data, and an innovative spirit can revolutionize a dental practice.
So, ready to explore this exciting intersection of dentistry and data? Join us in this insightful discussion and equip yourself with the knowledge to elevate your practice. And don't forget to check out David's work at wwwfollowappcar.com. Transform your practice, redefine your profession, and reimagine your impact. It's time to step into the future of dentistry.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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How often do you hear about a dentist turning entrepreneur? Meet Sabah Arif , who took the bold step of leaving her job in dentistry to start a consultancy business, Smart Dental Compliance and Training. Making use of her passion for dentistry and expertise from her time at Bupa and Oasis, Sabah has created a unique space for herself in the entrepreneurial landscape. Her story is not just about professional growth, but also about personal evolution, with mentorship from Thurpinch playing a significant role in shaping her leadership style. One that emphasizes the importance of being kind to employees and of fostering genuine, open conversations.
As we round up our chat, Sabah introduces us to her innovative offering - Smart Compliance. It’s a software solution designed for dentists and dental practices to stay updated with CQC regulation and training. The platform has a plethora of features including automated reminders, CPD courses, HR systems, stock management, and lab management. And Sabah doesn't stop there. She’s also working towards appreciating and uplifting dental practice managers through an initiative called the Managers Hub. Sabah also highlights the importance of making content and getting in front of the camera, emphasizing the importance of practice to improve this skill. So tune in, as our conversation promises to be an enlightening one, filled with insights and tips from Sabah's entrepreneurial journey in the world of dentistry.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Craving some insider knowledge on the financial journey within the dentistry profession? We've got you covered. This episode brings you an insightful dialogue with our esteemed guest, David Hossine, a maven in taxation and finance. We take you from the fledgling steps of a newly qualified associate all the way up to a dental practice owner contemplating retirement. David gives us a guided tour of financial milestones, tax affairs, and planning points that run parallel with a dentist's career.
Entering the realm of dental practice ownership can be overwhelming, but don't fret! We tackle the financial hurdles that come with it, warn you about costly administrative faux pas, and underscore the importance of having a seasoned coach or marketer by your side. Plus, we reveal how your age and family financial backing can influence your practice ownership journey.
But the exploration doesn't stop at single practice ownership. We illuminate the path towards owning multiple practices—discussing everything from the financial upside of incorporation to the art of buying new practices and deviating on the importance of a strategic exit plan. David's eBook, 'Tax Saving for Dentists', also takes center stage as we emphasize the importance of tax efficiency, particularly for those just starting their dental careers. Join us for a conversation teeming with invaluable advice on optimizing your finances throughout your dentistry journey.
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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Ever considered trading off money for quality of life? We dance around this idea, emphasizing how money, while a component of happiness, isn't necessarily the ultimate goal. Instead, we identify how personality, character, and self-investment can play an equally pivotal role in your life's joy and satisfaction. As we navigate these narratives, we unravel the notion that our life's worth isn't tied exclusively to our bank accounts but the richness of our personal growth and experiences.
In our expedition into the challenges of being a dentist, we underline the significance of diversification and balancing work with productivity. From exploring other opportunities to continuous education, we discover how a diversified approach can impact mental health and patient care positively. As dentists, it's easy to fall into the trap of working long hours, neglecting the importance of reevaluating goals for a fulfilling work-life balance. Together, the conversation illuminates the importance of balance in our lives and the perils of neglecting it. Join us in this riveting discussion as we explore Irish heritage, happiness, dentistry, and much more.
You can download your FREE eBook on how you can avoid financial mistakes as a dentist using the link just here: www.dentistswhoinvest.com
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Imagine transforming your dental practice’s image with just a little bit of PR magic! This is exactly what we talk about in our latest podcast episode, featuring the PR maestro herself, Fiona Dwyer. With over three decades of experience in the media industry, Fiona enumerates the power of PR and how it can be an absolute game-changer for dentists, even those operating on a shoestring budget.
Our conversation with Fiona packs in a lot of insights. We touch upon key PR strategies like identifying newsworthy stories, pitching them to the media, and using corporate social responsibility to win over potential patients. Fiona emphasizes the importance of consistent efforts, cultivating robust relationships with journalists, and ensuring your key message stands out. We delve into the role of the media in promoting dental practices, and how third-party credibility can enhance the ‘know, like, and trust’ factor with potential clients.
Wrapping up, we discuss practical steps for creating a three-month plan to elevate your brand’s visibility and how to narrate compelling stories to regional media. Fiona also generously offers to help any listener intrigued by the idea of leveraging PR for their dental practice. So, if you're a dentist ready to increase organic footfall, or someone merely interested in the power of PR, this is the episode for you. Seize this opportunity to learn from a seasoned PR expert and tune in now!
Join us for a riveting conversation with the remarkable Andrew Craig, the creative mind behind the transformative book, 'How to Own the World.' Andrew's fascinating journey to financial literacy and independence is filled with insights and wisdom. His book brings attention to the glaring knowledge gaps in the realm of finance and investing, even within the industry itself. We delve into how 'How to Own the World' has influenced readers and equipped them with the necessary tools to confidently navigate the world of finance.
Andrew's book is an enthralling testament to the power of compounding - the magic that lets small, timely investments blossom into significant returns over time. We also dissect the intricacies of the pension system and explore the role inflation plays in our financial lives. This engaging discourse emphasizes the importance of understanding finance, not just for financial freedom, but also to make well-informed decisions about investments. After all, knowledge is power, and reading can be your ticket to a better understanding of investments.
As we near the end of our discussion, we caution listeners about the hype around cryptocurrencies. Investing in Bitcoin and other digital currencies can indeed be a gamble without the required financial knowledge. Influential figures like Elon Musk can sway the market, leading to potentially disastrous results for uninformed investors. So, listen in as we guide you on the path to sound investment practices, emphasizing the importance of understanding risk tolerance. This episode promises to shed new light on your financial journey, helping you make the most of your money's potential.
Can you imagine a dentist seeing 93 patients in one day without burning out? Meet Dr. Chetan Mathias, AKA the 'million pound dentist', who's mastered the art of maximized efficiency and profitability in his practice. His contagious energy and passion for what he does radiate through his innovative systems and processes. He gives us an exclusive tour of his high-functioning practice, revealing how he employs systemization, standardization, and delegation to rocket his success. Not just that, he also shares how giving more value to patients can upturn profits.
Now, don't mistake this for purely clinical brilliance. Dr. Mathias takes us deeper into the role of delegation and the mindset shift that's required to work on the business rather than just in it. Emphasizing the importance of empowering teams, and setting KPIs, he uses the analogy of a Tesla to explain macro-management. He shares how dentists can learn to be okay with the 70% perfect delegation, letting go of the need to control every detail. He also spills the beans on his two-day program that helps dentists systematize their workflows and increase their practice's profitability. By the end of this episode, you'll have a wealth of insights from Dr. Mathias' inspiring journey and game-changing strategies that fuel his success.
Ever wondered how understanding your financial figures could be a game-changer? Join me and my good friend, Dr. Jamil Torofdar, as we break down the importance of mastering your numbers. With Jamil's unique approach to reading balance sheets and focusing on long-term loans, you'll learn how to gauge your practice's financial health more accurately.
We'll also guide you on how to navigate the sea of profitability and financial insights. Hear how organizing your financial data can simplify tracking and why distinguishing between reoccurring and non-reoccurring expenses is the key to true profitability. You'll also get the scoop on how EBITDA can be a vital benchmark when you're ready to sell your practice. From my own experiences, I'll shed light on how profitability analysis has been a game-changer for my business.
Finally, let's take a strategic deep dive into enhancing profitability and refining your financial strategies. We'll talk about controlling costs, why owning a lab can be a profitable move, and how offering in-house financing can skyrocket your revenue. You'll also hear about the potential benefits of running a 30% margin associate-led dental practice and owning a two-surgery facility.
You can download your FREE eBook on how you can avoid financial mistakes as a dentist using the link just here: www.dentistswhoinvest.com
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Is your indemnity insurance really serving you? We tackle this pressing question with the help of our guest, Dr. Ricky Ruparelia, who brings a wealth of personal experience and expertise to the table. Sharing his own journey through a GDC investigation, Dr. Ricky gives us a candid insight into the emotional toll such an event could have on a professional’s life. Yet, he encourages dentists to learn from these difficult times, emphasizing that having a reliable indemnity provider is paramount. Brace yourself as we delve into the challenges and the sense of shame associated with being reported to the GDC.
Shedding light on the relatively murky topic of indemnity insurance for dentists, Dr. Ricky voices his concerns about the dearth of information available to dentists. He stresses how critical it is to understand the nuances of the cover being offered - particularly the differences between regulated underwritten indemnity insurance policies and discretionary cover. This episode is a cornerstone for any dentist seeking to better appreciate indemnity and its implications on their profession.
You can download your FREE eBook on avoiding financial mistakes as a dentist using the link just here: www.dentistswhoinvest.com
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How's your understanding of private medical insurance? Join me and my dear friend, Tony Hammond, as we unravel the intricacies of this vital financial safeguard. In a time where NHS crises are more frequent than ever, private medical insurance stands as a beacon of hope, offering swift diagnosis and treatment for short-term injuries. With Tony's expert guidance, we shed light on the power private medical insurance places in your hands, giving you the autonomy to choose your consultant and direct your treatment.
Navigating the labyrinth of pre-existing conditions and coverage options can be daunting. Fear not, as we venture into this complex terrain together. Tony expertly clarifies the concept of moratorium underwriting, a popular choice for many, that might cover pre-existing conditions under certain circumstances. He also touches on full medical underwriting, an approach that requires upfront disclosure of pre-existing conditions. We don't stop there; we dive into the importance of soliciting quotes and the protective value a policy holds. With the guidance of Tony's expertise, we equip you with the knowledge to confidently chart your course through the world of private medical insurance. Don't miss out on this enlightening episode!
You can download your FREE eBook on avoiding financial mistakes as a dentist using the link just here: www.dentistswhoinvest.com
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Ready to crack the code of property investment success? Join us as we sit down once again with the astute Dr. Jassy Sidhu, who is here to spill the beans on his property portfolio's recent performance. Brace yourself for an insightful conversation, where we uncover Jassy's revelations from his time in the property market, including the complexities of property investment, the significance of value for money, and the critical need for background checks on builders. For those who are serious about growing their portfolio, Jassy urges the importance of raising funds earlier.
In part two of our chat, we dive into why knowledge is power in the property game. We highlight the benefits of securing a mentor and share tips to distinguish the real experts from the pretenders. So, whether you're a property enthusiast or a seasoned investor, let Jassy and I guide you through the labyrinth of property investment with our insider tips. This episode is packed with practical advice that will fuel your property investment journey.
You can download your FREE eBook on avoiding financial mistakes as a dentist using the link just here: www.dentistswhoinvest.com
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Ever wondered if you should channel your hard-earned money towards clearing your mortgage debt or venture into the world of investing? That's the million-dollar question we're grappling with in this episode, alongside our esteemed guest, John Doyle, an accomplished IFA. We're tackling this financial quandary from every angle, dissecting not just the black-and-white analytical numbers, but also the emotional nuances that come into play. In the present era of low-interest rates, the significance of these decisions has been magnified, making this conversation all the more crucial.
Strap in as we demystify the complexities of this financial decision, illustrating how your age, income stability, and the kind of ISA you have can tilt the scales. From the versatility of cash ISAs to the potential penalties associated with lifetime ISAs, we'll unmask what's behind these financial instruments. But wait, there's more! We'll also shed light on strategies to prepare for the end of a fixed-rate mortgage and explore other factors that come into play in the investment vs mortgage conundrum. Join us on this enlightening journey as we provide you with practical insights drawn from personal experiences and professional expertise.
You can download your FREE eBook on how you can avoid financial mistakes as a dentist using the link just here: www.dentistswhoinvest.com
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Imagine opening a lucrative dental practice from scratch and turning a profit within three months. Sounds like a tall order, right? Well, not for our guest, Dr. Bobby, who pulls back the curtain on his remarkable journey of setting up a successful 'squat practice'. Dr. Bobby takes us on a rollercoaster ride, discussing the trials and tribulations of opening doors, to finally hitting the jackpot. He shares his secret sauce that includes a well-executed pre-marketing campaign, nurturing potential patients, and leveraging a prime locale and a robust mailing list.
The conversation does not stop there. Dr. Bobby reveals his recipe for a quick transition to profitability, and it's all about having the right systems and choosing a niche to specialize in. The second half of our chat takes a deep dive into the critical role of a dedicated team in the success of a dental practice. Furthermore, Dr. Bobby talks about embracing change and taking risks, and how being proactive instead of passive can create a world of difference. The episode wraps up with his life-altering realization about the success he had created. Tune in for an episode jam-packed with priceless insights and practical tips for any aspiring dental practice owner.
Ever feel like transitioning from a functional role to a leadership role is a daunting task? Our returning guest, Justin Leigh is here to assure you it's not. With his wisdom, gained through years of experience, he illuminates the distinctions between these roles and provides insight on motivating performance as a leader. We unmask the concept of '10 to 100', focusing on the end goal rather than the process of achieving it, a key strategy for effective leadership.
Then, we navigate the tricky terrains of time management and delegation in the workplace. Justin shares warnings signs to look out for when your workload is overwhelming and strategies for managing it effectively. We underscore the importance of clear communication, setting boundaries, and fostering a culture of ownership and responsibility within your team. Rounding off our insightful conversation, we delve into the art of positive feedback. We highlight its importance in fostering a creative and positive work environment and the mental effort it requires. Tune in to discover these valuable insights and more.
Feel free to use the link just here to understand how you can invest: CLICK HERE
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Promising a wealth of knowledge in investment strategies, this episode unfolds the mysteries surrounding active and passive funds. We're excited to have Luke Hurley back on the show to help us dissect these concepts and illuminate the risks and rewards involved in each. Together, we delve into the challenges active fund managers face over longer time frames, emphasizing that short-term success does not necessarily translate into long-term gains.
Turning the spotlight on the pros and cons of active and passive investing, we uncover the hidden impact of fees on both types of funds. We also touch on the added risk involved in the selection of active fund managers. We stray from standard norms and explore the potential benefits of having a mix of active and passive funds in your portfolio while laying emphasis on the crucial role of human behavior in successful investing. So gear up for an episode packed with evidence-based insights and strategies that can help you navigate the world of investing with increased confidence and effectiveness.
What if I told you that understanding the ins and outs of investment fees - a topic often overlooked - could be the key to unlocking your financial success? That's right, we're peeling back the layers on this seemingly mundane subject to reveal the massive impact it can have on your portfolio's growth. We're exposing the three main ways platforms make money - ongoing fees, one-off fees, and the spread - and how these can significantly affect your investment outcomes. Plus, did you know a mere 1% difference in returns over 40 years can increase your eventual pot by a staggering 50%? This episode will equip you with the knowledge to navigate the tricky terrain of fees, and make the best platform choices to grow your wealth.
But wait, there's more! You might think you know all there is to know about platform fees, but have you considered the spread? That's right, the difference between the buy and sell price can be another subtle way platforms are making money off you. We delve into the fascinating world of arbitrage, and why understanding it is essential to making the most of your platform. We also highlight the importance of aligning your asset purchases with your long-term objectives. Wrap your head around these crucial concepts, and you'll be on your way towards smart, profitable investments. You're not just learning to invest, you're learning to win at the investment game. Tune in, and take control of your financial future today!
Ever dream of owning your own practice? Dr. Shabnam Zai did. Against all odds, she's here to share her amazing journey navigating the high-cost market of London to owning a thriving dental practice. Her story is a testament to the power of perseverance, a clear vision, and the audacity to leap into the unknown. Dr. Zai's rise to practice ownership is a testament to the power of having a dream sketched out, recorded and pursued relentlessly.
Dr. Zai's journey is not just about achieving a professional goal. She shares insights on personal growth and the value of risk-taking. She talks about ignoring the naysayers and embracing the journey as a valuable learning process. The transition from an associate to a practice owner is a complex process. Dr. Zai discusses how administrative competence, effective tracking, and reporting are paramount for a smooth transition.
We also talk about the importance of patient relationships and the power of positive reviews in business growth. We wrap up our conversation discussing financial risk aversion and the importance of being financially literate. Don't miss out on Dr. Zai's invaluable insights that can serve as a compass for aspiring practice owners.
You can download your FREE eBook on how you can avoid financial mistakes as a dentist using the link just here: www.dentistswhoinvest.com
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Do you yearn to cultivate organic business growth, engage meaningfully with your community, and enhance your dental practice's image all at once? Prepare to be enlightened as we sit down with Nicki Rowland, a trailblazer who brilliantly integrates corporate social responsibility (CSR) into her dental practice. Nicki shares her unique approach to CSR, demonstrating how it can be a powerful tool for building rapport, trust, and business growth that doesn't drain your bank account. She divulges her innovative initiatives, such as holding oral health workshops in local schools and offering free screenings during mouth cancer action month, showing us just how rewarding it is to give back to the community.
To find out more about our learning platform Dentists Who Invest Academy click the link here: https://dwia.samcart.com/products/dentists-who-invest-academy
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What if you could take the guesswork out of investing and secure your financial future with strategic decision-making? Join us in a riveting chat with investment guru Luke Hurley, as we unpack the often misunderstood concept of investment risks. We shed light on the different types of risks including provider risk, specific risk, market risk, inflation risk, and shortfall risk. We emphasize that the most significant risk is inaction, which impedes financial freedom.
Diversifying your portfolio is the key to safeguarding your investments from significant losses, and we delve right into this in our conversation with Luke. We caution against the dangers of investing heavily in a single company and stress the importance of a well-diversified portfolio across different companies, sectors, and regions. We urge you to understand your exposure to specific risks and allocate time to make informed decisions.
In the final leg of our discussion, we bring to light the concepts of inflation risk and shortfall risk. These factors can erode wealth over time if not properly managed so we provide some invaluable advice on these. Luke shares nuggets of wisdom on staying focused on long-term investing goals, understanding the different types of risks, and the role of goal setting and motivation in achieving financial success. Tune in for a masterclass on navigating the investing landscape and securing your financial future.
Ready to discover the secret to growing wealth exponentially without lifting a finger? Tune into our latest episode where we unravel the concept of compounding - a principle so powerful, it can turn a 10,000-pound investment into a whopping 300,000 pounds over 40 years, no extra contributions required! We dive deeper into financial compounding, explaining how your interest isn't just growing - it's growing at an accelerated rate. But it's not all algorithms and percentages; we delve into the theory behind compounding, helping you understand why it's not just beneficial, but essential to increasing your wealth.
But compounding isn't limited to finance alone; we expand the concept to life and leverage, exploring how you can get more bang for your buck in every area of your life. From maximizing profits to building an audience, we discuss the power of media, the benefits of automation, and the incredible efficiency of software and machines. We also introduce you to four secret methods of leverage - delegation, automation, and elimination. It's not just about making more money, it's about reclaiming your time and living a richer, fuller life. So why wait? Expand your mind and your wallet with us today.
You can download your FREE eBook on avoiding financial mistakes as a dentist using the link just here: www.dentistswhoinvest.com
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Are you truly satisfied with your work? Is your current job bringing you genuine happiness or simply towing you along on a seven out of ten ride towards retirement? This episode is a deep dive into the world of work satisfaction. We unravel its concept, its implications, and the profound effect it can have on our journey towards financial freedom. We introduce you to the idea of a work satisfaction score - a simple yet powerful tool that measures the level of fulfillment and contentment you derive from your job.
Picture your job as a delicious chocolate cake. Now imagine taking a bite out of it. How does it taste? Is it as fulfilling as you'd like it to be? Using this fun analogy, we dissect ways to improve your work satisfaction score, and how a simple change such as reducing your work week from five days to four could potentially lead to a sweeter, more satisfying bite of your career. And as we ponder the risks of maintaining a seven out of ten existence till retirement, we also highlight the importance of living life on your own terms.
Now, switching gears to the business side of things, we share three fundamental ways that any business, including dentistry, could increase its profits. We tackle the challenges of managing outgoings, serving more people, and marketing yourself effectively. We make a case for understanding your work satisfaction score and how it can steer you toward financial freedom. Lastly, we leave you with actionable insights on how to achieve a work satisfaction score of ten out of ten, increase your day-to-day profits, and find fulfillment in your work life, all while enjoying the ride. Tune in for an exciting journey of self-discovery and professional growth.
Uncover valuable insights in our FREEebook "11.5 OF THE BEST WAYS A DENTIST CAN INCREASE THEIR WEALTH"
Download now: https://ebook.dentistswhoinvest.com/eleven-and-a-half-ebook
Don't miss this opportunity to take charge of your financial future. Learn more about our website at www.dentistswhoinvest.com
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Are you ready to reshape your reality and redefine your relationship with wealth and success? That's exactly what we're doing in our enlightening conversation with special guest, Tom Fortes. We're breaking down how our beliefs about money, life, love, and ourselves limit and shape our success, and how working on these foundational beliefs can lead to waking up every day feeling capable and deserving of success. We also take a deep look at the importance of enjoying the journey to success, and the role organizational psychology plays in facilitating or limiting success.
We're also peeling back the layers on the power of belief and expectations on our confidence, ability to succeed, and overall wellbeing. Tom helps us understand how our unresolved trauma impacts our epigenetics, behavior, performance, and achievements, and how nature and nurture intersect. We delve into fascinating discussions about how our beliefs shape our genes, and the unexpected link between severe allergies and psychological phobias.
Our journey doesn't end there. We explore the process of transformation, discussing how to access your true essence and overcome the blocks that hold you back. We share insights on the six transformational techniques and how you can use them to align with your true self. We also explore the power of emotional accountability and the role gratitude plays in achieving a fulfilling life. Finally, we wrap up with an inspiring conversation about Tom's career success and the power of trust in yourself. Come join us on this intriguing journey of self-discovery and transformation.
Guess who's back on the show? That's right, Tony Hammond, our go-to expert on income protection, making a grand return to our podcast. This week, we're peeling back the layers on income protection for dentists. Now, you might be thinking, is it really that important? Well, let me tell you, it's not just a protection, it's a safety net, and we're going to help you understand why it outshines any cure.
We navigate the terrain for sole traders, discussing how to manage income protection through your business and setting up personal sick pay. Tony passionately takes us through the added value of services like counseling and remote physiotherapy, which can be a lifeline for those grappling with mental health issues. Isn't prevention better than a cure? In the second part of our chat, we dive into the deep end of income and group protection benefits. We tackle how you can obtain up to 60% of your taxable income, and even offset it against tax if you own a limited company. We'll touch on the ins and outs of fracture cover and the benefits gained from services like having a British GP available 24-7, along with remote physiotherapy and psychological services. Stick with us, because we're also unpacking policies that keep serving you up until your retirement age. So, whether you're a dentist or a business owner, this is a conversation you definitely don't want to miss!
What if you had the chance to listen to the trials and triumphs of starting a dental practice from scratch? Our esteemed guest, Dr. Bobby, took that daring step two years ago and has graciously agreed to pull back the curtain on his journey. From the moment he decided to set up shop on a fresh site, a decision imbued with its own unique blend of challenges and rewards, to the joy he experiences when he walks into his self-established practice. He also touches on an interesting comparison - starting a business and starting a family, both teeming with their fair share of effort and joy.
In his insightful chat, Dr. Bobby takes us through the initial steps of envisioning and financially planning the commencement of his dental practice. He shares how he navigated the hurdles of selecting the right premises, the importance of retaining money, spreading out payments, and the intricate details of health and safety regulations. He even recounts his own encounters with unexpected visits from health and safety officers and how he learned to maneuver the role of the CQC in the process.
The final part of our discussion revolves around the importance of hiring the right kind of people, especially for the front of house role. Dr. Bobby opens up about his marketing strategies and how he successfully publicized his dental services, thus reducing the average waiting time for appointments. He shares golden nuggets of advice on building relationships with local professionals, harnessing the power of social media, and the art of networking to create awareness about a new practice. Listen in to equip yourself with practical wisdom straight from Dr. Bobby's enriching journey of starting a dental practice.
Promise me you've pondered the gnarly question of whether to stick it out as a sole trader or to shift gears and become a limited company. Well, you're not alone! In this riveting discussion alongside David Hossein, a crackerjack dental accountant, we dust off the age-old debate, but with a unique twist - we're targeting it to the dental industry in the UK. Get ready to navigate the tricky waters of tax bands, the ups and downs of your choices, and the curiosity of losing your personal allowance once profits exceed £100,000.
Something big is brewing in the UK tax scene, and folks, it's not looking pretty. With the recent budget announcement, brace yourselves for a taxing roller coaster ride. Together with our expert guest, we're diving into the new world of tax dividend allowance, the surge in corporation tax, and the hike in National Insurance and dividend taxes. Get your calculators ready as we unpack a graph that lays bare the tax saved with a limited company versus a sole trader. You wouldn't want to miss this - we're also breaking down the graph in a tabular format to give you a clear picture. So, buckle up for an enlightening and insightful conversation.
Ever wondered how to maximize your profitability in restorative dentistry? Join us for an enlightening conversation with Dr. Sunny from the Dre Composite Restorative Technique, as we uncover the secrets to boosting your bottom line while still providing exceptional value to your patients.
Throughout the episode, we delve into the crucial concept of understanding that value equals money. Dr. Sunny shares his personal journey and experience in charging more for composite restorations, and how providing patients with more information enables them to appreciate the true value of their treatment. We also discuss innovative ways to make your restorative dentistry practice more efficient and profitable, such as offering comprehensive care in a single appointment, utilizing quadrants to maximize efficiency, and embracing project dentistry to rake in 2 to 4k a day.
Lastly, we touch upon the importance of playing to your strengths in dentistry and how delegating tasks to colleagues, perfecting your technique, and applying Pareto's principle of 80-20 can lead to a more profitable practice. Don't miss this opportunity to learn how to enhance your earning potential while providing exceptional care to your patients!
How do interest rates impact dental practice finance, and what strategies do lenders use in the market? To answer these questions, we invited Kevin Saunders, who has spent 30 years in the banking industry and is a specialist dental financier for RBSnetwest, to join our discussion. Together, we explore the history of base rates from the 1980s to today and how this has shaped our current financial landscape. Kevin also shares his expert insights on considering both today's rates and adding a margin for error to prevent borrowers from financial trouble.
In this episode, we also delve into the banks' stance on the dental sector and how they've become more stringent with their lending policies. We discuss the shift away from NHS dentistry and the current boom in private dentistry, as well as the need for squat finance and the process of obtaining established practice finance. Kevin breaks down the calculation of loan servicing costs and repayment periods, giving you a clearer understanding of what to expect when financing a dental practice.
Lastly, we highlight the importance of business acumen over clinical skill when it comes to running a successful dental practice. We talk about the advantages of buying a practice from a dentist looking to become an associate, the power of compounding when starting early, and how to assess a practice's growth potential. Additionally, we emphasize the significance of researching a practice before making the purchase. Don't miss Kevin's priceless insights and practical advice on navigating the world of practice finance amid today's fluctuating interest rate environment.
Millionaire Mindset with Adam Cox DWI-EP151
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How Do Interest Rates Work? with Jon Doyle DWI-EP150
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Ethically Enhancing Profitability with Justin Leigh DWI-Ep149
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The Property Game with Dr. Jassy Sidhu DWI-Ep148
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This content references an opinion only and is purely for information purposes. It is not intended for investment advice. Any and all liability for any exchange of money ends with oneself. Please seek the advice of an accredited professional for investment advice. All content represents an opinion only.
The 3 Market Forces You Need To Know To Invest with Dr. James Martin DWI-Ep147
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How To Invest In Whisky with Dr. Mike Gow DWI-EP146
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4 Ways To Bust Inflation with Dr. James Martin DWI-EP145
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Profitable Dental Practices with Dr. Simal Shah DWI-EP144
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How To Become An Entrepreneur with Dr. Dhru Shah DWI-EP143
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What You NEED To Know About Life Insurance with Tony Hammond DWI-EP142
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How I Started My Squat Practice With Less Than £100k with Dr. Jamil Torofdar DWI-EP141
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Increasing Remuneration Via Effective Patient Communication with Dr. Atif Syed DWI-EP140
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Why Social Media Matters with Branden Hill DWI-EP139
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Wisdom On Wealth with Dr. Bill Kellner-Read DWI-EP138
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Asset Allocation with Jon Doyle DWI-EP137
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How Can I Own Gold? with Dr. James Martin DWI-EP136
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Portfolio Design 1-0-1 with Jon Doyle DWI-EP135
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Buy To Let Mortgages with Tony Hammond DWI-EP134
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Sales Mindset For Dentists with Dr. James Martin DWI-EP133
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How Your Clear Aligners Can Be More Profitable with Dr. Millie Morrison DWI-EP132
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The Yin And Yang Of Success with Dr. James Martin DWI-EP131
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How Does Money Work? LIVE in Dubai with Dr. Rand Younes DWI-EP130
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Thoughts On Wealth with Dr. Arnold Gangaidzo DWI-EP129
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11.5 Ways A Dentist Can Earn More Money with Dr. James Martin DWI-EP128
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The Chancellor's New Look Pension For Dentists with Jon Doyle DWI-EP127
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Increasing Income Via A 5 Star Patient Journey with Dr. Barry Oulton DWI-EP126
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Marketing Masterclass For Dentists with Jamil Torofdar DWI-EP125
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Income Protection with Tony Hammond DWI-EP124
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Social Media And Dentistry with Hazel Woodward DWI-EP123
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Your Journey Into Practice Ownership with Martyn Bradshaw DWI-EP122
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Leverage And Luck with Dr. James Martin DWI-EP121
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The Accidental Entrepreneur with Dr. Olumide Ojo DWI-EP120
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Business 1-0-1 with Dr. James Martin DWI-EP119
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How It’s Possible To Net 7 Figures As An Associate with Dr. Chetan Matias DWI-EP118
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Money Mindset For Dentists DWI-EP117
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LISAs vs SIPPS with Jon Doyle DWI-EP116
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Wisdom On Mortgages with Matthew Marsh DWI-EP115
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How Will ChatGPT Change Dentistry with Adrian Dray DWI-EP114
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How I Started My Squat Practice With Private Funding with Dr. Harry Gill DWI-EP113
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What The Heck Is Happening To Crypto? with Dr. Austin Davis DWI-EP112
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Why I Bought Two Dental Practices Aged 28 During Coronavirus with Jamil Torofdar DWI-EP111
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Conviction Life Sciences IPO with Andrew Craig DWI-EP110
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Investing In Your Team with Nicki Rowland DWI-EP109
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How Does The Maternity Pay For NHS Dentists Work? with Dr. Sarah Beskeen DWI-EP108
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Investing In The Dental Industry with Fred Clough DWI-EP107
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Profitable Dentistry Despite A Recession with Dr. Barry Oulton DWI-EP106
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The Basics Of Investing with Dr. James Martin DWI-EP105
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Investing Insights with Andrew Craig DWI-EP104
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Profitable Implants with Pav Khaira DWI-EP103
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Negotiating Vicarious Liability with Jonathan Jacobs DWI-EP102
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Negotiating Vicarious Liability with Jonathan Jacobs DWI-EP101
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Episode 100 with Dr. James Martin DWI-EP100
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Shark Tank with The Sharks DWI-EP99
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The Dentist Who Became An IFA with Dr. Mart McClellan DWI-EP98
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Making Aligners More Profitable In Practice with Sonia Szamocki DWI-EP97
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A Dentist's Update On The Mini Budget with Bilal Ahmed DWI-EP96
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Is ESG Investing For Me? with Jon Doyle DWI-EP95
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How To Get Your Property Portfolio Off The Ground with Paula Cadey DWI-EP94
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The NHS Pension Summarized with Ian Hawke DWI-EP93
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Recession Proofing Your Portfolio with Rohit Rohela DWI-EP92
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The Simple Ways Your Practice Can Be More Profitable with Barry Oulton DWI-EP91
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Bringing Venture Capital To Dentistry with Jeremy Krell DWI-EP90
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Lessons On Wealth with Shabbar Kassam DWI-EP89
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How To Negotiate The Higher Student Loan Interest Rates with Bilal Ahmed DWI-EP88
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The Current Housing Market For Dentists with Harry Singh DWI-EP87
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How Does Money Work? with Victoria Jones DWI-EP86
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When Should I Enter/Exit A Dental Practice? with Andrew Acton DWI-EP85
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Tax Efficient Investing For Dentists with Rohit Rohela DWI-EP84
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The Principles Of Portfolio Design with Adam Hughes DWI-EP83
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Owning And Running An Online Business with Dr. Amz Choudhury and Dr. Zain Hameed DWI-EP82
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How Much Money Is Enough For Dentists with Jasneet Gulati DWI-EP80
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Dentists Who Invest Podcast Episode 79 Perfect Planning For Business Success with Bilal Ahmed DWI-EP79
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Dentists Who Invest Podcast Episode 78 How To Invest In The Current Market Slump with Rohit Rohela DWI-EP78
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Dentists Who Invest Podcast Episode 77 The Metaverse, Mark Zuckerberg and The Future with Edward Zuckerberg
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Dentists Who Invest Podcast Episode 76 Zuckerberg On Keystone Bio with Edward Zuckerberg
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Dentists Who Invest Podcast Episode 75 The 4 P's Of Mortgages with Ali Jawad Mamdani DWI-Ep75
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Dentists Who Invest Podcast Episode 74 Mortgages For Dentists - A Live Q&A with Vinay Rathod DWI-Ep74
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Dentists Who Invest Podcast Episode 73 A Conversation On Crypto with Marc Warne DWI-Ep73
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Dentists Who Invest Podcast Episode 72 Owning And Running An Online Business with James and Mahmood DWI-Ep72
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How Do My Tax and Mortgage Affairs Interact? with Vinay Rathod and Bilal Ahmed DWI-EP71
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Dentists Who Invest Podcast Episode 70 Investing In The Quality Of Humility with Adrian Dray DWI-EP70
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Dentists Who Invest Podcast Episode 56 Should I Put My Trust In A Trust? with Rohit Rohela DWI-EP69
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Dentists Who Invest Podcast Episode 68 Successfully Investing In Your Education with Devang Patel DWI-Ep68
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Dentists Who Invest Podcast Episode 68 How To Start YOUR Side Business: A Q&A with James and Mahmood DWI-Ep67
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Dentists Who Invest Podcast Episode 66 Success In Life Outside Of Dentistry: A Q&A with Dr. Hannah Burrow DWI-Ep66
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Dentists Who Invest Podcast Episode 65 My Pathway Into Entrepreneurship with Dr. James Martin DWI-Ep65
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Dentists Who Invest Podcast Episode 64 Why NFTS Will Change The World with CK DWI-Ep64
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Dentists Who Invest Podcast Episode 63 How I Made £300k Selling NFTs with Benyamin Ahmed DWI-Ep63
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Dentists Who Invest Podcast Episode 62 Is Owning A Dental Practice For Me? with Andrew Acton DWI-Ep62
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Dentists Who Invest Podcast Episode 61 How To Market Yourself And Your Dental Practice with Alex Nottingham DWI-Ep61
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Dentists Who Invest Podcast Episode 60 Investing Via Your Company with Bilal Ahmed DWI-Ep60
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Dentists Who Invest Podcast Episode 59 How I Learned To Trade with Dr. Zaid Esmail DWI-Ep59
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Dentists Who Invest Podcast Episode 58 How Social Media Can Enhance Your Dental Career with Jabir Kazi DWI-EP58
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Dentists Who Invest Podcast Episode 57 Creating A Financial Masterplan with Shabbar Kassam DWI-EP57
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Dentists Who Invest Podcast Episode 56 How To Plan Your Financial Future with Rohit Rohela DWI-EP56
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Dentists Who Invest Podcast Episode 55 Why I Believe In BioTech Investments with Andrew Craig DWI-EP55
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Dentists Who Invest Podcast Episode 46 The Psychology Of Selling Elegantly with Dr. Barry Oulton DWI-EP54
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Dentists Who Invest Podcast Episode 53 What Rishi Sunak's Latest Budget Means For Dentists with Mike Bryan DWI-EP53
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What The Changes To IR35 Mean For YOU with Bilal Ahmed DWI-Ep52
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Dentists Who Invest Podcast Episode 51 Starting Your Side Gig Journey with Mahmood Mawjee DWI-EP43
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The Future Of Money with Sudhu Arumugam
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Dentists Who Invest Podcast Episode 49 - Which ISA Provider Should I Choose? with Luke Hurley
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Dentists Who Invest Podcast Episode 48 How To Start A Dental Course with Dr. Tariq Bashir - Side Gigs Month DWI-EP48
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Dentists Who Invest Podcast Episode 47 How I Started My National Brand with Dr. Payman Langroudi - Side Gigs Month DWI-EP47
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Dentists Who Invest Podcast Episode 46 How To Sell Elegantly with Dr. Barry Oulton - Side Gigs Month DWI-EP46
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Dentists Who Invest Podcast Episode 45 A Side Gig In Facial Aesthetics with Dr. Sheila Li - Side Gigs Month DWI-EP45
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Dentists Who Invest Podcast Episode 44 Side Gigging Outside The Box with Gregor McPherson - Side Gigs Month DWI-EP44
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Dentists Who Invest Podcast Episode 43 Starting Your Side Gig Journey with Mahmood Mawjee DWI-EP43
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Dentists Who Invest Podcast Episode 42 Taxation in Crypto with Mike Bryan DWI-EP42
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Dentists Who Invest Podcast Episode 41 Creating A Health and Fitness Side Gig with Dr. Chita Davda DWI-EP41
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Dentists Who Invest Podcast Episode 40 Conquering The Dragons Den with Dr. Simon Chard DWI-EP40
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Dentists Who Invest Podcast Episode 39 The Current Mortgage Market with Vinay Rathod DWI-EP39
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Dentists Who Invest Podcast Episode 38 Your Tax Journey As A Dentist (Part 2) with Bilal Ahmed DWI-EP38
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Dentists Who Invest Podcast Episode 37 Your Tax Journey As A Dentist (Part 1) with Bilal Ahmed DWI-EP37
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Dentists Who Invest Podcast Episode 36 Burnout In Dentistry with Jessica Metcalfe DWI-EP36
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Dentists Who Invest Podcast Episode 34 How To Own The World: An Interview with Andrew Craig DWI-EP34
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Dentists Who Invest Podcast Episode 34 How To Own The World: An Interview with Andrew Craig DWI-EP34
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Dentists Who Invest Podcast Episode 33 - Achieving Your Innate Potential with Chris Barrow
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Dentists Who Invest Podcast Episode 32 - How The NHS Pension Actually Works with Luke Hurley
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Dentists Who Invest Podcast Episode 31 - Dental Practice Valuations: Under The Bonnet with Andrew Acton
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Top Tips On Clinical Record Keeping with Dr. Louisa Sherlock DWI-Ep30
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The Power Of Compounding Your Education with Ferhan Ahmed - YPTFF Month DWI-Ep29
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Balancing Dentistry With Investing with Dr. Dav Kalsi - YPTFF Month DWI-Ep28
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How I Achieved Financial Freedom with Dr. Julian Keen - YPTFF Month DWI-Ep27
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Dentists Who Invest Podcast Episode 26 - Some Tips On Trading with Zaid Esmail - YPTFF Month
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Dentists Who Invest Podcast Episode 24 - The Chancellors New Budget And What It Means For Dentists with Mike Bryan
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Dentists Who Invest Podcast Episode 23 - Teeth Tunnel Vision with Jaz Gulati - YPTFF Month
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Dentists Who Invest Podcast Episode 22 - What Car, How Much and When? with Dr. Neel Jaiswal
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Dentists Who Invest Podcast Episode 21 - Mortgages: The Current Market/First Time Buyers with Sarah Grace
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Dentists Who Invest Podcast Episode 20 - Are Buy To Lets Dead As An Investment? with Matt Rickard
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Dentists Who Invest Podcast Episode 19 - Associate Contract Law: How to Avoid Getting Duped with Kate Ford
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Dentists Who Invest Podcast Episode 18 - Q&A With A Property Guru with Dr. Harry Singh
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Dentists Who Invest Podcast Episode 17 - How To Be Savvy When Borrowing To Fund Your Practice Growth with Kevin Saunders
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Dentists Who Invest Podcast Episode 16 - Q&A With A Financial Advisor with Roderick Sam
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Dentists Who Invest Podcast Episode 15 - Bitcoin/Crypto with Dr. Victoria Jones
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Dentists Who Invest Podcast Episode 14 - Dr. Tony Kilcoyne Re-elected To The BDA with Dr. Tony Kilcoyne
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Dentists Who Invest Podcast Episode 13 - Some Reflections On Money And The Journey So Far with James Martin
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Dentists Who Invest Podcast Episode 12 - How The NHS Pension Actually Works with Luke Hurley
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Dentists Who Invest Podcast Episode 11 - Tax Efficiency with Mike Bryan
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Dentists Who Invest Podcast Episode 10 - Being An Entrepreneur with Dr. Dhru Shah
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Dentists Who Invest Podcast Episode 9 - Escaping Dentistry with Dr. Laura Brenner Studholme
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Dentists Who Invest Podcast Episode 8 - Communication and Sales with Ashley Latter.
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Dentists Who Invest Podcast Episode 7 - Building A Profitable Dental Practice with Nicki Rowland
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Dentists Who Invest Podcast Episode 6 - Beginner's Guide To Investing In Art with Dr. Annika Patel
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Dentists Who Invest Podcast Episode 5 - Buying and Selling a Dental Practice in the COVID Era with Andrew Acton
This episode focuses on delving deep into whether or not its still sensible to buy/sell a dental practice in the COVID era. We also discuss the current state of the market.
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Dentists Who Invest Podcast Episode 4 Mortgages and Income Protection with Vinay Rathod
This episode focuses on delving deep into how to optimize you mortgage to work for you as a Dentist and also the age old question of whether or not Income protection really is worth it.
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Dentists Who Invest Podcast Episode 3 Sensible Strategies For Long Term Investing with Dr. Vesselin Bachvarov
This episode focuses on answering the age old question of a DIY portfolio vs hiring an IFA and the most sensible methods for investing long term in the stock market.
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Dentists Who Invest Podcast Episode 2 Growing A Social Media Presence and The Merits Of Content Creation with Dr. Jabir Kazi
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Dentists Who Invest Podcast Episode 1 All things property with Dr. Harry Singh.
This content references an opinion only and is purely for information purposes. It is not intended for investment advice. Any and all liability for any exchange of money ends with oneself. Please seek the advice of an accredited professional for investment advice. All content represents an opinion only.