Dentists Who Invest

If you'd like to discuss your finances with a professional, you can connect with Luke and Anick here: https://www.viderefinancial.com/contact———————————————————————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———————————————————————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 Far from the outdated concept of "being put out to pasture," financial independence offers the freedom to choose how you spend your time – whether that's continuing clinical work on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.———————————————————————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———————————————————————What does it take to grow from one dental practice to 23 while still maintaining your passion for clinical dentistry? Dr Phil Friel shares the remarkable journey that began with a chance conversation in a pub and evolved into one of Scotland's most impressive dental groups.Dr Friel and his brother Christopher have built their dental empire through strategic acquisitions, focusing on larger practices while maintaining a distinctly family-owned approach that sets them apart from corporate entities. Phil reveals how they started with distressed clinics, rolling up their sleeves to paint and renovate themselves, before evolving to acquire established practices with seven or more surgeries.Perhaps most impressively, Phil still maintains three 12-hour clinical days weekly, dedicating the remainder of his time to visiting practices, meeting teams, and driving the business forward. He shares the efficiency breakthroughs that made this possible – from executive assistance to diary zoning – and how these systems transformed his professional and personal life.The conversation explores the brothers' complementary skills, their data-driven approach to practice management, and the £4 million they've invested in modernising equipment across their 130 dental chairs in just two years. Phil explains their "inverted pyramid" organisational philosophy, with patients at the top and owners at the bottom, and how the responsibility for 230+ team members and their families drives him to continue growing and improving.Whether you're struggling with the demands of a single practice or contemplating growth beyond your current operations, this episode offers practical wisdom from someone who's successfully navigated the journey while maintaining clinical excellence and building more freedom into his life. Ready to rethink what's possible in your dental career?———————————————————————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———————————————————————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.———————————————————————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———————————————————————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.———————————————————————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———————————————————————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.———————————————————————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/———————————————————————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———————————————————————Navigating financial uncertainty is a constant challenge for dental practice owners and associates alike. What separates the practices that merely survive from those that thrive during economic downturns? This episode delivers practical wisdom from expert accountant Johnny Minford on creating genuine resilience in your dental business.We begin by distinguishing between two critical forms of practice resilience—capital resilience (protecting practice value for potential sale) and income resilience (ensuring consistent revenue streams). While many factors contribute to both types, implementing the right strategies depends entirely on your long-term objectives. As Minford astutely observes, when inflation runs high, cash quickly loses value, making strong cash flow your ultimate protection.The conversation delves into patient management as a cornerstone of practice stability. Having more patients—even those not actively purchasing services—creates opportunities that wouldn't exist otherwise. We explore how patient retention occurs through two primary mechanisms: establishing regular visit habits and making strategic treatment invitations. This leads to a fascinating discussion about appointment scheduling psychology, with Minford suggesting optimal waiting times of 2-3 weeks for elective procedures to balance practicality with maintaining patient motivation.Perhaps most compelling is our examination of the often contentious topic of associate compensation. Location emerges as the primary factor determining appropriate splits, with urban areas typically featuring lower percentages while rural practices offer higher rates to attract talent. Minford emphasizes that compensation extends beyond percentages: "If you treat your team badly and screw them to the floor every chance you get, after two or three years you become known for that." Some practices implement tiered systems where associates can earn substantially higher splits as they exceed production thresholds—creating win-win scenarios for motivated dentists and practice owners alike.We also tackle the legal implications of hygienist remuneration, treatment planning based on patient demographics, and strategies for both specialist referral practices and general practices to maintain visibility and growth in challenging markets. The result is a comprehensive blueprint for creating unshakeable value in your dental business, regardless of economic conditions.Don't miss the opportunity to earn free verifiable CPD by completing a short questionnaire through the link in our show notes after listening.———————————————————————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 maySend 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———————————————————————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.———————————————————————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———————————————————————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.———————————————————————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———————————————————————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.———————————————————————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———————————————————————Get your free verifiable CPD for this episode here >>>  ———————————————————————Unravelling the complexities of the NHS pension scheme can feel like navigating a labyrinth, but financial planning expert Luke Hurley breaks it down with crystal-clear explanations that will transform your understanding.Luke begins by framing the NHS pension within the broader context of financial independence – that pivotal moment when work becomes a choice rather than a necessity. While the average UK household might target around £60,000 annually for a "comfortable" retirement, Luke emphasizes that everyone's number is different, and knowing your personal target is essential for effective planning.Through an illuminating case study, we see exactly how the NHS pension fits into a comprehensive financial plan, providing that crucial stream of guaranteed, inflation-protected income that forms the bedrock of retirement security. But the podcast quickly dispels common misconceptions: your NHS pension is not a pot of money you're building up – it's a promised future income from the government. Those contributions you make? They're essentially membership fees, not investments growing in an account with your name on it.The most valuable insights come when Luke explains how your pension actually grows (through earnings and annual revaluation), the differences between the three pension sections (1995, 2008, and 2015), and the advantages and limitations of the scheme. Particularly eye-opening is the discussion of how reforms have progressively pushed back normal retirement ages and reduced spouse/partner benefits – critical knowledge for anyone making long-term plans.Whether you're just starting your NHS career or approaching retirement, this episode delivers practical wisdom that will help you make informed decisions about your financial future. And as a bonus, UK dentists can earn free verifiable CPD by completing a simple questionnaire after listening – making this not just an educational experience, but a professionally valuable one too.———————————————————————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/what-cover-do-i-need-to-protect-me-and-when-with-warren-robins———————————————————————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.———————————————————————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 pSend 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———————————————————————If you'd like to discuss your finances with a professional you can connect with Anick here: https://www.viderefinancial.com/contact———————————————————————Financial planning takes on new dimensions with each tax year, and 2025 brings significant changes dentists need to understand. Financial planner Anik Sharma from Vider Financial Planning joins us to unpack investment vehicles available to dental professionals and crucial updates affecting your financial strategy.The conversation kicks off with a fundamental yet often overlooked principle: financial organization eliminates the annual scramble before tax deadlines. Beyond reducing stress, this approach delivers measurable benefits – contributing to investments at the tax year's start rather than its end could generate an additional £60,000 over 30 years through compound growth.Anik walks through the key investment accounts dentists should consider, starting with ISAs. Recent rule changes now allow contributions to multiple stocks and shares ISAs within a single tax year (while maintaining the £20,000 annual limit). We explore misconceptions about platform diversification and the Financial Services Compensation Scheme, clarifying that the £85,000 protection applies to banking licenses rather than individual institutions.For pensions, we delve into tax relief benefits while highlighting complexities for high earners. The most significant upcoming change arrives in April 2027, when pensions will potentially fall within inheritance tax scope – though final implementation details remain pending. NHS pension scheme members face additional complications with the ongoing McLeod remedy affecting annual allowance calculations and private pension planning.Limited company owners have additional considerations when deciding whether to invest through corporate structures or extract funds for personal investment. This leads to the fundamental question: how should dentists allocate investments across different accounts?The answer lies in comprehensive cashflow planning – mapping your current position to your desired future before determining the optimal investment strategy. This approach ensures your portfolio powers your life plan rather than existing as an end itself.Looking to optimize your financial strategy for the new tax year? Subscribe for more insights on building financial resilience that supports both your dental practice and personal aspirations.———————————————————————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———————————————————————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.———————————————————————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 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.———————————————————————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———————————————————————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.———————————————————————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 >>>  ———————————————————————The financial reality of dental practice ownership and associate earnings is often shrouded in mystery and misconceptions. In this revealing conversation with dental accountancy expert Johnny Minford, we pull back the curtain on what dentists are actually earning based on the latest NASAL figures.Prepare for some genuine surprises as we discover that NHS practices are currently showing slightly higher profits than private practices – £166,000 versus £162,000 per principal – completely contrary to conventional wisdom. Johnny explains how private practice profits have declined from post-pandemic highs while NHS practices have maintained steady growth, despite ongoing recruitment challenges.We explore the dramatic earnings gap between associates in different settings, with private practice associates earning approximately £105,000 compared to £74,000 for their NHS counterparts. Yet these figures don't tell the whole story, as they fail to account for lifestyle choices, working hours, and specialized services that significantly impact earning potential.Perhaps most startling is the geographical disparity revealed in our analysis – dentists in London earn approximately 33% less than colleagues in regions like East Anglia, Scotland and the Northeast. We examine the complex factors behind this counterintuitive finding, from higher operating costs to competitive pressures.The financial landscape of dentistry continues to evolve rapidly, with practices increasingly diversifying their income streams. The percentage of predominantly NHS practices has fallen significantly in recent years, reflecting a strategic shift across the profession.Have you ever wondered how your practice earnings compare to industry benchmarks? Listen now to gain valuable financial context for your dental business, and don't forget to earn free verifiable CPD by completing the short questionnaire linked in our description.———————————————————————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———————————————————————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 Anik 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!———————————————————————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———————————————————————The financial squeeze on UK dental practices has reached critical levels, with Eddie Crouch, chairman of the BDA, revealing that recent budget changes alone are adding approximately £14,000 in annual costs to the average practice. This sobering reality frames our conversation about the current state and future of dentistry in Britain.While private practices can adjust fees to accommodate rising costs, NHS practices find themselves in an increasingly untenable position. The much-touted 6% pay uplift from the government masks a troubling reality – practice expenses are calculated using a government "GDP deflator" of just 1.68%, while actual dental practice inflation runs closer to 14%. As Eddie explains, this disparity has contributed to a 30% drop in NHS dentist income over the past decade, pushing many to reduce their NHS commitment or exit completely.The podcast takes us behind closed doors into Eddie's conversations with MPs across the political spectrum, revealing surprising insights about how politicians perceive the dental crisis. With only 3% of practices currently accepting new NHS patients and approximately 13 million people unable to access NHS dental care, some newly elected MPs in marginal constituencies believe their re-election prospects hinge on addressing this issue. Despite this growing awareness, meaningful policy changes remain elusive.We explore various potential futures for NHS dentistry – from focusing exclusively on children's care to providing only emergency services or limiting care to those who cannot afford private treatment. Eddie offers a candid assessment of these options while discussing the changing business models in dentistry, including the rise of corporate ownership and the shifting balance of power between practice owners and associates.Don't miss our exciting announcement about free verifiable CPD now available for UK dentists listening to this episode. Simply follow the link in the description to complete a short questionnaire and receive your certificate, helping you meet your professional development requirements while staying informed on critical issues facing our profession.———————————————————————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———————————————————————Chancellor Rachel Reeves's spring statement brought limited changes, but dental practices still face significant financial shifts from April 1st stemming from October's budget announcements. Specialist dental accountant David Hossain breaks down exactly what dental professionals need to know right now.The increasing cost pressures on dental businesses deserve close attention. With employer National Insurance contributions rising by 1.2% and the National Living Wage jumping to £12.21 hourly, practice owners face immediate decisions about pricing structures and operational expenses. Meanwhile, those considering practice sales should take note of the Business Asset Disposal Relief tax rate climbing from 10% to 14% on the first £1 million of proceeds - a change triggering a flurry of transactions before the April deadline.Beyond these immediate concerns, dental professionals should prepare for expanding HMRC enforcement activity. Random practice inspections are becoming more common after years of relative quiet, while late payment penalties increase to 10%. Making Tax Digital also moves forward despite delays, eventually requiring quarterly accounting submissions. With economic growth forecasts halved to just 1% and government welfare cuts expected to push 250,000 people into poverty, the broader economic environment presents additional challenges for dental businesses.Want to turn listening into learning? We're excited to announce that this episode offers free verifiable CPD to all UK dentists. Simply click the link in our description, complete the questionnaire, add your reflections, and we'll email your certificate. Stay financially informed while meeting your CPD requirements - subscribe now for more essential insights that protect and grow your dental business.———————————————————————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/mortgage-bulletin-for-dentists-with-sarah-grace———————————————————————The mortgage landscape for UK dentists is shifting dramatically in 2024. Sarah Grace, a specialist mortgage broker to dental professionals, breaks down what you need to know right now about your most significant financial commitment.The recent Bank of England decision to hold interest rates at 4.5% signals caution amid ongoing economic concerns. Sarah explains why experts anticipate possible rate reductions around August, potentially reaching 4% by year-end, while clarifying the crucial distinction between Bank of England decisions and the swap rates that determine fixed mortgage costs.For many dental professionals, this year brings significant financial adjustments as the "bumper year" for fixed-rate expirations continues. If you're transitioning from a low fixed rate secured years ago, prepare for potential payment increases as rates have climbed substantially. Sarah guides us through practical considerations and timing strategies to minimize financial impact during this transition.Perhaps most urgently, first-time buyers face a critical April 1st deadline when stamp duty thresholds revert to £300,000. This represents a substantial financial hit for dental professionals purchasing above this price point - with one client potentially facing an additional £11,000 tax bill if missing the March deadline. Understanding these imminent changes is essential whether you're refinancing, buying your first practice property, or expanding your portfolio.Are you making the most informed decisions about your mortgage? Listen now, and don't forget to claim your free verifiable CPD by completing the short questionnaire through the link in our description!———————————————————————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-most-important-part-of-your-investing-strategy-with-luke-hurley———————————————————————Ever feel like you're on a financial treadmill, working harder and accumulating more without a clear destination in mind? You're not alone. While most investors obsess over stock picks and portfolio diversity, they're missing the crucial first step that truly determines financial success.Financial advisor Luke Hurley joins us to reveal why defining your vision should come before any investment decisions. He shares three powerful principles that form the foundation of effective financial planning: time as our most precious resource, happiness as our ultimate goal, and money as merely a tool to enable our best life.The conversation explores how to discover your financial "why" by asking deeper questions about what truly matters to you. Luke guides us through setting meaningful milestone goals and calculating your personal "number" for financial independence—that sweet spot where you work because you choose to, not because you have to.The statistics are eye-opening: 77% of UK adults don't know how much they need for retirement, while only 20% feel confident they're saving enough. For dentists and high-earning professionals, the insights are particularly valuable—you might already have enough to retire but haven't realized it because you've never defined what "enough" means to you.We examine the limitations of conventional retirement calculations like the 4% rule and challenge common assumptions about pension strategies. Luke explains why proper planning might mean preserving pension assets for inheritance rather than early withdrawal—a counterintuitive approach that could significantly benefit your financial legacy.Ready to align your money with your true values? Listen now to discover your financial vision—and don't forget, UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description. Transform your relationship with money by first understanding what it's really for.———————————————————————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———————————————————————Tax burdens for UK dentists have been steadily climbing, and there's more on the horizon. Dental practice owners need to prepare for significant changes as the Labour government takes aim at the £40 billion "tax gap" - the difference between what HMRC expects to collect and what it actually receives each year.The surprising truth? Small and medium-sized businesses like dental practices account for a staggering 60% of this uncollected tax - approximately £24 billion annually. This makes dentists prime targets as the government deploys 5,000 new HMRC inspectors specifically focused on increasing tax compliance among smaller businesses. While many might question why authorities aren't pursuing multinational corporations more aggressively, the reality is that SMEs represent the practical opportunity for increased revenue collection.Making Tax Digital (MTD) represents another major shift coming in April 2026 for sole traders (and later for limited companies). Instead of filing a single annual tax return, professionals will need to submit quarterly returns plus additional adjustments - effectively increasing the administrative burden sixfold. This system will require mandatory use of accounting software with bank feed integration, potentially creating a digital environment where expenses claimed by one business automatically generate expected income entries in another's accounts. The days of cash transactions without digital footprints are quickly disappearing.What can dentists do to prepare? Focus on legitimate tax planning while ensuring complete compliance. Maximize pension allowances, evaluate whether your business structure (sole trader vs limited company) remains optimal, consider tax-efficient investments like electric vehicles, and perhaps most importantly, invest in tax investigation protection to cover the substantial accounting costs associated with HMRC inquiries. Remember - tax avoidance through proper planning is perfectly legal; tax evasion never is. Listen now to ensure your practice is ready for the changing tax landscape, and don't forget to claim your free verifiable CPD by completing the questionnaire linked in our description.———————————————————————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———————————————————————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.———————————————————————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 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!———————————————————————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 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!———————————————————————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———————————————————————Unravel the secrets of gold investment and explore why this timeless asset is still a sought-after choice for diversifying your financial portfolio. In our latest episode, we delve into the historical significance of gold, examining its beauty and the cultural consensus that supports its substantial value. We discuss vital investment principles, such as the contrast between tangible assets like gold and paper investments that are susceptible to market fluctuations.Listeners will discover four key strategies for investing in gold: owning physical gold, investing in gold mining stocks, considering gold ETFs, and engaging in spread betting. We navigate the complexities of each method, weighing the pros and cons to equip you with knowledge that aids in making informed decisions. As conversations about economic stability grow louder, now is the time to contemplate how gold can protect and enhance your wealth. Join us for insights and expert analysis that will provide clarity on including gold in your investment strategy. Ready to explore the gold market? Tune in and discover what you need to know!———————————————————————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? https://www.viderefinancial.com/contact———————————————————————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 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.———————————————————————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———————————————————————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.———————————————————————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.———————————————————————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? https://www.viderefinancial.com/contact———————————————————————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 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.———————————————————————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———————————————————————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 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.———————————————————————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———————————————————————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!———————————————————————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———————————————————————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!———————————————————————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———————————————————————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.———————————————————————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———————————————————————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.———————————————————————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 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.———————————————————————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———————————————————————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.———————————————————————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 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.———————————————————————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 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.———————————————————————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 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.———————————————————————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———————————————————————Master the roadmap to early retirement tailored for dentists, as we host an enlightening discussion with financial planning expert Anik Sharma. With unique strategies and eye-opening insights, Anick reveals how dentists can redefine their retirement journey by measuring wealth in terms of time, relationships, and experiences rather than just money. Through a captivating client story, we uncover the power of clearly identifying where you are now and where you want to be, challenging the conventional retirement age and societal norms. Discover how understanding your financial situation can open doors to retiring earlier than anticipated, aligning your financial goals with personal aspirations for a more fulfilling life.In a modern twist on traditional retirement models, we explore innovative approaches to crafting a retirement plan that genuinely caters to your needs and desires. Imagine your financial plan as a bucket where income, assets, and expenditures must be perfectly balanced to ensure both present joy and future security. Anick compares financial planning to dental treatment planning, emphasizing the importance of a clear diagnosis before choosing the right financial remedy. Join us as we highlight the critical role of financial planners in crafting context-rich, personalized strategies that empower you to navigate your retirement journey with confidence and joy.———————————————————————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 to truly secure your financial future in the dental profession? Join us as Mr. Anick Sharma returns for his third appearance on the Dentists Who Invest Podcast, where he shatters common myths about financial planning and investment. We begin by revisiting foundational concepts like the time value of money and inflation's relentless impact on your savings. Anick underscores why investing is non-negotiable for maintaining and growing your purchasing power, and we explore the stock market's efficiencies and the critical importance of not missing the best days for investment returns.For those just starting their careers, we discuss the pathway to financial freedom, emphasizing the importance of income generation and reinvesting into diversified assets. Anick cautions against the lure of speculative investments, like Bitcoin, advocating instead for a disciplined, rules-based approach to withstand market volatility. Highlighting the power of compounding, we delve into the necessity of starting early and maintaining a steady hand to avoid emotional decision-making during market fluctuations.Shifting gears to retirement planning, we emphasize the dangers of holding cash and the value of investing for long-term growth. Anick provides insights into understanding personal financial goals and the flexibility dental business owners have in planning their futures, including strategies for business exits. Learn why selling at a sufficient value, rather than holding out for the highest price, can offer the freedom to enjoy your desired retirement lifestyle. Tune in for a balanced perspective that aligns financial strategies with your life goals—a must-listen for anyone serious about securing their financial future.———————————————————————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 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.———————————————————————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 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.———————————————————————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———————————————————————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.———————————————————————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