You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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Dental professionals face a pivotal decision that can drastically affect their financial future: operate as self-employed or through a limited company? The tax landscape has shifted in 2025, making this choice more consequential than ever.

Specialist dental accountant Amman Sarkaria joins us to dissect the fundamental differences between these business structures from the ground up. We examine the legal implications – how self-employed individuals remain personally liable while limited companies offer asset protection through separation between personal and business finances. This distinction extends to taxation, with limited companies allowing strategic combinations of salary and dividends that can lead to substantial savings.

Through a detailed worked example, we reveal how a dental associate earning £130,000 could save approximately £25,000 annually through proper limited company structuring. The numbers speak for themselves – self-employed dentists face combined tax and student loan payments approaching 50% of earnings, while limited companies can significantly reduce this burden.

Beyond basic structure, we explore an arsenal of tax-efficient strategies available to limited company directors. From purchasing electric vehicles (with 100% tax deduction potential) to employing family members, utilizing annual events allowances, implementing trivial benefits, and structuring home office expenses – each represents an opportunity to enhance your financial position. We even delve into advanced planning through holding company structures for those with significant business cash reserves.

The podcast isn't just about tax minimization. We balance potential advantages against important considerations like NHS pension scheme membership, maternity benefits, and IR35 compliance. Making the right choice requires understanding your personal financial goals, cash flow requirements, and long-term plans.

Whether you're starting your dental career or reassessing your existing business structure, this comprehensive breakdown provides the knowledge you need to make informed decisions. Ready to transform your tax efficiency and financial future? Listen now and discover which approach aligns with your professional journey.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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Retirement doesn't have to mean sailing off into the sunset, never to work again. What if we've been thinking about it all wrong? This eye-opening exploration challenges conventional wisdom about what retirement actually means and offers a refreshing perspective: retirement is the day you stop exchanging present unhappiness for the future promise of being happy.

Many spend decades grinding away, sacrificing their wellbeing and happiness today for a theoretical future that might not deliver the satisfaction they expect. But there's a better way. By understanding the three potential paths to retirement—radical expense reduction, massive wealth accumulation, or finding present balance—you can make intentional choices that align with your true desires.

Your financial journey consists of three distinct phases: accumulation (building wealth), pinnacle point (reaching financial independence), and distribution (living off your assets). Each phase requires different strategies and mindsets. During accumulation, optimizing your investment returns can dramatically accelerate your timeline—the difference between average 6% returns and strategic 10% returns could mean having £450,000 instead of £130,000 after 40 years on a £10,000 investment.

Perhaps most surprising is how many professionals, particularly dentists, discover they've actually reached their pinnacle point without realizing it. They continue working at full capacity when they could already be enjoying more freedom and flexibility. Through proper financial planning and regular assessment, you can gain clarity about where you stand and make informed decisions about your work-life balance.

Ready to redefine what retirement means for you? Whether you're just starting your financial journey or wondering if you've already reached your pinnacle point, this conversation provides the framework to understand your position and take meaningful steps toward financial freedom on your terms.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

Send us a text

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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Ever caught yourself wondering how to escape the six-day workweek grind while still building wealth? You're not alone. Dentists everywhere are seeking that elusive balance between clinical hours and financial freedom, without sacrificing either present happiness or future security.

The challenge isn't about disliking dentistry—it's about creating space for life's other dimensions while ensuring financial stability. Many practitioners fall into the trap of believing more clinical hours automatically translate to greater wealth. I know because I've been there, working six days a week under the mistaken notion that time always equals money.

What truly transformed my perspective was understanding Robert Kiyosaki's Cash Flow Quadrant. This simple yet powerful framework divides income sources into workers (employees and self-employed) on the left and owners (business owners and investors) on the right. As dentists, we typically fall into the self-employed category—we may earn well, but we're still trading time for money. The secret to working less while maintaining or growing income lies in gradually moving assets from the left to the right quadrant.

The most overlooked pathway to accelerating this transition isn't fancy investment strategies for an extra 2% return—it's maximizing your clinical efficiency and income first. By upskilling clinically, improving communication, and mastering treatment planning, you can generate significantly more revenue in fewer hours. This creates the capital needed to invest on the right side of the quadrant, eventually building assets that work for you rather than you working for them.

Whether you're early in your career or contemplating retirement after a practice sale, understanding this balance between present income generation and future asset building is crucial. The journey to doing less dentistry while securing your financial future isn't about drastic changes—it's about strategic shifts in how you view both your clinical work and your wealth-building journey. What one change could you make today to start your transition from worker to owner?

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

Send us a text