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.

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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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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Tired of six-day weeks in the clinic but still want to build wealth and freedom? In this powerful episode, Dr James Martin shares a strategy that’s helping dentists work fewer hours without compromising financial success.

The key isn’t resenting dentistry—it’s about creating financial stability while reclaiming your time. Drawing on Robert Kiyosaki’s Cash Flow Quadrant, James explains how most dentists sit in the “self-employed” space, trading time for money. The long-term goal? Move across the quadrant to become an owner or investor, where assets generate income for you.

Before diving into property or stock strategies, James highlights the most overlooked first step: maximise your clinical efficiency and income. Upskilling, better communication, and effective treatment planning can dramatically increase your earnings per hour—giving you the capital to invest and scale back your clinical hours over time.

Whether you’re a new graduate or approaching retirement, this episode lays out the mindset and strategy behind doing less dentistry while securing long-term wealth.

Ready to start building a life beyond the chair? Listen now and discover what one small shift could set you on the path to financial freedom.

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

Send us a text

Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/how-much-do-dentists-earn-new-nasdal-figures-with-johnny-minford

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The financial reality of dental practice ownership and associate earnings is often misunderstood. In this revealing discussion with dental accountancy expert Johnny Minford, we uncover the true earnings of UK dentists, based on the latest NASDAL figures.

Surprisingly, NHS practices are showing slightly higher profits than private practices—£166,000 versus £162,000 per principal—challenging conventional wisdom. Johnny explains how private practice profits have declined from post-pandemic highs, while NHS practices have maintained steady growth despite recruitment challenges.

We also delve into the earnings gap between associates, with private practice associates earning £105,000 compared to £74,000 for NHS counterparts. But earnings are more than just numbers—they’re influenced by lifestyle, working hours, and specialised services.

One of the most eye-opening findings is the geographical disparity in earnings. Dentists in London earn approximately 33% less than their colleagues in regions like East Anglia, Scotland, and the Northeast—an unexpected insight into the factors driving regional income differences.

As the dental profession continues to evolve, we explore how diversification of income streams is reshaping the financial landscape. The percentage of predominantly NHS practices is falling, reflecting a broader shift in strategy.

Curious how your earnings compare to industry benchmarks? Listen now and UK dentists can earn free verifiable CPD by completing the short questionnaire linked in the episode description.

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

Send us a text

Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/effective-inheritance-tax-planning-with-luke-hurley-and-anick-sharma

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Are you a dentist looking to grow your wealth? You can connect with Luke and Anick here: https://www.viderefinancial.com/contact

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Inheritance tax is often called “the optional tax”—because with the right planning, dental professionals can significantly reduce its impact and protect family wealth. Financial experts Luke Hurley and Anick Sharma break down the key strategies to help you safeguard your estate.

Every UK taxpayer has a £325,000 nil rate band, transferable between spouses, plus a £175,000 residence nil rate band for direct descendants. But beyond these limits, a 40% tax can erode your hard-earned wealth. This episode explores practical tax-saving strategies, including the often-overlooked gifting from normal expenditure out of income—a powerful tool for high-earning dentists.

Our experts also tackle common pitfalls, such as poor investment choices promising tax relief, international tax complications, and key business relief rules affecting dental practice sales. Their philosophy? Smart planning should balance tax efficiency with enjoying your wealth—after all, as Anik says, “When they die, I want to see the cheque to the undertaker bounce.”

Want to secure your family’s financial future? Listen now—and UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description!

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

Send us a text

Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/heres-what-the-uk-government-are-doing-to-the-finances-of-dentists-with-eddie-crouch

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The financial pressure on UK dental practices has never been higher. Eddie Crouch, chairman of the BDA, reveals how recent budget changes are adding an extra £14,000 per year in costs to the average practice, pushing many NHS dentists to the brink.

While private practices can adjust fees, NHS practices face a deeper crisis. Despite a 6% government pay uplift, practice expenses are calculated using a 1.68% GDP deflator, while real dental inflation is closer to 14%. This mismatch has led to a 30% drop in NHS dentist income over the past decade, with more dentists reducing or exiting their NHS commitments.

Eddie shares insights from his discussions with MPs, exposing how politics influences NHS dental policies. With only 3% of practices accepting new NHS patients and 13 million people lacking NHS dental access, the future of NHS dentistry is uncertain. Will it focus solely on children’s care, emergency services, or means-tested access? Eddie explores these possibilities, along with the rise of corporate dentistry and shifting practice ownership dynamics.

Stay informed on the biggest challenges in UK dentistry. Listen now—and UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description!

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

Send us a text

Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/what-the-spring-budget-means-for-dentists-with-david-hossein

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The latest Spring Budget may not have brought major surprises, but UK dental practices still face big financial changes from April 1st. Specialist dental accountant David Hossein explains what these updates mean for practice owners and associates.

With employer National Insurance rising by 1.2% and the National Living Wage increasing to £12.21 per hour, practice costs are set to climb. Meanwhile, those selling a practice should prepare for the Business Asset Disposal Relief tax rate jumping from 10% to 14%—leading to a rush of transactions before the April deadline.

Beyond tax changes, HMRC enforcement is ramping up. Random inspections are becoming more frequent, late payment penalties are rising to 10%, and Making Tax Digital continues moving forward. Economic growth forecasts have also been halved, adding further pressure on dental businesses.

Want to stay ahead of financial challenges? Listen now and UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description.

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

Send us a text

Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/mortgage-bulletin-for-dentists-with-sarah-grace

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The mortgage landscape for UK dentists is changing fast in 2024. Specialist mortgage broker Sarah Grace breaks down what dental professionals need to know about interest rates, fixed-rate expirations, and key deadlines that could impact their financial future.

With the Bank of England holding interest rates at 4.5%, experts predict potential reductions by year-end—but fixed mortgage costs depend on swap rates, not just central bank decisions. Sarah explains what this means for dentists navigating the mortgage market.

If you’re coming off a low fixed-rate deal, prepare for higher repayments as rates have risen. Sarah shares practical strategies to manage this transition. First-time buyers must also act fast—stamp duty thresholds revert on April 1st, with some dentists facing up to £11,000 in extra tax if they miss the March deadline.

Are you making the best mortgage decisions? Tune in now, and UK dentists can earn free verifiable CPD by completing the questionnaire in the episode description!

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

Send us a text