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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Looking to boost your dental practice's cash flow without increasing revenue? The secret might lie in restructuring your existing debt.

Finance expert Dan Fearon reveals the power of blended loans - an increasingly popular but still under-utilized financial tool that's helping practice owners dramatically reduce their monthly outgoings. While traditional practice financing typically separates goodwill and property loans, blended facilities combine multiple debts into a single, longer-term repayment structure.

The cash flow impact can be transformative. Dan shares a striking real-world example where one practice owner slashed their monthly repayments from £20,000 to just £7,000 through strategic debt restructuring. Though extending loan terms means paying more interest over time, the immediate financial flexibility allows practices to pursue growth opportunities that might otherwise remain out of reach.

Beyond blended loans, we explore the evolving dental finance landscape, including innovative products like partial amortizing loans with interest rates starting from just 1%, extended terms for leasehold premises, and new market entrants offering up to 90% loan-to-value. With lenders actively competing for dental business, practice owners have more negotiating power than ever before.

We're also excited to announce our new free verifiable CPD offering for UK dentists. Simply listen to the episode, click the link in our description, complete a short questionnaire, and we'll email your certificate directly. Your podcast listening can now contribute toward your required CPD hours!

Have you considered restructuring your practice debt? What would you do with an extra £13,000 in monthly cash flow? Let us know in the reviews, and don't forget to subscribe for more financial insights that can transform your dental business.

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

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If you’d like to discuss your finances with a professional, you can connect with Luke here: https://www.viderefinancial.com/contact

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Get your free verifiable CPD for this episode here >>>

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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.

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

Send us a text

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

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The financial security of your dental career depends on more than just clinical excellence. After investing years and significant resources into becoming a dentist, have you protected that investment against life's uncertainties?

This eye-opening episode features insurance specialist Warren Robins guiding us through the evolving insurance needs of dentists at each career stage. Beginning with newly qualified associates, Warren emphasizes the critical importance of income protection as the foundation of financial security. Securing this coverage early—when you're young, healthy, and premiums are lowest—locks in your ability to receive income even if unable to practice dentistry.

As we progress through life events like marriage, mortgages, and children, insurance needs expand accordingly. Warren explains why standard mortgage life insurance often falls short for high-earning professionals and introduces Family Income Benefit as a cost-effective alternative to expensive lump-sum policies. For practice owners, we explore the commercial insurance requirements of lenders and how to protect both personal and business finances through executive income protection and key person coverage.

With NHS waiting lists exceeding 7.4 million patients, Warren makes a compelling case for private medical insurance, particularly for self-employed practitioners whose income depends entirely on their ability to work. He frames it as a logical extension of the private dentistry model—why would you offer premium care to patients while accepting standard waiting times for yourself?

The episode concludes with inheritance tax planning strategies for dentists approaching retirement, demonstrating how whole of life policies can provide tax-efficient returns to beneficiaries while potentially qualifying for premium discounts through inheritance tax relief.

Don't miss our exciting announcement about free verifiable CPD available to all UK dentists who listen to this episode! Simply click the link in the description to complete a short questionnaire and receive your certificate. Take this opportunity to simultaneously enhance your professional knowledge and protect the career you've worked so hard to build.

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

Send us a text

If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact

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Get your free verifiable CPD for this episode here >>>

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The 2025 tax year brings critical updates to ISAs, pensions, and GIAs—and dental professionals need to stay ahead. In this episode, financial planner Anick Sharma breaks down the rule changes and strategic shifts that could impact your long-term wealth.

From multiple ISA contributions now being allowed in one tax year to the future inheritance tax implications on pensions, this episode arms you with the key updates that matter. Anick also explains the often-misunderstood FSCS protection rules, why cashflow planning beats guesswork, and how early investing each tax year could grow your portfolio by up to £60,000 over 30 years.

We also unpack how NHS pension complexities and corporate investing affect your decisions as a practice owner or associate.

Listen now and futureproof your finances with insights tailored to the dental profession.

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

Send us a text

Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/ltd-co-vs-sole-trader-what-you-need-to-know-for-this-tax-year-with-amman-sarkaria

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Should you operate as a sole trader or through a limited company? For dental professionals, this decision can impact everything from tax bills to long-term wealth. In this essential episode, specialist dental accountant Amman Sarkaria breaks down the financial, legal, and practical implications of each structure — updated for the 2025 tax year.

Amman walks us through real-world comparisons, including a £130,000 income example that shows how dentists could save up to £25,000 annually with the right limited company setup. Learn how to optimise your salary-dividend mix, make use of electric vehicle deductions, and even employ family members legally and effectively.

But it’s not just about tax perks—we explore NHS pension eligibility, IR35 risks, and whether a Ltd Co truly fits your career stage and lifestyle goals.

Whether you’re newly qualified or restructuring your business, this episode delivers the insight every UK dentist needs to make an informed, strategic decision.

Listen now and maximise your tax efficiency this financial year.

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

Send us a text

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

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What if retirement isn’t about stopping work—but about stopping the trade-off between stress and future freedom? In this thought-provoking episode, Dr James Martin unpacks the real meaning of early retirement and how dentists can achieve it without sacrificing their wellbeing.

You’ll discover three distinct retirement pathways: radical expense cutting, wealth accumulation, or living with present balance. James explains the three financial life stages—accumulation, pinnacle point, and distribution—and how understanding which phase you’re in shapes your entire strategy.

The stats are eye-opening: a £10,000 investment returning 10% annually could grow to £450,000 over 40 years, compared to just £130,000 at 6%. But beyond the numbers, many dentists are already at their pinnacle point—the moment they could choose to slow down—yet continue working full-tilt due to lack of clarity.

This episode is your chance to step back, assess your journey, and begin building financial freedom on your terms.

Listen now to redefine retirement—and decide how you really want to live.

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

Send us a text

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

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

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

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

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

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

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

Send us a text

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

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

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

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

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

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

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

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

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