Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt; <a href="https://www.dentistswhoinvest.com/videos/buying-a-dental-practice-heres-what-you-need-to-know-with-maja-thompson-and-kimberley-parker">https://www.dentistswhoinvest.com/videos/buying-a-dental-practice-heres-what-you-need-to-know-with-maja-thompson-and-kimberley-parker</a>——————————————————————— Stepping into practice ownership represents a monumental career milestone, yet the process remains shrouded in complexity for many dentists. This comprehensive episode pulls back the curtain on dental practice acquisition with unparalleled clarity and expert guidance. Maja Thompson and Kimberley Parker from Henry Schein Dental Practice Sales bring their combined decades of experience to illuminate every aspect of the buying journey. With Maja's background in practice acquisitions and ownership, alongside Kimberley's 15 years specializing in practice finance, they offer a treasure trove of insights you simply won't find elsewhere. The dental acquisition landscape has evolved dramatically in recent years. After a cooling period triggered by rising interest rates in late 2022, the market has adapted, with independent buyers and small groups now driving significant activity. This shift creates tremendous opportunities for individual practitioners looking to take their first step into ownership. From identifying the perfect practice to navigating financing options, this episode methodically walks through critical considerations that shape successful acquisitions. You'll discover why location extends far beyond personal preference, how diverse revenue streams create stability, and the long-term implications of property decisions. The experts demystify practice valuation methods, revealing how EBITDA multiples vary between owner-occupier models (2.5-4.5) and associate-led practices (6-9).——————————————————————— 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.

The Academy Discover Your Options as an Investor

Buying A Dental Practice - Here's What You Need To Know with Maja Thompson and Kimberley Parker [CPD Available]

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt; <a href="https://www.dentistswhoinvest.com/video/1">https://www.dentistswhoinvest.com/video/1</a>——————————————————————— What if the key to financial freedom isn't working harder, but thinking differently about money altogether? That's the powerful premise behind this conversation with Dr. James Martin, founder of Dentists to Invest and a pioneer in financial education for dental professionals. From an accidental entry into dentistry (thanks to a cousin's suggestion) to creating the UK's largest financial community for dentists, James shares the unconventional journey that led him to discover his true calling. After qualifying from Leeds in 2016, he pursued clinical practice while quietly nurturing a parallel passion for finance and investing. The pivotal moment came during recovery from knee surgery in 2020, when he spotted a critical gap – UK dentists lacked a dedicated platform for financial discussions tailored to their unique circumstances. The growth of Dentists to Invest reflects a profound hunger among dental professionals for financial knowledge that traditional education never provided. James reveals how he maintains the community's high standards and value, carefully vetting contributors and ensuring the platform delivers genuinely useful content rather than becoming a marketing playground. The conversation takes a fascinating turn when exploring how artificial intelligence is revolutionizing financial planning for dentists. From AI-generated CPD content to sophisticated financial modeling that considers countless variables, these tools are creating unprecedented opportunities for practice owners to make better decisions with less effort. Most dental practices, James notes, remain stuck in outdated systems – presenting enormous potential for those willing to embrace innovation.——————————————————————— 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.

DWI Store

This Is What Tech Means For Your Career As A Dentist with Randeep Gill

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt; <a href="https://www.dentistswhoinvest.com/videos/got-crypto-listen-to-this-to-make-sure-you-dont-break-any-tax-rules-with-emily-bingham">https://www.dentistswhoinvest.com/videos/got-crypto-listen-to-this-to-make-sure-you-dont-break-any-tax-rules-with-emily-bingham</a>——————————————————————— We've brought in crypto-specialist accountant Emily from Alexander &amp; Co to demystify the complex world of cryptocurrency taxation specifically for dental professionals. This comprehensive guide walks you through everything from basic capital gains calculations to the nuanced tax implications of staking rewards and stable coin investments. With capital gains tax rates now at 18% for basic rate taxpayers and 24% for higher rate taxpayers, getting this right is essential for your financial wellbeing. The conversation reveals several potential pitfalls that catch many dentists by surprise. Did you know that the "30-day rule" could create tax liabilities even when you believe you've made losses? Or that staking rewards are subject not only to income tax at your marginal rate but also to student loan repayments? For higher-rate taxpayers with outstanding student loans, this means nearly half of your staking rewards could be claimed by HMRC and the Student Loans Company combined. Looking ahead, we explore the seismic shift coming in January 2026 when the Crypto Asset Reporting Framework makes it mandatory for exchanges to share your data with tax authorities. With 52 countries already committed to this global initiative, the window for getting your crypto tax affairs in order is closing. Emily shares practical advice on voluntary disclosure and how to minimize penalties if you haven't been fully compliant. Don't miss this opportunity to claim free verifiable CPD by completing the short questionnaire linked in the description. Equip yourself with the knowledge to confidently manage your crypto investments while staying firmly on the right side of HMRC regulations.——————————————————————— 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.

Got Crypto? Listen To This To Make Sure You Don't Break Any Tax Rules with Emily Bingham

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/video/1">https://www.dentistswhoinvest.com/video/1</a>——————————————————————— What happens when a dentist's unexpected knee surgery becomes the catalyst for a financial education revolution? Dr. James Martin, founder of Dentists Who Invest, shares his remarkable journey from clinical practice to creating a thriving platform helping dental professionals achieve financial freedom. Martin's story begins with a familiar feeling many professionals experience—the nagging question of "is this all there is?" Despite enjoying aspects of clinical dentistry after graduating from Leeds in 2016, he found himself drawn to learning about finance and investment strategies. "I thought this is what adults do," he explains, not realizing these self-taught skills would eventually form the foundation of his future business. The turning point came during recovery from knee surgery in 2020, when Martin created a Facebook group to share basic financial knowledge with fellow dentists. What started as simple educational posts about ISAs and pensions organically evolved as members reached out for personalized guidance. This natural demand led to courses, partnerships with financial advisors, and eventually establishing a regulated financial planning firm specifically for dental professionals. Martin's insights into entrepreneurship are refreshingly honest. "A calm sea never made a strong sailor," he shares, emphasizing that resilience and the ability to view setbacks as learning opportunities are crucial for success. His approach to networking—making time for everyone who reaches out and maintaining positive relationships even through difficult interactions—has been instrumental in building his business.——————————————————————— 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.

Here's Why I Left Dentistry At 29 with Dr James Martin

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Get your free verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://www.dentistswhoinvest.com/videos/what-to-do-when-you-sell-your-dental-practice-with-luke-hurley-and-anick-sharma">https://www.dentistswhoinvest.com/videos/what-to-do-when-you-sell-your-dental-practice-with-luke-hurley-and-anick-sharma</a>——————————————————————— Are you a dentist looking to grow your wealth? You can connect with Luke and Anick here: <a href="https://www.viderefinancial.com/investment-options-review">https://www.viderefinancial.com/investment-options-review</a>——————————————————————— The decision to sell your dental practice represents a pivotal moment that can shape the rest of your life—yet many dentists find themselves unprepared when that day arrives. In this comprehensive exploration, financial planning experts Luke Hurley and Anik Sharma reveal the critical strategies that can maximize your practice valuation while ensuring financial security throughout retirement. Far too often, practice owners focus solely on achieving the highest possible sale price without understanding their true "number"—the amount needed to sustain their desired lifestyle indefinitely. Through powerful financial modeling, we demonstrate how calculating your lifetime consumption needs can transform both your negotiation position and post-sale strategy. One revealing example shows how a seller remained deadlocked over a figure far higher than what financial planning revealed they actually needed to live comfortably for life. Beyond the numbers, we explore the emotional dimensions of practice transitions. Your identity may be deeply intertwined with your professional role, making the psychological adjustment as important as the financial one. For those considering earn-out arrangements, we discuss the unique challenges of answering to new owners while watching changes to the business you've built.——————————————————————— 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.

Videre Financial Planning and Wealth Management

What To Do When You Sell Your Dental Practice with Luke Hurley and Anick Sharma [CPD Available]

Are you a dentist looking to grow your wealth? Visit our website to learn more.&nbsp;<a href="https://www.viderefinancial.com/contact">https://www.viderefinancial.com/contact</a>——————————————————————— You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— Dreaming of an early retirement? This episode is your guide. Financial planning expert Anick Sharma joins us to share actionable steps tailored specifically for dentists. He challenges traditional retirement models, urging you to measure wealth not just in pounds but in time, relationships, and meaningful experiences. Through an inspiring client story, Anick illustrates how understanding your financial position and setting clear goals can help you retire sooner than you thought possible—all while aligning your finances with the life you truly want.We explore how to balance your financial “bucket,” ensuring income, assets, and spending work together to create both present happiness and long-term security. Anick draws a brilliant analogy between financial planning and dental treatment planning: a clear diagnosis is key before choosing the right remedy. Whether you’re planning to step back early or just want to secure a stress-free retirement, this episode is packed with insights to help you craft a strategy that fits your life.——————————————————————— 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.

The Academy Want to become a DIY investor too

Discover actionable steps to retire early with financial expert Anick Sharma in this must-listen episode.

What Steps Can I Take To Retire Early? with Anick Sharma | EP339

What Steps Can I Take To Retire Early? with Anick Sharma

The Academy Want to shortcut your investment education by years

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/video/1">https://www.dentistswhoinvest.com/video/1</a>——————————————————————— Have you ever wondered why some professionals seem to effortlessly build wealth while others with identical incomes struggle financially? The answer lies not in how much money you make, but in your fundamental approach to growing and managing wealth. This eye-opening discussion challenges conventional wisdom about career progression and financial planning. We explore the provocative concept of "retiring at 21" – not as a universal goal, but as a framework for understanding how early financial decisions compound dramatically over time. While building wealth rapidly brings advantages, we candidly discuss why acquiring money before gaining life experience can sometimes be problematic. The conversation introduces a powerful metaphor that could transform your financial thinking: the "financial pie." Most people approach their finances assuming they must divide a fixed resource between current lifestyle and future savings. The breakthrough comes when you realize you can dramatically increase the size of your pie through strategic career development, business ownership, and intelligent investing strategies. For healthcare professionals and especially dentists, we outline a specific roadmap to financial independence: first becoming an exceptional, high-grossing associate to generate substantial cash flow, then strategically investing in both skills and assets, and potentially leveraging that foundation to establish associate-led practices. This multi-stage approach creates both immediate income and long-term wealth. Whether you're a student planning your career or an established professional looking to accelerate your wealth-building journey, this conversation provides a refreshingly honest look at what really works. By learning from others' experiences rather than making every financial mistake yourself, you can chart a faster, more direct course to true financial freedom.——————————————————————— 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.

Retired At 21 with Dr James Martin and Naveed Bhatti

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt; <a href="https://www.dentistswhoinvest.com/videos/how-to-efficiently-extract-wealth-from-your-limited-company-with-david-hossein">https://www.dentistswhoinvest.com/videos/how-to-efficiently-extract-wealth-from-your-limited-company-with-david-hossein</a>——————————————————————— Unlocking the financial potential of your dental limited company requires strategic thinking beyond basic salary and dividend planning. In this comprehensive exploration of wealth extraction strategies, specialist dental accountant David Hossein and I delve into the challenge many dentists face: substantial cash reserves effectively "stranded" in their companies due to tax considerations. The podcast begins by examining the fundamental tax benefits of operating through a limited company – the ability to control income extraction and thereby manage personal tax exposure. This advantage, available to dentists since 2006, creates the common situation where cash accumulates within the company structure. Rather than seeing this as a problem, we reframe it as an opportunity for strategic financial planning. For associates, we discuss the critical threshold of £100,000 personal income that preserves your tax-free personal allowance, alongside comprehensive business expense planning. Many dentists miss legitimate claims for items like protective clothing, business travel, mobile phones, and CPD courses (even those in exotic locations, with important caveats!). We examine how family involvement through employment or shareholding can distribute income more efficiently, and explore the tax benefits of company-provided assets like electric vehicles and bicycles. Property investment emerges as a major wealth-building strategy, with corporate structures offering significant advantages over personal ownership – particularly regarding mortgage interest relief. David explains the ideal setup using separate special purpose vehicles, inter-company loans, and even introduces the powerful concept of "growth shares" that can pass future value appreciation to children without inheritance tax implications. For practice owners contemplating sale, we outline the vital tax considerations around Business Asset Disposal Relief (with rates increasing from 14% to 18% in April 2024) and the zero-rate Substantial Shareholding Exemption for reinvestment scenarios. The discussion includes practical advice on holding company structures and timing considerations for maximum tax efficiency.——————————————————————— 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.

David Hossein Want to become as tax efficient as possible navy

How To Efficiently Extract Wealth From Your Limited Company with David Hossein [CPD Available]

David Hossein Want to become as tax efficient as possible?

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt; <a href="https://www.dentistswhoinvest.com/videos/is-100-finance-for-dental-practices-possible-with-kevin-saunders">https://www.dentistswhoinvest.com/videos/is-100-finance-for-dental-practices-possible-with-kevin-saunders</a>——————————————————————— Can you really buy a dental practice with no money upfront? In this insightful episode, Kevin Saunders clears up the myths and misunderstandings surrounding full financing for dental practices.We begin by confirming that yes, one hundred percent finance is possible, but the path looks different for established owners compared to first time buyers. For those who already own a practice, Kevin explains how to unlock equity from your existing business while maintaining the typical eighty percent loan to value ratio that banks require across your portfolio. This approach can open doors to expansion opportunities that many dentists have never considered.First time buyers face a different set of rules. Kevin outlines the lending thresholds currently available, which are around three hundred and fifty thousand pounds for private practices and five hundred thousand pounds for NHS practices when buying solo, with higher limits for partnerships. He explains how banks evaluate risk, what makes an applicant appealing, and why preparing your financial profile well in advance can significantly improve your borrowing power.We also address common myths about interest rates, explain the differences between buying an established practice and starting a squat, and share practical guidance on when full financing is a smart move. Kevin’s core advice is simple: take the maximum amount available, because you are using the bank’s money to invest in a valuable asset.This episode is essential listening for any dentist planning to buy or grow their practice, offering clear guidance to help you make confident and informed financial decisions.——————————————————————— 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.

Kevin Saunders horizontal banner

Is 100% Finance For Dental Practices Possible? with Kevin Saunders [CPD Available]

Kevin Saunders Vertical banner

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/new-nhs-contract-reforms-are-coming-with-mr-johnny-minford">https://www.dentistswhoinvest.com/videos/new-nhs-contract-reforms-are-coming-with-mr-johnny-minford</a>——————————————————————— The landscape of NHS dentistry is shifting once again as the Labour government unveils its vision for contract reform. This thought-provoking conversation with dental accountancy expert Johnny Minford unpacks the substantial changes ahead for dental professionals across the UK. We delve deep into the new hybrid payment model that combines traditional UDAs with a £70 fee-per-item component for specific treatments – a significant departure from the pure UDA system that has dominated since 2006. Johnny offers expert analysis on how these changes might impact practice finances and clinical decision-making, while raising important questions about whether these incremental modifications will deliver the transformational shift that NHS dentistry desperately needs. Perhaps most intriguing is our exploration of the "neighbourhood health service" concept, which could fundamentally alter how basic dental care is delivered. As Johnny explains, this approach might improve patient access but risks redirecting routine treatments away from traditional practices, potentially pushing dentists toward becoming de facto specialists rather than family oral healthcare providers. We consider the wider implications for practice business models and patient relationships if this trend continues. The conversation takes a particularly compelling turn when we examine the government's proposals for increased oversight through structured audits, model associate contracts, and practice handbooks. These developments signal a potential power shift in how dentistry is regulated and practiced, raising legitimate concerns about professional autonomy in an already heavily regulated field. Johnny's insights on the employment status question are especially valuable, as he breaks down the financial mathematics that make employed status potentially damaging for both associates and practice owners.——————————————————————— 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.

New NHS Contract Reforms Are Coming... with Mr Johnny Minford [CPD Available]

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/heres-how-to-design-a-portfolio-that-beats-99-of-other-investors-with-dr-james-martin">https://www.dentistswhoinvest.com/videos/heres-how-to-design-a-portfolio-that-beats-99-of-other-investors-with-dr-james-martin</a>——————————————————————— Tired of investing advice that feels like navigating a labyrinth? This episode strips away the unnecessary complexity and reveals a refreshingly straightforward approach to building wealth.We begin by challenging the conventional wisdom that dictates how most people structure their investments. Instead of starting with a platform and working backward, I outline a powerful framework that places asset selection at the foundation of your investment strategy. This simple reordering asset then fund then account then platform can dramatically accelerate your journey toward financial freedom.The conversation tackles one of the most profound misunderstandings in personal finance the difference between risk and volatility. Most investors and even many advisors conflate these concepts leading to portfolios that feel safe but actually jeopardize long term financial goals. I explain why the supposedly low risk portfolios heavy on bonds and cash might ironically be the riskiest choice for achieving true financial independence.Throughout the episode I unpack how your investment timeframe should drive your asset allocation decisions why passive funds typically outperform their actively managed counterparts and how to navigate the tradeoffs between tax efficiency and accessibility when choosing investment accounts. I also reveal why platforms advertising no fees warrant skepticism and how to identify genuine value in the investment platform landscape.This episode provides both foundational knowledge for beginners and sophisticated insights for experienced investors. The four step framework I outline is not just theory it is a practical approach that could potentially shave five to ten years off your timeline to financial freedom. Whether you are just starting your investment journey or looking to optimize an existing portfolio these principles will help you build wealth with greater confidence and clarity.Take a moment today to examine your current investment strategy. Does it follow this logical sequence or could a simple reorganization dramatically improve your outcomes?——————————————————————— 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.

Here's How To Design A Portfolio That Beats 99% Of Other Investors with Dr James Martin [CPD Available]

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/how-can-i-reduce-my-indemnity-fee-with-adam-okeeffe">https://www.dentistswhoinvest.com/videos/how-can-i-reduce-my-indemnity-fee-with-adam-okeeffe</a>——————————————————————— Dental indemnity insurance is one of the most important ongoing costs for dentists in the UK. With renewal season approaching in August and September, now is the time to make sure you have the right cover at the best possible price.In this insightful episode, Adam O’Keefe from Allmed Pro Insurance Specialists joins us to help dentists understand the key differences between types of cover. He explains why the distinction between discretionary and contractual indemnity can have serious financial consequences if a claim is ever made against you. Adam uses a memorable example that will make you think differently about how your policy works.We explore why newly qualified dentists often face higher premiums, how recent claims trends are shaping the industry, and what sort of cover you may need after retirement. The episode also highlights valuable extras offered by quality providers, including round-the-clock legal advice, access to GPs, and professional reputation support during difficult times.Whether you are just starting your dental career or reviewing your existing policy, this episode offers practical guidance to help you protect yourself and your practice more effectively. Listen now and complete the short questionnaire in the description to claim free verifiable CPD that counts towards your learning goals while potentially saving you thousands on your renewal.——————————————————————— 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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