Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/how-much-do-dentists-earn-new-nasdal-figures-with-johnny-minford">https://www.dentistswhoinvest.com/videos/how-much-do-dentists-earn-new-nasdal-figures-with-johnny-minford</a>——————————————————————— 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.——————————————————————— 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.

Johnny Minford Want to Reduce Your Tax Bill

How Much Do Dentists Earn (New NASDAL Figures Analysed) with Johnny Minford [CPD Available]

Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/effective-inheritance-tax-planning-with-luke-hurley-and-anick-sharma">https://www.dentistswhoinvest.com/videos/effective-inheritance-tax-planning-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/contact">https://www.viderefinancial.com/contact</a>——————————————————————— 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!——————————————————————— 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.

Luke Hurley Investing Strategy

Effective Inheritance Tax Planning with Luke Hurley and Anick Sharma [CPD Available]

Luke Hurley Vertical Investing Strategy 

Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/heres-what-the-uk-government-are-doing-to-the-finances-of-dentists-with-eddie-crouch">https://www.dentistswhoinvest.com/videos/heres-what-the-uk-government-are-doing-to-the-finances-of-dentists-with-eddie-crouch</a>——————————————————————— 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!——————————————————————— 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.

DWI Store

Here's What The UK Government Are Doing To The Finances Of Dentists with Dr Eddie Crouch [CPD Available]

Get your free verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://www.dentistswhoinvest.com/videos/what-the-spring-budget-means-for-dentists-with-david-hossein">https://www.dentistswhoinvest.com/videos/what-the-spring-budget-means-for-dentists-with-david-hossein</a>——————————————————————— 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.——————————————————————— 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.

Discover how the Spring Budget impacts UK dentists with expert insights from David Hossein. Stay ahead on tax changes, savings, and financial planning.

What the Spring Budget Means for Dentists in 2024 | EP361

What The Spring Budget Means For Dentists with David Hossein [CPD Available]

Do your mortgage repayments feel high? Connect with Sarah here: <a href="https://www.dentistswhoinvest.com/sarah-grace-mortgages">https://www.dentistswhoinvest.com/sarah-grace-mortgages</a> ——————————————————————— Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/mortgage-bulletin-for-dentists-with-sarah-grace">https://www.dentistswhoinvest.com/videos/mortgage-bulletin-for-dentists-with-sarah-grace</a>——————————————————————— 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!——————————————————————— 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.

Sarah Grace do your mortgage repayments feel high?

Expert mortgage broker Sarah Grace shares the latest mortgage insights for dentists — what’s changing and how it affects you. CPD available.

Mortgage Update for Dentists | EP360

Mortgage Bulletin For Dentists with Sarah Grace [CPD Available]

Sarah Grace Do your mortage repayments feel high?

If you’d like to discuss your finances with a professional, you can connect with Luke here: <a href="https://www.viderefinancial.com/contact">https://www.viderefinancial.com/contact</a>——————————————————————— Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/the-most-important-part-of-your-investing-strategy-with-luke-hurley">https://www.dentistswhoinvest.com/videos/the-most-important-part-of-your-investing-strategy-with-luke-hurley</a>——————————————————————— Most investors focus on stock picks and portfolio diversity—but they’re overlooking the crucial first step. Financial advisor Luke Hurley explains why defining your vision should come before any investment decisions.Luke shares three powerful principles that shape effective financial planning: time as your most valuable resource, happiness as the ultimate goal, and money as a tool to enable your best life. He also explores how to discover your financial “why,” set meaningful milestones, and calculate your personal “number” for financial independence—the point where work becomes a choice, not a necessity.With 77% of UK adults unsure how much they need for retirement and only 20% confident they’re saving enough, this conversation is a must-listen for dentists and high-earning professionals. You may already have enough to retire but haven’t defined what “enough” means. Luke also examines the limitations of traditional retirement strategies, including the 4% rule, and why preserving pension assets for inheritance might be a smarter long-term approach.Ready to rethink your approach to money? Tune in 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.

Expert IFA Mr. Luke Hurley ucovers the key to a successful investing strategy that every dentist should know. Don’t miss this. CPD available.

The Key to a Strong Investment Strategy | EP359

The Most Important Part Of Your Investing Strategy with Luke Hurley [CPD Available]

Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/why-labour-could-be-targeting-dentists-with-mike-bryan">https://www.dentistswhoinvest.com/videos/why-labour-could-be-targeting-dentists-with-mike-bryan</a>——————————————————————— Could your dental practice be in HMRC’s sights? With 5,000 new inspectors targeting small businesses, dentists are a prime focus as Labour looks to close the £40 billion tax gap.In this episode, Mike Bryan explains how upcoming tax changes — like Making Tax Digital — could increase your admin load and what steps you can take to stay compliant while minimising your tax bill.Don’t get caught out — tune in now and claim your free CPD.——————————————————————— 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.

Could Labour’s policies impact dentists financially? Mike Bryan breaks it down and shares key insights. CPD is available.

Why Labour Might Target Dentists | EP358

Why Labour Could Be Targeting Dentists with Mike Bryan [CPD Available]

Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/how-to-invest-via-ltd-company-with-luke-hurley-and-anick-sharma">https://www.dentistswhoinvest.com/videos/how-to-invest-via-ltd-company-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/contact">https://www.viderefinancial.com/contact</a>——————————————————————— 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.

Learn how to invest through your LTD company with Luke Hurley & Anick Sharma. Learn tax-efficient strategies to grow your wealth. CPD available.

Investing via Your Ltd Company Explained | EP357

How To Invest Via Your Ltd Company with Luke Hurley and Anick Sharma [CPD Available]

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>——————————————————————— 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.

Dr. Hema Dhingra shares an alternative route to early retirement, exploring strategies dentists can use to achieve financial freedom sooner.

A Different Route to Early Retirement | EP356

An Alternate Path To Early Retirement with Dr Hema Dhingra

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>——————————————————————— 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.

James & Katy Nolan share why they started a squat practice at 25, the challenges they faced, and what dentists can learn from their journey. 

Starting a Squat Practice at 25 | EP355

Why We Started A Squat Practice At 25 Years Of Age with Dr James and Dr Katy Nolan

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>——————————————————————— Gold has fascinated investors for centuries, but is it still a smart move today? In this episode, we break down the ins and outs of gold investment and why it holds value, how it compares to paper assets, and how you can add it to your portfolio. We explore four key ways to invest: owning physical gold, buying gold mining stocks, investing in gold ETFs, and even spread betting. Each comes with its own risks and rewards, and we’re here to help you navigate them. If you’re looking for a hedge against economic uncertainty, gold might just be your answer. Tune in to find out how to make it work 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.

Thinking about investing in gold? Dr. James Martin breaks down the key strategies, risks, and benefits for dentists looking to diversify.

How Can I Invest In Gold? | EP354

How Can I Invest In Gold? with Dr James Martin

If you’d like to discuss your finances with a professional, you can connect with Anick here: <a href="https://www.viderefinancial.com/contact">https://www.viderefinancial.com/contact</a>——————————————————————— Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/isas-vs-pensions-heres-what-dentists-need-to-know-with-anick-sharma">https://www.dentistswhoinvest.com/videos/isas-vs-pensions-heres-what-dentists-need-to-know-with-anick-sharma</a>——————————————————————— 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.

Anick Sharma Want to know if you are already retired

ISAs or pension - which is better for dentists? Anick Sharma breaks down the key differences to help you make smarter financial decisions.

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