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

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>——————————————————————— Looking at your dental practice through the lens of a business owner transforms everything. Whether you're an associate or a principal, adopting this mindset means systematising processes, tracking meaningful metrics, and making decisions based on data rather than habit. Rida ALwan joins us to share game-changing strategies that immediately boost profitability without sacrificing clinical quality. We break down the only three ways any business can increase profits: reducing costs, serving more customers, or increasing the value per customer interaction. With these fundamental principles as our guide, we explore practical applications specifically for dental professionals. For associates, we reveal how tailoring appointment lengths precisely saves thousands in lost time annually, why creating note templates drastically improves efficiency, and how directly negotiating with labs (yes, even as an associate!) can secure preferential rates. The most transformative insight? Tracking your own KPIs gives you control over your professional destiny, allowing strategic decisions about continuing education investments based on real data. Practice principals will discover how some dentists save up to £40,000 annually through utility contract renegotiation alone. We share a step-by-step approach to supplier negotiations that consistently yields 30-50% discounts, cutting-edge practice systems that eliminate reception costs entirely, and why scheduling regular time away from clinical duties specifically to work on business strategy delivers returns far exceeding patient treatment time. The most successful dentists aren't necessarily the most clinically skilled—they're those who combine clinical excellence with business acumen. Listen now to compress years of expensive trial-and-error into actionable strategies you can implement immediately.——————————————————————— 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

What We Don't Get Taught About Business with Rida Alwan

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>——————————————————————— Could your dental practice loan repayments be eating into your growth potential? Finance specialist Dan Fearon explains how blended loans and strategic refinancing could drastically improve your monthly cash flow. Discover how one practice reduced repayments from £20,000 to £7,000 without increasing revenue. We cover the pros and cons of extended terms, new lending options in 2025, and how debt restructuring could give your business room to breathe and grow. Plus, UK dentists can now earn free verifiable CPD—listen in, complete a quick form via the episode link, and get your certificate straight to your inbox.cial insights that can transform your dental 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.

DWI Store

Here's A Useful Method To Reduce Your Practice Finance Repayments with Dan Fearon

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/how-the-nhs-pension-actually-works-with-luke-hurley">https://www.dentistswhoinvest.com/videos/how-the-nhs-pension-actually-works-with-luke-hurley</a>———————————————————————The NHS pension is often misunderstood—but getting it right is crucial to your long-term financial wellbeing. In this episode, financial planner Luke Hurley demystifies the system and reveals how it fits into your wider retirement strategy. Learn the real structure of the NHS pension scheme (hint: it’s not a savings pot!), how your benefits are calculated, and what’s changed in 2025. Luke walks through the key differences between the 1995, 2008, and 2015 schemes, explains the revaluation process, and shares vital insight on retirement age reforms, spouse benefits, and how this scheme supports your journey to financial independence. Perfect for dentists in the NHS at any career stage—and don’t forget, verifiable CPD is up for grabs via the link 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. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Luke Hurley Investing Strategy

How The NHS Pension Actually Works (2025 Update) with Luke Hurley [CPD Available]

Luke Hurley Vertical Investing Strategy 

Need to review your Income Protection? Connect with Warren here: <a href="https://www.dentistswhoinvest.com/income-protection">https://www.dentistswhoinvest.com/income-protection</a> ——————————————————————— Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/what-cover-do-i-need-to-protect-me-and-when-with-warren-robins">https://www.dentistswhoinvest.com/videos/what-cover-do-i-need-to-protect-me-and-when-with-warren-robins</a>——————————————————————— Your dental career is a major investment—are you fully protecting it? In this episode, insurance specialist Warren Robins explains the essential income protection, life insurance, and business cover dentists need at every stage of their journey. Learn why securing income protection insurance early can lock in lower premiums, why standard mortgage cover often isn’t enough for high earners, and how Family Income Benefit can offer smarter protection for your loved ones. For practice owners, Warren shares crucial insights into executive income protection, key person cover, and why private medical insurance is vital in today’s overstretched NHS system. We also dive into inheritance tax planning strategies for dentists nearing retirement, ensuring your legacy is as secure as your practice. Listen now and claim your free CPD certificate by completing the quick questionnaire.——————————————————————— 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

Warren Robins Need to Review Your Income Protection

What Cover Do I Need To Protect Me And WHEN with Warren Robins [CPD Available]

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/whats-changed-with-isaspensionsgias-this-tax-year-with-anick-sharma">https://www.dentistswhoinvest.com/videos/whats-changed-with-isaspensionsgias-this-tax-year-with-anick-sharma</a>——————————————————————— 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.——————————————————————— 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.

Anick Sharma Want to know if you are already retired

What's Changed With ISAs/Pensions/GIAs This Tax Year with Anick Sharma [CPD Available]

Anick Sharma Want to know if you are already retired?

Get your free verifiable CPD for this episode here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/ltd-co-vs-sole-trader-what-you-need-to-know-for-this-tax-year-with-amman-sarkaria">https://www.dentistswhoinvest.com/videos/ltd-co-vs-sole-trader-what-you-need-to-know-for-this-tax-year-with-amman-sarkaria</a>——————————————————————— 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.——————————————————————— 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.

Ltd Co Vs Sole Trader: What You Need To Know For This Tax Year with Amman Sarkaria [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 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.——————————————————————— 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.

How To Retire Early with Dr James Martin

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>——————————————————————— 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.——————————————————————— 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.

How To Do Less Dentistry (Part 1) with Dr James Martin

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.

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

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.

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