Dentists Who Invest Podcast

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Patients can only choose you if they can find you. We unpack a clear, dentist‑friendly roadmap to winning local search, focusing on what actually leads to enquiries: fast sites, map visibility, reviews that earn trust, and content written in the language patients use.We start by stress‑testing whether SEO is even the right move for your practice. Location matters more than most realise, and Google’s red city boundary in Maps can define your odds of ranking. We compare low‑competition areas, where you might already rank without ongoing SEO, against crowded city centres where a strategic plan and patience are essential. From there, we reinforce the foundations: a fast, mobile‑first website with dedicated treatment pages, frictionless booking, and copy that answers costs, pain, and timing. If the basics are shaky, every other tactic leaks value.Then we break SEO into four practical pillars. Technical SEO sets speed and structure. On‑page SEO matches real local queries like emergency dentist Nottingham and clear aligners to tightly written pages. Off‑page SEO builds authority with relevant backlinks, consistent citations, and supportive channels like YouTube that link back and lift credibility. Local SEO ties it together: an optimised Google Business Profile with accurate data, posts, photos, and a steady cadence of reviews with thoughtful replies that include natural keywords. We also tackle myths around AI. People still find local clinicians via Google and Maps, and strong organic signals feed AI results rather than fight them.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Tax deadlines have a habit of landing right when cash flow is tight and growth plans are in motion. We dive into the practical world of tax loans for dentists and explain how to use them as a strategic tool rather than a last resort. From real numbers to real outcomes, we explore where a short, targeted loan can protect investments, smooth working capital, and keep expansion on track without sending the wrong signals to lenders.We start by clarifying what a tax loan is, who offers them, and why terms cluster around six to twelve months with higher rates than standard borrowing. Then we look at the trade-offs: should you break an ISA or index fund, or keep compounding and bridge the bill? You’ll hear a case study where avoiding exit charges and market timing risk made the loan cheaper overall. We also share a lesser-known alternative—refinancing equipment or refurbishment spend already paid from cash—so you can replenish funds for tax, secure a lower rate, and spread cost over three to five years.The conversation tackles HMRC Time to Pay, too. While the headline rate can look attractive, an active HMRC plan may act as a red flag to banks because HMRC ranks ahead of lenders, potentially restricting access to future finance for new surgeries or kit. We discuss how lenders view these arrangements, the impact on future borrowing, and how to weigh short-term interest against long-term flexibility. Finally, we outline how to apply for a tax loan, the documents you need, and the typical turnaround time so you can act before January bites.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Thinking about leaving the UK for a better tax deal or a simpler life? We unpack the real calculations behind that decision—from inheritance tax worries and wage inflation to VAT shocks and the tightening margins that push many principals to the brink. Dan Klein, owner of Hive Accountancy in Cornwall, joins us to share what he’s seeing across hundreds of dental clients: frustration is real, but so are the misconceptions about relocation and tax.We dive into why the “move and save” story is often oversold. There’s no overnight fix; meaningful tax advantages tend to require multi‑year planning, residency commitment, and a clear picture of where you’ll live, when you’ll sell, and how you’ll invest. We explore why some dentists commute from Dubai, where that model makes sense, and where it falls apart. If you’re eyeing a big exit, timing and structure matter more than hearsay—and the best results come when your personal life actually fits the place you plan to call home.Not everyone needs to move. We talk candidly about dentistry’s “middle age,” where easy growth has faded and operating discipline wins. For some, the smarter play is to stay, run a tight practice, or even step back to a high‑performing associate role while maximising pensions, ISAs, and diversified investing. We compare active vs passive approaches, how to avoid silver‑bullet thinking, and the mindset required to hold through market dips without panicking. Whether you stay or go, the path to a calmer, wealthier future comes from clarity, patience, and a plan you’ll actually follow.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Planning a dental practice just got more complex—and more important. We break down how the budget’s short‑term optimism and medium‑term caution collide with real decisions on kit, teams, pensions, and profit extraction. From capital allowances and EV incentives to dividend tax and threshold freezes, we translate policy shifts into practical steps for owners and associates who want to protect margins and invest with confidence.We start with the economic backdrop: markets liked the upgraded growth for the coming year, but projections ease off later, and much of the Chancellor’s headroom leans on fiscal drag through 2030. That context matters when deciding whether to expense equipment now, accept slower writing down relief, or rethink lease strategies. EVs still benefit from 100 percent allowances until 2027, yet a new per‑mile charge is on the horizon, so the timing of vehicle decisions could materially change the outcome.On people and pay, the minimum wage rise for younger workers will ripple up pay bands, while tightening around pension salary sacrifice adds NI costs for both sides, blunting a once‑efficient retention tool. For clinicians using companies, the dividend tax rise narrows the gap with sole trading, pushing many to leave profits in the business and deploy them via corporate investment structures. With an extra 2 percent coming to personal rental and savings income from 2027, moving or holding assets within companies can preserve flexibility, though capital gains and transaction costs must be modelled.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Mortgages just got more complicated for dentists, but not unworkable. We dig into what the latest budget actually changes for buy-to-let in personal names, how frozen tax bands quietly pull more rent into higher rates, and why the updated interest tax credits at 22, 42, and 47 percent matter for your cash flow. You’ll hear a clear-eyed view on the policy direction that nudges small landlords out while corporate landlords scale up—and the practical impact that shift has on rents, tenant stability, and long-term yields.We also unpack where rates are heading right now. With bond markets warming to the budget, fixed-rate funding costs have eased, and lenders are sharpening two- and five-year fixes. That’s positive, but the last two years taught us how quickly markets can turn. Our strategy is simple and dentist-friendly: if your fix ends within six months, secure a product now to cap your risk, then switch to any lower rate if pricing improves before completion. It’s an option, not a commitment, and it turns uncertainty into leverage.For higher-value homes, we outline the proposed mansion tax bands, valuation timing, and what to watch ahead of 2028. If you’re buying near the thresholds—especially in the South East—build the annual levy into your ownership maths today. Whether you’re remortgaging, purchasing a home, or weighing a buy-to-let, we cover documents to prepare, how to choose between two- and five-year fixes, and the red flags that make a rental deal too thin after tax.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Want your next surgery upgrade to pay you back? We dive deep into capital allowances for dental practices and show how renovations, fit-outs, and even property purchases can turn into serious tax savings without schemes or risk. With specialist insight from property tax expert Chris Lonergan, we break down the simple idea that changes everything: move as much spend as possible into fast plant and machinery allowances, and keep the slow structures and buildings bucket to a minimum.We walk through clear, real-world examples: from a £500k Victorian conversion that produced roughly £490k in allowances, to scenarios where higher-rate income taxpayers receive chunky cheques by carrying claims back. You’ll learn what really qualifies in a clinic setting, including electrical systems, plumbing, ventilation, data, alarms, fitted kitchens, reception, and partitions. We also explain why loose clinical kit is just the start, and how the unseen assets inside your walls often hold the biggest value when properly surveyed and categorised.Buying a building? The seller’s status matters. Conversions from residential, purchases from non-taxpaying entities like the NHS or charities, and acquisitions from developers can preserve large pools of embedded allowances for you. Leaseholders who fund their own fit-outs can also claim, as allowances follow the spender. We cover the pitfalls too: why most accountants can’t value second-hand buildings or parse interim certificates, how to approach grants, and when a specialist report unlocks PMA you didn’t know you had.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Tired of the 31 January scramble and the sting that follows? We take the stress apart and rebuild it into a calm, structured plan for dentists who want to pay less tax and gain more freedom. With expert planner Anick Sharma, we dive into the practical moves that matter: company-paid pension contributions that cut corporation tax, how to avoid the 60% effective rate trap as a sole trader, and the right way to coordinate your accountant and planner so nothing slips through the cracks.We get honest about the NHS pension and why the annual allowance can ambush even savvy clinicians. You’ll hear how carry forward works in practice, when to proceed with caution, and why timing and accurate inputs make the difference between relief and an unexpected charge. Then we widen the lens beyond pensions: claiming allowable expenses and capital allowances, placing insurance in the most tax-efficient way, and choosing a salary-dividend split that actually matches your goals rather than last year’s guess.Money sitting idle is another hidden cost. We break down a simple, proven approach to cash versus investing: match money to purpose across short, medium, and long horizons so liquidity is there when needed and growth is there when wanted. Real-world stories show how defining your destination first can unlock capital that’s been parked for “safety,” turning it into a portfolio that powers your plan. The takeaway is clear and actionable: know your point B, then pull the right levers—pensions, allowances, and disciplined extraction—to reach it faster with fewer January shocks.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————The rules are changing for self‑employed dentists. From April 2026, Making Tax Digital extends beyond VAT into Income Tax Self Assessment, pulling most associates and many sole‑trader practice owners into quarterly digital reporting. We brought specialist dental accountant David Hossein to cut through the noise: who is affected, what to file, the exact first deadlines, and how to set up the right software without creating a new full‑time job for yourself.We start with the basics that trip people up. The threshold is based on income, not profit, and rental income in your own name can push you over the line. Dividends do not count. You will submit digital updates every quarter using MTD‑compatible software, then a final statement to tie everything together. Payments of tax do not change at first, but planning for eventual quarterly payments is wise. David lays out the first reporting period (6 April to 5 July 2026) and the submission date (7 August 2026) so you can work backwards and avoid penalties.Then we get practical. We compare FreeAgent, Xero, and QuickBooks, and explain why many dentists will be fine on FreeAgent, especially when it is free via certain bank accounts. Clean bank feeds, correct import dates, and reconciling to statements are non‑negotiable. We show how to use built‑in tax forecasting to ring‑fence cash, reduce January shocks, and time pensions or equipment purchases with confidence. We also explore the structural choices: companies and partnerships sit outside this phase of MTD for now, but incorporation only makes sense when it aligns with tax, pension, and cashflow goals. For some on the cusp, MTD may be the nudge to reassess.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Valuations are shifting fast, and so are the rules that shape them. We sat down with dental practice sales expert Luke Moore to map the real market moves behind the headlines: why groups are winning a bigger share of deals, how cheaper debt is fuelling micro-consolidation, and where independent buyers are still paying up for the right assets. If you’re weighing a purchase, planning to sell, or just want to understand what your practice is worth in today’s climate, this conversation lays out the numbers and the nuance.We dig into the latest data points on deal sizes and EBITDA multiples, separating independent buys from group-led transactions and explaining why some NHS-heavy portfolios are dragging averages down while high-quality private and mixed practices still push toward the high-7x range. Geography and recruitment take centre stage: NHS valuations diverge sharply by region, with London and the South East often outperforming due to easier clinician hiring. We also unpack the thaw in Wales, where signals of a return to an item-of-service style approach and an uplifted hourly rate are drawing buyers back—alongside a sober look at how associate pay expectations could compress EBITDA.Policy is the wildcard. A widely flagged income tax rise could make holding less attractive than selling for many principals, especially as frozen tax bands and the 100k trap quietly raise effective rates. We walk through BADR’s step up toward 18% by 2026 and what that means in pure cash terms, plus the practical timing options many owners are modelling to protect their net proceeds. On costs, a likely National Living Wage increase around 4% will ripple through pay differentials, nudging ancillary costs higher and forcing tighter discipline on margins.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Cash flow feeling tight while your practice ambitions keep growing? We dive into the real mechanics of refinancing for dentists and show how the right structure can lower monthly payments, unlock equity, and create the headroom to expand with confidence. Rather than chasing a headline rate, we focus on the three levers that truly move the needle: loan amount, interest rate, and term—and how blended and partially amortising loans can beat a small rate cut when it comes to monthly affordability.Kevin breaks down why refinancing is broader than most owners realise, from releasing capital to buy equipment or a second site, to restructuring short-term debts that strain cash flow. We explore blended loans that combine property and goodwill into one manageable term, interest-only elements that help a deal service when goodwill valuations are high, and unsecured options up to mid-six figures that avoid valuation and legal fees. For startups that have grown fast, we explain how stronger accounts after 18–24 months can open the door to cheaper, longer-term facilities that consolidate asset finance and free cash to complete surgeries.You’ll hear practical, anonymised case studies: clients cutting thousands per month by shifting to partially amortising structures without borrowing more, buyers who held repayments steady while fitting out additional surgeries, and a bridge-to-refi path that secured a property before planning, later simplified through an unsecured refinance. We also discuss evolving bank policies—longer goodwill terms, flexibility around leases, and rising loan-to-values—and why matching products to your practice plan matters more than picking a single “best” lender.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text