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———————————————————————We've brought in crypto-specialist accountant Emily from Alexander & 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.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———————————————————————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.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 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.Send us a text

Naveed Bhatti, a dental professional passionate about financial strategies, joins Dr. James Martin for a captivating discussion on wealth and career. They challenge the idea of 'retiring at 21,' emphasizing the importance of life experience with wealth. The duo explores how the way you earn matters just as much as your income, discusses the ‘financial pie’ metaphor, and offers a roadmap specifically for dentists aiming for financial independence. Their insights on compounding and investment strategies highlight the need for sound financial education.

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———————————————————————Ever wondered how some dentists manage multiple thriving practices while others struggle with just one? The secret lies in systems, delegation, and understanding your unique value proposition.Dr. Chetan Matthias joins us to reveal how he built four successful dental practices (three associate-led) performing 700+ implant surgeries and 460+ clear aligner cases annually. At the heart of his approach is a carefully designed patient journey that maximizes efficiency while delivering exceptional patient care.The conversation begins with marketing fundamentals—why establishing a clear USP (Unique Selling Proposition) is essential in today's competitive landscape. Dr. Matthias shares how one patient video testimonial from 2022 continues generating leads years later, demonstrating the power of authentic patient stories as marketing assets.What truly sets his practice apart is the systematic patient journey he's created. From a dedicated Patient Growth Coordinator who responds to leads within 30 minutes to Treatment Coordinators who conduct initial consultations, each step is designed to deliver consistent experiences while limiting the dentist's involvement to only essential clinical tasks. By the time patients meet Dr. Matthias, they've already been pre-qualified, requiring just 5-10 minutes of his time.We explore the science of team building—how personality assessments ensure team members' natural strengths align with their responsibilities, creating a high-functioning environment. Dr. Matthias shares insights on establishing KPIs, maintaining accountability, and conducting exit interviews to continuously improve practice operations.Looking toward the future, we discuss embracing technology and AI to improve efficiency while reducing staffing dependencies. For dentists feeling overwhelmed, Dr. Matthias offers practical advice: start with just one system and build from there.Whether you're an associate or practice owner, this episode provides actionable strategies to increase profitability, improve patient experience, and create a dental business that runs smoothly even when you're not present.———————————————————————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———————————————————————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.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———————————————————————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.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 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.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 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.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———————————————————————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.Send us a text