Most Dentists have saved long and hard for their retirement, yet they are often unsure how long their money will last.
Your Financial Blueprint™ lets you see your financial future unfold right before your eyes, visualise your options and try out different scenarios.
Let’s see if we can make your dream retirement a reality.
Many practitioners report feeling anxious
about how much they need to save or sell their
practice for to live the retirement they dream of.
By finding out ‘Your Number’ you can be confident how much you need to be secure for the rest of your life.
Your Minimum Risk Framework™
Many people are tired of being 'sold'
complicated, expensive, risky investments.
We see things slightly differently. We design
your portfolio to be simple, cost effective and to
take just enough risk to achieve your goals.
Your Expenditure Wishlist™
In the hustle and bustle of practice life, many
Dentists struggle to set time aside to really think
about their life in retirement.
Your Expenditure Wishlist™ is a carefully
designed exercise to help you gain clarity on
Your Bucket List
We all have things that we would like to make the time to do, to experience, to see, however many of these dreams often go unfulfilled.
By having a carefully considered ‘bucket list’ we can make sure you have the time and the money to do, experience and see as much as possible.
Your Life Design™
Once the practice is sold, the keys are handed over and ‘retirement’ truly begins, many dentists are left wondering “now what?”.
Your Life Design™ allows us to explore your perfect day, your perfect week and your perfect year so that you can live a retirement full of meaning and purpose.
Your Life Timeline™
Most Dentists have dreams and plans for the future, however while running a business, dealing with patients and keeping up with regulation, there is often little time left to make these plans a reality.
Let’s take the time to discuss your future in detail and map out how and when you canrealise your ambitions.
We will ask some thought provoking questions to get you to think about what’s really important to you.
For many practitioners the NHS pension will be
the foundation of their retirement, but yet can
cause so much confusion and anxiety.
We can help you make sense of all the options
and minimise any tax implications.
Income Security Strategy™
Most dentists have several sources of income -
pensions, investments and perhaps the practice
building, but how will it all fit together?
We can help you understand how you can make
best use of these income streams to give you
the retirement you dreamed of
Dentists are often concerned about the
significant tax liabilities that can be created on
their pensions or when they sell their practice.
Why should you have to pay even more tax?
We can help you legitimately reduce your
potential annual and lifetime allowance, income
tax and capital gains tax liabilities, saving you
time and hassle in the process.
When asked “would you like the government
to decide who gets your money when you die”
most people will say “no”, yet only around 30%
of people have a valid and up to date will.
A professionally drafted will can ensure your
estate passes on in line with your wishes,
provide support for your loved ones and reduce
the stress and administration involved in tying
up your estate.
The Estate Protection Plan™
Having worked hard to build up their assets,
many people are worried about passing these
onto their children, only to find part of the
inheritance lost through a divorce or family breakup.
The Estate Protection Plan™ can be used
to minimise tax, direct assets only to those
intended and pass assets down to many future
generations of your family.
Inheritance Tax Planning
Most dentists have invested blood, sweat and
tears in building their practice over the years and
the last thing they want is their hard work being
swallowed up by a large inheritance tax bill.
We can help to protect and preserve your estate
to ensure that those closest to you receive as
much of your legacy as possible.
Over their careers dentists often acquire numerous pensions and investments making it difficult to get any real clarity.
We can help you re-locate your various holdings into one simple, low cost framework that you can access online, allowing
you to see things more clearly.
The Advised Portfolio™
Many Dentists tell us tales of being ‘abandoned’ by previous investment advisers, with no ongoing support being provided
and their portfolio being left to drift out of balance.
Once we have fully understood your aims and objectives we will recommend an investment portfolio to help you get there.
But for us that’s just the beginning… we’ll stick with you every step of the way, keeping a close eye on your portfolio and
recommending changes where appropriate.
All practices in the UK will be required to have a
workplace pension in place by the end of 2018,
however, for many dentists this will represent
a further compliance burden that will distract
them from patient care.
When it comes to helping your practice comply
with the new pensions regulations, we take care
of all the hard work, leaving you free to focus on
your business and your patients.
Dental Business Coaching
Most dentists we speak to struggle with some
element of ‘the business of dentistry’ whether
that is marketing, HR or recruitment.
We are privileged to know some of the best
business coaches who can help you to transform
Practice Sale Preparation
One of the biggest concerns we hear from
dentists is the fact that they are unsure how to
prepare their business for sale.
We can help you put a solid exit strategy in
place and extract the maximum value from your
It is important to ensure that you obtain a fair
valuation for the business you have spent so
We work with independent practice valuation
specialists who work for you as the seller to
secure the best possible price.
In one of the most litigious professions in the UK, it makes sense to be well protected from a legal standpoint.
We work with specialist solicitors who are experts in the dental field. Our legal contacts can help you with employment law, partnership and associate agreements and disputes, as well as helping to protect your interest when you come to sell your practice.
Dentists are often concerned that they are paying too much tax or that their business finances could be improved.
Our network of specialist dental accountants are some of the most experienced in the UK. They can provide advice on key decisions such as business structure and incorporation, help you to maximise your income and minimise tax on your practice sale.