Financial advice that’s the right fit for dentists.
Financial planning for Dentists comes with many complexities and considerations. Whether you are NHS and / or private, our aim is simple: to ensure you have the best advice, to help make the best decisions.
- Planning to effectively maximise your future earnings and rewards – whether you are
on the UDA contract, a fee-per-item basis or a patient plan. - Our specialist advice is tailored to help you make the most of your income and assets.
- Advising on the expansion, refurbishment or sale of your practice – connecting you
with expert accountants, valuers, lenders, and solicitors.
How we help Dentists
Navigating the complexities of financial planning can be particularly challenging for medical professionals, who must balance demanding careers with the need to secure their financial future. From maximising NHS pension benefits and retirement planning to tax-efficient profit extraction and strategic investing, we provide tailored financial advice designed to meet the unique needs of those in the medical sector.
- Maximising NHS Pension Benefits
A good review of your NHS Pension benefits is essential – including the following:
• Navigating pay increments
• Pay awards (CEA or National)
• Salary sacrifice & bank
• Identifying NHS Pension errors
• Minimising tax payments on your Annual Allowance - Retirement Planning
By calculating the amount of annual income you will need to sustain your lifestyle into retirement, we will help you build a fund to match your aspirations. - Investing
Whether you are looking to grow your investments, or secure a regular income from them –we’ll work together to shape a personalised investment strategy around your needs and lifestyle. Please note however that as the value of investments can rise and fall, positive returns are more likely if you invest for the long term, but this is not guaranteed and you could get back less than you invest. - Protection
We’ll help you choose the life insurance, critical illness, or income protection solutions that offer the best protection for you and your family. - Inheritance Tax & Estate Planning
You are no doubt searching for the most effective ways to look after your loved ones. Our experts can help make sure your assets benefit your loved ones, rather than HMRC, although the outcome will depend on your circumstances and the tax rules in place at the time and can change over time, as the value of any tax benefits or reliefs vary from person to person and cannot be guaranteed. - Long Term Care Planning
Paying for care can be a huge financial burden that may last for several years. We’ll help you understand the options and guide you through the process of putting suitable measures in place. - Tax Efficient Profit Extraction
You should be extracting profits from your limited company in the most tax efficient way. With our advice you can get on top of this, although the benefits achieved will depend on your circumstances and current tax legislation, as tax treatment depends on individual circumstances and may change over time. The value of any tax benefits or reliefs will therefore vary from person to person and cannot be guaranteed. - Cash Management
We help you manage the day-to-day finances of your practice or limited company. - Referral to Specialists
In partnership with carefully-selected experts, we help ensure all of your financial, tax and legal affairs are in order.
Long Term Care Planning may involve a referral to Karehero, a comparison and care matching provider, whose services are separate and distinct to those offered by St. James’s Place.