UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— You can spend weeks choosing the “perfect” scanner, chair, or imaging kit, then accidentally overpay for it in the finance paperwork. We wanted to fix that gap. We’re joined by asset finance broker Gavin Kirkwood to break down equipment finance for dentists in plain English, from the first questions a lender asks to the decisions that quietly shape the total cost of borrowing. We talk through what funders typically request (think recent business bank statements and filed accounts), why your business structure and trading history can open up better lenders, and how quickly a quote and approval can happen when the information is clean. We also get into the reality of broker versus direct deals: what a broker’s panel of funders actually changes, why disclosure matters, and how comparing the market helps you judge whether a “good” rate is genuinely good. Then we zoom in on deal design. We cover typical fixed rate terms (often 24 to 60 months), how to think about cash flow versus paying down quickly, and why the asset itself affects pricing. If you’ve ever wondered why software can price differently to a recoverable piece of equipment, we explain the idea of hard, medium, and soft assets. We also touch on deposits, including when VAT upfront is common on hire purchase, and when a lease might allow lower or even zero deposit depending on profile.——————————————————————— 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

Equipment Finance: How Not To Overpay with Gavin Kirkwood [CPD Available]

UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— Your bookkeeping is no longer a dusty spreadsheet you revisit at year end. With Making Tax Digital and tighter margins, the numbers behind your dentistry decide how calm you feel about tax, how confident a lender feels about backing you, and how attractive your practice looks to a future buyer. We sit down with Darren Nicholson from Azets to map out what “good management information” looks like at each stage of a dental career. We start with associates and the practical realities of quarterly reporting, then move into what changes the moment you become a principal: monthly management accounts, clean categorisation, and a simple rhythm that turns compliance into control. We talk about forecasting your tax bill 12 to 18 months ahead, so 31 January stops being a panic and becomes a plan. From there, we get specific about dental practice KPIs and benchmarking. We discuss turnover against target, direct costs like materials and labs, staff costs, marketing effectiveness, EBITDA, and why context matters when you’re trying to judge whether your numbers are “normal”. We also cover how practice management software can link into Xero or QuickBooks for better drill-down, including income by chair and utilisation gaps, plus the common set-up mistakes that make reports misleading. If you want stronger cash flow, better tax planning, and lender-ready reporting that supports growth or an eventual exit, hit play. Subscribe, share this with a practice owner friend, and leave a review with the one KPI you want to get under control next.——————————————————————— 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.

Dental Practice Profitability with Darren Nicholson [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— You can spend months hunting for the “perfect” dental practice, then lose thousands by saying yes to the wrong loan structure or the wrong assumptions. James sits down with Dan Fearon from Saroma Finance to pull back the curtain on dental practice finance in the UK, focusing on the real world pitfalls that trip buyers up right before they sign. If you’re planning a first practice purchase, or you’re refinancing ahead of growth, this is the practical checklist you want in your pocket. We get specific about practice valuation and the numbers that drive bank lending. Dan explains how EBITDA is used to judge serviceability, why “add backs” can be legitimate or dangerously optimistic, and how projected figures in sales particulars can inflate confidence without improving your chances with a lender. We also talk through independence and small print: what to watch for if a sales route funnels you into an in house finance team, and how to keep your options open so you can compare terms properly. Then we move into loan structure and what many dentists do not realise is possible: interest only periods at the start of a loan, longer terms that reduce monthly repayments, fixed versus variable rate trade offs, and the ability to make lump sum overpayments. Finally, we demystify 100% finance on goodwill and freehold and why it’s less about headlines and more about whether the practice can cover your drawings and the repayments.——————————————————————— 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.

Mistakes You NEED To Avoid Before Taking Out Practice Finance with Dan Fearon [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— London can feel like noise until you realise it’s also a massive amplifier. We sit down in the new studio, swap interviewer and interviewee roles, and unpack what genuinely changed once we prioritised real-world conversations over staying entirely online. If you’re a UK dentist trying to build confidence, grow a business, or simply make smarter decisions with money, the thread running through everything is simple: proximity to the right people speeds up learning, clarity, and opportunity.&nbsp; We get practical about the internal stuff that holds most of us back. Fear is not a character flaw, it’s often an outdated survival response, and it shows up hardest when you want to be visible: networking, public speaking, posting content, or walking into a room where you don’t know anyone. We talk through how to reframe those feelings, how reps build competence, and why making “learning” the win helps you escape analysis paralysis and actually move.&nbsp; From there we zoom out to what Dentists Who Invest has become: a community plus education that includes verifiable CPD through the Smart Money Members Club, with a focus on dental finance, tax efficiency, investing, and building a healthier relationship with income and time. We also share why Business of Dentistry exists, what’s different about our events, and why The Entrepreneur’s Den aims to bring ethical profitability and dental innovation into the same room. If this sparks something, subscribe, share it with a colleague, and leave us a review so more dentists can find it.——————————————————————— 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 Story So Far with Dr. James Martin [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— Buy-to-let used to feel like the obvious property investment route for UK dentists, but 2026 is a different game. With interest rates biting, Section 24 still hurting personally owned portfolios, and renters’ rights reform changing how landlords manage tenancies, it’s easy to end up “investing” while quietly subsidising your tenant each month. We wanted a straight answer to a simple question: how do you make the flipping numbers work now, not ten years ago?&nbsp; I’m joined by property expert and fellow dentist Dr Harry Singh, and we get into the unglamorous truth first: cash flow is what keeps you in property long term, while capital appreciation is a bonus. Harry explains why the standard single-let model can be close to dead for many landlords once you add tax, finance costs and friction, then walks us through a strategy he believes is creating genuine margin today: leasing property to social care providers for supported living style accommodation, where the demand is structural and the budgets can be surprisingly large. We unpack how the contracts tend to work, why lenders care about break clauses, and what “no voids and maintenance handled” really means in practice.&nbsp; We also cover the practical route to getting started: finding the right providers first, using council and government contract sources, and doing proper due diligence through Companies House and CQC ratings so you don’t get seduced by a headline rent. If buying feels out of reach, Harry shares a rent-to-rent approach that focuses on control and cash flow rather than ownership, plus where these opportunities tend to cluster geographically and why timing matters.——————————————————————— 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.

Making Money In Property In 2026 with Dr. Harry Singh [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— The “go limited” advice gets thrown around dentistry like it’s a universal truth, but the real answer depends on one brutal question: do you need to take all the money out, or can you leave some inside the company with a plan? We sit down with chartered accountant Matthew Norton, who specialises in accounting for dentists across the UK, to unpack limited company vs sole trader decisions in plain English and with the numbers that actually drive the outcome. We cover the foundations first: liability differences, the shifting admin reality as Making Tax Digital expands, and how corporation tax and dividend tax interact. From there, we get specific about dentist pain points, including the £100,000 threshold where personal allowance tapering and childcare changes can bite, and why a salary-only approach inside a company is rarely as clean as it sounds once employer’s National Insurance is considered. For practice owners and mixed-income dentists, we go deeper into dental practice incorporation: selling goodwill into a new company, when capital gains tax might be worth paying, and how a director’s loan account can let you draw value back without dividend tax. We also talk NHS realities, from contract approval quirks to the NHS pension limitation for associates, plus how property ownership and future acquisitions can influence the structure you choose.——————————————————————— 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 Company vs Sole Trader For Dentists In 2027 with Matthew Norton [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— If you could earn another £100k this year, would your mindset actually let you keep it or would you spend your way back to where you started? That is the uncomfortable question at the heart of our chat with returning guest Tom Fortes-Mayer, a coach and former therapist who works with entrepreneurs and dentists on success psychology, beliefs, and what it takes to genuinely enjoy the life you are building. We dig into “living in alignment with wealth”: acting like the person who can hold money, responsibility, and opportunity without becoming tense, needy, or transactional. We unpack how a scarcity mindset leaks out in rooms full of successful people, why it quietly repels collaborations, and how inner security matters more than the number in your bank account. Tom shares a memorable way to think about it: being “waterproof” under pressure, so your nervous system stays steady and your decisions stay clean. From there we get practical. We talk integrity and generosity as wealth behaviours you can practise now, how abundance is about flow and circulation, and why giving value through content (without expecting instant return) is a real-world abundance strategy. Tom also lays out tools he used in therapy: increasing inner peace, clearing fear and old resentment, and building a step-by-step plan to stretch your comfort zone so you stop being controlled by fear. We even touch on deal-making mindset and examples like Undercover Billionaire as proof of what’s possible when you think bigger.——————————————————————— 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 Mindset of a Millionaire with Tom Fortes-Mayer [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— If you have ever looked at a strong income and still wondered why money feels tight, you are not alone and you are not broken. We sit down with Dr Andy Egwim GP and founder of Money Wise Doctor, to unpack how clinicians can turn earnings into lasting wealth through financial literacy, tax efficiency, and a system that actually gets executed. Andy shares the real story behind reaching financial independence, why he still keeps a small hand in clinical work, and what “time freedom” looks like when it is earned rather than fantasised about.&nbsp; We get practical on the UK personal finance essentials that move the needle: understanding the UK tax system, using tax efficient investing wrappers like ISAs and SIPPs, and claiming allowable professional expenses so you stop donating money to HMRC by accident. Then we break down Andy’s favourite framework, AMAS (Automated Monthly Allocated Saving System), which replaces fragile budgeting with automation. Whether you are paying off high interest debt, building a proper emergency fund, or investing for compounding growth, the goal is the same: make saving and investing happen in the background.&nbsp; We also tackle the debate that never dies: mortgage vs investing. Andy explains why the type of debt matters, why a 35% credit card balance is not comparable to a low rate mortgage, and how risk tolerance and sleep-at-night peace of mind should influence your plan. We round out with values-based spending, lifestyle creep, and a Profit First style approach to paying yourself properly if you run a practice or a side 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.

"I Retired In My 30s" with Dr Andy Egwim [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— Dental indemnity is one of the biggest essentials in UK dentistry, yet the way it is priced and the way decisions get made behind the scenes can feel deliberately hard to follow. We sit down with Tom, a dental indemnity specialist at AllMed Pro, to lay out how the system really works so we can stop guessing, stop overpaying and start buying the right protection with our eyes open.&nbsp; We dig into why indemnity premiums rise, looking at claims patterns, claims frequency and the true cost of a case, including legal fees, defence costs and expert witness reports. Then we get practical about risk rating: how extra sessions and higher-risk procedures can change the premium, why implant work needs a more detailed conversation than a simple tick-box, and how declaring your work accurately can prevent unnecessary price hikes later.&nbsp; We also myth-bust the hot topics dentists debate online: what discretionary cover actually means at the moment you need help, what insurance-backed (contract certain) cover changes, and why non-disclosure is one of the few things that can derail support. For principals, we unpack vicarious liability and non-delegable duty of care, plus how structuring the right policy for your practice entity can make a real difference when a claim arrives.——————————————————————— 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.

How To Stop Overpaying For Dental Indemnity with Tom Chaston [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— Buying a dental practice can feel like the finish line, until you realise it is the start of a much harder game: building a team, shaping culture, and turning turnover into real profit. We sit down with Kaival Patel, founder of Kana Health Group in Milton Keynes and Bedford, to unpack the honest story behind growth, including a deal that collapsed right before his wedding, the persistence that led to the first successful acquisition, and the messy learning curve that followed. We get into what many UK dentists experience but rarely say out loud: it is possible to earn less as a principal than you did as an associate, even while the practice grosses more. Kaival explains how defining a clear North Star changed everything, from the people they hired to the energy in the building, and how COVID created the space to finally understand the numbers. We talk break-even points per surgery per day, using management accounts, stress testing loans against interest rate rises, and spotting cost outliers that signal either risk or upside. From there, the conversation widens into scalable strategy: building a hub and spoke referral model, adding higher-end dentistry in a way that fits the business, and creating the Kana Dental Academy so clinicians can access structured training without travelling to London or Manchester. We also go practical on dental marketing, from community trust and practice personality on social media to Google PPC, and why you must track ROI so you know what is actually working.

How to Build a Dental Dynasty with Dr Kaival Patel [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— The biggest mistake we see dentists make when selling a dental practice is starting with the wrong target. If your first question is “What’s my practice worth?”, you can end up chasing a headline number that keeps you in clinic for years longer than you need, or worse, nudges you into a deal that does not actually support your life. We take a step back and start where exit planning should start: what you need, what you value, and what “enough” looks like for you and your family. We break the process into three clear numbers. Your lifestyle number is the foundation for financial independence for dentists: essentials, discretionary spending, family support, and a resilience buffer, plus one-off milestones that need to be costed and timed. Then we move into the legacy number and the realities of inheritance tax planning, including the “cliff edge” that practice owners face when business relief falls away and sale proceeds become cash sitting inside your estate. From there, we show how to calculate your exit number by reverse engineering the gap after pensions (including the NHS pension and SIPPs), investments, and property are factored in. We also cover the tax layers that shape a dental practice sale, including capital gains tax, business asset disposal relief (BADR), structuring considerations, and why upcoming pension rule changes can create a painful double-tax outcome if you ignore them.

Effective Dental Practice Exits: Why Most Dentists Do It Wrong with Luke Hurley [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at <a href="https://www.wearfigs.com/">https://www.wearfigs.com/</a>——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here &gt;&gt;&gt; <a href="https://courses.dentistswhoinvest.com/smart-money-members-club">https://courses.dentistswhoinvest.com/smart-money-members-club</a>——————————————————————— A squat dental practice can look glamorous on social media, but the reality is a messier mix of risk, debt, decision pressure, and people problems. We talk candidly about what changes when you stop being an associate and start building a practice from scratch, including why buying a practice feels “simpler” and why a squat requires a completely different mindset around planning, data, and culture. If you are a UK dentist thinking about dental practice ownership, this is the grounded framework we wish more people heard earlier. We start with a personal story of a thriving mixed practice that gets sold to a corporate, then rapidly falls apart as the team and patient list evaporate. That experience sparks a bigger question lots of dentists carry quietly: should I stay put, buy, or open my own? From there we lay out a clear decision-making approach called the certainty compass, designed to cut through overwhelm and three common traps: prestige spending, rushing a quick escape, and overthinking until the opportunity disappears. We bring it back to three simple checks: patient benefit, what the data actually says, and your true worst case scenario. Next, we get practical about growth: building an A-team in a new practice and why one toxic hire can drain your culture and profit faster than any marketing mistake. Finally, we break down the “invisible waiting list” and why community building, authenticity, and a consistent personal brand can bring patients in at low cost without turning you into an “influencer”.

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