Are you a dentist looking to grow your wealth? Visit our website to learn more.&nbsp;<a href="https://www.viderefinancial.com/contact">https://www.viderefinancial.com/contact</a>——————————————————————— You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— Dreaming of an early retirement? This episode is your guide. Financial planning expert Anick Sharma joins us to share actionable steps tailored specifically for dentists. He challenges traditional retirement models, urging you to measure wealth not just in pounds but in time, relationships, and meaningful experiences. Through an inspiring client story, Anick illustrates how understanding your financial position and setting clear goals can help you retire sooner than you thought possible—all while aligning your finances with the life you truly want.We explore how to balance your financial “bucket,” ensuring income, assets, and spending work together to create both present happiness and long-term security. Anick draws a brilliant analogy between financial planning and dental treatment planning: a clear diagnosis is key before choosing the right remedy. Whether you’re planning to step back early or just want to secure a stress-free retirement, this episode is packed with insights to help you craft a strategy that fits your life.——————————————————————— 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.

The Academy Want to become a DIY investor too

Discover actionable steps to retire early with financial expert Anick Sharma in this must-listen episode.

What Steps Can I Take To Retire Early? with Anick Sharma | EP339

What Steps Can I Take To Retire Early? with Anick Sharma

The Academy Want to shortcut your investment education by years

Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/video/1">https://www.dentistswhoinvest.com/video/1</a>——————————————————————— Have you ever wondered why some professionals seem to effortlessly build wealth while others with identical incomes struggle financially? The answer lies not in how much money you make, but in your fundamental approach to growing and managing wealth. This eye-opening discussion challenges conventional wisdom about career progression and financial planning. We explore the provocative concept of "retiring at 21" – not as a universal goal, but as a framework for understanding how early financial decisions compound dramatically over time. While building wealth rapidly brings advantages, we candidly discuss why acquiring money before gaining life experience can sometimes be problematic. The conversation introduces a powerful metaphor that could transform your financial thinking: the "financial pie." Most people approach their finances assuming they must divide a fixed resource between current lifestyle and future savings. The breakthrough comes when you realize you can dramatically increase the size of your pie through strategic career development, business ownership, and intelligent investing strategies. For healthcare professionals and especially dentists, we outline a specific roadmap to financial independence: first becoming an exceptional, high-grossing associate to generate substantial cash flow, then strategically investing in both skills and assets, and potentially leveraging that foundation to establish associate-led practices. This multi-stage approach creates both immediate income and long-term wealth. Whether you're a student planning your career or an established professional looking to accelerate your wealth-building journey, this conversation provides a refreshingly honest look at what really works. By learning from others' experiences rather than making every financial mistake yourself, you can chart a faster, more direct course to true financial freedom.——————————————————————— 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.

DWI Store

Retired At 21 with Dr James Martin and Naveed Bhatti

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt; <a href="https://www.dentistswhoinvest.com/videos/how-to-efficiently-extract-wealth-from-your-limited-company-with-david-hossein">https://www.dentistswhoinvest.com/videos/how-to-efficiently-extract-wealth-from-your-limited-company-with-david-hossein</a>——————————————————————— 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.

David Hossein Want to become as tax efficient as possible navy

How To Efficiently Extract Wealth From Your Limited Company with David Hossein [CPD Available]

David Hossein Want to become as tax efficient as possible?

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt; <a href="https://www.dentistswhoinvest.com/videos/is-100-finance-for-dental-practices-possible-with-kevin-saunders">https://www.dentistswhoinvest.com/videos/is-100-finance-for-dental-practices-possible-with-kevin-saunders</a>——————————————————————— 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.

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Is 100% Finance For Dental Practices Possible? with Kevin Saunders [CPD Available]

Kevin Saunders Vertical banner

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/new-nhs-contract-reforms-are-coming-with-mr-johnny-minford">https://www.dentistswhoinvest.com/videos/new-nhs-contract-reforms-are-coming-with-mr-johnny-minford</a>——————————————————————— 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.

The Academy Discover Your Options as an Investor

New NHS Contract Reforms Are Coming... with Mr Johnny Minford [CPD Available]

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/heres-how-to-design-a-portfolio-that-beats-99-of-other-investors-with-dr-james-martin">https://www.dentistswhoinvest.com/videos/heres-how-to-design-a-portfolio-that-beats-99-of-other-investors-with-dr-james-martin</a>——————————————————————— 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.

Here's How To Design A Portfolio That Beats 99% Of Other Investors with Dr James Martin [CPD Available]

Get a free audit of your indemnity cover here &gt;&gt;&gt; <a href="https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/">https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/how-can-i-reduce-my-indemnity-fee-with-adam-okeeffe">https://www.dentistswhoinvest.com/videos/how-can-i-reduce-my-indemnity-fee-with-adam-okeeffe</a>——————————————————————— 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.

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How Can I Reduce My Dental Indemnity Fee? with Adam O'Keeffe [CPD Available]

Adam Okeeffe vertical banner

Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/video/1">https://www.dentistswhoinvest.com/video/1</a>——————————————————————— What is the smartest way to invest in Bitcoin without jeopardising your financial stability or peace of mind? In this honest and engaging episode, Dr Sonny shares his personal journey through the unpredictable world of cryptocurrency. From the excitement of seeing his portfolio grow by 900 percent to the emotional toll of an 85 percent downturn, his experience offers a valuable perspective for any dental professional considering crypto investment.Bitcoin recently reached a new all time high of around seventy three thousand dollars, ahead of the anticipated halving event. This early surge may reflect rising interest from institutional investors following the introduction of Bitcoin ETFs. However, as Dr Sonny explains, successful investing is not about perfect timing but about having a well considered strategy.Throughout the conversation, Dr Sonny unpacks how the volatility of Bitcoin impacted not only his investments but also his sleep, mental wellbeing, and focus in practice. He outlines three practical strategies for approaching cryptocurrency, along with useful allocation tips and data driven tools that can help you make sense of Bitcoin’s dramatic price shifts.Listeners will also learn how Dr Sonny uses a hot potato thirds method to manage risk, why certain technical indicators can offer valuable signals, and how to maintain a balanced mindset that avoids both hype and panic.Whether you are new to crypto or already hold Bitcoin, this episode delivers clear, actionable insights to help you make informed decisions. As Warren Buffett famously said, be fearful when others are greedy and greedy when others are fearful. That wisdom is particularly useful when navigating the high stakes world of cryptocurrency.——————————————————————— 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.

Bitcoin - What Is The Market Doing? with Dr Sandeep Sadana

Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/videos/heres-what-making-tax-digital-in-2026-means-for-dentists-with-amman-sarkaria">https://www.dentistswhoinvest.com/videos/heres-what-making-tax-digital-in-2026-means-for-dentists-with-amman-sarkaria</a>——————————————————————— A major shift in UK tax reporting is on the horizon and it is set to impact thousands of dental professionals. Making Tax Digital, known as MTD, represents the most significant overhaul to self-assessment in decades. Yet many in the dental profession remain unaware of what is coming and how it could affect their practice finances.From April 2026, self-employed dentists earning more than fifty thousand pounds annually will need to switch from paper records to digital tax submissions using HMRC approved software. This change may seem straightforward, but the practical implications are far more complex. Dentists trading through limited companies may be temporarily exempt, but additional income streams could still trigger the new reporting obligations.We break down exactly who will be affected and when, outlining how the income threshold will gradually drop to thirty thousand in 2027 and twenty thousand in 2028. Understanding which income sources count is vital. Dividends are excluded from the threshold calculation, while property income must be added to your self-employed earnings. For those with multiple income sources, the burden increases sharply and could result in up to eight digital submissions per year.This episode offers clear guidance on how to prepare, from setting up a dedicated business bank account to choosing MTD compatible accounting software. While the transition may seem daunting, there are potential advantages such as greater visibility of your tax position throughout the year.Whether the changes apply to you now or in future years as thresholds fall, this episode will help you plan ahead and reduce stress as deadlines approach.You can also earn free verifiable CPD. Simply click the link in the description, complete the questionnaire, and we will email your certificate to support your professional development hours.——————————————————————— 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.

Here's What Making Tax Digital In 2026 Means For Dentists with Amman Sarkaria [CPD Available]

Do your mortgage repayments feel high? Connect with Sarah here: <a href="https://www.dentistswhoinvest.com/sarah-grace-mortgages">https://www.dentistswhoinvest.com/sarah-grace-mortgages</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/video/1">https://www.dentistswhoinvest.com/video/1</a>——————————————————————— Breaking free from the mortgage myths that hold dentists back. If you've been told you need two years of accounts to secure a mortgage, prepare to have your financial horizons expanded. This game-changing conversation with specialist dental mortgage advisor Sarah Grace reveals that dentists can secure mortgages much earlier in their careers than most high street banks would have them believe. For associates, the path to property ownership can begin after just three months of pay schedules. Whether you're fresh from foundation training, transitioning between business structures, or returning from maternity leave, specialist lenders recognize your earning potential without demanding years of financial history. The best part? The interest rate premium for these specialized mortgages is minimal – often just a quarter percent more than standard rates. This means newly qualified dentists can start building property wealth years earlier than they might have thought possible. Practice owners face different considerations but equally promising opportunities. While principals typically need at least a year's worth of accounts, many lenders will consider retained profits within the business rather than just the salary and dividends drawn. This approach recognizes the true financial strength of dental practice ownership, particularly for those structuring their finances efficiently for tax purposes. We also explore the nuances of what lenders consider "commitments" against your name and how company expenses versus personal expenses affect borrowing power – knowledge that can significantly increase your mortgage potential. Ready to rethink what's possible with your dental income? Listen now and discover how to leverage your professional status to secure property financing on your timeline, not the bank's. And don't forget to claim your free verifiable CPD by completing the short questionnaire through the link in our description – making this episode both financially enlightening and professionally valuable.——————————————————————— 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.

Sarah Grace do your mortgage repayments feel high?

Can I Get A Mortgage With Less Than 2 Years Of Accounts? with Sarah Grace [CPD Available]

Sarah Grace Do your mortage repayments feel high?

If you’d like to discuss your finances with a professional, you can connect with Anick here: <a href="https://www.viderefinancial.com/contact">https://www.viderefinancial.com/contact</a>——————————————————————— Collect unlimited free verifiable CPD for UK Dentists here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/video/1">dentistswhoinvest.com/video/1</a>——————————————————————— Your financial future deserves more than a menu of investment products. But how can you tell whether the advice you are receiving is truly in your best interest or just a surface-level recommendation?In this episode, Certified Financial Planner Anick Sharma unpacks the confusing world of financial advice, explaining the real difference between financial advisors, wealth managers, and financial planners. While Independent Financial Advisors (IFAs) offer a broader range of products across the market, many others operate under restrictions, recommending only from a limited panel, often at higher cost and with narrower relevance.We discuss why wealth management typically focuses on investment portfolios alone, often overlooking key life goals and broader financial context. In contrast, true financial planning takes a holistic approach, mapping out a clear route from where you are now to where you want to be and ensuring your money supports what matters most in life.Anick also highlights one of the most dangerous misconceptions: that “low-risk” portfolios are always the safest choice. In fact, if they fail to outpace inflation, they may quietly erode your financial future. As Anick puts it, “There’s no point going to the grave with a great big stack of money. You're just going to make the kids rich, not necessarily yourself fulfilled.”So how can you tell if your adviser is offering genuine financial planning or simply selling a product? Ask the right questions, like “When can I retire?” and “What assumptions are you using to get there?” and see if they can answer with evidence and clarity, not just jargon.Whether you are at the beginning of your financial journey or planning your exit strategy, this episode will help you ask better questions, demand better answers, and take more confident control of your financial future.——————————————————————— 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.

Anick Sherma

Here's What Dentists Need To Know Before Taking Financial Advice with Anick Sharma

Anick Sherma New vert

If you’d like to discuss your finances with a professional, you can connect with Anick here: <a href="https://www.viderefinancial.com/contact">https://www.viderefinancial.com/contact</a>——————————————————————— You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— What if you’re already financially free – and don’t even realise it? In this powerful episode, Certified Financial Planner Anick Sharma reveals how dentists and business owners often work far longer than necessary, missing out on meaningful time with family, travel, and personal fulfilment.Anick introduces a fresh perspective on retirement. It’s not about reaching a certain age, but about reaching the point where you no longer trade present happiness for future security. Through real-world client stories, he shares how tailored financial planning helped people discover they could retire five years earlier than expected, often prompting life-changing decisions.Central to this approach is a clear and practical cash flow strategy. Anick uses the memorable “bucket analogy” to explain how money enters, fills, and flows through your life – showing how a million-pound pension isn’t the goal, but what that money enables is.We explore why so many dental professionals fall into the “just one more year” trap – continuing to build business value while overlooking personal financial freedom. Anick shows how shifting focus to systematically extracting wealth can allow you to live with more freedom now, rather than waiting for an eventual practice sale.If you’re wondering whether you could afford to work less, travel more, or retire early, this conversation offers clarity, inspiration, and practical steps to get there.Listen now and rethink what retirement could look like – on your terms.Let me know if you'd like a shorter version for social media or an episode title suggestion.——————————————————————— 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.

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