Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Frozen thresholds can be more painful than a tax rate rise, and dentists are feeling it everywhere: higher marginal rates, the £100,000 personal allowance trap, and less room for error when cashflow is tight. I’m joined by accountant Matthew Norton from DJH to map the UK tax changes that matter most in the 2026 to 2027 tax year, with plain-English explanations and the practical “what would you do differently on Monday?” angle.

We dig into fiscal drag, National Insurance pressures on practices, and the student loan reality for Plan 2 dentists, including why repayments can barely touch the balance when interest is high. Then we get into the big behavioural shift: Making Tax Digital for Income Tax. If your self-employed turnover crossed the £50,000 line, quarterly reporting and the right MTD software are now essential, and getting set up early is the difference between smooth compliance and last-minute panic.

From there we tackle dividend tax changes, the tiny dividend allowance, and why the old salary-and-dividends routine needs a fresh look for limited company dental practices. We also cover tax-efficient choices that can still work, like keeping money inside the company when you don’t need to extract it, the logic behind holding companies and family investment companies, and the current incentives around electric company cars and benefit in kind.

To finish, we look forward: Business Asset Disposal Relief and capital gains tax changes that affect practice sales, the April 2027 cash ISA limit shift for under-65s, and the growing concern that private pensions may be pulled into inheritance tax planning. Subscribe for more dentist-focused money and tax planning, share this with a colleague, and leave a review if you want more deep dives like this.

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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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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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If your dental marketing is “working” but your books are not filling, the problem is rarely the ads. We sit down with Dr Ravil Doshi, a dentist who built a highly successful practice and achieved a multi-seven figure exit, to get practical about what drives real growth in a UK dental practice: conversion, culture, and systems that do not collapse when one person is off sick.

We unpack why practice owners so often feel stuck after investing in SEO, pay-per-click, and social media ads, and how to build a patient journey where every team member knows what to say, when to say it, and how to move the patient forward. We also explore the idea of a communication stack, how to spot bottlenecks using simple KPIs, and where AI can already help by reviewing call quality and identifying missed opportunities.

Associates get plenty here too. We talk about the invisible “treatment plan wall” that caps earning potential, how to present comprehensive options ethically, and how to build trust so patients do not feel they are being sold to. Finally, we get into bigger-picture practice management: growth systems, the role of vision, when buying another practice is actually the right move, and what it takes to build an associate-led practice even with as few as three surgeries.

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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 Fan Mail

UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Your dental limited company can be brilliant for control and planning, but it can also leave you staring at a growing bank balance you cannot access without a hefty tax hit. We sit down with specialist dental accountant David Hossein to lay out the real-world options for extracting wealth tax efficiently, from the basics (salary, dividends, expenses) to the lesser-known moves that can make a meaningful difference over time.

We get specific on what HMRC typically accepts, what needs evidence, and what tends to cause trouble. That includes the £100,000 income cliff edge, how employer pension contributions can reduce corporation tax, and the practical checklist of allowable expenses many UK dentists miss. We also dig into the grey areas listeners always ask about: course travel, business meetings, employing family members, directors’ loans, trivial benefits, and why vouchers are not treated as “non-cash” in the way people assume.

If you are investing through companies or thinking about buying or selling a practice, this matters even more. We explain why property often sits in an SPV, how intercompany loans work, and the “trading company vs investment company” trap that can put Business Asset Disposal Relief (BADR) at risk. For principals, we outline planning ideas around share sales, holding companies, substantial shareholding exemption, and even how surplus cash might be treated on a sale when contracts are drafted correctly.

If you find this useful, subscribe, share it with a colleague, and leave us a review so more dentists can find smarter, calmer ways to handle tax and build long-term wealth.

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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 Fan Mail

Send us Fan Mail