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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 you think selling a dental practice is just about getting the biggest number, this conversation will challenge that fast. We are joined by Maja Thompson from Henry Schein, who works across practice sales and valuations at scale and has seen the real human cost behind once-in-a-lifetime exits. We talk honestly about the emotional whiplash sellers face, from the long build-up to the moment the deal completes, and the unexpected void that can appear when your identity has been tied to ownership for decades.

We dig into what makes an exit smoother years before you ever go to market: planning purpose, setting realistic expectations, and building a life you actually want after the sale. On the business side, we explore practical drivers of dental practice valuation, including diversifying revenue streams across NHS, private, plan income and more, and reducing how dependent the practice is on the principal’s own clinical output. We also get tactical about measurement: chair utilisation, white space, and why “you master what you measure” is a real edge when you are trying to improve profitability and stability.

Then we demystify dental practice due diligence, including what buyers check, why the timeline can drag on for months, and the hidden deal-breakers that trip sellers up. Property and lease length, building compliance, funding alignment, and the realities of CQC registration transfer all matter, and each can slow completion if you leave it too late.

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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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Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
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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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The day you sell your dental practice can be the most exciting payday of your career and the most dangerous moment for your finances. We see it all the time: years of hard work crystallise into a lump sum, then the reality hits that the practice income has switched off and inflation is still running. So we sit down with financial planners Luke Hurley and Anik Sharma from Videre Financial Planning to map out what actually matters before, during, and after a dental practice sale in the UK.

We talk through how to improve dental practice valuation by reducing owner reliance, tightening systems, and presenting a business that a buyer can run without you. Then we get practical about deal structure: asset vs share sales, deferred payments, and earn-outs, and how each option changes tax and your real “money in your pocket”. The key idea is simple but often missed: know your number. With cash flow modelling, we can work backwards from the lifestyle you want across different retirement phases, include NHS pension and State Pension, and test whether a proposed sale price truly funds financial independence.

From there, we tackle what happens the moment the money lands: protecting capital, understanding FSCS limits, when NS&I can make sense, and why a cash management plan for the first 12 to 24 months prevents panic. We also cover behavioural traps like analysis paralysis and market timing, plus how portfolio stress testing across long-term history can guide sensible withdrawal strategies. Finally, we demystify inheritance tax planning, trusts, and when a family investment company might be appropriate, including why acting before the capital event can widen your options.

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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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Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-

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Download your Goodwill Report here: https://dentalelite.co.uk/goodwill-report/

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Goodwill gets talked about like it’s a casino, but the numbers tell a steadier story, and that’s exactly why we recorded this. We sit down with Luke Moore, co-founder of Dental Elite, to unpack the key takeaways from the Dental Elite Goodwill Report and explain the real forces behind the headline valuation stats. If you’re planning on buying your first dental practice, selling, or simply trying to understand where the UK dental practice market is heading, this conversation gives you a grounded framework to think clearly.

We dig into the “goodwill bubble” claim and why a 10 year view of the FMT multiple looks far flatter than the fear-driven narrative suggests, aside from the unusual COVID spike. From there we explore why valuations can still push higher: more confidence around interest rates, a renewed appetite for ownership among younger dentists, and the simple fact that dental practices have stayed resilient while other asset classes have felt shakier. We also talk about the reality behind profitability, including how principal earnings have risen in cash terms, why associate pay has not kept pace, and how practices have used pricing power to navigate inflation, wage costs and overheads.

Then we get practical. Luke explains how bank lending for dentists is shifting, with more competitive margins, longer repayment terms and options like repayment holidays, all of which change affordability and buyer behaviour. We also cover the supply squeeze that’s creating faster sales and competitive bidding, plus the changing corporate dentistry landscape as tier one and tier two groups return with sharper deal structures, sometimes offering all cash on completion.

Finally, we tackle one of the most surprising signals: NHS practice valuations. With recent NHS dental contract changes such as fluoride applications delivered via skill mix and improved payments for unscheduled care, NHS multiples are rising and groups are paying close attention.

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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

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
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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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Your accountant should not be a once-a-year tax return machine and your fee should not feel like dead money. We sit down with specialist dental accountant Alliah Hamid to get practical about what “good value” actually looks like for UK dentists, from associates doing self-assessment to principals running a growing dental practice. If you have ever wondered whether you are overpaying tax, missing allowable expenses, or simply not getting answers when you need them, this is a clear route map for the conversation you should be having.

We unpack the mindset shift from cost to investment, then make a sharp distinction between a compliance accountant and an advisory accountant. Alia explains how advisory support works in real life: understanding your goals, spotting changes in your income, keeping up with HMRC changes like Making Tax Digital (MTD), and helping you stay tax efficient without stepping outside the rules. We also talk through why dental-specific knowledge matters, including common associate costs, travel to non-permanent workplaces, education and study, and when working-from-home claims may apply.

Finally, we get blunt about red flags: accountants who hide behind jargon, fail to ask intelligent questions, or stay vague about what is included in their fee. You will leave with a short list of questions to ask your accountant on Monday, plus a clearer idea of what support you should expect as you move from sole trader associate to limited company considerations and ultimately to practice ownership.

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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

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/

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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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Your mortgage rate is not just about the Bank of England base rate and this chat proves why. We sit down with Sarah Grace, a specialist mortgage broker who works closely with UK dentists, to unpack what is happening in the mortgage market as a huge wave of borrowers roll off two-year and five-year fixes. If you are moving from a sub-2% deal to something that starts with a four, you are not alone and you are not imagining the shock.

We get practical on the decision that matters most right now: fixed rate mortgage versus tracker mortgage. Sarah explains why fixed rates can jump even when base rate holds, how swap rates and the money markets feed into lender pricing, and what that means during periods of global uncertainty. We also talk about the fine print that can save you money later, especially early repayment charges, and why a tracker with no ERC can offer flexibility if you want to switch when the mood changes.

For associates and dentists early in their career, we answer a common worry: whether you need two years of accounts to get a mortgage after becoming self-employed. Sarah shares how some lenders can work from three months of pay schedules, how income may be annualised, and how to think about timing when your earnings are still building. Then we go deeper on interest-only mortgages, including equity requirements, lender rules around downsizing as a repayment plan, and alternatives such as using an ISA or an NHS pension tax-free lump sum as the repayment vehicle.

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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

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
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Download your workbook for this episode here: https://sigma-smile.com/#workbook

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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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A dental practice can look busy, feel exhausting, and still be quietly losing tens of thousands in revenue. We sit down with Ravinder Nottra, a profitability coach for dentists, to unpack how Lean and Six Sigma can turn the daily chaos of overruns, long waits, and inconsistent workflows into something you can actually see, measure, and improve.

We start with a familiar pain point: the “30-minute wait”. Rav shows how delays are rarely caused by one big mistake, but by a cascade of small defects that stack up, then links that operational drag to the numbers that matter: no-shows, overheads, and how small percentage wins can translate into meaningful profit. From there we dig into Lean thinking, mapping the patient journey to strip out waste, and Six Sigma, reducing variation so your diary becomes predictable rather than hopeful.

You will hear practical examples from McDonald’s consistency, Formula 1 pit stops and SMED, plus surprising bottleneck lessons from the NHS and Heathrow that apply directly to reception, chair time, and pre-appointment communication. Rav also shares three tools you can use immediately: the Five Whys, Pareto thinking, and tight standard operating procedures that protect quality and boost practice valuation by making performance repeatable.

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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

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/

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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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Most investing mistakes are not dramatic blow-ups, they are quiet, expensive decisions made in the wrong order. We keep it simple and practical by using a four-part framework you can apply to any portfolio: choose your asset first, then the fund, then the account, and only then the platform. That one change stops you picking a shiny investing app and shoehorning your plan into whatever it happens to sell, and it puts the focus back on what actually drives results: asset allocation and time horizon.

We dig into the part almost everyone gets wrong: confusing risk with volatility. Volatility is the price of admission for long-term returns, especially if you are investing for 10+ years. We also pull inflation into the conversation, because returns that fail to beat inflation are not real progress towards financial freedom. Using clear examples, we explore why some “low risk” portfolios can be risky in a different way, by making it harder to reach your goals.

From there we move into the nuts and bolts: using funds, ETFs and index funds for global diversification, what to look for in tracking and fund charges, and why passive investing often wins after fees. We then weigh up UK investing accounts such as a General Investment Account, an ISA, and a pension or SIPP, focusing on the trade-off between tax efficiency and access. Finally, we talk platforms, the reality behind “no fee” claims, flat fee versus percentage pricing, and the fee ranges that should make you pause.

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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

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/

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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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Interest rates are supposed to be boring, but they can decide whether your practice feels effortless or constantly tight on cash. We sit down with finance specialist Kevin Saunders to make sense of the latest Bank of England base rate picture, why inflation still matters, and why some economists are now talking about rate rises again rather than cuts. If you are a UK dentist with a loan on a variable rate, or you have borrowing you have not looked at in years, this is your nudge to stop running on autopilot.

We get practical about refinancing for dentists: who should consider a review (especially borrowing taken out between 2008 and 2020), how practice valuations can unlock better terms as your business matures, and why stacked short-term equipment finance can quietly drain your monthly cash flow. We also talk through the real-world friction costs people forget, like valuation fees, legal fees, and early repayment charges, so you can judge whether switching is genuinely worth it.

Kevin shares how newer lending products and longer terms, including 20-year goodwill loans, can reduce repayments even if the interest rate is slightly higher. The goal is simple: improve cash flow and direct the surplus into building personal wealth, including paying down your residential mortgage where there is no tax relief on interest. We finish with straight talk for first-time buyers: waiting for the “perfect” rate can mean missing the perfect practice.

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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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