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

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

———————————————————————
Starting a dental practice from scratch at 25 is either madness or the fastest business education you can buy. We sit down with James and Katy Nolan, who did exactly that by launching a private dental squat, learning compliance and operations as they went, and then choosing to go back for more with a second location.

We get honest about why they avoided buying an existing practice and paying goodwill, and why having full control over the brand, the fit-out and the patient experience mattered. They break down the less glamorous realities that hit new owners hardest: cash flow, overheads, staffing, planning, CQC rules, and the moment you realise a dental practice is a business with marketing and sales at its core, not just a place to do dentistry.

Then we dig into the practical stuff every UK dentist wants to know, especially principals thinking about a squat practice: how they filled diaries with almost no budget, including a bold Instagram DM strategy, virtual consults and an early focus on testimonials and transformations. Finally, we zoom out to scaling, discussing systems, managers and the shift from working in the business to working on the business, plus why the second practice can feel even more demanding than the first.

If you’re weighing up a dental squat versus buying, trying to grow a private practice, or wondering whether ownership will give you freedom or become a ball and chain, this one will give you clarity. Subscribe for more, share it with a colleague who’s planning a squat, and leave us a review with your biggest question about practice ownership.

———————————————————————
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

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

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

———————————————————————
You can pick the perfect fund and still end up with the wrong life. That’s the uncomfortable truth we dig into with independent financial adviser Luke Hurley from Videre Financial Planning, because the biggest mistake we see isn’t investment selection, it’s skipping the vision that should sit above every financial decision.

We start with three grounding ideas: time is your most precious resource, happiness is the real end goal, and money is only the enabler. From there we get practical fast. Luke shares the questions that uncover your “why” (not just “security” or “freedom”, but what that actually means day to day), then shows how to turn values into measurable milestone goals you can plan for without pretending you can predict the future.

Next we define financial independence in plain English: the point where you work because you choose to, not because you have to. We talk about finding your personal “number” by auditing your real household spending, and we add UK context with retirement spending benchmarks. We also pressure test the rule of 25 and the 4% rule, including why they can mislead if you ignore State Pension, NHS pension, rental income, tax, and how spending often changes later in life. Finally, we get into why a pension can sometimes be the last pot you touch and how that links to inheritance tax planning and long term investment strategy.

———————————————————————
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

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

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

———————————————————————
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.

———————————————————————
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