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 Alia Mead 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.

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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.
Shop now at https://www.wearfigs.com/

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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