Financial Advice for Dentists

We have provided financial planning exclusively for dentists since 1990.

  • Fully independent advice
  • Chartered status
  • Wealth management advice
  • FCA regulated
  • NHS pension experts
  • NACFB members for practice finance

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  • Fully Independent Advice
  • Chartered Status
  • Wealth management
  • FCA Regulated
  • NHS Pension Experts
  • Practice Finance

Practice purchase finance

Are you looking for a practice and want to find out how much you can borrow? Perhaps you have already missed out on a practice due to a lack of suitable funding. With strong connections at all the major healthcare banks and membership of the NACFB (National Association of Commercial Finance Brokers) we are best placed to get you the best deal on practice finance. We highly recommend you attend one of our practice buyer events.

Wealth management

Our regular review service is ideally suited to clients with funds in excess of £250,000 or where you expect to accumulate funds to this level. Structuring your investments and pensions to ensure you make the most of all the available tax and savings vehicles is central to our advice. Developing a long-term relationship with our clients is key to the service we provide.

NHS pensions and personal pensions

Has your NHS pension been adversely affected by changes to the scheme in 2015? Perhaps you want to ensure you have a ‘Plan B’ when it comes to retirement and would like to review your current NHS pension benefits. A personal pension contribution remains a highly tax efficient way of saving for a more flexible retirement.

Dental specific insurances

Many dentists sign up to an income protection policy in their final year at university. However, all too often these policies fail to keep pace with income and need to be reviewed. If you have a Dentists Provident or Wesleyan policy it makes sense to review this and consider whether a guaranteed premium rate is suitable. Insurances are often a pre-condition of a practice loan and can be arranged as per the bank’s requirements.

Retirement events – lifetime allowance

Our popular retirement planning events cover recent HMRC legislation and how this interacts with your NHS pension. You may need to review your HMRC lifetime allowance position and take action to mitigate a potential charge.

Liaising with our other professional advisers

As a PFM Dental client you will have access to other professional advisers such as our chartered accountants and dental legal services. Our practice valuations and sales service is also applicable if you would like to plan your exit strategy and understand your options.

Interested in Financial Advice?

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Related Article: Will the lifetime allowance affect your pension?

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What Our Clients Say

During the practice purchase Stephen and the team at PFM Legal were thorough, professional and always happy to answer questions. Their knowledge of dentistry and its quirks was invaluable in making the process run smoothly.

Jon Martin