Wealth Management

Fully independent financial planning from a dental specialist with chartered financial planner status

  • Advising dentists since 1990
  • Chartered financial planners
  • Fully independent
  • NHS pension experts
  • Pension drawdown specialists
  • Investment portfolio advice
  • Independent
  • Chartered
  • ASPD members
  • Full Wealth Management Service
  • NHS pension experts

Chartered Status

PFM Dental has achieved Chartered Financial Planner status, which is the financial planning industry’s gold standard for quality and integrity. No other financial planning firm offering advice exclusively for dentists has this marque of quality. Our qualified financial advisers are fully independent and committed to high professional standards. We have provided financial advice since 1990.

Investment advice

PFM Dental is a specialist in the construction and ongoing management of investment portfolios. We have invested extensively in processes and people in order to provide a comprehensive wealth management service. Our investment process makes use of multiple ‘tax wrappers’ such as ISA, Unit trust/OEIC and International Bond to ensure income and growth are a s tax efficient as possible. A regular review process is in place to ensure your funds are actively maintained and ‘best advice’ is always adhered to.

SIPP and income drawdown

If you have accumulated personal pensions and have a need to take income or tax free cash careful consideration of the options is required. Ongoing management of your pension investment will be critical to the amount of income you can enjoy in retirement. PFM Dental are experts are providing advice on SIPPs (Self Invested Personal Pensions) and how best to manage income in retirement. Consolidation of non SIPP pensions is also an area of expertise.

Lifetime Pension Allowance

Many dentists have a need to consider HMRC legislation in respect of NHS and personal pensions. Various forms of HMRC protection are available to avoid a tax charge. Often these are underused or misunderstood, especially where your adviser is not a specialist or no regular advice is being undertaken. PFM Dental offers the highest quality technical advice in this area and understands the complex valuation process for NHS Pensions.

NHS Pension

PFM Dental understands the three NHS Pension schemes, their benefits and features. If you intend to make use of implications of ’24 hour retirement’ it is important to seek our specialist advice, especially where an NHS contract is involved. Those dentists at an earlier stage in their career may wish to seek advice on additional pension contributions now that NHS pension age is linked to state retirement age.

Accumulating and protection

For dentists at an early stage in their career we offer advice on accumulating wealth. This often involves discussing additional pension contributions and a ‘Plan B’ to combat an ever increasing NHS Pension retirement age. For many younger dentists arranging adequate and dental specific income protection should be a priority. As we offer advice exclusively to dentists we are best placed to help select the most appropriate cover and explain the options.

Interested in Wealth Management?

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The value of your investment can go down as well as up and you may not get back the full amount invested.

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