Wealth Management for Dentists
Welcome to
PFM Dental
Wealth Planning
Our wealth management service is suitable for clients with invested assets in excess of £250,000. This might include personal pensions, ISAs or other investments that you have already accumulated. You may have sold your dental practice and need advice on investing the proceeds for long-term growth or income.
Our investment portfolios are bespoke and we are careful to listen to your financial planning objectives.
Common Areas for Advice
NHS Pensions
Options for how and when to take your NHS Pension.
24-Hour Retirement
How to gain pension benefits and keep working as a dentist.
Consolidation
Advice on consolidating your pensions and investments.
Pension Drawdown
Ensuring your pension works most effectively for you now and in the future.
Tax-Free Investment
Taking advantage of ISAs and other tax wrappers.
Inheritance Tax
Ensuring you have a strategy to mitigate inheritance tax.
Our Wealth Management platform
Our investment platform allows you to make use of valuable annual tax planning strategies, such as the use of capital gains tax allowances. Our regular review of your portfolio and other technical advice is included in our transparent fee structure. We have conducted extensive research to ensure we use the highest rated and most cost-effective investment platforms for your financial planning.
We offer a wide range of investment options to cater for all financial planning needs. These are usually held on our wealth management ‘platform’ which can incorporate a variety of financial products including: ISA, SIPP (personal pensions) OEIC/Unit Trusts and Inheritance tax planning vehicles such as Investment Bonds under trust. This allows you and your adviser to view all of your financial plans under one roof. This enables an effective and streamlined regular review process and significantly reduces investment charges.
PFM’s Wealth Management Collaboration with Schroders
FAQs
Are you independent?
Yes, we have been independent since we started in 1990.
How experienced are your advisers?
All our advisers have advised dentists for at least 15 years, and some much longer than this.
Can you advise on NHS pension?
Yes, this is a key area of advice for us.
Do you have a minimum investment portfolio size?
Our clients will usually invest a minimum £250,000 although, if you are accumulating wealth, we can accommodate a lower starting point.
Do you use off the shelf investment portfolios?
No, all the portfolios we run are composed by our in-house investment committee and rigorously researched and reviewed.
How competitive are your charges?
We have researched the market place and believe that our fees are highly competitive. Generally, we charge an ongoing fee of 0.75% pa which is inclusive of all advice.
How do you select the right portfolio for me?
After consultation and discussion, we will help you select the most suitable approach to investment risk from our range of portfolios, from cautious to more speculative. This can be applied per couple or separately to individuals.
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