Your dental career pathway

If you need advice and support at any stage in your dental career, we can help. We’ve put together this guide to show you how.


  • Foundation training

    12 months of DF1 will fly by.

    We work with many training schemes across the UK provide financial education.

    We help you to understand the differences between self-employment and salaried service as you make a decision on which career path to pursue and the financial implications.

Early career

  • Becoming an associate

    Hundreds of new associates have joined our accountancy straight from foundation training.

    You immediately benefit from our help with HMRC registration and practical guidance on being self-employed like how much you will need to save for tax national insurance and student loans. Your first introduction to our specialist independent financial advice might be to review your income protection and find out more about your NHS pension.

  • Purchasing your own practice

    Exploring the opportunity.

    Our multi-disciplinary approach will help you realise your goal of buying a practice. When you start looking for a practice you are likely to sign up to our sales agency. PFM are on of the biggest dental brokers covering England, Scotland and Wales.

    Our accountancy team will run projections to check your proposed purchase works. Our financial advice team will handle your bank finance application and our legal team will make sure your purchase agreement is water-tight and help with related issues such as leases and CQC.

  • Business planning

    Making it work.

    Our accountancy service will help you make the most of your business and advise on the most tax efficient way for you to draw income.

    We have helped many dental businesses incorporate (limited company) and advised on partnership arrangements.

Mid career

  • Planning for your future

    Whether associate or practice owner we can help with your financial planning strategy.

    It is never too early to start a plan for retirement and make the most of tax relief on pensions and ISA allowances.

  • Exit strategy

    Valuing and selling goodwill.

    Understanding the value of your business and early planning are the key to a successful exit strategy from dentistry.

    Our sales agency can market your business to thousands of registered buyers and our priority buyers scheme means you may not have to pay a fee for using our sales agency.

Selling your business

  • Legal advice when you sell

    When you come to sell we have our own legal department.

    Our fixed fee service covers specialist areas of advice such as NHS contract transfers and property issues.

  • Financial planning for retirement

    Financial crossroads

    The financial crossroads of retirement can be hard to negotiate. Issues such as the Lifetime Allowance and your NHS pension require careful consideration.

    Our financial advisers are independent, chartered and dental specialists so you are in good hands. Investment advice is a key part of our service especially managing investment risk and making your portfolio as tax efficient as possible.