Specialised Financial Planning for Associates

Welcome to

PFM Dental

Financial Planning

Getting your financial planning on the right track as an associate dentist is easier with our help. Although the internet can be a useful resource for research it doesn’t generally cater for the specific financial planning aspects of your dental career. Carefully chosen plans will give you options at retirement and offer long-term financial security.

We have provided a financial planning service for dentists since 1990 and our advisers understand the financial and business intricacies of your profession. This ensures we have expert knowledge on areas that dentists commonly need advice on. We may help you understand the details of the 2015 NHS pension scheme and how your pension builds to retirement. What opportunities are there to make additional pension contributions and where should these be directed?

Planning points for associates

Income Protection

Occupation specific income protection tailored to your individual needs. More >

NHS Pension Advice

Supporting you to make the right decisions and contributions to your NHS pension.

Pension Setup

Where a private pension is beneficial we can set this up for you.

Tax Liabilities

We can help ensure you make the most of your earnings with tax efficiency.

Saving Plans & ISAs

Expert financial advice on the right plans for your circumstances. More >

Mortgages

Being self-employed can make mortgages difficult, we can help. More >

Whole Career Support

We aim to deliver a long-term financial planning service for our associate clients. Our advice is always independent and we offer a highly competitive fee structure. We won’t charge you for individual meetings, phone calls or emails and the advice we offer will always be in your best interests. These principles added to our dental specialism make for a winning combination.

You are advised that because investment values can fall as well as rise, you may not get back the full amount invested. Past performance is not a guide to future performance.

FAQs

Can you support me planning towards practice ownership?

Over the years we have seen many of our clients move from associate jobs to practice ownership. Our guidance here is a great example of how we can provide advice on multiple fronts. Our specialist dental accountancy team are on hand to provide financial projections for a proposed practice purchase and to help you understand different trading structures such as partnership and limited company options.

Our practice valuations team can offer a second opinion on the value of your target practice, to ensure you don’t pay over the odds. We also have an inhouse legal team to advise throughout your practice purchase transaction and best protect your interests.

What type of advice do you offer associates?

Typically, we will advise on dental specific income protection, pension planning and saving.

Why do I need a financial adviser who understands dentistry?

We can help ensure you have an occupation specific income protection policy and have specialist knowledge on areas such as the NHS pension scheme.

Do I need a personal pension?

With the NHS pension age now linked to state retirement age (67) we advise all dentists to have additional pension planning. A personal pension is currently the most tax efficient way to save for retirement.

See what other dentists are saying

Help with first-time buyer mortgage

I had previously struggled to get a mortgage as I had recently become self-employed, but Lyndsey was able to guide me through the process and helped me to secure a mortgage offer. Can't recommend enough.

Seb, Associate Dentist
Bristol
Professional, friendly and efficient!

With Lyndsey’s amazing expertise, I have managed to buy my first home as a self-employed dentist! She really took care of me throughout the process and answered my many questions with great detail. She was easy to reach via phone or email and I’ve already recommended her to my colleagues. PFM in general have been wonderful over the years. Sophie is my accountant and I can’t fault her either!

Emily Carter, Associate Dentist
West Yorkshire
Highly recommended

Throughout the whole process of purchasing a practice PFM have been fantastic. I can’t thank Samantha in sales, Stephen and Caroline in the legal department and Sophie in accounts enough for all their help. I was always kept informed of the progress and they didn’t mind answering the millions of questions I had along the way. They made it as stress free as possible.

Rebecca Kingswood, Dental Practice Owner
Lincolnshire
Help with Mortgage Offer

Lyndsey helped us secure a mortgage for our first home. She was kind, approachable, and attentive and always quick to respond to the many questions we had. It was such a help to have expert advice as we had never been through the process before. Having someone we could trust made it so much easier! Thanks Lyndsey!

Kyna, Family of former practice owner
London
We wouldn’t have bought a house if it wasn’t for PFM Dental

After failing to get a mortgage through conventional financial advisors, due to being self employed and returning to the UK from abroad, we had started looking at rental properties. However, I reached out to PFM on a whim as a last resort. From the first call Lyndsey was confident she could help us. She was quick, efficient and a delight to work with and we are now finally on the property ladder!

Sophie Armstrong, Associate Dentist
Co Down, NI
Domestic Re-mortgage

Lyndsey provided an excellent service from initially sourcing the most appropriate product to liaising with the solicitors throughout the process. All emails and queries were dealt with and answered promptly. I would sincerely recommend the services of Lyndsey and PFM.

Mark Dixon, Associate Dentist
Wirral
Amazing From The Very Beginning!

I met Jon on a financial advice talk for dentists five years ago. At the time I was looking to move my accounts to a specialist dental finance and accountancy company and I have to say that the service has been amazing from the very beginning. They have covered all aspects of any financial doubts I have experienced – both personally and professionally. The team is very stable, quick and efficient!

Bea Sanchez, Associate Dentist
Beeston
Supportive Approach

“PFM took the stress away from me having to approach individual banks to obtain finance and were able to arrange the necessary insurance which was one less thing to worry about.”

Ciaran Burke, Dental Practice Owner
Stockport

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