Wealth management that’s just for dentists

 
 

You’ll be better off with our specialist advisers.

Independent advice from a chartered financial planner

As proud as we are of our chartered financial planner status, we know it might not mean much to you.

In fact, it’s our industry’s gold standard for quality and integrity. No other financial planning firm offering advice exclusively for dentists has this badge of excellence.

Chartered Financial Planners

We take your money seriously

The way your career in dentistry is structured means you’ll rub up against challenges and opportunities unique to our sector.

At PFM, we’ve been giving financial advice to dentists since 1990, so we understand how to make the most of your money - from your early days right through to a long and fulfilling retirement.

Money is the means to achieving your aspirations. You can rely on us for straight-talking, independent advice throughout your career - and beyond.

Investment portfolio advice

When it comes to your money, we take a holistic approach. We’ve invested heavily in processes and people because we want to create and monitor the investment portfolio that works best for you.

Multiple ‘tax wrappers’ such as ISAs, unit trusts, OEICs and international bonds make sure your income and growth are as tax efficient as possible. And once we’ve assembled your portfolio, it won’t just sit there: our regular review process keeps it on its toes whatever’s happening in the wider economy. Investments can fall as well as rise so we encourage regular dialogue to ensure your strategy remains appropriate.

SIPP and income drawdown

Everyone wants a great retirement, with a comfortable income - and that’s why monitoring your pension investments now is vital.

We’re experts in advising on self-invested personal pensions (SIPPs) and how best to look after your money in retirement. We specialise in consolidating non-SIPP pensions too.

If you’ve accumulated personal pensions and need to take income or tax-free cash, picking the right option could make a huge difference. We understand the rules and regulations - specifically as they apply to dentists - and we’re here to guide you through them and help you make the smartest decisions for your future.

Lifetime and Annual Pension allowances

HMRC legislation is a minefield when it comes to NHS and personal pensions. Various protections are available to avoid a tax charge but these are often underused or misunderstood, especially if your adviser isn’t a specialist.

We understand the complex valuation process for NHS pensions and we’ll always give you top quality technical advice, with regular reviews.

PFM Dental has always given me comprehensive and highly professional advice. Jon Drysdale has handled my investment portfolio for several years now and he’s extremely knowledgeable, particularly in relation to the NHS pension scheme and the impact of the new lifetime allowances on pension planning.

— Kenny Combes, practice owner, Scotland

NHS Pensions

Whether pension time is looming or you’re in the early stages of your career, you may benefit from a pension review.

If you’re thinking of using ‘24 hour retirement’, it’s important to get specialist advice, especially if an NHS contract is involved.

And for younger dentists, come and talk to us about additional pension contributions, now the NHS pension age is linked to stage retirement age.

We know our way round each of the three NHS pension schemes, which have their own benefits and features. Let’s have a chat, to make sure you make the most of yours.

Accumulating wealth

Early in your career, it’s all too easy to ignore financial planning.

But in fact it’s the ideal time to talk about making additional pension contributions and working out a Plan B to combat the ever-increasing NHS pension retirement age.

And there’s another priority too: arranging adequate and dental-specific income protection. We only work with dentists, so we’re best placed to help you find the best cover.

Inheritance tax mitigation

Death and taxes may be inevitable but there’s a lot you can do to reduce the burden of inheritance tax.

Everyone’s different and with several options available, it’s important to get specialist advice before making plans and drawing up a will.

Need advice?

We’re on hand to help

Event

PFM Dental presents

Selling your dental practice seminar, Leeds

£50 /ticket

Friday 26 October, 9:30am – 4pm

Event

PFM Dental presents

Buying a dental practice seminar

Leeds

Thu 25 October 6–9pm

Meet our wealth management senior team

  • John Fearn

    Director & wealth manager
    01904 670820 Read my profile

    John Fearn

    Director & wealth manager
    01904 670820

    Hugely experienced in financial planning, PFM Dental group managing director John is one of the independent financial advisers in our wealth management team. He holds the diploma in financial planning (Dip PFS) and looks after compliance for the group.

  • David Leaf

    Director & wealth manager
    01904 670820 Read my profile

    David Leaf

    Director & wealth manager
    01904 670820

    Founding director David Leaf is an independent financial adviser in our wealth management team. David’s long experience in the industry is reflected in the fact that he holds Associateship of the Chartered Insurance Institute, as well as the Advanced Diploma in Financial Planning (ACII, APFS).

  • Jon Drysdale

    Director & wealth manager
    01904 670820 Read my profile

    Jon Drysdale

    Director & wealth manager
    01904 670820

    Resident financial expert for several dental magazines, Jon is particularly familiar to lots of newly-qualified dentists, thanks to his regular speaking gigs for postgrad dental groups across the UK.

    Jon is a director of PFM Dental and his day to day job is as an independent financial adviser in our wealth management team. His qualifications include the diploma in financial planning (Dip PFS).

  • Rebecca Rose

    Paraplanner
    01904 670820

    As an assistant paraplanner, Rebecca helps to prepare financial plans and reports for our wealth management clients. We review all our clients’ investments regularly and Rebecca plays a key role in co-ordinating this programme.

    She supports financial adviser Jon Drysdale and holds the financial service industry’s Certificate in Financial Planning (Cert PFS), while working towards the Diploma in Financial Planning (Dip PFS).

  • Ruth Lippiatt

    Operations manager
    01904 670820

    Ruth is operations manager for the PFM Dental group, with responsibility for financial reporting, personnel management and liaison with regulatory bodies such as the Financial Conduct Authority. Ruth sits on PFM Dental’s Investment Committee and holds the Diploma in Financial Planning (Dip PFS).

  • Melisa Broadbent

    Administrator
    01904 670820

    Melisa supports our wealth management team - and Natalie Seenan in particular.

    She helps to prepare financial plans and reports for our wealth management clients. Melisa also plays a key role in co-ordinating our programme of regularly reviewing client investments.

We’re accredited

We pride ourselves on providing top notch professional services to our clients. We’re proud to tell you why we belong to these professional bodies.

  • Chartered status is our industry’s gold standard for quality and integrity. No other financial planning firm offering advice exclusively for dentists has this badge of excellence.

  • Only recognised dental specialists can join The Association of Specialist Providers to Dentists. As members we’re guaranteed to understand dentists’ particular needs, problems and opportunities.

  • The National Association of Commercial Finance Brokers (NACFB) is the national trade body for brokers who arrange finance for businesses. NACFB promotes the highest industry and regulatory standards.

  • The Institute of Chartered Accountants in England and Wales (ICAEW) believes accountancy is a force for positive economic change and works to promote trust in business. Membership means we’ve passed a premium qualification and have access to its world-leading resources.

  • Lexcel is the Law Society’s quality mark for practice management and client care. It’s a voluntary standard that we’ve signed up to. The mark means we meet their high standards, giving you peace of mind.