You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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Dental professionals face a pivotal decision that can drastically affect their financial future: operate as self-employed or through a limited company? The tax landscape has shifted in 2025, making this choice more consequential than ever.

Specialist dental accountant Amman Sarkaria joins us to dissect the fundamental differences between these business structures from the ground up. We examine the legal implications – how self-employed individuals remain personally liable while limited companies offer asset protection through separation between personal and business finances. This distinction extends to taxation, with limited companies allowing strategic combinations of salary and dividends that can lead to substantial savings.

Through a detailed worked example, we reveal how a dental associate earning £130,000 could save approximately £25,000 annually through proper limited company structuring. The numbers speak for themselves – self-employed dentists face combined tax and student loan payments approaching 50% of earnings, while limited companies can significantly reduce this burden.

Beyond basic structure, we explore an arsenal of tax-efficient strategies available to limited company directors. From purchasing electric vehicles (with 100% tax deduction potential) to employing family members, utilizing annual events allowances, implementing trivial benefits, and structuring home office expenses – each represents an opportunity to enhance your financial position. We even delve into advanced planning through holding company structures for those with significant business cash reserves.

The podcast isn't just about tax minimization. We balance potential advantages against important considerations like NHS pension scheme membership, maternity benefits, and IR35 compliance. Making the right choice requires understanding your personal financial goals, cash flow requirements, and long-term plans.

Whether you're starting your dental career or reassessing your existing business structure, this comprehensive breakdown provides the knowledge you need to make informed decisions. Ready to transform your tax efficiency and financial future? Listen now and discover which approach aligns with your professional journey.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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What if retirement isn’t about stopping work—but about stopping the trade-off between stress and future freedom? In this thought-provoking episode, Dr James Martin unpacks the real meaning of early retirement and how dentists can achieve it without sacrificing their wellbeing.

You’ll discover three distinct retirement pathways: radical expense cutting, wealth accumulation, or living with present balance. James explains the three financial life stages—accumulation, pinnacle point, and distribution—and how understanding which phase you’re in shapes your entire strategy.

The stats are eye-opening: a £10,000 investment returning 10% annually could grow to £450,000 over 40 years, compared to just £130,000 at 6%. But beyond the numbers, many dentists are already at their pinnacle point—the moment they could choose to slow down—yet continue working full-tilt due to lack of clarity.

This episode is your chance to step back, assess your journey, and begin building financial freedom on your terms.

Listen now to redefine retirement—and decide how you really want to live.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

Send us a text

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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Tired of six-day weeks in the clinic but still want to build wealth and freedom? In this powerful episode, Dr James Martin shares a strategy that’s helping dentists work fewer hours without compromising financial success.

The key isn’t resenting dentistry—it’s about creating financial stability while reclaiming your time. Drawing on Robert Kiyosaki’s Cash Flow Quadrant, James explains how most dentists sit in the “self-employed” space, trading time for money. The long-term goal? Move across the quadrant to become an owner or investor, where assets generate income for you.

Before diving into property or stock strategies, James highlights the most overlooked first step: maximise your clinical efficiency and income. Upskilling, better communication, and effective treatment planning can dramatically increase your earnings per hour—giving you the capital to invest and scale back your clinical hours over time.

Whether you’re a new graduate or approaching retirement, this episode lays out the mindset and strategy behind doing less dentistry while securing long-term wealth.

Ready to start building a life beyond the chair? Listen now and discover what one small shift could set you on the path to financial freedom.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

Send us a text