Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/videos/new-nhs-contract-reforms-are-coming-with-mr-johnny-minford

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The landscape of NHS dentistry is shifting once again as the Labour government unveils its vision for contract reform. This thought-provoking conversation with dental accountancy expert Johnny Minford unpacks the substantial changes ahead for dental professionals across the UK.

We delve deep into the new hybrid payment model that combines traditional UDAs with a £70 fee-per-item component for specific treatments – a significant departure from the pure UDA system that has dominated since 2006. Johnny offers expert analysis on how these changes might impact practice finances and clinical decision-making, while raising important questions about whether these incremental modifications will deliver the transformational shift that NHS dentistry desperately needs.

Perhaps most intriguing is our exploration of the "neighbourhood health service" concept, which could fundamentally alter how basic dental care is delivered. As Johnny explains, this approach might improve patient access but risks redirecting routine treatments away from traditional practices, potentially pushing dentists toward becoming de facto specialists rather than family oral healthcare providers. We consider the wider implications for practice business models and patient relationships if this trend continues.

The conversation takes a particularly compelling turn when we examine the government's proposals for increased oversight through structured audits, model associate contracts, and practice handbooks. These developments signal a potential power shift in how dentistry is regulated and practiced, raising legitimate concerns about professional autonomy in an already heavily regulated field. Johnny's insights on the employment status question are especially valuable, as he breaks down the financial mathematics that make employed status potentially damaging for both associates and practice owners.

Despite the challenges ahead, we conclude with reasons for cautious optimism. The current government appears to be engaging more directly with the profession and providing clearer timelines than previous administrations – creating at least some certainty in uncertain times. Whether you're an NHS principal, associate, or private practitioner watching from the sidelines, this episode offers essential context for navigating the changing dental landscape. Share your thoughts on these reforms with us, and don't forget to claim your free verifiable CPD by following the link in the episode description.

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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. Investment figures quot

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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/video/1

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Tired of investing advice that feels like navigating a labyrinth? This episode strips away the unnecessary complexity and reveals a refreshingly straightforward approach to building wealth.

We begin by challenging the conventional wisdom that dictates how most people structure their investments. Instead of starting with a platform and working backward, I outline a powerful framework that places asset selection at the foundation of your investment strategy. This simple reordering—asset, fund, account, then platform—can dramatically accelerate your journey toward financial freedom.

The conversation tackles one of the most profound misunderstandings in personal finance: the difference between risk and volatility. Most investors (and even many advisors) conflate these concepts, leading to portfolios that feel safe but actually jeopardize long-term financial goals. I explain why the supposedly "low-risk" portfolios heavy on bonds and cash might ironically be the riskiest choice for achieving true financial independence.

Throughout the episode, I unpack how your investment timeframe should drive your asset allocation decisions, why passive funds typically outperform their actively managed counterparts, and how to navigate the tradeoffs between tax efficiency and accessibility when choosing investment accounts. I also reveal why platforms advertising "no fees" warrant skepticism and how to identify genuine value in the investment platform landscape.

This episode provides both foundational knowledge for beginners and sophisticated insights for experienced investors. The four-step framework I outline isn't just theory—it's a practical approach that could potentially shave 5-10 years off your timeline to financial freedom. Whether you're just starting your investment journey or looking to optimize an existing portfolio, these principles will help you build wealth with greater confidence and clarity.

Take a moment today to examine your current investment strategy. Does it follow this logical sequence, or could a simple reorganization dramatically improve your outcomes?

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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. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

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Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/

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Collect unlimited free verifiable CPD for UK Dentists here >>> https://www.dentistswhoinvest.com/video/1

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The dreaded dental indemnity renewal season arrives each August and September, bringing with it significant financial demands on dental professionals. With premiums continuing to rise, finding the best coverage at the most reasonable price has never been more important.

Adam O'Keefe from Allmed Pro Insurance Specialists joins us to cut through the complexity of dental indemnity, revealing what you should be looking for beyond just the price tag. We explore the critical differences between discretionary and contractual coverage – a distinction that could mean the difference between being protected or left financially exposed when facing a claim. Adam brilliantly illustrates this with a simple question: "Would you insure your house for fire and then wait till you've had the fire to find out whether you're covered?"

The conversation delves into why newly qualified dentists face steep premium increases in their early years, how claims trends are affecting the entire profession, and what protection you need after retirement. Most importantly, we uncover the additional benefits that separate exceptional providers from basic ones – from 24/7 legal advice and GP services to reputation management and PR support during crises. These extras can prove invaluable during challenging periods of your career.

Whether you're a newly qualified dentist navigating indemnity for the first time or an experienced practitioner looking to ensure you're getting the best value, this episode provides the knowledge you need to make informed decisions. Listen now, then complete our short questionnaire to receive free verifiable CPD – contributing valuable hours to your current learning cycle while potentially saving thousands on one of your practice's biggest annual expenses.

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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. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

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