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

———————————————————————
Looking to boost your dental practice's cash flow without increasing revenue? The secret might lie in restructuring your existing debt.

Finance expert Dan Fearon reveals the power of blended loans - an increasingly popular but still under-utilized financial tool that's helping practice owners dramatically reduce their monthly outgoings. While traditional practice financing typically separates goodwill and property loans, blended facilities combine multiple debts into a single, longer-term repayment structure.

The cash flow impact can be transformative. Dan shares a striking real-world example where one practice owner slashed their monthly repayments from £20,000 to just £7,000 through strategic debt restructuring. Though extending loan terms means paying more interest over time, the immediate financial flexibility allows practices to pursue growth opportunities that might otherwise remain out of reach.

Beyond blended loans, we explore the evolving dental finance landscape, including innovative products like partial amortizing loans with interest rates starting from just 1%, extended terms for leasehold premises, and new market entrants offering up to 90% loan-to-value. With lenders actively competing for dental business, practice owners have more negotiating power than ever before.

We're also excited to announce our new free verifiable CPD offering for UK dentists. Simply listen to the episode, click the link in our description, complete a short questionnaire, and we'll email your certificate directly. Your podcast listening can now contribute toward your required CPD hours!

Have you considered restructuring your practice debt? What would you do with an extra £13,000 in monthly cash flow? Let us know in the reviews, and don't forget to subscribe for more financial insights that can transform your dental business.

———————————————————————
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.

Send us a text

If you’d like to discuss your finances with a professional, you can connect with Luke here: https://www.viderefinancial.com/contact

———————————————————————
Get your free verifiable CPD for this episode here >>>

———————————————————————

Unravelling the complexities of the NHS pension scheme can feel like navigating a labyrinth, but financial planning expert Luke Hurley breaks it down with crystal-clear explanations that will transform your understanding.

Luke begins by framing the NHS pension within the broader context of financial independence – that pivotal moment when work becomes a choice rather than a necessity. While the average UK household might target around £60,000 annually for a "comfortable" retirement, Luke emphasizes that everyone's number is different, and knowing your personal target is essential for effective planning.

Through an illuminating case study, we see exactly how the NHS pension fits into a comprehensive financial plan, providing that crucial stream of guaranteed, inflation-protected income that forms the bedrock of retirement security. But the podcast quickly dispels common misconceptions: your NHS pension is not a pot of money you're building up – it's a promised future income from the government. Those contributions you make? They're essentially membership fees, not investments growing in an account with your name on it.

The most valuable insights come when Luke explains how your pension actually grows (through earnings and annual revaluation), the differences between the three pension sections (1995, 2008, and 2015), and the advantages and limitations of the scheme. Particularly eye-opening is the discussion of how reforms have progressively pushed back normal retirement ages and reduced spouse/partner benefits – critical knowledge for anyone making long-term plans.

Whether you're just starting your NHS career or approaching retirement, this episode delivers practical wisdom that will help you make informed decisions about your financial future. And as a bonus, UK dentists can earn free verifiable CPD by completing a simple questionnaire after listening – making this not just an educational experience, but a professionally valuable one too.

———————————————————————
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.

Send us a text

Need to review your Income Protection?
Connect with Warren here: https://www.dentistswhoinvest.com/income-protection

———————————————————————
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/what-cover-do-i-need-to-protect-me-and-when-with-warren-robins

———————————————————————
Your dental career is a major investment—are you fully protecting it? In this episode, insurance specialist Warren Robins explains the essential income protection, life insurance, and business cover dentists need at every stage of their journey.

Learn why securing income protection insurance early can lock in lower premiums, why standard mortgage cover often isn’t enough for high earners, and how Family Income Benefit can offer smarter protection for your loved ones. For practice owners, Warren shares crucial insights into executive income protection, key person cover, and why private medical insurance is vital in today’s overstretched NHS system.

We also dive into inheritance tax planning strategies for dentists nearing retirement, ensuring your legacy is as secure as your practice.

Listen now and claim your free CPD certificate by completing the quick questionnaire.

———————————————————————
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 p

Send us a text