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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Is the UK still a global investment powerhouse, or has it fallen behind? In this insightful episode, financial author and fund manager Andrew Craig uncovers the key reasons why the UK economy and stock market have underperformed in recent decades — and why that could be about to change.

UK GDP per capita has remained flat for 30 years, while countries such as Ireland, Singapore and Australia have more than doubled their wealth. Since 2007, the London Stock Exchange has lost half its listed companies, and major firms continue to seek listings abroad. Across the UK, even affluent high streets are struggling, with empty shops and declining footfall.

Yet Andrew reveals a surprising turnaround. Despite the gloom, UK value stocks have begun to outperform the S&P 500. Institutional investors are once again showing strong interest in British equities, driven by valuations that are up to 60 percent lower than their US counterparts. With sentiment shifting, the UK is now viewed as one of the best value markets globally.

We explore why less than five percent of UK adults invest through a stocks and shares ISA, despite historical data showing UK microcaps returned 16.4 percent annually between 1955 and 2021. Andrew outlines a straightforward strategy for building wealth, including the widely endorsed "100 minus your age" asset allocation rule, and explains how financial literacy can uplift not just individuals, but the economy as a whole.

This episode also examines what needs to change in government policy to restore the UK's investment appeal and whether the next bull market could emerge before broader economic recovery takes hold.

If you are a UK investor looking to understand current market dynamics, uncover long-term value opportunities, or improve your personal investment strategy, this episode is essential listening.

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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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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 does it take to build a dental empire in today's competitive landscape? Sandeep Kumar reveals the strategic pivots that transformed his career from a single practitioner to the architect behind a network of 150 dental practices spanning multiple countries.

Qualified as a dentist in India, Kumar's journey began with working as a dental nurse in the UK before requalifying in 2000. Within just three years, he purchased his first practice and dramatically expanded it from one surgery to six. But the real transformation came when he made the courageous decision to step away from clinical dentistry entirely in 2017—a move many dentists fear would collapse their income.

"When you're starting out, there's no such thing called work-life balance," Kumar explains. "You just have to put your hours in and work your ass off. Nobody's going to teach you." This raw honesty about the entrepreneurial journey sets the tone for a conversation filled with practical wisdom rather than sugar-coated theory.

The episode explores the evolution of dental marketing from Yellow Pages to digital strategies, the crucial shift from owner-operator to owner-only business models, and the birth of the MySmile Network—now 150 practices strong and expanding internationally. Kumar shares how finding time to analyze patient data led to the insight that transformed his business: customers were specifically asking for Invisalign by name, revealing an opportunity to build practices entirely around this treatment modality.

For dentists contemplating business growth in 2025, Kumar offers three practical cornerstones: surround yourself with exceptional people, embrace technology to enhance patient understanding, and build your personal profile as patients increasingly research providers before making appointments. His philosophy of "who not how"—finding the right people rather than trying to do everything yourself—emerges as perhaps the most valuable lesson for scaling dental businesses beyond the limitations of your clinical hours.

Whether you're an associate dreaming of practice ownership or an established principal looking to expand, this conversation offers a blueprint for building something extraordinary beyond the dental chair.

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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 your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/dental-practice-market-outlook-2025-with-mr-luke-moore

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Curious about dental practice values in today's market? Wonder what's really happening with corporate buyers and whether NHS practices still command premium prices? The data might surprise you.

Luke Moore, Head of Dental Elite's practice brokerage team, joins us to unpack the revealing findings from their annual dental market report—a comprehensive analysis representing roughly 25% of all UK dental practice transactions. This insider's view of completed sales (not just valuations) delivers eye-opening insights for anyone considering buying or selling a practice.

We dismantle the prevailing "urban myth" that corporates dominate today's acquisition landscape. The reality? Independent dentists purchasing their first, second or third practices remain the primary buyers, while the largest groups have pivoted toward fewer, larger acquisitions with specific strategic focus.

The conversation explores why mixed practices command the highest multiples from independent buyers (averaging 3.87x FMT), while private practices are the "jewels in the crown" for corporate buyers (averaging 7.36x EBITDA). Luke shares fascinating details about regional valuation disparities, with practices in recruitment-challenged areas selling for significantly lower multiples than their urban counterparts.

Perhaps most revealing is the emerging trend of sellers prioritising complete payment at completion over potentially higher valuations with deferred components—a shift Luke attributes partly to mixed post-sale experiences reported by principals who've previously sold to larger groups.

Whether you're a practice owner contemplating your exit strategy, an associate exploring ownership opportunities, or simply interested in the business of dentistry, this data-rich conversation provides crucial context for navigating today's complex dental marketplace.

Earn complimentary verifiable CPD by completing the associated assessment through the link in our show notes.

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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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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 you could travel back in time and share financial wisdom with your younger self? While time travel remains out of reach, education offers a powerful alternative—pulling future knowledge into your present reality.

Having reflected deeply on my own financial journey, I've identified ten crucial money perspectives I wish I'd embraced earlier in life. These aren't just abstract theories but transformative mindset shifts that could dramatically accelerate your wealth creation.

The first revelation might surprise you: the greatest investment risk isn't investing at all. We've normalized spending without hesitation while approaching investing with excessive caution—a backwards approach when you consider that spending guarantees loss while investing at least offers potential returns. Similarly, understanding that "market declines are temporary while advances are permanent" provides crucial context for weathering financial storms. When you zoom out from sensationalized headlines about "crashes," the consistent upward trajectory of quality assets becomes undeniable.

Perhaps most liberating is recognizing money as a human invention—a social construct that allows us to question whether our financial beliefs truly serve us. This applies to how we view sales conversations (potential value exchanges rather than uncomfortable interactions), time-money relationships (building "money trees" for recurring income), and the misleading belief that hard work automatically equals financial success (strategy matters more than hours).

By developing high-leverage skills like business management, coding, and sales, you can create disproportionate returns on your time investment. And remember: your circle largely determines your success, so intentionally seek diverse perspectives from those achieving what you aspire to create.

Ready to transform your financial future? Start by questioning which of these money perspectives might be holding you back. Your future self will thank you.

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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.

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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Wealth often feels like it belongs to a lucky few, but after reading over 50 books on money and success, I discovered the truth. The path to financial freedom is simpler than you think, though it often goes against conventional advice.

Books like Rich Dad, Poor Dad, The Psychology of Money, and many lesser-known gems all point to the same core idea: leverage. Whether through people, money, systems or content, wealthy individuals find ways to get more done with less effort.

We explore MJ DeMarco’s concept of the sidewalk, slow lane and fast lane, showing why so many people stay stuck financially. We also dive into Robert Kiyosaki’s Cashflow Quadrant and practical tools from Who Not How and Traction to help you take real action.

If you want to shift from working harder to building true wealth, this episode lays out the key principles that actually move the needle.

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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.

Send us a text

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

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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/how-to-achieve-the-best-exit-number-for-your-dental-practice-with-luke-hurley-anick-sharma

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Are you holding onto your dental practice longer than needed? The quest for the "highest valuation" might actually be costing you precious years of freedom.

In this illuminating discussion, financial planners Luke Hurley and Anik Sharma reveal the critical distinction between maximizing practice value and achieving your personal financial independence. Through real-world examples and comprehensive cash flow modeling, they demonstrate how dentists can determine their actual "number" – the amount needed to fund their desired lifestyle without financial constraint.

The conversation challenges conventional wisdom about retirement age and practice exit timing. Rather than clinging to arbitrary targets or industry benchmarks, our experts walk through how to reverse-engineer your financial needs, taking into account existing assets, pensions, and investment portfolios. This approach often reveals that many practice owners are already closer to financial freedom than they realize.

Financial planning software vividly illustrates how even modest practice valuations, combined with accumulated wealth in pensions and investments, can provide sustainable income well beyond traditional retirement age. The discussion includes important considerations around sequence risk, tax optimization, and the psychological aspects of transitioning away from practice ownership.

Perhaps most valuable is the exploration of what retirement actually means in today's world. Far from the outdated concept of "being put out to pasture," financial independence offers the freedom to choose how you spend your time – whether that's continuing clinical work on your terms, pursuing new business ventures, dedicating time to family and travel, or exploring entirely new passions like the former solicitor who became a flight instructor.

Ready to discover your number and gain the clarity that comes with knowing exactly when you could sell your practice? Listen now and claim your free verifiable CPD by completing the questionnaire through the link in the 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 quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

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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What does it take to scale from one dental practice to 23 while staying passionate about clinical work? Dr Phil Friel shares how a casual chat in a pub sparked a journey that grew into one of Scotland’s leading dental groups.

Alongside his brother Christopher, Phil focused on acquiring larger, established practices while keeping a family-run ethos that sets them apart from corporates. Their journey began with struggling clinics they renovated themselves, eventually progressing to seven-plus surgery sites.

Phil still works three 12-hour clinical days each week, with the rest spent supporting teams and driving growth. He reveals the systems that made this work, including executive assistance and diary zoning, and how these created a healthier work-life balance.

You’ll also hear about their £4 million investment in equipment across 130 chairs, their patient-first organisational structure, and why supporting over 230 team members motivates their continued expansion.

Whether you’re managing one practice or aiming for more, this episode is packed with real-world insights for building a thriving dental business without sacrificing clinical quality or personal 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. 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

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 your financial reality is shaped more by your beliefs than your bank account? In this powerful episode, money mindset expert Tom Fortes-Mayer explores how deep-rooted thoughts and emotions influence wealth, success, and personal fulfilment.

Tom introduces the idea of “dirty fuel” versus “clean fuel” when it comes to motivation. Many of us drive success from fear, validation, or past pain, which creates resistance. True financial freedom comes from alignment, clarity, and a sense of internal abundance.

He shares striking personal stories like how a childhood belief about a £300 wage subconsciously capped his earnings years later. These experiences reveal how unexamined beliefs can quietly limit our potential until we choose to shift them.

One standout moment is Tom’s “umbrella miracle,” a story that brings together mindset, gratitude, and manifestation in a way that’s both magical and practical. Throughout the episode, you’ll find clear strategies to uncover and transform limiting money beliefs so you can welcome more wealth, time, and opportunity into your life.

If you’re ready to rethink how you create success, this episode offers both inspiration and a practical path forward.

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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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