Dentists Who Invest Podcast

Dr. James Martin
  • 5.0 (2)
  • Medicine
  • Updated Weekly

Official Podcast of the Dentists Who Invest platform. Talking all things investing, money and finance with a dental spin. Have you ever wondered how you can grow your wealth and protect your hard earned money as a Dentist? We've got you covered. Featuring famous guests such as Andrew Craig, Edward Zuckerberg and Benyamin Ahmed we delve deep into EVERY aspect of finance to educate and empower ALL Dentists.

  1. Why You've Been Treating Sensitivity Wrong with S3 Sensitivity [CPD Available]

    4d ago

    Why You've Been Treating Sensitivity Wrong with S3 Sensitivity [CPD Available]

    Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at https://www.wearfigs.com/ ——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— Sensitive teeth can be oddly demoralising. You can do “everything right” and still wince at cold water, dread a whitening top up, or quietly switch to straws and one sided chewing. We sit down with the team at S3 Sensitivity Science to ask a blunt question: why do so many people still fail to get complete relief from the sensitive toothpaste aisle, and what would a real step change look like?  Ryan Hale (CEO and co-founder) is joined by Mick Cox and Dr David Urquhart, both with deep experience in the sensitivity category, plus formulator Manjade and dental adviser Surina. We unpack the core idea behind S3’s patent pending triple action technology: calm sensitivity with potassium nitrate while also sealing dentine tubules using two forms of hydroxyapatite. The conversation gets properly practical and clinical: why hydroxyapatite is a biomimetic choice for enamel support, how tubule occlusion differs from nerve calming, what happens when oral pH drops after food and drink, and why they chose fluoride at 1450 ppm, an SLS free system, and an RDA designed to clean without being harsh.  We also look at the early evidence shared, including University of Reading lab work using SEM imagery and elemental analysis, plus consumer testing that reports noticeable improvement for many users within seven days. Then we shift into the business and dentistry angle: how dentist recommendation builds trust, why direct to consumer growth matters, and how UK dentists can potentially join as EIS investors and advisory partners, with practice focused perks and a commitment to ongoing research.  ——————————————————————— 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 Fan Mail

    59 min
  2. Here's How to Reduce Your Dental Indemnity Fee with Adam O'Keeffe [CPD Available]

    Jun 29

    Here's How to Reduce Your Dental Indemnity Fee with Adam O'Keeffe [CPD Available]

    Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at https://www.wearfigs.com/ ——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— Your indemnity renewal lands and the number looks bigger than last year, so the obvious question is: are you paying more for the same thing, or paying for protection you can actually rely on? We sit down with Adam O’Keeffe from AllMed Pro Insurance Specialists to translate the confusing bits of dental indemnity into plain English, so UK dentists can make sharper decisions at renewal time. We talk through why renewals peak around July, August and September, why indemnity premiums often rise quickly in the first years after qualification, and how claims trends and claims costs feed into pricing. Then we move past the headline quote and into what really determines value: 24/7 access to dental legal advice, whether you can get claims occurrence cover, and whether your policy has contract certainty with clear terms and conditions and the safety net of the Financial Ombudsman Service. The most important comparison is discretionary cover versus insurance-backed cover, plus the often-misunderstood world of claims-made policies. We explore what happens if a complaint arrives years after treatment, how retirement and runoff cover fit in, and why vicarious liability means a law firm may pursue multiple parties, including the practice. Adam also shares a practical checklist of extras that can matter when things escalate, including contingent cover when switching provider and PR and reputation protection if a story reaches the press. ——————————————————————— 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 Fan Mail

    23 min
  3. Ltd Co Vs Sole Trader In 2026 with Amman Sarkaria [CPD Available]

    Jun 26

    Ltd Co Vs Sole Trader In 2026 with Amman Sarkaria [CPD Available]

    Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at https://www.wearfigs.com/ ——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— The “go limited at £X” advice gets repeated so often that it starts to sound like a law of nature, but for UK dentists it can be a costly shortcut. We sit down with specialist dental accountant Amman to map out what actually changes when you move from sole trader to limited company, and why the best choice depends on how you earn, how you spend, and what you are building towards. We start with the plain-English foundations: a sole trader’s profits flow straight into personal tax, while a limited company pays corporation tax first and then you decide how to pay yourself through a director salary and dividends. That opens up planning around National Insurance, dividend tax, and the timing of withdrawals, plus the idea of retained earnings that can stay inside the company for future plans. We also dig into the admin reality in 2026, including Making Tax Digital and why the “limited equals more paperwork” gap is shifting. Then we get practical. We share three lenses to make the decision: your career path (including NHS versus private work and the NHS pension), your personal situation (outgoings, mortgage plans, partner income, student loan), and your investing goals and risk appetite. Two worked examples show how a younger private associate can benefit from sheltering profits for long-term investing or a practice purchase, while an NHS-heavy dentist close to retirement may be better off staying self-employed. We finish with commonly missed tax-deductible areas, from electric cars and benefit-in-kind to use of home and protection policies, with plenty of caveats on doing things properly. ——————————————————————— 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 Fan Mail

    59 min
  4. How To Make Your Dental Practice Exit Stress-Free with Maja Thompson [CPD Available]

    Jun 22

    How To Make Your Dental Practice Exit Stress-Free with Maja Thompson [CPD Available]

    Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at https://www.wearfigs.com/ ——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— If you think selling a dental practice is just about getting the biggest number, this conversation will challenge that fast. We are joined by Maja Thompson from Henry Schein, who works across practice sales and valuations at scale and has seen the real human cost behind once-in-a-lifetime exits. We talk honestly about the emotional whiplash sellers face, from the long build-up to the moment the deal completes, and the unexpected void that can appear when your identity has been tied to ownership for decades.  We dig into what makes an exit smoother years before you ever go to market: planning purpose, setting realistic expectations, and building a life you actually want after the sale. On the business side, we explore practical drivers of dental practice valuation, including diversifying revenue streams across NHS, private, plan income and more, and reducing how dependent the practice is on the principal’s own clinical output. We also get tactical about measurement: chair utilisation, white space, and why “you master what you measure” is a real edge when you are trying to improve profitability and stability.  Then we demystify dental practice due diligence, including what buyers check, why the timeline can drag on for months, and the hidden deal-breakers that trip sellers up. Property and lease length, building compliance, funding alignment, and the realities of CQC registration transfer all matter, and each can slow completion if you leave it too late. ——————————————————————— 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 Fan Mail

    36 min
  5. What To Consider After Selling Your Dental Practice with Luke Hurley and Anick Sharma [CPD Available]

    Jun 18

    What To Consider After Selling Your Dental Practice with Luke Hurley and Anick Sharma [CPD Available]

    Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at https://www.wearfigs.com/ ——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— The day you sell your dental practice can be the most exciting payday of your career and the most dangerous moment for your finances. We see it all the time: years of hard work crystallise into a lump sum, then the reality hits that the practice income has switched off and inflation is still running. So we sit down with financial planners Luke Hurley and Anik Sharma from Videre Financial Planning to map out what actually matters before, during, and after a dental practice sale in the UK. We talk through how to improve dental practice valuation by reducing owner reliance, tightening systems, and presenting a business that a buyer can run without you. Then we get practical about deal structure: asset vs share sales, deferred payments, and earn-outs, and how each option changes tax and your real “money in your pocket”. The key idea is simple but often missed: know your number. With cash flow modelling, we can work backwards from the lifestyle you want across different retirement phases, include NHS pension and State Pension, and test whether a proposed sale price truly funds financial independence. From there, we tackle what happens the moment the money lands: protecting capital, understanding FSCS limits, when NS&I can make sense, and why a cash management plan for the first 12 to 24 months prevents panic. We also cover behavioural traps like analysis paralysis and market timing, plus how portfolio stress testing across long-term history can guide sensible withdrawal strategies. Finally, we demystify inheritance tax planning, trusts, and when a family investment company might be appropriate, including why acting before the capital event can widen your options. ——————————————————————— 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 Fan Mail

    1 hr
  6. Dental Goodwill Valuations In 2026 with Luke Moore [CPD Available]

    Jun 15

    Dental Goodwill Valuations In 2026 with Luke Moore [CPD Available]

    Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at https://www.wearfigs.com/ ——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members- ——————————————————————— Download your Goodwill Report here: https://dentalelite.co.uk/goodwill-report/ ——————————————————————— Goodwill gets talked about like it’s a casino, but the numbers tell a steadier story, and that’s exactly why we recorded this. We sit down with Luke Moore, co-founder of Dental Elite, to unpack the key takeaways from the Dental Elite Goodwill Report and explain the real forces behind the headline valuation stats. If you’re planning on buying your first dental practice, selling, or simply trying to understand where the UK dental practice market is heading, this conversation gives you a grounded framework to think clearly. We dig into the “goodwill bubble” claim and why a 10 year view of the FMT multiple looks far flatter than the fear-driven narrative suggests, aside from the unusual COVID spike. From there we explore why valuations can still push higher: more confidence around interest rates, a renewed appetite for ownership among younger dentists, and the simple fact that dental practices have stayed resilient while other asset classes have felt shakier. We also talk about the reality behind profitability, including how principal earnings have risen in cash terms, why associate pay has not kept pace, and how practices have used pricing power to navigate inflation, wage costs and overheads. Then we get practical. Luke explains how bank lending for dentists is shifting, with more competitive margins, longer repayment terms and options like repayment holidays, all of which change affordability and buyer behaviour. We also cover the supply squeeze that’s creating faster sales and competitive bidding, plus the changing corporate dentistry landscape as tier one and tier two groups return with sharper deal structures, sometimes offering all cash on completion. Finally, we tackle one of the most surprising signals: NHS practice valuations. With recent NHS dental contract changes such as fluoride applications delivered via skill mix and improved payments for unscheduled care, NHS multiples are rising and groups are paying close attention. ——————————————————————— 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 Fan Mail

    30 min
  7. 5 Ways You Can Tell Your Accountant Is Doing A Good Job with Alliah Hamid [CPD Available]

    Jun 12

    5 Ways You Can Tell Your Accountant Is Doing A Good Job with Alliah Hamid [CPD Available]

    Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at https://www.wearfigs.com/ ——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— Your accountant should not be a once-a-year tax return machine and your fee should not feel like dead money. We sit down with specialist dental accountant Alliah Hamid to get practical about what “good value” actually looks like for UK dentists, from associates doing self-assessment to principals running a growing dental practice. If you have ever wondered whether you are overpaying tax, missing allowable expenses, or simply not getting answers when you need them, this is a clear route map for the conversation you should be having. We unpack the mindset shift from cost to investment, then make a sharp distinction between a compliance accountant and an advisory accountant. Alia explains how advisory support works in real life: understanding your goals, spotting changes in your income, keeping up with HMRC changes like Making Tax Digital (MTD), and helping you stay tax efficient without stepping outside the rules. We also talk through why dental-specific knowledge matters, including common associate costs, travel to non-permanent workplaces, education and study, and when working-from-home claims may apply. Finally, we get blunt about red flags: accountants who hide behind jargon, fail to ask intelligent questions, or stay vague about what is included in their fee. You will leave with a short list of questions to ask your accountant on Monday, plus a clearer idea of what support you should expect as you move from sole trader associate to limited company considerations and ultimately to practice ownership. ——————————————————————— 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 Fan Mail

    24 min
  8. Can I Get A Cheaper Mortgage + Interest Only Mortgages with Sarah Grace [CPD Available]

    Jun 9

    Can I Get A Cheaper Mortgage + Interest Only Mortgages with Sarah Grace [CPD Available]

    Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at https://www.wearfigs.com/ ——————————————————————— UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— Your mortgage rate is not just about the Bank of England base rate and this chat proves why. We sit down with Sarah Grace, a specialist mortgage broker who works closely with UK dentists, to unpack what is happening in the mortgage market as a huge wave of borrowers roll off two-year and five-year fixes. If you are moving from a sub-2% deal to something that starts with a four, you are not alone and you are not imagining the shock.  We get practical on the decision that matters most right now: fixed rate mortgage versus tracker mortgage. Sarah explains why fixed rates can jump even when base rate holds, how swap rates and the money markets feed into lender pricing, and what that means during periods of global uncertainty. We also talk about the fine print that can save you money later, especially early repayment charges, and why a tracker with no ERC can offer flexibility if you want to switch when the mood changes.  For associates and dentists early in their career, we answer a common worry: whether you need two years of accounts to get a mortgage after becoming self-employed. Sarah shares how some lenders can work from three months of pay schedules, how income may be annualised, and how to think about timing when your earnings are still building. Then we go deeper on interest-only mortgages, including equity requirements, lender rules around downsizing as a repayment plan, and alternatives such as using an ISA or an NHS pension tax-free lump sum as the repayment vehicle.   ——————————————————————— 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 Fan Mail

    28 min
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Ratings & Reviews

5
out of 5
2 Ratings

About

Official Podcast of the Dentists Who Invest platform. Talking all things investing, money and finance with a dental spin. Have you ever wondered how you can grow your wealth and protect your hard earned money as a Dentist? We've got you covered. Featuring famous guests such as Andrew Craig, Edward Zuckerberg and Benyamin Ahmed we delve deep into EVERY aspect of finance to educate and empower ALL Dentists.

Information

  • Creator
    Dr. James Martin
  • Years Active
    2020 - 2026
  • Episodes
    438
  • Rating
    Clean
  • Copyright
    © 2026 Dentists Who Invest Podcast
  • Show Website
    Dentists Who Invest Podcast

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