Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

———————————————————————
Your hands, your back, your focus—your livelihood depends on them. When a sudden injury or diagnosis collides with long NHS waits, the real cost isn’t only medical fees; it’s months of lost earnings and momentum. We sit down with insurance expert Warren to break down how private medical insurance helps dentists move from symptom to specialist to treatment in weeks, not seasons, and why that speed can protect both your health and your career.

We start with the essentials: what private medical insurance covers and how it differs from relying solely on the NHS. From consultant appointments and diagnostics to hospital stays and surgery, we explain what “core cover” buys you and where optional add‑ons like unlimited outpatient diagnostics, therapies, and mental health support can transform the experience. We also dig into the postcode lottery for advanced cancer drugs, showing how access through private pathways can be decisive when time and options matter most.

Money questions take centre stage. We compare self-funding with real numbers—£3,000 scans and five‑figure surgeries—against the predictability of premiums. You’ll learn why pairing PMI with income protection can be a powerful combo: one safeguards cash flow, the other shortens your recovery timeline. We cover tax treatment for personal and company‑paid policies, and share practical cost controls, including setting a sensible excess that cuts premiums and choosing physiotherapy networks that don’t push up renewals. For dentists facing musculoskeletal strain, stress, or the risk of burnout, these details add up to better outcomes and fewer unpleasant surprises.

———————————————————————
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

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

———————————————————————
Feeling profitable but strangely broke? We dig into the hidden gap between production and collection that trips up so many UK dentists, then show how to fix it with clean bookkeeping, correct revenue recognition, and a simple 13-week cash forecast. You’ll hear why tax hits in late December and January drain liquidity, how deposits can inflate reported profit and accelerate tax, and what it takes to line up costs with completed treatment so your numbers tell the truth.

Together we reframe the whole picture: profit is teeth, cash flow is gums, and both must be healthy. We break down common accounting mistakes in Xero and QuickBooks, explain when revenue should be recognised, and map out a weekly process to track net cash collected versus total outflows, including assets and loan payments. You’ll learn to ringfence working capital for the next 90 days, set aside tax with confidence, and identify genuine excess cash you can deploy into growth without fear.

We also tackle mindset and habit. When the bank balance is high, owners overspend; when it’s low, panic kicks in. Data replaces emotion. With a living forecast, you can choose the right lane for your practice, avoid nasty surprises, and time investments like scanners, marketing, or training to match your cash runway. If you’ve ever asked “Why do I feel broke when my accounts show profit?”, this conversation gives you the clarity, language, and tools to change it.

———————————————————————
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

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

———————————————————————
What if the fastest way to grow a dental practice is not a new scanner, but a new agreement? We sit down with Lisa, a former dental nurse who became a practice stakeholder, to unpack how equity, trust, and smart systems turn a busy clinic into a resilient, two-site business that serves patients better and performs stronger.

Lisa shares the early lessons she took from running operations in a GP super centre: finance visibility, team training, and the simple truth that people remember how you make them feel. Those foundations shaped a strategy that moved a three-person team into a private-led model with an NHS arm ring-fenced in a nearby site for stability and optionality. We talk openly about when equity for a practice manager makes sense, why it should be a cherry not a carrot, and how small ownership stakes can unlock the discretionary effort owners quietly hope for but rarely earn.

We dive deep on incentives that work—like sharing a slice of verified stock savings—and why owners who cling to cash starve growth. The numbers matter: monthly KPIs, white space costs, staffing ratios, and fee calibration can add six figures without longer clinical hours. And then there’s the biggest lever of all: communication. Lisa breaks down the ten-second phrases that de-escalate complaints, the reception scripts that convert more enquiries into appropriate appointments, and how AI call reviews help front-of-house master tone, empathy, and listening.

If you’re an owner or manager who wants fuller diaries, fewer fire drills, and a team that thinks like partners, this conversation hands you the blueprint: align incentives, measure what matters, and coach the words that win trust. Subscribe, share this with your practice lead, and leave a review telling us one change you’ll make this week.

———————————————————————
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

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

———————————————————————
The rules of dental practice value are changing, and we’re pulling back the curtain on what matters now. After a decade of corporate consolidation and a pandemic‑fuelled private boom, the market has cooled to a healthier balance: fewer bidding frenzies, more scrutiny on profit, and a meaningful opening for independent buyers who know their numbers. We’re joined by Oliver Snowden, an ex‑corporate M&A director now co‑leading a bespoke brokerage, to decode how associate‑led EBITDA works, when to use principal‑led assumptions instead, and why multiples peaked in 2022 before settling into a more sustainable range.

We walk through the levers that move price: sustainable profit margins, lease quality, lender sentiment, and the real impact of interest rates. Oliver shares candid benchmarks—why 17 to 22 percent is the sweet spot for associate‑led margins—and what buyers expect to see in management accounts and compliance files before they take a deal seriously. If you’re planning to sell, you’ll hear exactly how to prepare: engage a dental specialist accountant and solicitor early, build a complete due diligence pack, and get ahead of landlord consents that can quietly add months. If you’re buying, learn to compare valuations under both models, challenge costs that don’t scale, and test whether the business stacks up without the current owner’s clinical time.

We also dig into marketing spend, where many practices now invest three to five percent of turnover without clear measurement. The buyers who win ask simple questions: what’s the cost per enquiry, how many convert, and which channels actually generate profitable cases? A solid CRM, a disciplined recall and reactivation plan, and a habit of recording “How did you hear about us?” can move growth from guesswork to proof—and that proof supports value.

Whether you’re eyeing an exit in 2026 or gearing up to acquire your first site, this conversation gives you a grounded playbook for price, process, and performance. Enjoy the episode, then subscribe, share with a colleague, and leave a quick review to tell us what topic you want next.

———————————————————————
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

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

———————————————————————
Ownership is back on the table—and not just for the fearless few. We sit down with finance specialist Ray Cox to unpack why more UK dentists are walking away from corporates and building practices that reflect their values. From cultural tailwinds to smarter lending, the ground has shifted in favour of clinicians who want control, flexibility, and long-term upside.

We compare squats and acquisitions with clear-eyed criteria lenders use today: headroom for growth, realistic demand, and operational discipline. You’ll hear why a well-planned squat can be less risky than an overpriced acquisition, how healthcare specialist teams at banks now evaluate dental cash flows, and what makes a business plan bank-ready. We also tackle refinancing—how owners who launched five to seven years ago are securing better terms, freeing cash, and leveraging equity to open a second site.

Beyond finance, we dig into the strategic moves that build resilient private practices. The frenzy for align-bleach-bond is fading as new owners double down on family dentistry, prevention, strong recall systems, and measured expansion into specialisms like implants. The NHS vs private decision is decisive among younger owners in England, with membership plans increasingly used to stabilise income without sacrificing clinical freedom. Add in interest rate dynamics and inflationary headwinds, and you’ve got a candid field guide to starting or scaling a modern dental practice.

If you’re weighing buy versus squat, plotting a refinance, or designing a patient-first model with durable cash flow, this conversation will help you move with confidence. Subscribe, share with a colleague who’s ownership-curious, and leave a review with your biggest takeaway—what’s your next step toward running your own practice?

———————————————————————
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

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

———————————————————————
Mortgages feel hardest when your income looks messy on paper. We take that challenge head on, showing dentists how to turn multiple income streams, UDAs, contracts, and retained profits into a clean story an underwriter can trust. With specialist broker insight, we break down what evidence matters, how to present it, and why the right lender policy can unlock far more borrowing power than salary and dividends alone suggest.

We start with sole traders and locums: what SA302s, contracts, and invoice trails prove, how lenders assess affordability, and when less than a full year’s history can still work. Then we move into limited company life, where many associates withdraw minimal income for tax efficiency. We explain which lenders consider net profit plus salary, when retained profits support future dividends, and how to map partnership shareholdings to real entitlement. The takeaway is simple: there’s no dentist-only mortgage; there’s a smarter way to package dental income for mainstream products at competitive rates.

We also tackle the questions everyone asks: does “complex” income mean higher interest? Not inherently. Pricing depends on product and policy fit, not your job title. Need a strategy on timing? If your fix ends within six months, secure a rate now to hedge against moves and switch if prices fall. With the market jittery and budgets looming, clarity and preparation beat guesswork. Gather your SA302s, company accounts, contracts, and UDA evidence, and let an expert frame your case so lenders see stability, longevity, and a safe investment.

———————————————————————
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

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

———————————————————————
Cash flow can look fine on a spreadsheet and still fail you on payday. We unpack a clear, practical playbook for UK dentists to stay liquid when insurers delay payments, tax deadlines cluster, marketing needs ramp up, or a critical scanner dies at the worst time. With finance expert support, we explore fast, purpose‑built funding that keeps teams paid, treatments running, and growth plans alive without remortgaging the practice.

We walk through short‑term working capital that lands within days, fixed‑term loans that turn chaos into a known monthly line, and specialised facilities for self‑assessment, VAT, and corporation tax. You’ll hear why predictable repayments over 12 to 72 months can protect decision‑making, how to map term length to the problem you’re solving, and where unsecured options or a personal guarantee make sense. We also dig into marketing finance for Google Ads, SEO, and Instagram campaigns, showing how a planned budget and realistic patient value can turn borrowed pounds into full chairs and stronger long‑term revenue.

When shocks hit, speed matters. We outline funding routes for staffing gaps, agency cover, equipment breakdowns, and urgent replacements, plus merchant cash advances that flex with PDQ/card takings. The theme is discipline over drama: maintain a small contingency, keep documents ready, choose lenders who know dental cash cycles, and borrow to a clear purpose with measurable outcomes. Liquidity is a strategy, not a wish, and the right mix of tools helps you protect service quality while you scale on your terms.

———————————————————————
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

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

———————————————————————
Patients can only choose you if they can find you. We unpack a clear, dentist‑friendly roadmap to winning local search, focusing on what actually leads to enquiries: fast sites, map visibility, reviews that earn trust, and content written in the language patients use.

We start by stress‑testing whether SEO is even the right move for your practice. Location matters more than most realise, and Google’s red city boundary in Maps can define your odds of ranking. We compare low‑competition areas, where you might already rank without ongoing SEO, against crowded city centres where a strategic plan and patience are essential. From there, we reinforce the foundations: a fast, mobile‑first website with dedicated treatment pages, frictionless booking, and copy that answers costs, pain, and timing. If the basics are shaky, every other tactic leaks value.

Then we break SEO into four practical pillars. Technical SEO sets speed and structure. On‑page SEO matches real local queries like emergency dentist Nottingham and clear aligners to tightly written pages. Off‑page SEO builds authority with relevant backlinks, consistent citations, and supportive channels like YouTube that link back and lift credibility. Local SEO ties it together: an optimised Google Business Profile with accurate data, posts, photos, and a steady cadence of reviews with thoughtful replies that include natural keywords. We also tackle myths around AI. People still find local clinicians via Google and Maps, and strong organic signals feed AI results rather than fight them.

———————————————————————
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