Dentists Who Invest Podcast

Hosted by Dr. James Martin

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Episodes

432

Latest episode

Jun 2026

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EN-GB

About the show

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.

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60 recent

June 15, 2026Episode 46629 min

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

June 12, 2026Episode 46523 min

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

June 9, 2026Episode 46427 min

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

June 4, 2026Episode 46340 min

What Big Companies Do To Ensure Profitability with Ravinder Nottra [CPD Available]

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.Shop now at https://www.wearfigs.com/———————————————————————Download your workbook for this episode here: https://sigma-smile.com/#workbook______________________________________________UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————A dental practice can look busy, feel exhausting, and still be quietly losing tens of thousands in revenue. We sit down with Ravinder Nottra, a profitability coach for dentists, to unpack how Lean and Six Sigma can turn the daily chaos of overruns, long waits, and inconsistent workflows into something you can actually see, measure, and improve.We start with a familiar pain point: the “30-minute wait”. Rav shows how delays are rarely caused by one big mistake, but by a cascade of small defects that stack up, then links that operational drag to the numbers that matter: no-shows, overheads, and how small percentage wins can translate into meaningful profit. From there we dig into Lean thinking, mapping the patient journey to strip out waste, and Six Sigma, reducing variation so your diary becomes predictable rather than hopeful.You will hear practical examples from McDonald’s consistency, Formula 1 pit stops and SMED, plus surprising bottleneck lessons from the NHS and Heathrow that apply directly to reception, chair time, and pre-appointment communication. Rav also shares three tools you can use immediately: the Five Whys, Pareto thinking, and tight standard operating procedures that protect quality and boost practice valuation by making performance repeatable.———————————————————————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

June 1, 2026Episode 46231 min

Here's How To Design A Portfolio That Beats 99.5% Of Other Investors with Dr James Martin [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———————————————————————Most investing mistakes are not dramatic blow-ups, they are quiet, expensive decisions made in the wrong order. We keep it simple and practical by using a four-part framework you can apply to any portfolio: choose your asset first, then the fund, then the account, and only then the platform. That one change stops you picking a shiny investing app and shoehorning your plan into whatever it happens to sell, and it puts the focus back on what actually drives results: asset allocation and time horizon.We dig into the part almost everyone gets wrong: confusing risk with volatility. Volatility is the price of admission for long-term returns, especially if you are investing for 10+ years. We also pull inflation into the conversation, because returns that fail to beat inflation are not real progress towards financial freedom. Using clear examples, we explore why some “low risk” portfolios can be risky in a different way, by making it harder to reach your goals.From there we move into the nuts and bolts: using funds, ETFs and index funds for global diversification, what to look for in tracking and fund charges, and why passive investing often wins after fees. We then weigh up UK investing accounts such as a General Investment Account, an ISA, and a pension or SIPP, focusing on the trade-off between tax efficiency and access. Finally, we talk platforms, the reality behind “no fee” claims, flat fee versus percentage pricing, and the fee ranges that should make you pause.———————————————————————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

May 28, 2026Episode 46120 min

Practice Finance Bulletin: Interest Rates Hike?? with Kevin Saunders [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———————————————————————Interest rates are supposed to be boring, but they can decide whether your practice feels effortless or constantly tight on cash. We sit down with finance specialist Kevin Saunders to make sense of the latest Bank of England base rate picture, why inflation still matters, and why some economists are now talking about rate rises again rather than cuts. If you are a UK dentist with a loan on a variable rate, or you have borrowing you have not looked at in years, this is your nudge to stop running on autopilot. We get practical about refinancing for dentists: who should consider a review (especially borrowing taken out between 2008 and 2020), how practice valuations can unlock better terms as your business matures, and why stacked short-term equipment finance can quietly drain your monthly cash flow. We also talk through the real-world friction costs people forget, like valuation fees, legal fees, and early repayment charges, so you can judge whether switching is genuinely worth it. Kevin shares how newer lending products and longer terms, including 20-year goodwill loans, can reduce repayments even if the interest rate is slightly higher. The goal is simple: improve cash flow and direct the surplus into building personal wealth, including paying down your residential mortgage where there is no tax relief on interest. We finish with straight talk for first-time buyers: waiting for the “perfect” rate can mean missing the perfect 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 Fan Mail

May 25, 2026Episode 46044 min

The Importance Of Personal Brand For Dentists with Rahil Kumar [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———————————————————————Patients do not have a checklist for your clinical skill, but they do have a radar for trust. We sit down with marketing specialist Rahil Kumar from MiSmile Media and dentist and speaker Dr Dan Shaffer to get brutally practical about personal brand for dentists in the UK, and why it changes everything from your diary to your pricing power. If you have ever thought “posting won’t really make a difference”, we challenge that comfort-zone logic and show what being visible actually does for your career. We talk about what a personal brand really is: not a logo, not a claim of being “high quality”, but the sum of every touchpoint patients experience. Dan shares how authenticity and integrity create a USP patients can feel, and why personal stories land when they are true rather than engineered for likes. We also explore the reality that most patients cannot easily judge clinical nuance, so they choose the dentist they trust, the one who communicates clearly and feels consistent online and in the practice. Then we get tactical: which platforms matter, how Instagram and Meta algorithms work, why short-form video wins attention, and what to do if you hate being on camera. We also zoom out to the in-practice details that make or break a premium brand experience, plus a case example where consistent organic social starts bringing patients in without turning on the paid ads tap.———————————————————————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

May 22, 2026Episode 4591 hr 4 min

Making Tax Digital: What Happens Next? with Vanessa Pople and Anita Holmes [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———————————————————————Quarterly tax reporting is coming for self-employed dentists, and the fine print matters more than most people realise. We sit down with Vanessa, a tax partner specialising in the dental sector, and Anita, an MTD Client Services Director, to make Making Tax Digital for Income Tax feel practical rather than intimidating.We talk through what HMRC actually requires: digital records, MTD-compatible software, and quarterly updates submitted one month and seven days after each quarter end. We clarify who is in scope from April 2026, why the £50,000 threshold is gross qualifying income (and why “qualifying” means self-employment and rental income), and how the phased reductions to £30,000 and £20,000 may pull more UK dentists in over time. We also explain the final declaration that replaces the traditional Self Assessment return for the 2026 to 2027 tax year onwards, plus what still gets added at year end.From there, we get tactical. What does a dental associate report when the bank only shows net pay? How do you handle mixed NHS and private income, side income streams, or rental property? We discuss software choices including Xero, Sage and QuickBooks, the pros and cons of bank feeds, why separating business and personal accounts saves stress, and how to avoid messy reconciliations that create problems later. If you want support, we also outline service options from light-touch review to fully managed reporting and quarterly planning.———————————————————————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

May 19, 2026Episode 45851 min

Social Media Marketing For Dentists In 2026 with Rahil Kumar [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 your practice is “booked up for eight weeks”, you might feel successful, but you could also be bleeding high-intent patients who simply will not wait. We sit down with Rahil Kumar from MySmile Media to unpack what organic marketing really means for UK dentists in 2026, and why the basics now decide whether patients choose you or move on within minutes.We talk funnels in plain English: every view, click, and doorstep glance sits at the top, then the journey narrows through enquiry, consultation, and attendance. From there we get specific about the points most practices miss, like lead response time, how to remove friction from booking, and why your website is not a brochure but a growth engine. Rahil shares the practical checklist he uses when auditing dental websites, including mobile-first design, loading speed, clearer calls to action, and writing that patients actually understand.The conversation also turns to the AI shift: people are using ChatGPT for everyday searches, and Google’s AI Overviews are changing how patients consume information. The takeaway is not to abandon SEO, but to treat it as a long-term practice builder that earns trust and visibility over time. We finish with an organic social media plan you can stick to, why three consistent posts a week beats sporadic bursts, how to balance before-and-after content with human stories, and when TikTok is worth your energy compared with mastering Meta first.———————————————————————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

May 14, 2026Episode 45744 min

The Business Of Implants In 2026 with Dr Pav Khaira [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’ve ever wondered why two clinicians can place the “same” dental implant but get wildly different long-term results, this conversation gets to the heart of it. We sit down with Dr Pav Khaira, founder of the Academy of Implant Excellence, to unpack how biomechanics, diagnostics, and patient communication combine to create predictable implant dentistry that is faster, safer, and more profitable per unit time. We talk through the practical decisions that quietly drive success: structured diagnostics that remove uncertainty, sinus lift planning with an honest view of difficulty, and defect classification so regeneration choices are deliberate. Pav explains why biology and even the boring parts like histology matter, because healing happens at a microscopic level whether we acknowledge it or not. Stack enough small “marginal gains” and you reduce complications, post-op issues, and remakes without adding chair time. On the biomechanics side, we get specific about implant axis, horizontal position, depth, connection type, diameter, occlusion, and why vague lab scripts like “screw retained crown please” can store up problems. We also dig into the human side: listening to anxiety, avoiding pushy sales tactics, recommending implants ethically, and building trust strong enough that patients refer friends and family. We finish by linking clinical skill to financial freedom and why IV sedation can be a game-changer for uptake and patient experience.———————————————————————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