Dentists Who Invest Podcast

Hosted by Dr. James Martin

Business Entrepreneurship Investing Health FitnessInterviews guests

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Episodes

460

Latest episode

Oct 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

October 19, 2026Episode 49631 min

Why It's Likely You're Overpaying On Your Mortgage with Daniel Marks [CPD Available]

UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— Mortgages are supposed to be boring. Instead, they’re one of the easiest places for UK dentists to lose money, waste time, or delay a big life move because of bad assumptions. We sit down with independent mortgage broker Daniel Marks to make the mortgage journey simple, clear, and dentist-specific, whether you’re buying your first home, moving up the ladder, considering a buy-to-let, or staring down a remortgage deadline. We get practical about what lenders actually look for when your career path goes from foundation training to self-employed associate work. Daniel explains why the “you need two years of accounts” advice is often wrong for dentists, how some lenders can work from just three months’ pay schedules, and what changes once your first self-assessment is filed. We also unpack the reality behind low deposit lending, including 95% and 99% loan-to-value products and the conditions around 0% deposit mortgages, plus the real risk of negative equity and why underwriting gets tighter at the top end. If you’re moving home, we talk through the planning that saves you thousands: checking for a porting clause, understanding early repayment charges, and thinking smartly about stamp duty and cashflow. For anyone approaching renewal, we share a simple remortgage rule that protects you when rates move: mark six months before your product end date, secure an offer, then keep reviewing. We also cover product transfers vs switching lenders, and when tracker rates or interest-only thinking can fit a disciplined long-term plan. ——————————————————————— 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

October 16, 2026Episode 49522 min

Do You Really Want To Retire Early? with Luke Hurley [CPD Available]

UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— Retirement talk usually starts with pensions, drawdown, and the NHS scheme, but the real risk often shows up on a quiet Monday morning. You retire on Friday, and by 10am the next week there are no appointments, no inbox, and nobody “needs” you in the way they used to. That can feel like relief, or it can trigger a flicker of panic, and it has surprisingly little to do with how much money you have. We sit down with financial planner Luke Hurley to unpack why retirement success is not directly correlated with wealth, and why dentists can struggle even after doing everything “right”. Luke explains the hidden pay cheque work provides: identity, routine, mental stimulation, effortless social contact, status, and purpose. When that disappears, retirement can feel like a loss, so we talk about how to replace it with intention, not guesswork. We also tackle the biggest misconceptions: retirement is rarely a single event, you might not get to choose the exact timing, and couples often have different visions of what a good life looks like. We explore phased retirement, second careers, volunteering, and building a social portfolio before you leave practice life behind. Along the way we address saver’s paralysis, the shift from accumulation to decumulation, and how to give yourself permission to enjoy life now while still building financial independence. ——————————————————————— 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

October 9, 2026Episode 4941 hr 4 min

AI in the Dental Practice: What’s Worth Using Now with Samantha Stone and Dr. Zahir Kaderbhai [CPD Available]

UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— Your dental practice is probably not short on software, it is short on connected software. When your PMS, X rays, CBCT, HR tools, compliance systems, dental CRM, call tracking, and reporting all live in different places, you pay twice: once in subscriptions and again in duplicated admin, missed follow ups, and a team that spends too much time switching tabs instead of caring for patients. We sit down with Samantha Stone and Dr. Zahir Kaderbhai to unpack what a modern dental practice operating system can look like when it is built for today’s digital dentistry workflows. We talk about the shift from reactive “systems of record” to proactive platforms that flag what matters, automate routine tasks, and turn reporting into clear actions. Think dashboards that highlight diary utilisation issues, treatment conversions that stall, or patients who have not progressed after consults, without someone spending hours pulling reports and building spreadsheets. We also get specific about AI in dentistry: why “AI native” software matters, what you can realistically delegate right now, and where the human touch still wins. You will hear practical examples like lab work tracking that helps fill diary gaps safely, app based patient self service that reduces routine phone calls, and AI supported clinical notes that can free up chairside time while improving the patient experience. We also cover risk reduction, from digital consent forms that cannot go missing to medical history change alerts that help protect clinicians under real world time pressure. ——————————————————————— 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

October 5, 2026Episode 49348 min

Driving Up Practice Profit with Dr. Barry Oulton and Shishir Khadka [CPD Available]

UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— Turnover looks impressive on paper, but it can still leave you stressed, underpaid, and unsure what to do next. We sit down with Dr Barry and Shishir to get brutally clear on what drives dental practice profitability in the real world: margins, delivery costs, overheads, and the decisions principals avoid when they do not trust their numbers. We unpack why improving the patient journey and the way you talk through treatment can lift daily production without adding more clinical days, and why “charging an hourly rate” often traps owners in a ceiling they cannot break. From there, we go deeper into associate performance and the awkward conversations around splits, expectations and underperformance. When you have accurate data, the conversation shifts from emotion and fear to fairness, clarity and long-term stability for the team and patients. We also explore how modern dental finance software can close the gap between information and implementation. Shishir explains the value of real-time reporting and fast month-end management accounts, while Barry shares a practical warning about AI tools that are not accurate or contextual. We talk about Dentpulse, scenario planning (fees, hiring, profit targets), and why choosing the few biggest needle movers beats trying to fix everything at once.. ——————————————————————— 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

October 2, 2026Episode 49219 min

Equipment Finance: How Not To Overpay with Gavin Kirkwood [CPD Available]

UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— You can spend weeks choosing the “perfect” scanner, chair, or imaging kit, then accidentally overpay for it in the finance paperwork. We wanted to fix that gap. We’re joined by asset finance broker Gavin Kirkwood to break down equipment finance for dentists in plain English, from the first questions a lender asks to the decisions that quietly shape the total cost of borrowing. We talk through what funders typically request (think recent business bank statements and filed accounts), why your business structure and trading history can open up better lenders, and how quickly a quote and approval can happen when the information is clean. We also get into the reality of broker versus direct deals: what a broker’s panel of funders actually changes, why disclosure matters, and how comparing the market helps you judge whether a “good” rate is genuinely good. Then we zoom in on deal design. We cover typical fixed rate terms (often 24 to 60 months), how to think about cash flow versus paying down quickly, and why the asset itself affects pricing. If you’ve ever wondered why software can price differently to a recoverable piece of equipment, we explain the idea of hard, medium, and soft assets. We also touch on deposits, including when VAT upfront is common on hire purchase, and when a lease might allow lower or even zero deposit depending on profile. ——————————————————————— 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

September 29, 2026Episode 49135 min

Dental Practice Profitability with Darren Nicholson [CPD Available]

UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club ——————————————————————— Your bookkeeping is no longer a dusty spreadsheet you revisit at year end. With Making Tax Digital and tighter margins, the numbers behind your dentistry decide how calm you feel about tax, how confident a lender feels about backing you, and how attractive your practice looks to a future buyer. We sit down with Darren Nicholson from Azets to map out what “good management information” looks like at each stage of a dental career. We start with associates and the practical realities of quarterly reporting, then move into what changes the moment you become a principal: monthly management accounts, clean categorisation, and a simple rhythm that turns compliance into control. We talk about forecasting your tax bill 12 to 18 months ahead, so 31 January stops being a panic and becomes a plan. From there, we get specific about dental practice KPIs and benchmarking. We discuss turnover against target, direct costs like materials and labs, staff costs, marketing effectiveness, EBITDA, and why context matters when you’re trying to judge whether your numbers are “normal”. We also cover how practice management software can link into Xero or QuickBooks for better drill-down, including income by chair and utilisation gaps, plus the common set-up mistakes that make reports misleading. If you want stronger cash flow, better tax planning, and lender-ready reporting that supports growth or an eventual exit, hit play. Subscribe, share this with a practice owner friend, and leave a review with the one KPI you want to get under control 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 Fan Mail

September 21, 2026Episode 49025 min

Mistakes You NEED To Avoid Before Taking Out Practice Finance with Dan Fearon [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 ——————————————————————— You can spend months hunting for the “perfect” dental practice, then lose thousands by saying yes to the wrong loan structure or the wrong assumptions. James sits down with Dan Fearon from Saroma Finance to pull back the curtain on dental practice finance in the UK, focusing on the real world pitfalls that trip buyers up right before they sign. If you’re planning a first practice purchase, or you’re refinancing ahead of growth, this is the practical checklist you want in your pocket. We get specific about practice valuation and the numbers that drive bank lending. Dan explains how EBITDA is used to judge serviceability, why “add backs” can be legitimate or dangerously optimistic, and how projected figures in sales particulars can inflate confidence without improving your chances with a lender. We also talk through independence and small print: what to watch for if a sales route funnels you into an in house finance team, and how to keep your options open so you can compare terms properly. Then we move into loan structure and what many dentists do not realise is possible: interest only periods at the start of a loan, longer terms that reduce monthly repayments, fixed versus variable rate trade offs, and the ability to make lump sum overpayments. Finally, we demystify 100% finance on goodwill and freehold and why it’s less about headlines and more about whether the practice can cover your drawings and the repayments. ——————————————————————— 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

September 18, 2026Episode 48949 min

The Story So Far 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 ——————————————————————— London can feel like noise until you realise it’s also a massive amplifier. We sit down in the new studio, swap interviewer and interviewee roles, and unpack what genuinely changed once we prioritised real-world conversations over staying entirely online. If you’re a UK dentist trying to build confidence, grow a business, or simply make smarter decisions with money, the thread running through everything is simple: proximity to the right people speeds up learning, clarity, and opportunity. We get practical about the internal stuff that holds most of us back. Fear is not a character flaw, it’s often an outdated survival response, and it shows up hardest when you want to be visible: networking, public speaking, posting content, or walking into a room where you don’t know anyone. We talk through how to reframe those feelings, how reps build competence, and why making “learning” the win helps you escape analysis paralysis and actually move. From there we zoom out to what Dentists Who Invest has become: a community plus education that includes verifiable CPD through the Smart Money Members Club, with a focus on dental finance, tax efficiency, investing, and building a healthier relationship with income and time. We also share why Business of Dentistry exists, what’s different about our events, and why The Entrepreneur’s Den aims to bring ethical profitability and dental innovation into the same room. If this sparks something, subscribe, share it with a colleague, and leave us a review so more dentists can find 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 Fan Mail

September 14, 2026Episode 48833 min

Making Money In Property In 2026 with Dr. Harry Singh [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 ——————————————————————— Buy-to-let used to feel like the obvious property investment route for UK dentists, but 2026 is a different game. With interest rates biting, Section 24 still hurting personally owned portfolios, and renters’ rights reform changing how landlords manage tenancies, it’s easy to end up “investing” while quietly subsidising your tenant each month. We wanted a straight answer to a simple question: how do you make the flipping numbers work now, not ten years ago? I’m joined by property expert and fellow dentist Dr Harry Singh, and we get into the unglamorous truth first: cash flow is what keeps you in property long term, while capital appreciation is a bonus. Harry explains why the standard single-let model can be close to dead for many landlords once you add tax, finance costs and friction, then walks us through a strategy he believes is creating genuine margin today: leasing property to social care providers for supported living style accommodation, where the demand is structural and the budgets can be surprisingly large. We unpack how the contracts tend to work, why lenders care about break clauses, and what “no voids and maintenance handled” really means in practice. We also cover the practical route to getting started: finding the right providers first, using council and government contract sources, and doing proper due diligence through Companies House and CQC ratings so you don’t get seduced by a headline rent. If buying feels out of reach, Harry shares a rent-to-rent approach that focuses on control and cash flow rather than ownership, plus where these opportunities tend to cluster geographically and why timing matters. ——————————————————————— 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

September 10, 2026Episode 4871 hr 1 min

Ltd Company vs Sole Trader For Dentists In 2027 with Matthew Norton [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” advice gets thrown around dentistry like it’s a universal truth, but the real answer depends on one brutal question: do you need to take all the money out, or can you leave some inside the company with a plan? We sit down with chartered accountant Matthew Norton, who specialises in accounting for dentists across the UK, to unpack limited company vs sole trader decisions in plain English and with the numbers that actually drive the outcome. We cover the foundations first: liability differences, the shifting admin reality as Making Tax Digital expands, and how corporation tax and dividend tax interact. From there, we get specific about dentist pain points, including the £100,000 threshold where personal allowance tapering and childcare changes can bite, and why a salary-only approach inside a company is rarely as clean as it sounds once employer’s National Insurance is considered. For practice owners and mixed-income dentists, we go deeper into dental practice incorporation: selling goodwill into a new company, when capital gains tax might be worth paying, and how a director’s loan account can let you draw value back without dividend tax. We also talk NHS realities, from contract approval quirks to the NHS pension limitation for associates, plus how property ownership and future acquisitions can influence the structure you choose. ——————————————————————— 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