Articles in the press

Many of the dentists I meet are members of the NHS Pension scheme, and there are a surprising number that have not completed a death benefit nomination, called a DB2 form. If you want your spouse or civil partner to receive 100% of your death benefit and you are not co  read more »

One of the main objectives of the Budget 2007 reforms was to refocus the tax system for small business, with the provision of more generous and better-targeted incentives for investment.  read more »

The majority of my dental clients are typically able to maximum fund their Individual Savings Accounts (ISAs) of £7,200 each year and make decent contributions into their pensions, either personal, NHS or in some cases both.
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This month I’ve decided to stray a little from the Tax Tips angle and focus on another issue which is pretty topical in the insurance market - 'Innocent Non Disclosure'.  read more »

When many dentists reach retirement age, they are lucky enough to have a substantial NHS pension, from age 60, based on their practitioner income or final NHS salary. For those that have also invested in a personal pension they will need to make some decisions as to how they are going to take the income.  read more »

Essential Money in the British Dental Journal

Many people are put off personal pensions as they think they will have to buy an annuity at retirement age and will lose control of their investments. However there are a range of options at retirement age which can be incredibly tax efficient.
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Principals are often advised to buy freehold rather than lease premises but it can be even more effective from a tax point of view if the property is actually purchased by your pension scheme.  read more »

Now that we’ve passed the 5th April deadline, it is time to consider what we didn’t do in the 2007/2008 tax year and what tax planning ideas and opportunities are available for 2008/2009
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 You may be aware of recent media coverage in leading newspapers including The Times, The Guardian and The Independent surrounding a crackdown by HMRC on buy-to-let landlords.
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