Articles in the press

Although most dentists accept they should save for retirement, it doesn't necessarily mean they should invest in a pension. NHS dentists are fortunate as they qualify for the NHS Pension Superannuation Scheme but for various reasons such as increasing private work, this doesn’t always provide sufficient income at retirement.  read more »

The current banking system  read more »

The Bank of England cut interest rates on 5th February to 1% - down from 5% only last October – the lowest level in its 315-year history, as it sought to head off the worst economic crisis since the Great Depression.  read more »

Tax Freedom Day shows just how long we spend working for the Treasury, rather than ourselves. Overall, the government takes more than 40% of national income. This means that the average UK resident has to work a full five months of the year solely to pay that tax bill. Last year, that meant working from 1 January to 4 June – just to pay taxes!  read more »

Most of us marry for love and not for the tax savings, but for those who need that final incentive here’s a few thoughts for you.

Income tax
It always makes sense to invest any spare capital in the spouse’s name that pays the lowest rate of tax – you don’t have to be married to take advantage of this tip – you just have to trust your partner!  read more »

There are an increasing number of investors keen to take advantage of the current low in the stock market. For those that do take that step, it’s important to make sure you know the difference between insurance bonds and unit trusts and which is more appropriate, especially since the Capital Gains Tax (CGT) changes were introduced in April 2008.  read more »

With the latest spectacular crash of the AA rated Icelandic banks, and the governments latest intention to effectively nationalise RBS and HBOS there is no doubt that the banking world is about to enter a completely new phase.  read more »

I can’t count the number of times I meet dentists that are married, don’t have Wills and think their assets will automatically pass to their spouse.  read more »

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 »

We are increasingly finding that our dental clients with disposable cash to invest are considering alternative investments to increase returns in a market where even banks don't seem safe.  read more »