For many years, I paid scant attention to my financial planning. Like many dentists, I was a high earner (and a high spender)and I felt there was plenty of time left to worry about insuring my health and funding my retirement. I almost resented the fees to insurance companies for life assurance, permanent health insurance etc. In fact after a visit from my financial planner, I often felt poorer rather than wealthier!
A few years ago, I started working with Thomas Dickson and I soon realised that I had found someone I could trust, someone who clearly understood my objectives, my hopes and dreams, and someone who could show me the point and more importantly the fun of building wealth and capital. With Thomas’s guiding hand I have a clear idea of my finances (and my family’s) up until my 99th Birthday.

Simon Hocken,

I rate Essential Money and I really like Essential Money because I know that if I recommend a client to them that the client will get a good service from a firm that has got depth and breadth of knowledge in the dental profession. They’re not just a firm of IFAs, they know about their clients and they know about their clients’ business. I get constantly good feedback from clients I’ve recommended.

Nick Ledingham, Senior Partner (Morris & Co | Chartered Accountants)

Thomas helps us understand what is happening to our business, helps us calculate the impact of any decisions we make both now and in the future. When we come away from meeting Thomas we feel enlightened and enlivened. It is difficult to put a price on such peace of mind.

Don Robertson, Whitehouse Dental Principal

Thomas has looked after my financial affairs for nearly 10 years. I appreciate dealing with one person, albeit one supported by a competent team. Our annual meetings, held at conveniently at my house concentrate my financial mind and are an excellent compromise between friendly chat and serious financial assessment. There is even a bit of life coaching thrown in. ‘And what are your future plans in life, Tamsin?’ I leave a meeting feeling more financially secure than I did before his arrival and confident enough to be more financially enterprising. I enjoy feeling that all the money matters are taken care of without me having to do anything myself. That computer programme showing what my financial ‘pot’ situation would be following various possible life events is a fascinating tribute to technology. I enjoy excellent mortgage rates which have enabled me to buy properties when it was a good time to buy property. All thanks to Thomas and his team for finding these and for the other financial investments I have made. I am now much richer than I would have been without his help.

Tamsin Vaughn Williams, Dentist

Thomas has given me good advice on how to manage my investments and so achieve my plans for an ongoing active retirement. He responds promptly to email queries. I am happy with the service provided and the agreed frequency of reviews in relation to the charges made.

Douglas, Retired Dentist, West Sussex

The process we have undergone with you was utterly insightful. We now have a living, working financial plan which can develop with us and our aspirations. We believe that’s how financial planning should be. We don’t live in an IFA world, so having everything put to us in plain terms by someone we trusted was crucially important. Needless to say, we shall recommend Essential Money.

Sophie & Fraser Mitchell, Principal Dentist

I have just read your article in the Probe and just wanted to say how refreshing it was to find somebody expounding a practical view about incorporation…

Nick Ledingham, Senior Partner (Morris & Co | Chartered Accountants)

I have been delighted with the service received from Ranjit Virk over several years in giving me sound financial advice… I have benefitted from his in depth knowledge. In addition Ranjit has always been available to explain anything .. a major benefit for someone primarily concerned with the day to day running of a dental practice.

Mr Jatinder Heer BDS (Lond) MFGDP RCS (Eng), Practice Owner | J H Dental Clinic

I have always admired the work that Brendan has put into any of my queries and the well balanced advice that he has given me. From matters of NHS pensions to reviewing the proposed purchase of a practice, Brendan has been my invaluable advisor and confidant…. He and his company have a clear policy on charges which I feel are competitive, reasonable and value for money….. inspired in me a great deal of confidence and respect.

Dr. Kaushik Paul, Dentist

Brendan has been the family’s financial adviser for some time. I found him prompt with answers to my queries, efficient and careful to get all information possible to consider alternative actions and, most importantly, trusted…. I wish I found him several years ago… I have no doubt in recommending him to those who want to make the best use of their money

Dr. Zoser Fouad Boulis, Consultant Radiologist

I was impressed with the experience and professional attitude Brendan showed in dealing with our financial circumstances. He shows breadth of knowledge including navigating through complex NHS pensions and putting together bespoke packages to suit our requirements. Both he and his staff respond promptly and I have no hesitation in recommending him to you.

Abbi Lulsegged, Consultant Endocrinologist

… after an introductory meeting to review my current financial position it was immediately clear that he had the knowledge, dental background and understanding to help me with my financial planning in the lead up to retirement. I feel confident that his advice has been tailored to my individual needs and wishes and have enjoyed our meetings as he is a genuinely nice guy.

Dr Michael Fulforth, Dentist

Clear, concise and honest information which is explained in basic English so that I can understand the financial terms and relate it to my financial needs….. looked after my business and family’s financial welfare over the last 10 years and I have found him to be more than reliable and uses factual – up to date information. In fact his approach is of a high professional standard who has additional values such as being sincere and understanding. His staff are approachable and always at hand …

Sukhvinder Atthi, Dental Surgeon

Having moved to Thomas after 30 years from another company we were unsure if he would be as good as he had been recommended to us. However he is way beyond any comparison with our previous advisor. He has time to listen, his advice has been spot on, and more importantly he has picked up quickly what our likes and needs are. We do not feel rushed during our meetings, and he responds to emails promptly. Most impressively his advice on our investments has been excellent.

Liz Brown, Retired

Thomas has been a fantastic help to us over the last few years, reviewing our finances, investments and insurances. We have received extremely good advice and particularly like his concise summary of our meetings and action plans which as busy orthodontists with little spare time, gives us the specific points we need to address. Thomas has a detailed understanding of the workings of the NHS pension and additional benefits of working with him are his contacts in the dental profession. We would whole-heartedly recommend Thomas and his team.

Craig Harper, Principal Orthodontist

.. ..always provided us with extremely well researched advice and answered any questions … very approachable and provides advice in a non pressurised manner… regular updates on relevant financial issues which help to keep us up to date. … staff are polite and very efficient. We would not hesitate to recommend [their] services.

Beth & Dan Daly,

… have really taken the time to get to know our personal financial goals/vision and assist us in all aspects of financial planning. They have always been upfront/transparent about their charges and provided us with considerable savings .. with the added benefit of a better level of protection. …the office team are always on hand to deal with queries, they respond to emails promptly and professionally too. I would not hesitate to recommend Essential Money to my professional colleagues and my family.

Shrik Kotecha, Dentist

Thomas is a good communicator always patiently explaining things which are obtuse. He is easy to contact, reliable and always makes time for me at my convenience.

Peter Huntley, Orthodontic Practice Principal

Thomas looks after all my financial affairs from insurance to investments. The analysis and planning is exceptional and easy to understand. He communicates eloquently and in an easy to understand manner without using jargon! Keeps me updated regularly and has an office that is friendly, helpful and quick to respond.

Miles Tucker, Managing Director

Excellent all round advice regarding property, pensions and ISA. Always answers queries promptly and is very thorough. Very trustworthy.

Jack Bowker, Dentist

Thomas communicates well and he cares…. team give a fantastic service making you feel like you are their only client.

John Grant, Director

Excellent advice on all aspects of financial planning. Good manner – gives feeling of reassurance.

Stuart Jacobs, Dentist

I have nothing but praise for Thomas Dickson. He is because of his advice I have been able to retire to Richmond and to manage my finances and live a comfortable life. He is always courteous and never too busy to help when I need advice even about trivial matters. I am extremely lucky to have found him all those years ago. I cannot recommend him highly enough.

Julia, Surrey, semi retired Drama teacher and Theatre director,

Ranjit Virk is a very experienced financial adviser for those with a Medical/Dental background and has always provided us with honest, frank and timely advice. His knowledge of our personal circumstances and ethos is important and we have always benefited from his recommended movements within our financial portfolio. His services are personal and very convenient for busy people and he has a good portfolio of investments to allow flexibility and sharing of risk.

Prof. I.L.C. Chapple PhD, BDS, FDSRCPS, FDSRCS, CCST (Rest Dent),

I have known Ranjit for more than 10 years as my Financial Adviser and have always found him to be helpful, trustworthy, conscientious and professional in our dealings. He has also helped me by running courses on financial matters for postgraduate dentists and these have been to the same high standard.

Richard Spicer BDS BSc MFGDP (UK) MMEd, Dentists

We can now concentrate just on our work knowing that our financial matters are in good hands.

Dr Johan & Ronette Goosen, Principal Dentists

We would just like to say what a great help your financial services have been to us…. … very knowledgeable and extremely helpful … ‘down to earth’ mannerism makes you approachable and your prompt attention to our queries, ensures the smooth running of our financial affairs.

Raj & Asha Ram, Principal Dentists

I would wholly recommend Thomas and Essential Money as I have found them to be extremely customer focused, excellent advisors and very professional.

Eamonn McDaid, Principal Dentist

…well known for clear explanations of tax law and giving sound advice…

Lisa Townshend, Editor of Dental Tribune

Finance is something which the rest of our lives hinge around, whether we like it or not… with your mini-bar giveaway I think you may well be voted one of the years top speakers….. You really helped make sense of it for us ALL.

Bridget Ashton, Plymouth VT Adviser

…consistently offered a high level of service and advice. … friendly, welcoming and knowledgeable. I feel now that should I ever fall ill or have any other problems, financially I am now safe for the future.

Mark Forty, Principal - Orthodontics For You

Once again, you have been excellent – extremely helpful, friendly and empathetic during what became a prolonged process. We’d have no hesitation in recommending Essential Money – all the team there have always been professional, courteous and, most importantly, helped us manage our finances better!

Matt Woodhams & Louise Hocking,

Thanks so much for this comprehensive and helpful information … it was a great help and encouragement and we are so glad to have your help.

Dr Malcolm Laird,

Your advice was spot on as usual, and has just saved me several hundred pounds this year

Jaspal Sandhu,