Financial Planning for Dentists

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

Simon Hocken

3 years ago I had a dream of being the owner of successful dental practices. Thanks to the dedication and hard work of Thomas Dickson and his team I am well on my way to realising that dream. Thomas was able to see my vision

Eamonn McDaid - October 2008

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

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

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

Liz Brown

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

Craig Harper

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

John Grant

Many thanks for responding ....  so promptly. Your advice was spot on as usual, and has just saved me several hundred pounds this year. I can't thank you enough.

Jaspal Sandhu - January 2010

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

Thomas Dickson has been my financial adviser for the last 5 years. During this time he has consistently offered a high level of service and advice. Since starting Essential Money, he and the team around him have

Mark Forty, OrthodonticsForYou - April 2008

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

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

Essential Money has always viewed my needs at a personal level rather than just treating me as one of their clients. The style, Thomas uses to explain finance, projections along with his dedication towards my needs

Sukhi Atthi, Birmingham January 2013

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

Julia, Surrey, semi retired Drama teacher and Theatre director

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

Mr Jatinder Heer BDS (Lond) MFGDP RCS (Eng)

Thomas - Thanks so much for this comprehensive and helpful information and for the patient, careful and clear way you took me through all these details on Tuesday. It was a great help and encouragement and we are so glad to have your help. Many thanks again.

Dr Malcolm Laird - September 2009

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

Although having returned from overseas with a wealth of knowledge and experience in my chosen profession, my finances were in somewhat of a disarray. That is until I was referred to you by a colleague. Since then you have helped me

Dr Homi P Nanavaty

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

Sophie & Fraser Mitchell

...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

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

Nick Ledingham

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

 Thomas has been a regular contributor to The Probe for a while, and he is well known for his clear explanations of tax law and giving sound advice...a wonderful human being!

Lisa Townshend - Editor, The Probe - November 2007

Thomas has been continuously there for guidance, help and advice since I graduated. He is one of the most trustworthy professionals that I have come in contact with and will always seek the best for your interest. Thomas has a

Raza Jaffery - April 2010

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

Dr Johan & Ronette Goosen

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

... 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

Dr Michael Fulforth

We would just like to say what a great help your financial services have been to us, more so since we have recently become partners from being associates. We have found Thomas to be very knowledgeable and extremely helpful. More

Raj & Asha Ram

The process we have undergone with you was utterly insightful. That the output is a living, working plan which develops with us and our aspirations is, we believe, how financial planning should be. As we don’t live in IFA-world,

Dr S & Mr F Mitchell - March 2012

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

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

... 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 ..

Shrik Kotecha

I first met Thomas fresh out of university when he joined a company where I worked at that time as the Senior Consultant. I'd never have guessed he'd

Karl R. Lehmann Dip PFS, Certified Financial Planner, Principal, Lehmann Financial Management - July 2007

.. ..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.

Beth & Dan Daly

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

Tamsin Vaughn Williams

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

Jack Bowker

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

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

Dr. Zoser Fouad Boulis

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

It is my pleasure to recommend Sarah as she has given me excellent service. When I think about how I sweated sorting out mortgages myself before!!!Visit Orthodontic Excellence

Peter Huntley - July 2008

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

Stuart Jacobs

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

Sukhvinder Atthi

Thank you so much for the excellent service over the years. Be assured of my loyalty in years to come.

Walter Reynecke - March 2008

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

...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 - May 2008

Thomas - 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 rather than the usual rubbish that one reads from accountants just looking for work! Morris & Co

Nick Ledingham - Morris & Co. (Chartered Accountants) - October 2009

My wife and I are both dentists. We arrived in England as young dentists with no experience in the business world. Our first problem was, income protection cover, what do we need and what is available? Secondly what

Dr Johan Goosen & Dr Ronette Nieuwoudt