The truth about dentists' money.
Whether you're an associate weighing up buying in, or a principal planning an eventual sale, the structure of your income and the value of your practice drive almost every decision that follows.
2
income worlds: NHS contract and private fee income
Goodwill
often the largest asset in a practice sale
BADR
may apply on a qualifying practice disposal (as at 2026)
What's your situation?
Associate
Income structure, pension, and saving with variable earnings.
Buying in
Funding a share, the numbers, and what partnership means.
Principal
Running the practice as a financial asset, not just a job.
Selling up
Goodwill, deal structure, and net proceeds after tax.
The truth about
Episodes for dentists
- BADR, earn-outs, and the deal you actually keepLuke · 17 min
- Salary sacrifice: the quiet pay riseAnick · 11 min
- The 4% rule was never a ruleLuke · 12 min
Guides written for dentists
Business
Business Asset Disposal Relief in 2026
A widely available but often missed relief - and the qualifying conditions that quietly disqualify people.
10 min read · Luke
Protection
Income protection vs critical illness: which one, when
They solve different problems. Buying the wrong one is expensive and common. A clear decision framework.
9 min read · Luke
Retirement
Drawdown sequencing: the order you spend matters
Which pot you draw first can change how long your money lasts. The mechanism, with the numbers.
11 min read · Luke
Inheritance Tax
What the Residence Nil-Rate Band actually does
The most over-engineered piece of UK tax law of the last decade. Who gets it, and the three ways families lose it.
9 min read · Anick
Recommended for dentists
Exit Ready
Net proceeds, not headline price. Most founders sell once; most buyers buy for a living.
ITK - In The Know
The financial questions dentists actually ask.