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Financial services for dentists

Protection, retirement planning beyond the NHS pension, mortgages, wills and estate planning — delivered with our partners at Equity & General, with your accountant and adviser finally at the same table.

Joined-up advice

Your numbers and your advice, finally in one place

Most dentists have an accountant who sees the numbers and — maybe — an adviser who doesn't. The result is advice built on estimates, protection bought years late, and pension planning that ignores the tax position it lives in.

We work in partnership with Equity & General, an independent financial planning firm, so the two halves connect: we spot the need in your numbers, they provide the regulated advice, and we stay in the room so every recommendation lands tax-efficiently.

Independent advice — whole-of-market, not tied to any provider
Telephone-first — advice that fits around clinical hours, wherever you are in the UK
Numbers-led — your adviser works from real income and tax data, shared with your permission
One conversation, both experts — accountant and adviser aligned, not contradicting each other

Start the conversation

What's covered

The financial life around your dentistry

Income protection & life cover

The self-employed dentist's biggest gap: if your hands stop, your income stops. Protection structured properly, reviewed as your income grows.

Retirement beyond the NHS scheme

Private income isn't pensioned and allowances cap high earners — SIPPs, company contributions and drawdown planning that work alongside the NHS pension, not against it.

Investments & wealth

From first surplus savings to the proceeds of a practice sale — invested with independent advice and the tax wrappers used properly.

Mortgages

Dental income confuses high-street lenders — fluctuating self-employment, retained company profits, NHS pay statements. Advisers who know how to present it.

Wills & estate planning

Wills, lasting powers of attorney and inheritance tax planning — written around how your practice and wealth are actually owned, not a template.

Practice & partner protection

Key-person cover, share protection and cross-option agreements, so the practice survives whatever happens to the people in it.

How it works

From the numbers to the plan

1. We spot it. The gaps show up in the accounts — no protection line, private income with no pension, a practice with no will behind it. We raise it before it matters.
2. We introduce you to E&G. A telephone-first, independent advice conversation, with your real numbers shared ahead (only with your permission).
3. We implement together. Adviser recommends, we handle the tax side — contribution timing, structure, and the accounts reflecting it all correctly.

Transparency: regulated financial advice, mortgage advice and will-writing services are provided by Equity & General Financial Services Limited, an independent financial planning firm directly authorised and regulated by the Financial Conduct Authority (No 474163). Accountants for Dentists is not authorised to give regulated financial advice; we act as an introducer and may receive an introducer fee, which we'll always be open about. Wills, probate and estate planning are not regulated by the FCA. Your home may be repossessed if you do not keep up repayments on your mortgage.

Related reading: the NHS pension explained and the two-year exit plan — both end in conversations this service exists to have.

Financial planning questions

What dentists ask us

Why do dentists need income protection?

Because as a self-employed associate or practice owner, nobody pays you when you can't work — a hand injury, an illness or even a stress-related absence stops your income on day one. Income protection is the single most under-held policy among dentists we meet, and the first conversation we suggest having with an adviser.

I have the NHS pension — do I still need retirement planning?

Usually, yes. The NHS scheme is excellent but rarely the whole answer: private income isn't pensioned, annual allowance limits can cap what high earners build, and practice owners often want company pension contributions working alongside it. Planning means making the pieces fit together, not replacing the scheme.

Do I really need a will as a practice owner?

More than most people. Alongside the personal side — family, guardianship, inheritance tax — a practice owner's estate includes a business: what happens to your shares, whether your family could sell or run the practice, and how partners or co-directors buy each other out. Wills and estate planning that ignore the practice leave the hardest questions unanswered.

Who actually provides the advice?

Regulated financial advice, mortgage advice and will-writing are provided by Equity & General Financial Services Limited — an independent financial planning firm, directly authorised and regulated by the Financial Conduct Authority (No 474163). We introduce you, share the numbers (with your permission) and stay involved so the tax and the advice line up.

What does the joined-up approach actually change?

Advisers plan best with accurate numbers; accountants spot needs but can't give regulated advice. Working together closes the gap: your adviser sees real income and tax data instead of estimates, and we make sure recommendations are implemented tax-efficiently — pension contributions timed properly, protection structured the right way round, estate plans that match how the practice is actually owned.

Ready when you are

Get the advice your numbers have been pointing at.

Tell us what's on your mind — protection, pension, a will that's ten years old — and we'll set up the right conversation, with the numbers already prepared.

Start the conversation Why only dentists

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