Financial advice for Practice Principals

The everyday demands of running a busy dental practice can take your focus away from achieving your personal financial goals and establishing financial security. Let us help you keep your financial plans on track.

For your practice, you may be considering:

  • Commercial lending to acquire a practice or refurbish existing surgeries
  • Practice Insurance or Key Person Insurance
  • Providing an employee pension scheme
  • Creating a business exit strategy
  • Tax efficient profit extraction

For you and your family, you may want to discuss

  • Maximising your NHS pension and retirement planning opportunities
  • Utilising tax-free allowances
  • Maximising the return on your investments
  • Protecting your income
  • Minimising inheritance tax liabilities
  • Protecting your family in case of death or serious illness

What makes us different at Capstone Financial is that we’ll work closely with your existing professional relationships or recommend other dental specialists, in order to provide a comprehensive approach to your financial and tax planning.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time.

The value of any tax relief depends on individual circumstances.

Commercial lending is not regulated by the Financial Conduct Authority.

Exit strategies may include the referral to a service that is separate and distinct to those offered by St. James’s Place.

Matt has given me a great deal of assistance during the process of selling my practice, introducing dental-specific solicitors and forwarded planning with my NHS pension. He has always put my interests first by giving sound and trustworthy advice. The service and support have always been exceptional. I would not hesitate in recommending him to anyone.

Anant Patel, Dental Practice Owner
Wirral

Matt provided a very thorough investigation of my financial position and offered a very detailed report. As a result of this, I have been able to make investments that are personally suited to my needs. I am extremely satisfied with the service and look forward to continued support. I am pleased to recommend Matt to anyone.

Mike Simpson, Dental Practice Owner and Chair of the South Cheshire Local Dental Committee
Frodsham

When it comes to your finances, Matt is able to stand back and see the big picture and this is the skill; he is then able to focus on the detail to optimise that picture. He saved me a fortune on my mortgage, guided me through the minefield of private and NHS pensions and continues to reduce that burden. I wish I had met him years ago, he is an excellent financial adviser.

Nick Cooper, Dental Practice Owner and DFT Programme Director
Chester

Expert Financial Advisers

Matt Rhodes
Matt Rhodes

Director

Gary Morgan
Gary Morgan

Chartered Financial Adviser