FINANCIAL ADVICE FOR ASSOCIATES

Practice Financial Management Limited offers specialist Independent Financial Advice to Associates appropriate to their career and personal financial needs. We guide you through the maze of financial products available to dentists as well as career plans for practice purchase.

Personal Financial Planning

• Pension Review Service -
  a service which fully assesses your NHS and other pension plans which aims to target funding for an adequate income in retirement.
  

• Investment & Savings -
  advice designed to create a balanced investment programme.
  

• Health Insurances Review  -
  advice on how to insure adequately for sickness or injury, using specialist policies.
  

• Mortgages -
  assessing the whole market for mortgage products. We aim to find the most appropriate mortgage for your current needs and circumstances.

  Your home may be repossessed if you do not keep up repayments on your mortgage.

  There may be a fee for mortgage advice. The amount will depend on the circumstances but we estimate ½% of the loan amount (i.e. £750 for a loan of £150,000) to recommend and arrange a loan.

Practice Purchase and Partnership Arrangements

At some stage during your career you may consider buying a practice or partnership share. Practice Financial Management Limited’s experience could be invaluable for:

• Practice Valuations and Financial Assessments
• Negotiation of Competitive Finance
• Partnership and Expense Sharing agreement advice

The value of investments and income from them can fall as well as rise and you may not get back the full amount invested.

The Financial Services Authority does not regulate practice sales, valuations, unsecured finance and some aspects of secured finance.