Independent Financial Advice for Dentists
Built Around You
Specialist financial planning for dentists - helping you grow, protect and enjoy your wealth with clarity and confidence.
At Money4Dentists we specialise exclusively in the dental profession.
Tailored advice
From the NHS Pension to investments, mortgages and tax planning, we provide independent advice designed around your life, your career and your goals.
Managing your finances
Dentistry is demanding - looking after patients, staying compliant with regulation, and in many cases running a practice. Managing your finances on top of this can feel overwhelming. That’s where we come in.
20 years experience
For more than 20 years, money4dentists has focused solely on supporting dentists with their financial planning. We're experienced advisers who recognise the need for specialist advice in dentistry.
What We Do
Our advisers combine deep technical knowledge with a genuine passion for helping dentists achieve financial security and freedom. We stay on top of legislative changes affecting the NHS Pension, tax and investments so you always receive up-to-date, high-quality advice.
We’re here to:
- Make sense of your NHS Pension and retirement planning
- Structure your savings, investments and private pensions efficiently
- Protect your income, your family and your practice
- Navigate mortgages and practice finance
- Help you plan for the future you want - without the jargon
How We Work with You
Above all, we’re approachable and human. We understand that talking about money can be daunting, so we explain everything clearly and keep you informed at every step. Our goal is to build a long-term relationship with you, giving you confidence and clarity at every stage of your career.
Want a free consultation?
Our Approach
Advice That Revolves Around You
Every dentist’s circumstances are unique. Whether you’re an associate, a practice owner, or approaching retirement, our first step is always to understand you.
We begin with a comprehensive discovery process, mapping your income, assets, liabilities, and aspirations. We then analyse your position using sophisticated modelling tools and our decades of experience advising dental professionals.
Once we have a full picture, we’ll present clear, jargon-free recommendations designed to achieve your goals. We don’t simply hand you a plan and disappear. Our ongoing advice service includes annual reviews, cashflow updates, and on-tap guidance whenever you need us.
Our approach means you’ll always know:
- Where you are financially today
- Where you’re heading
- What actions you can take now to improve your future
We’re your financial partner - for every stage of your career.
Our Ethos
Independent. Expert. Ethical.
We built money4dentists on a simple principle: do the right thing, every time.
Our ethos includes:
- Client First: Our only priority is you. We are fully independent, so our recommendations are impartial.
- Professional Integrity: Our advisers hold leading industry qualifications and adhere to strict regulatory and ethical standards.
- Long-Term Relationships: We aim to be your sounding board throughout your career and into retirement, not just for one-off transactions.
We’re proud of our reputation in the dental profession. We’re trusted, recommended and often retained by clients for many years — a testament to our commitment to service and results.
Why use us
Specialist Financial Advice for Dentists
- That’s All We Do.
Dentists face unique financial challenges:
- Complex NHS Pension rules
- High earning potential combined with irregular income
- Practice ownership and financing
- Student loans and tax considerations
Our deep focus on dentistry means we understand your world. We know the questions you’ll have before you ask them, and we’ve developed solutions tailored to your profession.
Working with money4dentists gives you:
- Clarity: We explain the complex simply.
- Confidence: We show you exactly where you stand and how to achieve your goals.
- Choice: Our independent status means our recommendations are based purely on your needs.
- Continuity: We’ll be by your side at every career stage - from your first job to selling your practice and retiring comfortably.
Our Team
Johnny Qually
BSc FIN SCi
Pensions, Savings and Planning
Johnny Qually
BSc FIN SCi
Pensions, Savings and Planning
Our Services
Pensions
Dentists’ pensions are complex.
At money4dentists, we specialise in helping dentists plan their retirement. We forecast your NHS Pension, analyse your private pensions and investments, and create a clear, actionable plan so you know exactly where you stand — and how to get where you want to be.
Protection
What happens if ill health, accident or unexpected events stop you from working - even for a short period?
We help you identify the risks you face, select cover that fits your circumstances, and build protections around your practice, income and loved ones - so you can proceed with confidence, knowing you’re covered.
Investments
Invest with Confidence and in Line with Your Values
Whether you’re growing your wealth or planning for retirement, we build investment strategies around your goals and risk appetite.
For clients who prefer investments that avoid interest or meet specific ethical criteria, we can construct portfolios that respect your principles without compromising on quality or diversification.
Our investment process:
- Assess your objectives and risk tolerance
- Design a diversified, evidence-based portfolio
- Monitor and review regularly to keep you on track
Mortgages
Helping Dentists Secure the Right Mortgage
Dentists often have complex income patterns that don’t fit standard lending criteria. Our partners at Mortgages4Dentists understand how lenders view dental professionals and can help you find the right mortgage - whether you’re buying your first home, remortgaging, or purchasing a dental practice.
They’ll guide you through the entire process, explaining your options, negotiating with lenders, and helping you secure the most competitive deal available.
Click here to head directly to their partner website or we’ll be happy to put you in touch with a specialist - just give us a call.
Tax Planning
Keep More of What You Earn
Dentists frequently pay more tax than they need to. We work with specialist dental accountants or your existing advisers to create efficient tax strategies — from pension contributions and ISA planning to business structure and practice sale planning and much more.
By planning ahead, you can legitimately reduce your tax bill, free up cash for investment, and accelerate your path to financial independence.
Expert Insights for Dentists
Our Insights section is your go-to resource for the latest thinking on dentists’ financial planning. From NHS Pension changes to investment strategies and practice finance, we publish regular articles and guides to keep you informed.
Sample topics include:
- “NHS Pension Annual Allowance Explained”
- “Buying Your First Practice”
- “Protecting Your Income as a Dentist”
- “How to Plan for Retirement”
Contact us
Let’s Talk About Your Future
Whether you’re newly qualified or planning retirement, we’re here to help. Get in touch for an initial no-obligation conversation.
We’ll listen, understand your situation, and explain how we can help you build a stronger financial future.
- 01234 567890
- hello@money4dentists.co.uk
Martin Febery
Managing Director
MSc (Hons) FCMA AdvDipFA Chartered ALFBF
Martin is a Chartered Financial Adviser and qualified accountant with over 30 years of experience in finance, including senior leadership roles across industry and international markets. A Fellow of the Chartered Institute of Management Accountants and holder of a Master’s degree in Finance, he brings a uniquely strategic perspective to financial planning and one that combines technical expertise with real-world business acumen.
Martin specialises in working with dentists, helping them navigate everything from NHS pensions and retirement planning, to investment planning, protection, and whole-of-life financial strategy. His deep understanding of the dental profession, coupled with a forensic approach to cashflow modelling and a relentless focus on service, has earned him a reputation for delivering advice that’s both highly personalised and commercially astute.
Before moving into financial advice, Martin spent many years as a senior finance leader and has led on numerous business acquisitions and strategic planning projects. This experience underpins his ability to solve complex problems and support clients at every stage of their professional and personal journey.
Andrew Brown
Managing Director
Andrew is a qualified mortgage and protection adviser with 25 years’ experience in financial services, working across both large corporates and fast‑growing specialist firms. He is widely recognised for his expertise in securing residential and buy‑to‑let mortgages for self‑employed healthcare professionals, particularly dentists, whose unique income structures and career paths often require a tailored approach.
As the founder of one of the UK’s highest‑rated mortgage and protection brokerages, Andrew has grown his business into a team of nearly 20 professionals with a reputation for exceptional customer service. His background extends beyond mortgages as he has owned an accountancy firm, a wealth management practice, and an estate‑planning business, giving him a uniquely well‑rounded understanding of the financial landscape dentists operate in.
Andrew is also an active property developer and buy‑to‑let investor, enabling him to share real‑world insight with clients looking to build long‑term wealth.