We’re independent financial advisers (IFAs). We’re not tied to any one product provider or bank. This allows us to recommend the most suitable solutions from across the whole market.

We believe in being fair and transparent about our fees. All costs are agreed with you in advance — there are no hidden charges. Typically, we have an initial charge for our recommendations and any implementation work, and an ongoing charge for ongoing advice, annual reviews and support. If you join our M4D Client Plan, some of our services are bundled into one clear annual fee and other services are discounted.

We’ll always explain your options, provide a written fee agreement before any work starts, and make sure you’re comfortable with the cost and value of our service.

Yes. With your permission we can work directly with your other advisers — accountants, solicitors, mortgage brokers — to ensure your finances are joined up and nothing gets missed.

The McCloud Remedy addresses age discrimination issues between the 1995/2008 and 2015 NHS Pension sections. It gives you a choice at retirement about which benefits to take for the period 2015–2022. We analyse how this will affect your benefits and your tax position.

It depends on your section, your service record and whether you take early or phased retirement. We model different scenarios so you can plan with confidence.

Yes. We review your private pensions, SIPPs, ISAs and other investments alongside your NHS benefits, so you get a complete retirement picture.

It depends on your role. Associates often prioritise income protection and life cover. Practice owners may also need partnership protection, overheads insurance and key person cover to protect the business.

“Own occupation” means the policy pays if you’re unable to do your specific job as a dentist, rather than any job at all. This is vital for dental professionals because your skills are highly specialised.

Lenders view self-employed or company income differently from PAYE salaries. We help you present your income and accounts to lenders in the best way and choose lenders familiar with dental professionals.

Yes. We work with specialist dental lenders to secure loans for practice purchase, expansion or equipment. We can also liaise with your accountant and solicitor to make the process smoother.

We start with a detailed risk assessment and use evidence-based investing to align your portfolio with your time horizon, goals and comfort with risk. We review regularly to keep it on track.

We consider your NHS Pension allowances, private pension contributions, ISAs, and other savings vehicles to create a strategy that keeps your tax bill low while meeting your retirement goals.

At least once a year for a full review, plus ad-hoc meetings whenever your circumstances change or you need advice.

Yes. The M4D Client Plan discount extends to your household.

Yes. money4dentists is a trading style of Advice 4U Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority (FCA No. 671527).