Pensions & Retirement Planning for Dentists
Understand Your Pension. Plan the Retirement You Deserve.
Dentists’ pensions are complex. Most have benefits in more than one NHS Pension section, plus private pensions and investments. Add frequent rule changes and tax limits, and it’s no wonder many dentists aren’t sure what they’ll receive at retirement.
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.
Understanding the NHS Pension for Dentists
The NHS Pension Scheme is generous but complicated. It has three main sections:
- 1995 Section: Final salary-based, Normal Pension Age 60.
- 2008 Section: Final salary-based, Normal Pension Age 65.
- 2015 Section: Career average revalued earnings (CARE), Normal Pension Age linked to State Pension Age.
Many dentists have built up benefits in more than one section. We’ll show you how each piece fits together, what your projected benefits are, and your options at retirement.
We’ll also help you navigate:
- McCloud Remedy: Changes following the age discrimination case, which affect your benefits and tax calculations.
- Annual & Lump Sum Allowances: Managing the risk of breaching tax limits on pension growth.
- Partial or Phased Retirement: Exploring how you can reduce your hours but continue building benefits.
- Scheme Pays Elections: Helping you meet tax charges without out-of-pocket costs.
Private Pensions and Retirement Savings
Alongside your NHS Pension, you may have private pensions, SIPPs or investments. We:
- Review existing pensions, including charges and investment options
- Identify gaps in projected retirement income
- Recommend suitable contributions, transfers or other investment vehicles
- Keep everything under regular review to ensure your plan stays on track
The M4D Client Plan
Ongoing Support Built for Dentists
Our flagship service, the M4D Client Plan, gives you year-round access to specialist advice and peace of mind about your finances.
- NHS Pension Review & Analysis: We audit your NHS Pension to ensure your records are correct, complete and optimised.
- Forecasting & Scenario Modelling: We project your NHS Pension benefits — including phased or early retirement options — and model different income scenarios so you can plan with confidence.
- Annual Allowance & Scheme Pays Calculations: We handle complex calculations and advise you on actions to minimise tax.
- Review of Other Pensions & Investments: Ensuring your private pensions and savings work in harmony with your NHS benefits.
- Lifetime Cashflow Planning: Visualising your future income and expenses to highlight gaps or opportunities.
- Retirement Income Planning: Structuring withdrawals tax-efficiently once you retire.
- Protection Review: Annual review of your insurance cover to make sure your income, family and practice remain protected.
- Tax Planning & Business Guidance: Advice on self-employment, Limited Companies and structuring your finances efficiently.
- Estate Planning Review: Helping you mitigate inheritance tax and make the most of gifting allowances.
- Discounted Advice Fees: 25% discount on all additional advice for you and your household.
- Annual & Ad-Hoc Meetings: Access to your adviser whenever you need us.
View our step by step guide
Why Choose money4dentists for Pensions & Retirement Advice
- We Understand Dentists: Over two decades of working exclusively with dental professionals.
- Independent & Impartial: Not tied to any provider — our advice is always in your best interest.
- Clear Forecasting: Advanced software turns complex pension data into clear visuals.
- Tax-Smart Strategies: We help you manage your pension contributions and avoid unnecessary tax charges.
- Ongoing Support: Our M4D Client Plan keeps your retirement planning current year after year.
Book Your Free Pension & Retirement Review
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
Business Planning for Principals
Are You a Principal or Practice Owner?
Running a dental practice means making big financial decisions — from securing funding and structuring tax to protecting your business and planning for your exit. At money4dentists we specialise in helping Principals and practice owners integrate their personal and business finances.
- Advice on practice purchase, expansion and funding
- Tax-efficient structures and profit extraction
- Business protection (shareholder cover, key person, overheads)
- Succession and exit planning