Advice areas pertinent to the requirements of Dentists
Protection
Income Protection, Life, Serious Illness, Critical Illness, Business Loan Protection, Surgery Insurance, Practice Expenses Insurance, Buildings & Contents Insurance
Pensions
Thorough knowledge of all aspects of the NHS pension 1995, 2008 and 2015 scheme. This includes detailed knowledge on the additional benefits, including Death In Service, Death in Retirement, Ill health Retirement Pension Tier 1 & Tier 2, widows/widower benefits, children’s benefits. Guidance on the Dental Portal. Actuarial reduction levels for voluntary early retirement. Assistance in completion of supporting documentation to aid benefits to pass to others and taking retirement benefits. 24 hour retirement, early retirement planning, withdrawing from the NHS pension altogether (this is an area of advice we are being asked to provide professional comment on more and more these days).
Investment and Savings
All investments are available as JDL Medical and Financial operates as a truly Independent offering in all areas of financial planning. Thus any type of investment vehicle can be sourced, together with the most appropriate tax wrapper. Access to all providers is available. A very robust investment process is used within the business, to ensure that continually investments and savings remain suitable for our clients both now and in the future. An area of particular interest to our Medical and Dental clients is School Fees planning.
Practice Buy In and Finance Arrangements
Professional guidance and introductions to trusted professionals, banks, lawyers and valuers, where my relationships have been in existence for over a decade. This saves time and money for you, most of the time this all happens in the background, enabling you to carry on your business as usual.
Partnership Agreement guidance and introductions to trusted professionals where relationships have been in existence for over a decade.
Mortgages
Professional Mortgage deals, residential, buy to let, commercial extending to holiday homes in the UK and overseas. Direct and Introduced deals are assessed, to ensure the very best deals are recommended. Professional Introductions for lawyers and money exchange service where appropriate.