Frequently asked questions

Dental & Medical Financial Services operate within a regulated environment and have compliance and regulation support provided by Best Practice. This ensures access to tools and systems that help us remain compliant with ever-changing financial regulations. (Specific FCA registration details can be found in our regulatory disclosures.)

We understand that dental and medical professionals have demanding schedules. Our service is designed to be accessible and efficient, allowing us to work flexibly with you in a way that suits your circumstances. During your initial consultation, we discuss the most convenient way to work together.

Face-to-face meetings are arranged by agreement during your initial consultation. As specialists working with dental and medical professionals, we aim to provide a convenient and professional service that fits around your commitments.

Details regarding office access and parking can be confirmed when arranging your meeting. Our goal is to ensure that any face-to-face appointments are straightforward and convenient.

Dental & Medical Financial Services have been established for over 30 years. During this time, we have built long-standing expertise in the financial affairs of dental and medical professionals, helping them build, protect and enjoy their wealth.

We specialise in supporting dental and medical professionals and work with clients across the UK. Our sector expertise allows us to advise professionals regardless of location, providing tailored financial planning suited to their specific profession.

Our team consists of long-standing qualified specialists skilled and confident in the financial affairs of dental and medical professionals. We combine years of experience and study with sector-specific knowledge to deliver professional financial planning services. Darren Scott-Guinness is the lead financial adviser and is Diploma qualified (DiPFA), meeting the regulatory requirements to advise retail clients as an IFA.

Our reputation has been built over 30+ years of supporting dental and medical professionals. We are committed to delivering an efficient, first-class, professional service while retaining the personal touch. Testimonials can be found here and Case Studies can be found here. We also are an active member of Medics Money with a growing number of 5/5 star reviews.

We specialise exclusively in working with dental and medical professionals. We understand your profession, speak your language, and factor into every recommendation the financial obstacles and ever-changing circumstances you face. We combine boutique personal service with the backing of Benchmark Capital (owned by Schroders), giving you both specialist insight and institutional strength.

We support dental practice owners, associate dentists, GPs, hospital doctors and medical consultants across the UK. Our advice covers mortgages, practice finance, pensions (including the NHS Pension Scheme), investments, tax planning, estate planning, wealth protection and retirement planning.

There are no initial fees for an initial discovery call. Your initial consultation is designed to help us understand your needs and objectives before any recommendations are made. During this stage, we focus on learning about your financial position and long-term goals. Any fees or costs would be clearly explained before proceeding with further stages of planning.

The first meeting is about understanding your personal and business goals, family circumstances, and future plans. We require a short onboarding questionnaire to be completed securely ahead of the call. This ensures the time during the initial call to be used effectively, as the Q&A responses guide the discussion and help our advisors to prepare.

The initial consultation is focused on getting to know you. We discuss your family, career, personal objectives and business ambitions, along with your long-term financial goals. This information forms the foundation for researching appropriate financial strategies and preparing a bespoke financial report tailored to you.

The initial consultation is a detailed discussion designed to fully understand your current position and future plans. The time required depends on the complexity of your circumstances, including business interests or existing financial arrangements. We ensure sufficient time is allocated so your goals and concerns can be explored properly.

No. The first meeting is about understanding your needs and discussing how we may be able to help. Following research and analysis, we provide a bespoke report outlining our proposed financial plan. You are free to decide whether you wish to proceed with implementation.

Our team consists of experienced specialists who understand the financial affairs of dental and medical professionals. We are committed to delivering a professional yet personal service and will aim to match you with an adviser suited to your needs where possible.

We have a long-standing team of specialists, ensuring continuity of service. If your usual adviser is unavailable, another experienced member of the team can assist you. This ensures your financial planning remains supported at all times.

Financial planning is an ongoing journey that requires regular attention and review. As part of our ongoing service, we monitor your plan and adjust it as your circumstances evolve. We maintain regular communication to ensure your strategy remains aligned with your goals.

We provide strategic financial planning designed to help you achieve your long-term objectives. Through detailed research, analysis and bespoke reporting, we create tailored financial plans that consider both current and future circumstances. Our aim is to help you build and protect your wealth over time.

Financial planning is not a one-off event. As part of our ongoing services, we regularly review and adjust your bespoke plan to reflect changes in your personal or professional circumstances. This ensures your strategy continues to support your evolving goals.

Yes. We frequently work in partnership with other professional advisers such as solicitors and accountants. By collaborating with your wider advisory team, we help ensure your financial plan is aligned across all areas of your personal and business affairs.

We are experienced in providing mortgage and finance advice for dental and medical professionals. Where appropriate, we can liaise with other professionals involved in your financial arrangements to ensure a smooth and coordinated approach.

Dental & Medical Financial Services operate as a team of long-standing specialists. If your adviser were to leave, another experienced member of the team would continue to support you, ensuring continuity of service and ongoing management of your financial plan.

After research and analysis, we prepare a bespoke report tailored specifically to your needs and objectives. This outlines your proposed financial strategy and recommended actions. You will have the opportunity to review and discuss this in detail before implementation.

Yes. Clients have access to our Client Wealth Platform, which provides a transparent and consolidated view of your wealth position. This allows you to access up-to-date information about your financial position at any time.

Yes. Our Client Wealth Platform gives you easy access to your financial information. You are just one click away from current data about your overall wealth position, helping you stay informed and in control.

Financial planning is an ongoing process that requires regular review and adjustment. Meeting frequency will depend on your individual needs and circumstances. As part of our ongoing service, we ensure your plan is reviewed and updated over time to reflect your changing goals.

We provide mortgage and finance advice as part of our broader financial planning service for medical and dental professionals. If equity release forms part of your wider financial planning needs, this would be discussed during your consultation and assessed within your overall strategy.

Yes. We provide advice on pensions as part of our comprehensive financial planning service. This includes helping dental and medical professionals structure their retirement planning to build and protect long-term wealth.

Yes. We advise on pensions, including the NHS Pension Scheme, which is particularly relevant to many medical professionals. We incorporate occupational pension planning into your wider financial strategy to ensure it aligns with your long-term goals.

As part of our retirement and pension planning service, we review your existing pension arrangements and assess how they fit within your overall financial strategy. Where appropriate, we provide advice designed to simplify and align your pensions with your long-term objectives.

Tax planning is one of the key areas we support medical and dental professionals with. We incorporate tax-efficient strategies into your broader financial plan, helping you structure retirement income in a way that supports your long-term financial wellbeing.

We provide investment advice tailored to your personal goals and preferences. Investment decisions are supported by significant research and data analysis through our partnership with Benchmark Capital. Your investment strategy is built as part of your bespoke financial plan.

Yes. We provide strategic financial planning to help you build and protect wealth at every stage of your career and life. If you have received an inheritance, we can incorporate this into your wider investment and tax planning strategy to support your long-term objectives.

Yes. We advise on investments including SIPPs and ISAs as part of our tailored financial planning service. All recommendations are based on detailed research and analysis to ensure they align with your professional and personal goals.

We provide pension advice as part of our comprehensive retirement planning service. During your consultation, we assess your existing arrangements and advise on suitable options within the context of your overall financial plan.

Our retirement planning service focuses on helping you build, protect and enjoy your wealth over the long term. Later-life planning forms part of your holistic financial strategy, ensuring your wealth is structured to support you and your family in the future.

Yes. We advise on Wills, Inheritance Tax (IHT) and estate planning as part of our service for dental and medical professionals. Estate planning is incorporated into your bespoke financial plan to help protect your wealth for future generations.

Yes. We provide advice on investments including ISAs as part of our comprehensive financial planning service. Investment decisions are supported by research and data analysis through our partnership with Benchmark Capital, giving you access to structured and informed investment solutions.

Yes. Wealth protection is a core part of our service. We help dental and medical professionals protect their income and assets against worst-case scenarios through structured protection planning incorporated into your overall financial strategy.

Our financial planning process includes research, analysis, bespoke report preparation, implementation and ongoing services. Any charges for advice are discussed with you before implementation begins, ensuring full transparency. We believe in delivering professional, first-class service while retaining a personal approach.

The initial virtual discovery meeting is free and without obligation. Other fees will be discussed during this meeting for transparency.

We prepare a bespoke financial report tailored specifically to your personal and professional circumstances. The cost of this depends on the level of research, analysis and planning required. We ensure that any fees are explained clearly before proceeding with implementation.

Our charging structure depends on the nature of the advice and services provided. As part of our transparent approach, all fees are discussed and agreed before any implementation takes place. This ensures you understand exactly how your financial planning service is structured.

Our focus is on delivering tailored financial planning services supported by research, analysis and regulatory oversight. Any remuneration structure would be explained to you clearly and transparently before proceeding with advice or implementation.

Any applicable charges, including how fees are structured, are discussed with you before advice is implemented. We believe in providing clarity and transparency so you fully understand the costs involved in your financial planning service.

We combine over 30 years of sector-specific experience with institutional backing through our partnership with Benchmark Capital. This allows us to deliver boutique, specialist service supported by significant research and data analysis. Our aim is to provide value through expertise, tailored planning and long-term support.

A key differentiator at Dental & Medical Financial Services is also that we do not charge upfront fees when compiling investment recommendations. This means that you are fully invested from day one, avoiding the upfront costs that many wealth planners charge.

Please refer to the ongoing fee estimator tool on our website.

Yes. Retirement planning forms a core part of our financial services. We provide tailored advice on pensions, including the NHS Pension Scheme, investments and tax planning to help you build a structured and sustainable retirement strategy.

We specialise exclusively in working with dental and medical professionals. This includes dental practice owners, associate dentists, GPs, hospital doctors and medical consultants. Our services are tailored to the unique financial challenges and opportunities within these professions.

Yes. We work with dental and medical professionals at every stage of their career, from newly qualified associates through to established practice owners and consultants. Our financial planning is designed to support long-term wealth building and financial independence.

Yes. We regularly advise dental practice owners and professionals who operate their own businesses. Our services include practice finance, raising practice capital, partnership arrangements and broader personal financial planning.

Yes. We support professionals throughout their career lifecycle, including those approaching retirement. Our retirement planning service is designed to help structure pensions, investments and income strategies aligned with long-term financial security.

Yes. We provide strategic financial planning designed to build and protect wealth. If you have inherited assets, we incorporate these into your wider investment, tax planning and estate planning strategy.

Yes. We advise dental practice owners on starting, buying into, raising finance for and selling practices. Our experience within the dental sector allows us to support business owners through major financial transitions and structure the proceeds as part of their long-term wealth plan.

We provide holistic financial planning designed to protect and structure wealth over time. During significant life changes, including bereavement, we review and adjust your financial plan to ensure it continues to meet your needs and future goals.

We specialise in working with professionals within the dental and medical sectors. This includes business owners, associates and consultants. Our sector expertise allows us to tailor financial planning specifically to the demands and opportunities within your profession.

We specialise in advising dental and medical professionals within the UK. Advice is tailored to UK-based financial planning, tax considerations and regulatory frameworks.

Yes. As part of our research and analysis process, we review your existing investments and pension arrangements. This allows us to assess how they fit within your overall financial strategy and identify opportunities to align them with your long-term goals.

We work with dental and medical professionals at various stages of their careers and financial journeys. Because every client has unique circumstances and requirements, suitability is discussed during the initial consultation to ensure we can deliver appropriate and effective financial planning support.

We are committed to delivering an efficient, first-class and professional service while retaining a personal approach. As a regulated firm supported by compliance oversight, we follow established procedures to ensure concerns are handled appropriately. Details of our complaints process are available upon request.

Confidentiality and trust are central to our client promise. We use secure systems and technology, including a Client Wealth Platform, to ensure safe and controlled access to financial information. Protecting your data is an essential part of maintaining long-term client relationships.

We operate within a regulated framework with compliance support provided by Best Practice. As part of maintaining professional standards and regulatory compliance, appropriate safeguards are in place to support the delivery of financial advice.

We operate within a regulated environment with compliance oversight provided by Best Practice. Full regulatory details, including authorisation information, can be found within our regulatory disclosures or confirmed directly with us upon request.

We have supported dental and medical professionals for over 30 years, helping them build, protect and enjoy their wealth. Our experience spans dental practice owners, associate dentists, GPs, hospital doctors and medical consultants. Further information about our work and client experiences can be discussed during your consultation.

We build long-term partnerships with our clients and focus on delivering a professional yet personal service. Ongoing review and regular communication form part of our commitment to ensuring your financial plan continues to meet your needs. Client relationships are developed and refined over time.

Dental & Medical Financial Services partner with Benchmark Capital, owned by Schroders, providing access to significant research and investment infrastructure. We combine the benefits of a boutique business with the backing of an established enterprise. Further details of partnerships and affiliations can be provided upon request.