
Minesh Patel breaks down the hidden legal and lifestyle risks that can quietly undermine long-term financial autonomy in dentistry.
In my first article, we addressed financial foundations: tax reserves, compliance and financial protections.
I then examined advanced tax mechanics and increasing income retention: the £100,000 threshold, student loans, pension relief and the nuances to incorporation.
This final instalment confronts the risks that most dentists and dental care professional (DCP) do not see coming, and these do not arise from poor Individual Savings Account (ISA) or Self-Invested Personal Pension (SIPP) investment choices.
Instead they stem from risks such as unplanned incapacity, premature death, gradual lifestyle inflation and inadequate legal and estate planning.
The legal blind spot of capacity and control
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