What services do you offer at Smile Financial Life Planning?

We offer a range of comprehensive financial planning services, including business and personal financial planning, tax-efficient strategies, NHS pension scheme navigation, SSAS expertise, and holistic financial well-being support.

How does your non-intermediating service work?

Our non-intermediating service means that we do not sell financial products. Our planning is entirely focused on your best interests, free from conflicts of interest often associated with commission-based product sales.

Who can benefit from your services?

Our services are specifically designed for dental practitioners, health service professionals, and their families. We understand the unique financial challenges faced by those in the healthcare sector and tailor our advice accordingly.

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What is the cost of your services?

We charge project based fees for our NHS Clarify and Financial Life Planning services. Please refer to the "Pricing" section for details. This transparent pricing ensures you only pay for the time and expertise you need.

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How do I get started with Smile Financial Life Planning?

Getting started is easy! You can book an initial consultation via email. During this meeting, we’ll discuss your financial goals and how we can help you achieve them.

How do you ensure my financial plan is personalised to my needs?

We take a holistic approach to financial planning, considering all aspects of your financial life. Our process begins with a thorough understanding of your current situation, goals, and challenges, ensuring that the advice we provide is tailored specifically to you.

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What is the NHS Pension Scheme, and how can you help with it?

The NHS Pension Scheme is a complex retirement plan available to NHS employees. We have over 20 years of expertise in navigating this scheme, helping you understand your options, manage allowances, and plan for a secure retirement.

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Can you help me with tax-efficient strategies for my business?

Absolutely. We specialise in creating tax-efficient financial strategies that help you retain more of your hard-earned money, whether it’s through optimising cash flow, making pension contributions, or managing profits.

What is SSAS, and why should I consider it for my dental practice premises?

A Small Self-Administered Scheme (SSAS) is a type of pension scheme that offers significant tax advantages, particularly for business property investments. We can guide you through the process of placing your dental practice premises in a SSAS to maximise these benefits.

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How often will we review my financial plan?

We offer ongoing support, including regular reviews and adjustments to your financial plan. This ensures that your plan remains aligned with your goals as your circumstances change over time.

What makes Smile Financial Life Planning different from other financial advisers?

Our focus on non-intermediating, holistic financial planning sets us apart. We prioritise your well-being in all aspects—financial, physical, mental, and emotional—ensuring that our advice supports your overall life goals, not just your financial ones.

How can I learn more about financial planning?

We offer a range of educational resources, including our MoneyFitt Financial Education Library and Financial Planning Blog, to help you deepen your understanding of financial planning and make informed decisions.