Look to the future – Selling your practice

Ideally, retirement is an exciting time, which if prepared for properly, should see career efforts come to fruition. However for some, retirement is an event that has not been prepared for and inevitably will fill individuals with uncertainty. Knowing where you stand with pension and retirement planning is crucial, and the first step towards planning […]


Self Invested Personal Pensions (SIPPs) may be in vogue in the financial press, however are they really suitable for all dentists. Since “pension simplification legislation” took effect in April 2006 the interest in SIPPs has gathered momentum as investors have become increasingly interested in the concept of managing their own investment portfolio for pension provision. […]

Initial aspects of Selling a Practice

You may have been thinking for some time of retirement; moving to a less responsible position as an Associate or making a new career move. Whenever the thought of selling your Practice becomes fixed then your first move should be to have your Practice valued by an experienced valuer and you need look no further […]

The NHS Pension- secure in the eye of the financial storm?

With a diet of negativity on mortgage borrowing from the national press and savings rates at a historically low level many dentists are wondering in which direction their financial planning is heading. With a raft of recent changes to the NHS Pension Scheme we recap here on the specific benefits for dentists and consider if […]

Practice Protection – implications of employment law

ACAS has published its annual report for 2007-2008 The figures show a 50% rise over the last year in the number of tribunal claims received by ACAS for conciliation, from 105,177 to 151,249. With some Employment Tribunal claims including multiple complaints, the total number of complaints rose from 180,420 last year to 227,497 this year […]


Libran is delighted to offer a new recruitment service that has been designed to reflect concerns expressed by a number of clients regarding their staff. On closer investigation we have concluded that many dentists employ the wrong people in the first place because their interviewing techniques are either poor or they really don’t have a […]

Mortgages and interest rates – Where are we now?

2008 and 2009 were great years for mortgage borrowers with variable rate loans. The Bank of England tried desperately to shore up the economy with successive cuts perhaps ending in the historically low rate of 0.5% in March 2009. Past experience shows it is only a matter of time before rates begin to creep up. […]

Selling your practice?

As many dentists have found, there has been a dramatic increase in the value of dental practices over the last few years, prompting a number of dentists to seriously consider selling their practices earlier than planned. In recent times practice values have been driven upwards by unprecedented demand from both ‘Body Corporates’ and individual dentists. […]

The Death of Retirement as we know it?

Some statistics from Edinburgh based pension provider Standard Life PLC: “One in three 46-65 year olds want to keep working in new jobs- ‘on their own terms’ after the official retirement age” “51% plan to travel more in their long-term future” “By 2050 people will live for an average of 30 years on reaching age […]