Our Services
At Smile Financial Life Planning, we specialise in helping Dental Practitioners, Doctors and Health Service Professionals take control of their financial futures. We know that your time is precious and that managing finances can be overwhelming, especially with the demands of your profession. That’s why we offer tailored, expert advice to simplify your financial life, reduce stress, and maximise your wealth.
Holistic Financial Planning for Financial Success
Clarity on NHS Pension Scheme Membership
The "Clarity on NHS Pension Scheme Membership" service provides tailored advice to help NHS professionals understand and maximise the benefits of their pension scheme, ensuring they make the most of their Annual Allowance and secure a comfortable retirement.
Personal Financial Life Planning
Empowering you to make the best financial decisions for you and your family. Providing clarity while exploring options for creating greater tax efficiency. We’re here to help. We’ll help you maximise family allowances, ensuring you make the most of your financial opportunities.
How We Transform Your Financial Challenges into Opportunities
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Expert Financial Planning
With over 20 years of specialised experience, we provide strategic advice that saves you time and helps you focus on what you do best—caring for your patients. We understand the unique financial challenges you face and are here to offer solutions that work for you.
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Non-Intermediating Services
We believe in providing advice that’s in your best interest, without the conflicts of interest that come with selling financial products. Our holistic approach ensures that every recommendation we make is focused solely on your needs and goals.
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Tax-Efficient Strategies
We’ll help you create a tailored financial plan that optimises your tax situation, keeping more of your hard-earned money where it belongs—in your pocket. From business tax efficiency to personal tax planning, we’ve got you covered.
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​NHS Pension Navigation
The NHS Pension Scheme can be complex, but with our deep expertise, we’ll guide you through your options to manage allowances effectively and plan for a secure retirement. We’ll help you make informed decisions that safeguard your future.
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SSAS Expertise
If you’re considering placing or already have your dental practice premises in a SSAS (Small Self-Administered Scheme), we bring 20 years of specialised knowledge to the table. We’ll ensure you maximise the financial benefits and tax efficiencies of your property investments.​​
Our Approach
1. Holistic Perspective
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We take a holistic view of your financial situation. We don’t just look at your business or personal finances in isolation; we consider your entire financial picture to create a plan that supports every aspect of your life.
2. Client Well-being Focus
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Your physical, mental, emotional, and spiritual well-being is at the heart of our planning process. We believe that true financial health encompasses all these areas, and our plans are designed with this in mind.
3. Integrity
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With a reputation for fairness, honesty, and kindness, you can trust us to guide you with integrity. Our commitment to transparency ensures you always know where you stand.
4. Cultural Sensitivity
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We understand that every client is unique, and we respect and embrace diverse backgrounds. Our advice is personalised to fit your specific circumstances and values.
5. Innovative Strategies
We’re not just about preserving wealth; we’re about creating it. Our proactive, strategic planning helps you build and grow your financial assets, setting you on a path to long-term success.
How We Work
Our service delivery model is designed to be seamless and supportive, ensuring you receive the guidance you need, when you need it.
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Client Onboarding
Your journey with us begins with an initial consultation, where we’ll discuss your financial goals, challenges, and the unique aspects of your situation. This helps us tailor our services to meet your needs.
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Service Delivery
We offer one-to-one personal financial planning that covers:
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Personal Financial Planning: Ensuring your personal finances are in order, from cash flow management to retirement planning.
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SSAS and NHS Pension Expertise: Providing specialised advice on SSAS property decisions and navigating the NHS Pension Scheme.
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Business Financial Planning: Helping you retain cash within your business, optimise tax strategies, and plan for growth.
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Ongoing Support
We don’t just set you up and leave you to it. We’re here for regular reviews and adjustments, ensuring your financial plan evolves with you. From annual reviews to retirement planning, we’re committed to supporting you every step of the way.
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Our Pricing​
Our services are project based reflecting the value of our expertise and the personalised attention you’ll receive. This straightforward pricing model ensures you get the best possible advice without any hidden costs or surprises.
We DO NOT charge a percentage fee for helping and guiding you to manage your wealth. Our fees are based on the planning and guidance required for you personally and not related to your investment size or product sales.
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​​Services and fees:​​
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Exploratory Meeting (25 minutes) - No Charge.
​NHS Pension Scheme
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Retirement Options (McCloud Remedy) Clarity - £775​​​​​​
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Post-Retirement Options (McCloud Remedy) Clarity - £395
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Membership Clarity (1995/2008/2015 Schemes) - £495 ​​​​
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Membership Clarity (2015 Scheme) - £245
Initial Review​​​​
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Financial Life Planning (Without Ongoing FLP Subscription)
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Clarify Only - £1,995​​​​
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Financial Life Planning (With Ongoing FLP Subscription)
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Clarify with Ongoing - £996​
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​​​Help and Guidance for self implementation of financial products.
- As we do not provide financial advice on FCA regulated products (For example, Personal Pension Plans, Self-Invested Pension Plans (SIPPs), Investments or Protection Plans) we will either guide you to self implement or refer you to an FCA Regulated Adviser to implement.​​
Ongoing Financial Life Planning (FLP) Subscriptions​
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​Available on request and assessed on your needs.
Our services and applicable fees specific to your particular needs and requirements will be confirmed and agreed with you in writing before commencing any work.​
Take Control of Your Financial Future
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Your financial well-being is too important to leave to chance. At Smile Financial Life Planning, we’re here to help you transform financial stress into financial success. Whether you’re struggling with time constraints, tax efficiency, or navigating the complexities of the NHS Pension Scheme, we’re ready to guide you towards a secure and balanced financial future.
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Contact us today to schedule your consultation and start your journey towards peace of mind and financial security.