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Stop Losing Thousands To HMRC Every April
And Start Building Wealth With The Blueprint UK Dentists Use To Invest Safely And Smartly Whilst Also Reducing Their Tax Burden (Whether They Are Brand New OR Already Intermediate Investors)

Dr. James Martin here…

A few years back, I went from drilling and filling in Leeds to spending the majority of last year in Dubai.

 

But this journey wasn’t planned… not at all

The real goal had been to invest in my training as a dentist, enjoy a profitable 20 years or so, then jump into early retirement.

But A Seemingly Innocent Game Of Football Turned My Career On Its Head:

My knee: badly dislocated

Its internal ligaments: torn in half

My dental career: on permanent pause (wasn't able to walk as I needed surgery)

Turns out, good health is far from guaranteed.

Which means a career in dentistry is not always the safe harbour it might seem.

And that’s without factoring in everything else potentially affecting your bank balance in the UK right now:


The GDC who aren’t always our friend, global political instability, supermarket prices that rise and never seem to quite go back down again (you’re probably spending as much as 40% more on some products since pre-COVID)…

Then There’s The Taxman Who Receives A Big Slice Of Our Cash Every 6 months

It’s not always obvious at the time, but between inflation and taxation we are giving away a lot of our hard earned cash

Let me explain:

In 2025, the average UK Dentists Income equates to roughly £80,000

That means that they would have paid circa £25,000 in tax

That’s 30% gone instantly before it’s ours.

And our money is also constantly losing value due to inflation as well

Meaning that we are getting squeezed at both sides

And If you are earning more than the average dentist - that also means you will be giving away even

more than this figure too...

The cumulative loss to our wealth and the wealth of our family is HUGE

It stacks up day after day, year after year.

And never, ever stops.

That is of course, until we understand fully the language of money and therefore can protect what is ours....

And just so you know — this isn’t about loopholes or grey areas. It’s all HMRC-compliant, and it’s built for dentists. No gimmicks. No jargon. Just stuff you can actually use.

I'm referring to the financial know how that all dentists need to know but university never gave us. Both the common mainstream things that we really could be doing so much better AND the lesser known methods which are equally valuable and just as (if not more so) useful.

For example

  • The best ways in 2025 to keep more of what you earn
  • The most tax efficient investing accounts possible - and how to use them PROPERLY
  • How to invest that money building up in your limited company and structure this correctly
  • How to create a financial plan that will allow you to generate passive income from your wealth
  • How to take complete control of your own investments retaining your independence
Dentists Commonly Ask “How Do I Invest My Money To Reduce My Reliance On Dentistry?”

The obvious answer the majority of people default to is giving 3% a year to a highstreet Financial Adviser (FA).

But… that wasn’t for me.

Three reason why:

1) I like to stay in control of my finances and…

2) Stories in the press about bad players making biased recommendations that cost investors dear (reading those headlines made me think there has to be a better way)...

3) That 3% ongoing payout to an FA felt like paying a penalty for success, where the more my investments made, the more I’d lose in the form of bigger and bigger payments going out the door…

(Not knocking FAs, by the way. There’s a LOT of true professionals out there, and sometimes we all need professional advice. And that’s why when you can have an informed discussion with an adviser, you truly know how to get the best deal)

What helped was I’d already spent the years prior to my injury putting myself through “school” again…

Spent my days reading and studying every top-rated book, podcast, and course I could get my hands on about investments, often stumping up hefty fees to talk to legit experts one on one.

Then I used that same information to build a precision portfolio that’s ticking along quite nicely today.

But along the way, I realised a couple of things.

The first is how the entire process could have been a heck of a lot simpler… if only I’d known how.

The second is this…

UK Dentists Aren’t Getting The Fairest Of Deals

Most of the financial information out there is either:

  • Generic off the shelf and intended for the general public
  • Doesn’t explain the unique strategies available specifically for UK dentists
  • Isn’t up to date for 2025
  • Doesn’t focus on the UK and its unique tax/investing system
  • Or focuses exclusively on the American market…

It also doesn’t help that our own accountants usually too busy to share with us the simple methods that can be used to save tax/invest tax efficiently.

“Small Details Make A Big Difference When Designing An Investment Portfolio”

For example:

From where I’m standing, investing is all about getting your choices back.

To keep working and building your legacy…

Or retire early to spend time with family, travel and do charity work…

But the process you follow to have that happen often comes down to precision details that make all the difference to success or failure:

  • Settling the debate about being a sole trader and a limited company…
  • Navigating what to do if you no longer have the NHS pension (we’ll demo how to create a private one)
  • The different forms of ISA and the pros and cons of each…
  • What you can do to cash inside your limited company and structure your company correctly for this. And also minimise Inheritance Tax here for the benefit of your kids.
  • And just how does one design and optimise your own investment portfolio…
  • Plus many (many) more details I could add
No Wonder The Majority Of UK Dentists Feel “Stuck” In The System

(I certainly did until I figured a lot of this stuff out)

What lulled me into a false sense of security was the same thing that messes up most new investors…

Lack of quality information specific to dentists.

Turns out, knowledge really is power.

And when you understand and follow the simple rules that separate winners from losers in the investment arena, you can

 

  • Save a hefty chunk of change on tax while you’re at it
  • Outperform 98% of other investment portfolios

Take back control of your own money (let’s face it, the person who cares the most about YOUR money is YOU)


And that’s what I want for you:

To give you access to the right information.

To become as tax efficient as humanly and legally possible

And start building compounding wealth starting today.

But while I’ve learned a lot on my journey, and continue to learn every day that passes, I still don’t consider myself to be a true expert. Which brings me to the fun part…

 

I Teamed Up With Luke Hurley, The Best Financial Planner I Could Find.
And Together We Built...
The Dentists Who Invest Academy™—Your One Stop Shop To Master Investing, For UK Dentists Only.

No one cares about your money like you do.

But before I tell you what’s inside, let’s address the elephant in the room:

Will it work?

Look, I can’t guarantee markets.

Nobody can.

But I turned losing my career into multiple new revenue streams…

And turned an uncertain financial future into a stable, optimized portfolio of investments that continue to grow today.

This same playbook has helped hundreds of dentists already, all over the UK to:

Set up 90% of their own investments (sometimes more, sometimes less depending on comfort and tolerance level)

Finally become tax-efficient and be able to have some informed conversation with your accountant to ensure they are covering ALL bases

Sit down with an accountant/financial professional and make smarter choices from a place of education (no more saying “yes” without really knowing what they are talking about and hoping for the best)

The Academy Takes You Behind The Scenes Of What Happens When An Expert Plans Your Finances…
For Tax Efficient Investing, Optimising Your Pension, ISAs, Passive Income, And More…

At Videre, our own Financial Planning company, we use this exact playbook with new clients to get them up to speed fast.

But while other people might shy away from sharing this information, we believe the more you know, the better we can help you, and the more confident you will feel.

Here’s what the Academy is NOT:

  • The Academy is NOT a service (like a Financial Planner), although you do get full support from Luke Hurley, Financial Planner (keep reading)
  • The Academy is NOT a substitute for a great accountant (but you can do a lot of great stuff yourself)
  • The Academy is NOT a sink-or-swim solo mission (we will be there to sense check everything)

Instead, the Academy is a dentist-specific investing user-manual.

Inside, we pull the curtain back on what pros like Videre do, without forcing you to hand over control to us, “them”, or anyone else.

It’s almost like a trade secret handover, tailored to your career and circumstances.

No chasing quick wins that’ll get your fingers burned.

No trying to beat the market and getting egg on your face.

No hype or fads that leave newbies out of pocket.

Just safe hands for your savings.

Your hands.

With our full support.

You’ll either be confident enough to take action yourself.

Or if you go into a conversation with a professional…

You won’t be sleepwalked into accepting services that don’t serve your goals.

Instead, you’ll know what to say to get the best bang for your buck while protecting your assets.

“But James! Quick Question:

Shouldn’t You Be A Multi-Millionaire Already?”

Not quite yet… 😉

Investing simply doesn’t work that way.

At least, not the safe and steady methods Luke and I prefer.

Sure, if we’re talking about the stock market, you could get lucky and pick a winner.

(Think buying Amazon shares in the 90s)
But most of the time it’s just about doing the smart stuff consistently and then letting the results come. So no, I’m not a multi-millionaire yet.

 

Or even a millionaire.

 

But here’s what I most definitely am:

Companies who say they pick winners often have 3 or 4 big winners they can brag about…

But they conveniently ignore the dozens (or hundreds) of recommendations they made over the years.

All of which their followers presumably invested in, hoping for a big pay day that never quite materialized.

Ultimately, when it comes to beating the market, it's like that old saying…

 
✅ A damn-sight better off than I would be if I’d ignored the information inside The DWI Academy™…
✅ Equipped with multiple profitable revenue streams that I would otherwise lack access to (The Academy™ touches on side hustles, and the Informed Investor Club calls go deeper upon request)
✅ Secure in my future and retirement plans (as much as anything can be said to be secure in this topsy-turvy world)
✅ Ensuring that I keep as much of my hard earned money as possible in my own bank account and not giving it away an unnecessary amount to HMRC
✅ Living a far more stable, exciting, enjoyable and liberating lifestyle than I ever dreamed possible If that sounds interesting, here’s how it works:
How The Academy™ Short Cuts Your Journey To Drag Almost Fully Independent Investing

Although there are 98 lessons inside of The DWI Academy™…

Chances are great you won’t need all of them…

Of course, we’re here to help point you in the right direction… all you have to do is ask

That means we can make this journey as smooth and efficient as possible for you

And ensuring that next tax season HMRC are only getting what they are due (and not more)

Here's the best bit…

We have a special offer available right now, but only for a limited time. If you join now you'll receive the first 14 days of your membership entirely for FREE

This is something we have created specifically for the Dentists Who Invest community. You will not see it on the main website, and once the deadline passes, it will not be available again.

After your first month continued membership of the platform is a modest £23 per month. We'll be updating the platform every fortnight with new content and deals therefore confident to say that it will make sense for you to stick around. The money saved from these alone means the club pays for itself very fast.*

If you are ready to get started, here is all you need to do:

➜ Click the button below that says Add To Cart
➜ On the next page, enter your details and complete your payment using a credit or debit card
➜ You will receive your confirmation and login details by email within a few minutes
➜ And from there, you simply dive in + start collecting your verifiable CPD and saving money on great deals.

Add to Cart

Looking forward to see you on the inside,

– Dr. James Martin

All of these perks are designed to support you, strengthen your finances and put more money directly in your pocket so you have more for what really matters...

Let's Go
The Academy Takes You Behind The Scenes Of What Happens When An Expert Plans Your Finances…
For Tax Efficient Investing, Optimising Your Pension, ISAs, Passive Income, And More…

At Videre, our own Financial Planning company, we use this exact playbook with new clients to get them up to speed fast.

But while other people might shy away from sharing this information, we believe the more you know, the better we can help you, and the more confident you will feel.

Here’s what the Academy is NOT:

  • The Academy is NOT a service (like a Financial Planner), although you do get full support from Luke Hurley, Financial Planner (keep reading)
  • The Academy is NOT a substitute for a great accountant (but you can do a lot of great stuff yourself)
  • The Academy is NOT a sink-or-swim solo mission (we will be there to sense check everything)
Discounted indemnity for dental associates
Reduced insurance rates for practice owners
Lower lab bills for practice owners
Access to the Dentists Who Invest Store

What To Expect:

When you join the Smart Money Members Club (SMMC), you immediately gain access to over 150 hours of business/finance content. Inside, you will find clear and practical lessons across a wide range of categories such as finance, tax, investing, business fundamentals and more. There's even the option of learning about the world of crypto and how you can safely begin to get involved in that world should you so wish.

Each video comes with verifiable CPD, which means you will never run out of CPD ever again. Every time you learn, you continue to build your professional development at the same time.

You will also unlock a full suite of discounts and special offers designed to support both associates and practice owners. These are all designed to save money on the necessary expenses we face as UK Dentists. The platform is designed so that the saving on these alone significantly increases take home income.

This includes reduced indemnity rates for dental associates/principals, exclusive insurance discounts for practice owners, lower lab bills and ongoing savings on dental supplies and materials.

What have UK Dentists gained from the

Smart Money Members Club

Smart Money Members Club FAQs

Add to Cart

"Before I started 
I was pretty clueless on money and finances…
Now I know how to structure my finances…
How to talk about money better and…

Do it with confidence." 

-Dr. Arti Shah, London

* Discounts contingent on remaining an ongoing member of the Dentists Who Invest Smart Money Members Club