Does any of this sound familiar? 

  • You earn well, but you’re not sure how much tax to set aside or how much cash you can safely take out
  • You’re weighing up self-employment versus a limited company and nobody has given you a clear answer
  • NHS pension rules and annual allowances feel like a maze
  • You want to own a practice one day, but don’t know where to start
  • You own a practice, but your numbers arrive too late to help you make decisions
  • You’d love to know what your practice is really worth, and how to increase it

If you nodded at even one of these, you’re in the right place.

Accountants who understand dentistry inside out

Dentistry has its own rules, income streams and pressures. NHS contracts and UDA income, private treatments, associate arrangements, laboratory costs, pensions: understanding the financial side of dentistry takes more than general accountancy knowledge.

At A4G, we’re advisers first and Chartered Accountants second, because it’s all about the advice, not just the numbers. We’ve been advising businesses for more than 30 years and have specialised in dentistry for over 15. We know the questions you’re asking because we hear them every week, and we give you practical answers, not a page of technical jargon.

We work with practice owners, principals, associates, specialists, hygienists, therapists and technicians, helping them make informed decisions at every stage of their career.

How we help dentists

If you’re an associate dentist

Your income is growing. Your options are growing too, and so is the risk of getting them wrong.

  • Know what to set aside. We’ll work out your tax reserve and payments on account, so January never comes as a shock
  • Sole trader or limited company? We’ll show you what makes sense at your income level, including whether NHS work can stay outside a company and when private work is worth structuring differently
  • Claim every expense you’re entitled to. CPD and specialist training, laboratory fees, travel between practices, home office costs, indemnity insurance, equipment and more. Many associates miss out on relief they’re due
  • Take your income tax-efficiently. Salary or dividends? How much, and when? We’ll help you keep more of what you earn
  • NHS pension support. We’ll help with calculations, annual allowance and lump sum allowance questions, and your annual declaration on Compass
  • Your route to ownership. Buying your first practice? We’ll advise on structure, holding companies, deposits and how lenders will view the deal, all before you commit

If you’re a practice owner

You didn’t open a practice to become a spreadsheet expert. We’ll do that part for you.

  • Management accounts you’ll actually use. Up-to-date figures on your practice’s financial health, so you can spot trends early and make decisions based on facts, not gut feel
  • See beyond your bottom line. Our 3D approach to profit analysis shows exactly where your money comes from and where it goes, by income stream, department, associate or any segment that matters to you
  • Reverse-engineered annual targets. We start with the outcome you want and work backwards, setting clear, achievable goals and tracking progress with you
  • Pre-year-end tax planning. We’ll minimise your tax bill, improve your cash flow and make sure no relief or allowance goes unclaimed
  • Know what your practice is worth. We’ll value your practice using EBITDA and show you what you can do to increase that value
  • The big decisions, planned properly. Whether to buy your premises, how to fund your retirement from the practice, and how to keep good associates.
  • Time back for life outside dentistry. We’ll help you delegate and streamline, so your practice supports your work-life balance rather than taking it over

If you’re thinking about buying, growing or selling

This is where good advice pays for itself many times over.

  • Funding your next move. Buying a second practice or expanding your current one? We’ll help you structure the deal and present it to lenders with confidence
  • Understand the price. We’ll explain how goodwill is valued and how NHS contracts affect what a practice is worth
  • Be ready for due diligence. We’ll show you what buyers and lenders will want to see, and help you prepare it well in advance
  • Sell tax-efficiently. We’ll plan your exit early, so you get the most from the sale and keep more of it
  • One joined-up team. We work alongside specialist dental brokers and IFAs, so everyone is pulling in the same direction

Why dentists choose A4G

As specialist dental Chartered Accountants and advisers, we’re dedicated to helping you increase practice value, reduce your tax burden, build personal wealth and create a better work-life balance.

Deep dental industry expertise

With 15+ years of experience, we understand the specific challenges and opportunities in the dental sector

A team who knows you

With our two-person approach, you’ll always have people who know you and your practice, so you’re never starting from scratch or explaining yourself twice

Wealth and future planning

Your practice should fund the life you want. We help you take profit tax-efficiently, plan for retirement, protect your family’s wealth and prepare for a well-timed exit

Your accountability partner

We set goals with you, track your progress and keep you moving towards what matters, for your practice and for you personally.

  • “Before A4G, I only really heard from my accountant at year end. Now we have monthly figures I actually understand, clear targets for the practice and someone holding me to them.  For the first time I know what the practice is worth and what I need to do to grow it. It feels like having a team in my corner, not just someone doing my accounts.”

Meet your dental team

Emma White

FCA

Co Managing Partner

01474 853856
Learn more
Mitch Ewer

Mitchell Ewer

ACA

Partner

Learn more

FAQs

A dental accountant does far more than file your tax return. We help you choose the right structure, plan your tax, claim every allowable expense, manage NHS pension questions, understand your practice’s profitability and value, and plan buying, growing or selling a practice.

Yes. We work with NHS, mixed and fully private practices, and we help you get the most from both, including how the split affects profitability, pensions and practice value.

Absolutely. Many of our clients start as associates. We help with tax, expenses, incorporation decisions and planning the path to practice ownership.

It depends on your income, how much of your work is NHS and how much you need to draw. A company can save tax on private income, but it isn’t right for everyone, and your NHS pension needs to be part of the decision. We’ll compare both options using your own figures, so you can see the difference before you commit.

Common allowable expenses include CPD and specialist training, laboratory fees, indemnity insurance, professional subscriptions, equipment, travel between practices and home office costs. Many dentists miss out on relief they’re due, so we review your costs each year to make sure nothing is overlooked.

Yes. Through management accounts, our 3D profit analysis and reverse-engineered targets, we show you exactly where profit is made and lost, then help you act on it.

Most practices are valued on a multiple of EBITDA, with the mix of NHS and private income, the strength of the patient list, the premises and associate arrangements all affecting the price. We’ll value your practice and show you the practical steps that will increase that value.

Yes. We advise on structure, funding, goodwill and valuation, due diligence and tax-efficient exit planning, working with specialist brokers and IFAs where helpful.

Yes. We can assist with calculations and submissions, advise on the annual allowance and the lump sum allowance, and help with your annual declaration on Compass.

If your accountant only contacts you once a year, can’t answer dental-specific questions, or hasn’t told you what your practice is worth or how to keep more of your income, it’s probably time for a conversation.

Very easy. Once you decide to move, we contact your current accountant, collect the information we need and handle the handover for you, so there’s nothing for you to chase.

It depends on your needs, whether that’s an associate’s tax return or full management accounts and strategic support for a practice. We’ll give you a clear, fixed quote after your free consultation.