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Here are our real Case Studies
Using bespoke financial software and expert guidance, we help dentists spot hidden leaks, protect margins, and grow take-home pay.
Associate Case Studies
How an Associate Built £128,450 in Reserves and Bought Their First Practice in 18 Months
Background
A full-time associate in the South of England earning £142,780 per year across two practices. Despite strong income, they felt stuck — paying high tax, with little savings, and no clear route to ownership.
What went wrong
Most income was withdrawn monthly to cover lifestyle costs. No structured savings plan existed, meaning deposits for loans were out of reach. Bank finance looked impossible without proof of consistent reserves.
What we did together
Through bespoke financial software and structured planning, we:
• Reduced unnecessary personal spending by £1,380 per month.
• Set up an automated reserve account, building cash steadily.
• Modeled ownership scenarios so the associate knew the deposit required and the income impact.
What is the result
In 18 months:
• Personal reserves grew to £128,450.
• A bank-approved loan was secured for a £685,000 practice acquisition.
• The associate became a first-time practice owner — with financial systems already in place for smooth transition.
How an Associate Turned Surplus Income into a £214,600 Retirement Fund in 5 Years
Background
A private practice associate in London earning £168,420 per year. They enjoyed clinical work and had no desire to become a practice owner — but felt their income wasn’t translating into long-term security.
What went wrong
Despite high income, spending crept up. Tax bills were paid late, savings stayed in a low-interest account, and no pension contributions had been made for 4 years. At age 36, the associate worried about having “nothing to show” for years of work.
What we did together
Using bespoke financial software and structured planning, we:
• Identified £1,780 per month of surplus income.
• Set up a SIPP (Self-Invested Personal Pension) and began regular contributions.
• Created an investment plan split between pension and ISA accounts for tax efficiency.
What is the result
In 5 years:
• The associate’s pension and investments grew to £214,600.
• Annual tax bills were forecast and paid in advance, removing stress.
• The associate now works 4 days per week, confident their future wealth is secured.
How an Associate Increased Take-Home by £1,486 per Month With Clear Benchmarks
Background
A mixed-practice associate in the Midlands working 3 days per week, producing £312,480 annually. Their contract paid 45% of gross fees, minus labs.
What went wrong
Without clarity on chair hours or daily benchmarks, the associate often felt undervalued compared to colleagues. Pay varied month to month, and lab bills cut deeper than expected. The lack of transparency caused frustration with the practice owner.
What we did together
With bespoke financial software and structured reporting, we:
• Broke down production by daily and hourly output.
• Compared actual profitability against their contract split.
• Set realistic daily targets aligned with chair utilization and lab costs.
What is the result
Within 6 months:
• Daily output rose by £420.80, improving consistency.
• Net take-home increased by £1,486.40 per month.
• Conversations with the principal shifted from emotional to fact-based, strengthening trust.
Mixed Practice Case Studies
How a Mixed Practice Balanced NHS and Private Income to Unlock £112,384 in Extra Profit
Background
A 3-chair mixed practice in the Midlands generating £1,084,275 annual turnover — 55% NHS and 45% private — with 2 associates and a hygiene-led recall system.
What went wrong
The NHS contract guaranteed stability but paid late, while private treatments boosted revenue but carried higher lab and material costs. Profit margins shrank to 12.6%, leaving the owners taking inconsistent drawings of just £4,950 per month each.
What we did together
Using bespoke financial software and structured planning, we:
• Built a side-by-side analysis of NHS vs. private income streams.
• Identified private treatments where profit per chair hour was below benchmark.
• Reallocated chair time to higher-value private work while protecting NHS UDA delivery.
What is the result
In 10 months:
• Net profit rose by £112,384.40.
• Margin improved from 12.6% to 18.9%.
• Partner drawings increased from £4,950 to £7,940 per month each, with full clarity on how NHS and private streams work together.
How a Mixed Practice Cut Staff Costs by 6.8% and Increased Partner Drawings by £1,962 Each
Background
A 4-chair mixed practice in the South East with £1,326,480 annual turnover — 60% NHS, 40% private — and a team of 16 staff.
What went wrong
Staff costs had climbed to 33.4% of revenue (well above benchmark), driven by overtime and inefficient chair utilisation. Despite good patient flow, net profit fell to 11.2%, and partners’ drawings dropped to just £5,380 per month each.
What we did together
• Using bespoke financial software and planning, we:
• Benchmarked staff costs against top-performing mixed practices.
• Restructured rotas and improved chair utilization by 11.6%.
• Shifted some diary time toward higher-value private treatments to improve margins.
What is the result
Within 9 months:
• Staff costs fell from 33.4% to 26.6% of revenue.
• Net profit margin rose from 11.2% to 17.5%.
• Partner drawings increased by £1,962 each per month, and the practice built a £102,450 reserve for stability.
Multi-Location Case Studies
How a 5-Practice Group Built a £362,740 Reserve and Opened a Sixth Site Without Stress
Background
A 5-practice group in London generating £6,147,320 annual turnover with 96 staff and 22 associates.
What went wrong
The owners wanted to acquire a sixth site, but cash was tight. Two locations were underperforming, and bank finance would have left them exposed. Expansion risked pulling the whole group into financial strain.
What we did together
With bespoke financial software and strategic planning, we:
• Identified £218,640 in hidden cost leaks across the group.
• Built a dedicated expansion reserve fund from improved performance.
• Stress-tested the group’s finances to ensure the new site could be absorbed safely.
What is the result
In 18 months:
• A £362,740 reserve fund was built to self-fund the new practice.
• Group profit margin improved from 14.8% to 19.6%.
• The sixth practice was acquired without loans — and the group remained cash-positive throughout.
How a 3-Practice Group Gained Full Visibility and Added £184,260 in Profit in 12 Months
Background
A dental group with 3 mixed practices across the Midlands, generating a combined £3,462,780 turnover and employing 54 staff.
What went wrong
Each site ran separate accounts. The owners only saw performance at year-end, meaning underperforming chairs and associates weren’t spotted until months too late. Cash was often shifted between practices blindly to plug gaps.
What we did together
Using bespoke financial software and consolidated reporting, we:
• Created a single group-level dashboard to view all practices in one place.
• Ranked associates and chairs by profit contribution across sites.
• Forecasted tax and cash reserves at group level.
What is the result
Within 12 months:
• Net profit increased by £184,260.50 across the group.
• Underperforming associates improved or were replaced, raising chair utilization by 14.2%.
• Partner drawings rose from £9,840 to £13,240 per month each with confidence.
NHS Case Studies
From £120K Tax Bills to Predictable Income — An NHS Practice’s Journey to Ltd Company
Background
An NHS sole trader practice in the Midlands generating £702,815 annual turnover with 9 staff.
What went wrong
Operating as a sole trader meant high personal tax bills, unpredictable drawings, and no separation between practice and personal finances. Annual tax payments regularly exceeded £120,436.50, creating severe cash flow strain and leaving the principal uncertain about personal income.
What we did together
Through bespoke financial software and a carefully planned incorporation into a limited company, we:
• Optimized the salary/dividend mix for efficiency.
• Built a £60,218.75 tax reserve schedule to avoid surprises.
• Set a structured monthly withdrawal plan, so the owner knew exactly what could be drawn with confidence.
What is the result
In the first 12 months:
• Annual tax liabilities reduced by £28,472.30.
• A clear 12-month tax forecast was created for full visibility.
• The principal’s drawings stabilized at £7,843.60 per month — consistent and stress-free.
NHS -From Overdraft to £141,627 in Reserves — How One NHS Practice Transformed Cash Flow in 6 Months
Background
A family-run NHS practice in the North of England with £852,437 annual turnover and a team of 14 staff.
What went wrong
NHS clawbacks and late payments left the practice facing cash gaps of up to £61,328.40. To cover payroll, the owner relied on overdrafts, paying £9,421.75 per year in bank fees — while still worrying every month about meeting wages.
What we did together
With our bespoke financial software, we:
• Shifted reporting from “cash received” to treatments completed for accuracy.
• Built a rolling 12-month cash flow forecast to spot gaps in advance.
• Created a dedicated £72,054.20 payroll and tax buffer to remove the stress of payday.
What is the result
In just 6 months:
• Overdraft reliance ended, saving £9,421.75 per year in bank charges.
• A £141,627.60 reserve (2 months of fixed costs) was built.
• The principal’s drawings increased from £6,523.40 to £8,537.80 per month — with complete confidence.
Partnership Case Studies
How Three Partners Stopped Arguments Over Drawings and Increased Income by £2,417 Each Per Month
Background
A 3-partner mixed practice in the Midlands with £1,482,360 annual turnover and 18 staff.
What went wrong
Partners each took drawings of £6,200 per month, but contributions weren’t equal. One partner delivered 48% of production, another 32%, and the third 20%. Without accurate financial tracking, resentment grew — especially when cash flow tightened.
What we did together
Through bespoke financial software and structured partner reporting, we:
• Aligned production and profit contributions across all three partners.
• Built a clear monthly drawings model tied to actual performance.
• Created a shared financial dashboard so all partners could see the same numbers in real time.
What is the result
Within 9 months:
• Monthly disputes about drawings stopped completely.
• Partner drawings rose from £6,200 to £8,617 each per month.
• A £128,540 reserve fund was built, giving the partnership stability and freedom to plan their next expansion.
How Two Partners Built a £94,320 Safety Net and Ended Cash Flow Stress Around Drawings
Background
A 2-partner NHS-led practice in the North West with £986,540 annual turnover and 11 staff.
What went wrong
Both partners withdrew large sums in the same months to cover personal tax and mortgages. This created recurring cash flow squeezes — payroll was delayed twice in one year, and the practice relied on overdrafts costing £7,860 annually.
What we did together
With bespoke financial software and planning, we:
• Introduced a structured drawings calendar to spread withdrawals evenly.
• Built a tax and personal drawings reserve inside the practice account.
• Created 3-month forward visibility so both partners could plan withdrawals without clashing.
What is the result
In 12 months:
• Overdraft reliance ended, saving £7,860 per year.
• A £94,320 reserve fund was built, covering payroll and partner drawings.
• Both partners now take £7,860 per month each, consistently and without stress.
Private Case Studies
How a Private Practice Added £96,482 in Profit by Reducing Lab and Material Costs
Background
A private, single-site practice in the South of England with £1,243,670 annual turnover and 4 dental chairs.
What went wrong
Lab bills rose 28.4% year-on-year, while material costs increased 17.2%. Associates were still paid on gross revenue, meaning profit margins fell from 23.1% to 15.4%, squeezing owner income.
What we did together
With bespoke financial software and structured financial planning, we:
• Benchmarked lab and material costs against industry standards.
• Adjusted associate pay to reflect profitability instead of gross revenue.
• Increased average revenue per chair hour by shifting the treatment mix.
What is the result
Within 9 months:
• Annualized profit increased by £96,482.30.
• Net margin improved from 15.4% to 22.8%.
• The owner now reinvests an extra £8,040 per month into practice growth — without increasing patient volume.
From £5,200 to £9,436 Monthly Drawings — A Private Practice Owner’s Financial Turnaround
Background
A private practice in London with £987,540 annual turnover and 3 associates.
What went wrong
Despite healthy revenue, the principal’s monthly drawings averaged just £5,212.40. Ad-hoc withdrawals and tax surprises left personal income inconsistent, while business cash reserves hovered under one month’s fixed costs.
What we did together
With bespoke financial software and forward planning, we:
• Connected practice profit directly to planned monthly drawings.
• Introduced a structured salary and dividend strategy with tax forecasting.
• Built a financial reserve of £82,750 (1.5 months of fixed costs).
What is the result
In the first year:
• The principal’s drawings increased to £9,436.20 per month — an uplift of 81%.
• Tax bills became fully predictable, with £41,200 reserved in advance.
• The practice retained an extra £68,430.50 in working capital.
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