UK Resident Doctors & Dentists: Discover The Key Ideas And Strategies That Will Help You Plan Towards Achieving Financial Independence, Save You Time And Put You On Track Towards Your Ideal Retirement

Just imagine, you'll be able to speak to a firm of Financial Planners that:

  • puts your interests first
  • actively listens to you and takes a genuine interest in what you are trying to achieve
  • takes the time to discover what your values, goals, aims and objectives are
  • works alongside you to create your own strategic written financial plan
  • helps you manage your investments in line with your comfort for taking investment risk
  • provides you with a proactive ongoing level of service so you'll always know where you stand
  • will arrange any new plans or investments for you only if you require them

Note: The value of your investments and income from them can go down as well as up and you may not get back the full amount invested..

The levels and basis of and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor.

I heard about Rutherford Wilkinson by doing a web search when I was looking about pension investments. I was particularly attracted by the detailed capital projections and also at that time I had a policy that was due to mature and I wanted to know how best to invest this. My finances prior to this were probably slightly organised and maybe a little disjointed.

My experience of working with Rutherford Wilkinson was straightforward. All the fees were discussed upfront and any charges were clearly identified.

The main benefit of working with Rutherford Wilkinson was it made me rationalise my retirement planning and identified more clearly when I would be able to afford to retire. Initially I thought I would have to take my pension early in order to retire early but after talking to Ray Prince it became clear I could retire early but use my savings to fund this. Now I’ve got all my investments in one vehicle making it easier to monitor and therefore easier to plan for future retirement.

I would certainly recommend any Dentists or Doctors who have any questions about financial planning to deal with Rutherford Wilkinson. I found that dealing with Ray Prince was straightforward, easy to understand and anyone who is a prospective client for Rutherford Wilkinson I suggest for them to have a talk initially with Ray Prince and discuss their plans for the future without any need to commit themselves to any further dealing.

Dr P English, GP, Hedon, Yorkshire


(Please scroll down to near the bottom of this page to hear comments from current clients in audio format, and make sure you visit our Published Articles section to see what's been written about us)


Ray Prince Fee Based Financial Planner To Doctors & Dentists

From: Ray Prince, Certified Financial Planner
Ref: Planning Towards Your Ideal Retirement
Date: July 2009

Dear Doctor / Dentist

No matter what stage of life or career you're at, we can say one thing…

If you want to use the services of an expert to help you through the financial maze what you may find is that getting access to quality impartial financial advice is becoming harder and harder for many in the medical and dental professions.

In the past there's traditionally been a few sources available, such as BMA Services, Medical Sickness Society (Wesleyan) and various (usually specialist) Independent Financial Advisers. Not to mention the banks and building societies who are always keen to promote and sell their own products to you.

Getting advice from a financial adviser usually involves making plans that will potentially affect your financial future for the rest of your life. It's absolutely crucial that you make the right financial decisions, as mistakes (which you probably won't realise you've made at the time) could cost you tens of thousands of pounds over time.

But how can you tell if you've been given the right advice?

Often there isn't an easy way to tell.

Very early on in our financial services careers we realised that the right financial solution for clients did not always require them to buy yet another financial policy. For example, for many the best solution was to overpay their mortgage rather than invest the money into stock market based funds. Or perhaps they just needed to update their Last Will and Testament.

We knew this approach may be different, as not all these 'new' solutions paid a commission, but we did know that the solutions we were creating for our clients were in their best interests.

So, in the summer of 2005, we sat down and discussed how we could share the same strategies that we recommend to clients to the thousands of doctors and dentists who are not our clients.

In the end we decided to use the power of the internet and launched the Financial Tips email Newsletter.

Since then, the newsletter has grown in popularity and hundreds of doctors and dentists now receive each issue.

Of course, whilst the newsletter cannot give you the necessary accurate information you'll need to take action on your own situation, it will give you many key ideas that could put you ahead in your financial life.

As much as we'd like everyone that visits our website to enquire about our services, realistically we know that's not going to happen so the newsletter (and all the other information we regularly send to our members) will also give you the opportunity to 'check us out' and to see if we are worthy of your trust.

Here's some examples of the topics covered in previous issues of the free Financial Tips Newsletter:

checkmark.gif Life assurance strategies for protecting your family

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How to potentially mitigate Inheritance Tax with trusts and leave your wealth to your family

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Investing in buy to let properties and the steps to take to avoid the pitfalls
 (Note: The FSA does not regulate buy to let mortgages) Your home or property may be repossessed if you do not keep up repayments on your mortgage.

checkmark.gif Making sure your income protection covers you (and not the insurance company)

checkmark.gif How to plan your retirement with the new A-Day Pension Rules (in force since 6 April, 2006)

checkmark.gif Advanced tax planning using investment schemes

checkmark.gif Topping up your NHS Pension (and what not to do)

checkmark.gif Effective retirement planning strategies for Private Dentists

checkmark.gif Investing sensibly to fund your children through university

checkmark.gif Why actively managed funds may be damaging your wealth

checkmark.gif How to purchase the right type of annuity retirement income


But why should you listen to us?

My colleague, Graeme Urwin, and I head up the specialist financial planning division for doctors and dentists at Rutherford Wlikinson ltd, a firm of Financial Planners based in Newcastle upon Tyne (we have clients all across the UK). The company has 30 staff, with a turnover approaching £2.5m per annum.

Collectively, Graeme and I have been working 'in the trenches' with doctors and dentists for over 35 years. Our main financial planning service is offered on a fee basis and we're very focussed on providing our clients a totally impartial long term service.

Our overall aim is to help you achieve your financial and lifestyle objectives, not sell you another policy that you probably don't need.

We passionately believe that you can make better financial decisions when you have more knowledge and information, and that's exactly what our services and the Financial Tips email newsletter aims to achieve. It's written from a totally unbiased point of view and you'll never find us recommending any specific investments or companies (you'd have to be a client for specific recommendations).

Published twice every month via email (and about 5 minutes to read), we aim to give our members the tips, techniques and strategies that will help put them ahead financially. Not only that, we'll also send you specific time sensitive announcements from time to time, so that you can make decisions when information is current, not weeks or months old.

So…

…if you're tired of meeting with all different types of financial adviser…

…if you want to save time…

…and if you want to finally get yourself financially organised for your future…

…then this may be the most important newsletter you ever subscribe to!

And that's not all you'll receive today.

One of our core beliefs is to add as much value as we can right at the start of any potential relationship. Even if you never call us to discuss your own situation, we want you to benefit as much as possible for trusting us with your email address.

When you enter your details in the box below, we'll also send you a pdf copy of one of our most popular guides 'How To Avoid The 7 Most Common Retirement Planning Mistakes'. In this 29 page guide, which is based upon our work with clients, you'll learn:

  • Mistake 1, Believing that a personal pension is an investment (page 6)
  • Mistake 3, Not using asset allocation when investing money (page 11)
  • Mistake 5, Viewing retirement planning in isolation from other planning needs (page 17)

You'll receive the guide as soon as you click on the link in the confirmation email that you'll receive once you enter your details below.

(We also encourage you to browse our website. You can find over one hundred archived articles under the Categories heading on the right sidebar).

We appreciate you may already be using the services of a financial adviser. The Financial Tips newsletter is not designed to replace your adviser, rather it's here to provide you with up to date strategies that you can use in conjunction with your adviser, as well as challenging your thinking.

Having said that, you may be interested to hear what some of our current clients are saying about us. Click on the play button and turn your speakers on (you can also see some of our client surveys feedback here - will open as a pdf in the same page so hit the back button on your browser to return here ).


Christopher MorrellChristopher Morrell is a Private Dentist
in Amersham, Bucks
(running time 2:07)
Click here to read in full

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NigelManleyPhoto.jpgNigel Manley is a Dental Surgeon
based in the West Midlands
(running time 3:03)
Click here to read in full

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AngusWalls.jpg

Angus Walls is a Clinical Academic
at Newcastle Dental School
(running time 0:50)
Click here to read in full


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Andrew Tennant.jpg
Andrew Tennant is a Dentist in Hertfordshire
(running time 1:01)
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PaulSidhu2.jpgPaul Sidhu is a Consultant Radiologist
at King's College Hospital, London
(running time 1:06)
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KarenSutton.jpg

Karen Sutton is a Dentist in Herefordshire
 (running time 2:04)
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PatriciaFisher.jpg


Patricia Fisher is a Consultant Oncologist based in Sheffield
 (running time 2:47)
Click here to read in full

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If you would like to ask us questions about your personal situation, in the first instance please call me, Ray Prince, on 0191 217 3340, or contact us via this form. We usually receive a number of calls every week and will spend 10 minutes or so on the telephone to answer your most pressing issues and to see if we can help. There is no charge for this initial discussion and you are under no obligation whatsoever. All conversations are in strict confidence.

We look forward to welcoming you to the Financial Tips Newsletter!
(simply enter your details in the box above)

Best wishes

Ray Prince Financial Planner

Ray Prince
Certified Financial Planner

PS If you don't want to stay as a member of the newsletter you can click the link at the bottom of any issue and you'll be removed from the database.

PPS You may not be ready for a full review of your finances today. All the more reason to join the hundreds and doctors and dentists who rely on the information that we provide. And if you do want to contact us in the future, you'll have a great insight into who you're dealing with already…

Please note: Where we arrange a mortgage, there may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but we estimate it will be £295. We may also receive a fee from the lender.

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