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Ltd Co Vs Sole Trader: What You Need To Know For This Tax Year with Amman Sarkaria [CPD Available]
04/18/25 • 57 min
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/ltd-co-vs-sole-trader-what-you-need-to-know-for-this-tax-year-with-amman-sarkaria
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Should you operate as a sole trader or through a limited company? For dental professionals, this decision can impact everything from tax bills to long-term wealth. In this essential episode, specialist dental accountant Amman Sarkaria breaks down the financial, legal, and practical implications of each structure — updated for the 2025 tax year.
Amman walks us through real-world comparisons, including a £130,000 income example that shows how dentists could save up to £25,000 annually with the right limited company setup. Learn how to optimise your salary-dividend mix, make use of electric vehicle deductions, and even employ family members legally and effectively.
But it’s not just about tax perks—we explore NHS pension eligibility, IR35 risks, and whether a Ltd Co truly fits your career stage and lifestyle goals.
Whether you’re newly qualified or restructuring your business, this episode delivers the insight every UK dentist needs to make an informed, strategic decision.
Listen now and maximise your tax efficiency this financial year.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/ltd-co-vs-sole-trader-what-you-need-to-know-for-this-tax-year-with-amman-sarkaria
———————————————————————
Should you operate as a sole trader or through a limited company? For dental professionals, this decision can impact everything from tax bills to long-term wealth. In this essential episode, specialist dental accountant Amman Sarkaria breaks down the financial, legal, and practical implications of each structure — updated for the 2025 tax year.
Amman walks us through real-world comparisons, including a £130,000 income example that shows how dentists could save up to £25,000 annually with the right limited company setup. Learn how to optimise your salary-dividend mix, make use of electric vehicle deductions, and even employ family members legally and effectively.
But it’s not just about tax perks—we explore NHS pension eligibility, IR35 risks, and whether a Ltd Co truly fits your career stage and lifestyle goals.
Whether you’re newly qualified or restructuring your business, this episode delivers the insight every UK dentist needs to make an informed, strategic decision.
Listen now and maximise your tax efficiency this financial year.
———————————————————————
Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Previous Episode
How To Retire Early with Dr James Martin
You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport
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What if retirement isn’t about stopping work—but about stopping the trade-off between stress and future freedom? In this thought-provoking episode, Dr James Martin unpacks the real meaning of early retirement and how dentists can achieve it without sacrificing their wellbeing.
You’ll discover three distinct retirement pathways: radical expense cutting, wealth accumulation, or living with present balance. James explains the three financial life stages—accumulation, pinnacle point, and distribution—and how understanding which phase you’re in shapes your entire strategy.
The stats are eye-opening: a £10,000 investment returning 10% annually could grow to £450,000 over 40 years, compared to just £130,000 at 6%. But beyond the numbers, many dentists are already at their pinnacle point—the moment they could choose to slow down—yet continue working full-tilt due to lack of clarity.
This episode is your chance to step back, assess your journey, and begin building financial freedom on your terms.
Listen now to redefine retirement—and decide how you really want to live.
———————————————————————
Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.
Next Episode
![undefined - What's Changed With ISAs/Pensions/GIAs This Tax Year with Anick Sharma [CPD Available]](https://storage.buzzsprout.com/xfcfoj5ow9duy3jto1bn7oqbrgnj?.avif)
What's Changed With ISAs/Pensions/GIAs This Tax Year with Anick Sharma [CPD Available]
Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/whats-changed-with-isaspensionsgias-this-tax-year-with-anick-sharma
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If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact
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The 2025 tax year brings critical updates to ISAs, pensions, and GIAs—and dental professionals need to stay ahead. In this episode, financial planner Anick Sharma breaks down the rule changes and strategic shifts that could impact your long-term wealth.
From multiple ISA contributions now being allowed in one tax year to the future inheritance tax implications on pensions, this episode arms you with the key updates that matter. Anick also explains the often-misunderstood FSCS protection rules, why cashflow planning beats guesswork, and how early investing each tax year could grow your portfolio by up to £60,000 over 30 years.
We also unpack how NHS pension complexities and corporate investing affect your decisions as a practice owner or associate.
Listen now and futureproof your finances with insights tailored to the dental profession.
———————————————————————
Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Dentists Who Invest Podcast - Ltd Co Vs Sole Trader: What You Need To Know For This Tax Year with Amman Sarkaria [CPD Available]
Transcript
We haven't done a podcast in quite some time which talks about the pros and cons of self-employed versus limited company , particularly with what has changed in 2025 , and what I mean is getting granular from the ground up and really explaining the basics rather than just explaining new stuff that's come along recently . We're all to recap , and that's why why I've got Mr Amman Sar
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