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Preparing for retirement 2023

Event Type
Event Subject
Business management
Development Outcomes (B, D)
Topic Groups (Retirement, Finance)
Friday 13 October 2023
09:00 - 16:30
British Dental Association
64 Wimpole Street, LONDON, W1G 8YS, England
Ray Goodman, Len D'Cruz, Daniel James, Philip McEvoy, Alan Suggett, Peter Cummings
Booking Fees
  • Dental Care Professional: £95.00
  • Essential member: £145.00
  • Expert member: £145.00
  • Extra member: £145.00
  • Senior member: £145.00
  • Non member: £225.00
  • Student member: £145.00

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Preparing for retirement

A comprehensive and independent guide to retirement planning

LONDON  |   Friday 13 October 2023

Sponsored by:

Logo - Goodman Grant solicitors
Henry Schein MediEstates

This one-day seminar will guide you through the financial, legal and emotional aspects you need to consider when planning your retirement.


This seminar provides the participant with a comprehensive guide to planning their retirement.

Learning objectives:

  • Understand what is needed when pre-retirement planning
  • Examine the benefits of the NHS pension
  • Identify what is required when planning at the retirement stage
  • Learn how to maximise value and minimise tax when you retire
  • Evaluate what your practice is worth
  • Understand the legal aspects of disposing of your practice
  • Prevent post-sale problems arising from clinical care.

Learning content:

The seminar provides the participant with the tools needed to successfully start planning their retirement and manage the issues associated with the sale of their practice. This is done through a series of seven lectures.


Registration, refreshments and exhibition
Opening remarks from the Chair
Pre-retirement planning
  • Changing rules – threats and opportunities
  • Start with the end in mind
  • Making the most of what you've got
  • Understanding and managing risks
  • Tax effectiveness.

Daniel James, Director of Client Services, Lloyd & Whyte

A pension perspective
  • To understand the benefits provided by the NHS pension schemes
  • To outline state pension entitlements, including the State Pension age, state pension increases and how to maximise state pension entitlement
  • To be informed of any other current developments concerning pensions.

Phil McEvoy, Head of Pensions, BDA

Morning refreshments and exhibition   
Planning at retirement
  • Pension freedoms – what does it mean
  • Accessing and managing your income
  • Legacy and inheritance planning.

Daniel James, Director of Client Services, Lloyd & Whyte

Maximising value, and minimising tax, when you retire
  • Tax planning for employed, self-employed and incorporated dentists
  • Tips for making sure your NHS pension is correctly recorded
  • Maximising practice sale proceeds
  • Taxation of your retirement income
  • Action now for a tax efficient retirement.

Alan Suggett, Dental Consultant, UNW Chartered Accountants

Lunch and exhibition
What is your practice worth?
  • How do I plan my successful exit?
  • How is my practice goodwill defined?
  • How can I maximise the value of my practice?
  • What are the three most important considerations when I sell?
  • An overview of the current dental market.

Peter Cummings, Practice Valuation Manager, MediEstates

Legal aspects of disposing your practice
  • Understanding the process involved in selling the practice and what information you will need to provide
  • Explaining the difference between share sales and asset sales
  • Tips for making the transaction run smoothly
  • Examining the legal costs involved
  • Issues arising in relation to the transfer of NHS contracts
  • CQC issues and dealing with them successfully.

 Ray Goodman, Chairman, Goodman Grant Solicitors

Afternoon refreshments and exhibition
Preventing post-sale problems arising from clinical care                        
  • Problems with patient complaints when you retire -  how immune are you really?
  • What are the dento-legal risks of the sale process?
  • What to do clinically before and during a sale to minimise the risk of problems for you on your retirement
  • Reviewing how the standard of your dental care could potentially affect your sale price
  • What to do if the buyer, or one of your patients, knocks on your door and claims you have been negligent.      

Len D'Cruz, GDP and Practice Owner, London and Head of Indemnity, BDA

Close of seminar

About the speakers

Peter Cummings
Peter Cummings

Practice Valuation Manager, MediEstates

Peter has over 25 years’ experience in the Dental industry working for both an industry leading corporate and also independent dental marketing companies. His expertise includes business development, marketing and sales, recruitment, project management and team management. Peter is responsible for conducting detailed business appraisals and valuations with practice owners to assist them with their exit strategy. His extensive knowledge of all aspects of dentistry enables him to provide valuable market insight and advice which is tailored specifically to the dental practice owners business.

Len D'Cruz - new photo (0A11613) for web.jpg

Len D'Cruz
GDP and Practice Owner, London and Head of Indemnity, BDA

Len is Head of BDA Indemnity, a general dental practitioner, foundation trainer and practice owner. He has 21 years’ experience as a dento-legal advisor supporting dentists with complaints, clinical and regulatory issues, and clinical negligence claims. He is lead lecturer at the University of Bedfordshire teaching on the MA in Dental Law and Ethics. He has authored and co-authored two books: “Understanding NHS dentistry” and “Legal aspects of general dental practice” (Churchill Livingstone) and has contributed legal and ethical content to a number of text books and journals and websites. He regularly shares his wisdom on NHS regulations and contract reform and has both dental and legal qualifications.

Ray Goodman
Ray Goodman

Chairman, Goodman Grant Solicitors

Ray is the Chairman of Goodman Grant Solicitors, a dedicated dental law firm that specialises in the sale and purchase of dental practices. Ray is also the Past Chairman of the Lawyers group of NASDAL (National Association of Dental Accountants and Lawyers), and a Member of the Association of Specialist Providers for Dentists (ASPD). Through providing legal services to dentists and the dental industry for over 20 years Ray has a comprehensive understanding of the commercial and professional objectives of dental practices, along with the relevant legal requirements.

Danny James
Daniel James

Director of Client Services, Lloyd & Whyte

Daniel has been helping dentists prepare for a financially secure retirement for over 20 years, as Director and Independent Financial Adviser at Lloyd & Whyte. With over 20 years’ experience in the financial services industry, Daniel appreciates the unique requirements associated with the dental profession, and how to make more of your money in when approaching retirement age and beyond.

Phil McEvoy - resized.jpg
​Phil McEvoy

Phil McEvoy is the Head of the BDA's Pensions Team. He leads the policy work of the BDA in relation to pensions and provides expert advice to BDA members in all sectors of dentistry.

Alan Suggett
Alan Suggett

Dental Consultant, UNW Chartered Accountants

Alan is a Chartered Accountant and was the partner in charge of the Dental Business Unit of UNW LLP chartered Accountants (acting for more than 500 dentists) until April 2022. Alan is a member of ASPD, and until his change of role at UNW was a member of the National Association of Specialist Dental Accountants and Lawyers (NASDAL), a member of the technical committee, and the editor of the quarterly NASDAL goodwill survey which analyses all member client practice sales and valuation. He now acts as a consultant to UNW and carries out dental consultancy projects through Agata Consulting Ltd.


Development Outcomes: B and D

The seminar meets the educational criteria set by the GDC for CPD (5 1/2 hours) and is certified by the British Dental Association


*** Early bird offer - save up to £50 if you book before Monday 11 September 2023***

Full day price (5 1/2 hours CPD) 

​BDA members:  £145 (£195) 

Non-members: £225 (£275) 

​Dental Care Professionals: £95 (£145) 


Half day AM only price* (3 hours CPD) (please note you cannot book this half day event online, please call 020 7563 4590 to book)

​BDA members: £90 (£115)

Non-members: £140 (£165)  

​Dental Care Professionals: £60 (£85) 


*Up to 20 places available for half-day AM only delegates 
All costs includes refreshments and a standing buffet lunch. This event is exempt from VAT.

Cancellation policy

All cancellations must be received in writing by email to events@bda.org. This must then be followed by a telephone call to confirm receipt.

Cancellations received 29 days or more prior to an event will be entitled to a 100% credit voucher or refund. Cancellations received between 15 days and 28 days (inclusive) prior to the event will receive a 100% credit voucher to attend a future BDA event or a 75% refund. For cancellations received between 1 day and 14 days (inclusive) prior to the event, no credit voucher or refund will be given. Failure to attend the event on the day will constitute late cancellation and no credit voucher or refund will be given.

Substitutions are welcome at any time if they qualify for the same delegate rate or cheaper. Substitutions for attendees who qualify for a higher delegate rate should pay the difference.

Full terms and conditions (including cancellation policy)​​

About the sponsors - Goodman Grant and MediEstates

Goodman Grant Solicitors
Goodman Grant Solicitors

Headed by NASDAL Lawyers Group Past Chairman Ray Goodman and ASPD Past Chairman John Grant, there is no law firm in the country better equipped to provide solutions to dentists' legal issues. With over 75 years combined experience and the largest team of specialist dental lawyers in the country, Goodman Grant has a comprehensive understanding of the commercial and professional objectives of dental practices, along with the relevant legal requirements. We are experienced in dealing with the intricacies of dental law which enables us to efficiently handle the specific requirements of the dental industry. As a specialist practice our team deals with dental practice transactions on a national basis from our offices in Liverpool, Leeds and London we are well equipped to assist dentist from buying and selling a dental practice, employment advice, dispute resolution, CQC and regulatory matters.  Together with our dental practice sales and valuations team, we are the one-stop-shop for all your dental business needs.
Henry Schein MediEstates

MediEstates is a family run business that has grown and developed alongside the dental industry and is now acknowledged as the largest specialist broker of Dental Practices in the UK. Our signature approach, personable yet highly driven, has seen us set the benchmark service standards within the sector. Selling your practice can be a difficult time, our expert advice is there to ease the process and inform you at every stage. Alongside our sister companies of MediCruit and MediFinancial we form the UK’s largest dental consultancy company and have the know-how to make your sale as effortless as we can.

How to book

Login to the BDA website first. Then use the pink 'Register' button at the top right of this page.

If you do not already have a BDA website username and password, fill in this form and we'll set you up with a username and temporary password.

Please note: As long as you have a GDC number you can use the online booking system. You do not need to be a BDA member.

Should you require assistance please email events@bda.org or call the team on 020 7563 4590.


British Dental Association
64 Wimpole Street
London W1G 8YS

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If you wish to stay overnight during the event please contact MICE Concierge our appointed hotel booking agency by email hello@miceconcierge.com or call 01438 908 770.

​Further information

Should you have any questions regarding this seminar please email the team: events@bda.org

Full terms and conditions (including cancellation policy)