The New Year, New Financial You!

We walk through the new tax year changes that hit dentists and dental practice owners first, from frozen thresholds and fiscal drag to payroll cost rises and dividend tax. We then zoom out to the systems and decisions that protect profit: MTD readiness, cloud accounting, automation, smarter borrowing, and building a practice that can grow without breaking you.• personal allowance and income tax bands staying frozen and why fiscal drag feels like a hidden tax • self employed national insurance changes including Class 2 being abolished with voluntary contributions for State Pension credits • employer NI increase and secondary threshold change plus what it means for staffing costs • national living wage rises and how cost pressure shows up in practice margins • dividend allowance staying low and dividend tax rate increases plus dividend planning across 2025 to 26 • pension annual allowance and using company cash efficiently • capital gains tax rates and business asset disposal relief moving to 18% • capital allowances changes including first year allowance reduction and why car emissions rules matter • IR35 risk for associates and why contracts must reflect genuine self employment • key self assessment and reporting deadlines plus why you should keep them on a calendar • Making Tax Digital for Income Tax from April 2026 and the quarterly update model • why Xero and cloud bookkeeping improve tax planning management accounts and decision making • PMS integration and the KPIs to monitor such as revenue per chair staff costs and cash runway • common accounting pitfalls including personal spend inconsistent bookkeeping and no monthly close • Samera AI approach to bringing practice data into one place and automating associate pay • dental practice finance basics including LTVs interest ranges and the startup versus goodwill picture • what lenders want plus deal red flags and why independent buyers’ advice matters • offshoring bookkeeping and finance work safely with training process and GDPR controls • growth stages from founder led to multi site plus group structure and becoming sale readyJust reach out to myself, reach out to Euros, reach out to Natasha, go to our website If you require any help, don't hesitate to reach out to the Samera team at www.samera.co.uk. We are all here to help you!Thank you,The Samera Team