Complete Financial
& Professional Support
Just for Dentists
Insight and advice for the journey beyond qualification.
Mortgages
Helping dentists secure the right residential, buy-to-let, or practice mortgages, structured around dental income and career stages.
Financial Advice
Providing personalised financial planning to help dentists grow, protect, and enjoy their wealth at every stage of their career.
Protection
Putting the right insurance in place to protect your income, family, and business if illness, injury, or the unexpected happens.
Asset Finance
Helping dentists fund equipment, technology, and vehicles in a tax-efficient and cash-flow-friendly way.
Accountancy
Specialist dental accountancy to manage tax, cash flow, and compliance while maximising efficiency and profitability.
Legal
Get access to specialist legal advice for contracts, property, wills, and wider personal or practice-related matters.
Filling the cavities with financial guidance
You’ve mastered your clinical expertise, now let Just4Dentists unlock new possibilities for your professional and financial future.
Every stage of your career will present important financial decisions and the opportunity to get them right.
Good guidance helps turn complex choices into informed decisions you can stand behind.
Whether you’re a student, associate, practice owner, or considering retirement, the non-clinical aspects of dentistry can leave you with more questions than answers. Here, inspiration and practical advice are just a conversation away.
Experience
We're highly experienced at providing financial and legal advice to dentists, tailored to your unique situation.
Authorised
We're FCA authorised advisors meaning our experts provide regulated, specialist advice you can trust.
Support
From dental students to experienced retirees, we provide expertise tailored to any stage of a dentist's career.
Resources
Check out our guides, checklists and podcast series sharing real stories and lessons from dentists who've walked the path before.
Listen to the Just4Dentists podcast
The Just4Dentists podcast is designed to help dentists make confident financial career decisions.
Hosted by passionate dentists, every episode dives into real-world stories that explore a range of topics from unique career pathways to practice ownership.
From navigating the business of dentistry to sharing honest conversations with industry experts, listen to all available episodes here.
Listening to these stories has completely changed how I approach financing my practice. It’s like having a mentor in my pocket.
Finally, a podcast that talks about real financial matters outside the clinic. Highly recommended!
Want to listen to all of the podcasts?
Get stuck in to our Podcasts, and find all the available assets here:
Meet the Just4Dentists Experts
The Just4Dentists team combines financial expertise with hands-on experience. Whether you require independent financial advice, mortgage advice or you’re exploring asset finance to expand your practice, you can be confident the guidance you receive is knowledgeable, dependable and trustworthy.
Andrew Brown
Managing Director
Martin Febery
Managing Director
Alex Esposito
Advice Partner
Andrew Connor
Advice Partner
Sarah Guilford
BSc (Hons) Dip PFS
Get the most out of Just4Dentists
Step 1 – Explore our resources
Access our resources and listen to our podcast to understand business, financial and legal choices choices you may encounter across your career.
Step 2 – Speak to a specialist
Connect with professional advisors who knows the dental profession and can answer your questions with experience and clarity.
Step 3 – Make informed decisions
Confidently plan your finances, practice, and career, and take control of your future with clarity and peace of mind.
Our Partners
Contact us
Let’s Talk About Your Future
Whether you’re newly qualified or planning retirement, we’re here to help. Get in touch for an initial no-obligation conversation.
We’ll listen, understand your situation, and explain how we can help you build a stronger financial future.
- info@j4d.co.uk
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Sarah Guilford
BSc (Hons) Dip PFS
Sarah has been advising dentists since 2007, offering specialist financial guidance across every aspect of their financial planning. Her deep understanding of the NHS pension scheme and the unique challenges faced by dental professionals allows her to provide tailored, insightful advice.
She spends most of her day working directly with clients, supporting them at every stage of their life and career. For Sarah, truly understanding each client’s goals and future plans is essential — it’s the foundation of meaningful, effective financial advice that helps people achieve what matters most to them.
Outside of work, Sarah enjoys travelling and spending quality time with her young family, both in the UK and abroad
Andrew Connor
Advice Partner
Andrew has helped hundreds of mortgage customers achieve their goals whilst practising as a mortgage adviser. Before joining Just4Dentists Andrew worked for seven years with a leading high street bank.
Alex Esposito
Advice Partner
Alex is extremely valuable as a mortgage adviser, both to us and our customers.
You won’t need to spend long looking through our reviews before finding one that showers Alex in compliments.
Martin Febery
Managing Director
MSc (Hons) FCMA AdvDipFA Chartered ALFBF
Martin is a Chartered Financial Adviser and qualified accountant with over 30 years of experience in finance, including senior leadership roles across industry and international markets. A Fellow of the Chartered Institute of Management Accountants and holder of a Master’s degree in Finance, he brings a uniquely strategic perspective to financial planning and one that combines technical expertise with real-world business acumen.
Martin specialises in working with dentists, helping them navigate everything from NHS pensions and retirement planning, to investment planning, protection, and whole-of-life financial strategy. His deep understanding of the dental profession, coupled with a forensic approach to cashflow modelling and a relentless focus on service, has earned him a reputation for delivering advice that’s both highly personalised and commercially astute.
Before moving into financial advice, Martin spent many years as a senior finance leader and has led on numerous business acquisitions and strategic planning projects. This experience underpins his ability to solve complex problems and support clients at every stage of their professional and personal journey.
Andrew Brown
Managing Director
Andrew is a qualified mortgage and protection adviser with 25 years’ experience in financial services, working across both large corporates and fast‑growing specialist firms. He is widely recognised for his expertise in securing residential and buy‑to‑let mortgages for self‑employed healthcare professionals, particularly dentists, whose unique income structures and career paths often require a tailored approach.
As the founder of one of the UK’s highest‑rated mortgage and protection brokerages, Andrew has grown his business into a team of nearly 20 professionals with a reputation for exceptional customer service. His background extends beyond mortgages as he has owned an accountancy firm, a wealth management practice, and an estate‑planning business, giving him a uniquely well‑rounded understanding of the financial landscape dentists operate in.
Andrew is also an active property developer and buy‑to‑let investor, enabling him to share real‑world insight with clients looking to build long‑term wealth.