How To Run a Profitable Dental Practice in a Deprived Area

Can a dental practice thrive in an area of high socioeconomic deprivation?

In the premiere episode of Just4Dentists, Dr Ruth Baidoo speaks with Dr Khalid Master, co-owner of Bank View Smile Studios in Blackburn, about running a sustainable dental practice in an area of high socioeconomic deprivation.

In this episode, they explore:

The Four-Quarter Model: How Dr Khalid Master uses a four-quarter business model to balance NHS contracts, private fee-per-item dentistry and maintenance plans to build financial resilience.
The Clinician’s Trap: Why being an excellent dentist doesn't automatically make you a great business owner—and how to separate the two.
Accessibility vs. Dental Practice Profitability: How affordable maintenance plans (starting at £10–£15 per month) are used to cover 100% of fixed business expenses while keeping care accessible.
Dental Practice Ownership: The financial reality of buying a freehold versus just the business and goodwill and how each choice impacts long-term wealth.

Following the interview, Ruth is joined by financial specialists Andrew Brown (Director and Mortgage Broker at Mortgages4Dentists) and Martin Febery (Principal Adviser at Money4Dentists) who conduct a practical financial audit of Khalid’s story, covering:

Risk Management for dental professionals
Essential protections including Key Person Cover and income protection
Dental financial planning fundamentals: How to calculate your monthly break-even point and stay ahead of tax liabilities
Investment Strategy: The pros and cons of using a pension to purchase dental practice property.

This episode is for:

Dentists, practice owners and associates who want to understand how to build a financially sustainable dental practice — even in challenging economic environments.

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.

Want to be part of our community?

Sign up to our newsletter and follow us on our socials. We can’t wait to connect.