Specialist Independent Financial Planning for the Veterinary Profession

Private Clients

Our strength lies in our relationships with our clients, and it’s all down to our dedicated, friendly and professional advisers and supporting team.

Working with Veterinary Professionals we quite literally talk your language, understanding your career path and the challenges and financial needs along the journey.  Having worked so closely in the industry, we have witnessed first-hand the changes and understand their implications from a financial planning perspective.  Additionally, we are highly versed in the evolving financial world and understand how changes such as those in inheritance tax planning and the introduction of pension freedoms are relevant to our clients.

Our holistic approach to wealth management is a fully integrated combination of financial planning and investment management, meaning we can provide our clients with a solution for complete financial well-being. Additionally, by visiting our clients on a frequent basis, we are more easily able to understand how developments in the profession affect our clients both individually and collectively.

We work with vets throughout their career from the early stages, where income protection is the key concern, through to accumulation where investing for your retirement becomes a key factor. We continue to work with clients post retirement to ensure we are using effective tax planning strategies and investing to meet their income needs and plan their legacy.

We are currently witnessing a number of buy-outs where attractive financial packages are offered in exchange for the sale of veterinary practices. Good financial advice will help you structure these deals in a tax efficient manner that meets your ongoing financial needs.  For this we use cash flow planning tools which allow us to visualise the implications of different financial scenarios.

DFM Financial Planning Ltd is an appointed representative of Opus Independent Financial Planning Ltd. Registered in England & Wales Number 07304649. Opus Independent Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. FCA No: 529492.

Registered Address: DFM Financial Planning Ltd, 7 Arden Court, Arden Road, Alcester, Warwickshire, England, B49 6HN. Registered in England & Wales, No. 11480293.

Neither DFM Financial Planning Ltd nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

Please read our Privacy Notice before completing any enquiry form or before sending an email to us.


If you have any complaint about the firm, or a service we have provided, please let us know by writing to the following address or by email or telephone: Mr B Rees, Opus Independent Financial Planning Limited of 1 Coleshill Street, Sutton Coldfield, West Midlands, B72 1SD, info@opusifp.com, or 0121 354 4034

We promise to deal with your complaint in a fair and objective manner. We will provide you with a copy of our formal complaints procedure upon request or upon receipt of a complaint. If we are unable to resolve a complaint to your satisfaction you will usually have the right to take your complaint to the Financial Ombudsman Service www.financial-ombudsman.org.uk/ . The Financial Ombudsman Service is a free and easy-to-use service that settles complaints between consumers and businesses that provide financial services. They resolve disputes fairly and impartially.


We are covered by the Financial Services Compensation Scheme (FSCS) and you may be entitled to compensation from the scheme if, for any reason, we cannot meet our obligations. This will depend on the type of business and the circumstances of the claim.

Investments – Most types of investment business are covered up to a maximum limit of £85,000. Insurance – Advising and arranging are covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, advising and arranging is covered for 100% of the claim, without any upper limit.

Where it is appropriate to do so, we may recommend products or funds that are not based in the UK. In the event that the providers of such funds are unable to meet their obligations, these are not covered by the FSCS compensation arrangements. If the product or fund is based in the European Economic Area (EEA), you may be covered by the local investor compensation scheme. We will make you aware if our recommendation includes such products or funds.

Further information about the compensation scheme arrangements is available from the FSCS www.fscs.org.uk/consumer.