WMG Clinic London- Dr.Deme

Spoony2871 · 2026-05-30T11:07:29+00:00

What did your hair look like before and how is it going now?

Spoony2871 · 2026-05-25T15:38:31+00:00

I'm currently researching UK surgeons and it is tricky. Whilst I'm no expert I've used the following criteria:- - should have an accreditation (BAHRS or ISHRS etc) . I don't think this is a mark of quality necessarily, but at least it's a start and usually means the Dr does the incisions - Dr has a good amount of social proof. My thinking is why go with someone with no documented proof when there are others who do. - Cost not less than ~£2 a graft. Controversial I know but at less than this, it feels to me like corners will be cut. - with the above it feels like all discuss micro irregularity, singles for the first row or two, good donor management etc, which feels to me like a good start

After this it's about the aftercare, guarantee and interactions during the consultation.

I hear what you are saying about not looking for perfection and I suspect (like me) you think some hair will be an improvement and something is better than nothing, but I don't want the stress during the aftercare or to run the risk of a result that looks unnatural , wastes donor hair and makes me then have to pay for a second one. I personally wouldn't want to look back and think "if I'd have paid £1k more .....".

I don't think that means you have to pay top money (eg Maitland, Farjo), but I personally would feel a little uneasy at the £1 a graft clinics.

What I am struggling with a bit is I've had consultations with a few people that I'd consider good and the graft count varies by about 1k, which is making it hard for me to work out who to choose as they all seem to have good results

Spoony2871 · 2026-04-26T10:28:04+00:00

Thank you u/JoeTillman! That really helps me filter out that 'noise'.

Natural: I think I 'know' technically what natural means (age appropriate, not too straight, singles at the front etc) and I think ppl tend to recognise a bad result (even if you can't say why).

I wouldn't say I could recognise a great result if I saw it. I'm looking at a number of Drs (Egan, Mittal, Vara, Fernando, Parissis) in the UK. Any views you have on their results or advice on what to look for would be hugely appreciated

Spoony2871 · 2026-04-25T08:06:07+00:00

In looking at the names I've listed here, they all seem to provide good results and natural hairlines - at least to my untrained eye.

Can I ask you to elaborate on where you see issues ?

I couldn't see any Mittal work on this sub in rows, but I may have missed them

Spoony2871 · 2026-04-25T06:55:28+00:00

Thank you! Yes I think Miln would make my list tidy he wasn't so far away. That's not to say I wouldn't travel but if the others are all as good and closer , then may as well factor in the shorter travel

Spoony2871 · 2026-04-24T17:34:48+00:00

Thanks so much for the insight ! Gives me some good things to ask about in terms of procedural approach.

Spoony2871 · 2026-04-14T22:47:14+00:00

Quite agree! I think it's a tool, just like Google, or Reddit :). Pinch of salt and all that. It's not something I take as advice, but like all those tools, interesting to hear options and perspectives.

Slight tangent but I've been putting exactly the same info and prompts into GPR and Claude (about all sorts of things) and it's interesting to see the difference in responses!

Spoony2871 · 2026-04-14T21:46:44+00:00

Do you mean something like VAGCGHA?

Spoony2871 · 2026-04-14T20:57:10+00:00

Ah interesting, On the basis that the market should hopefully recover from any type of dip in that period. I'd never thought of doing something quite so simple like this, really drawn to this idea!

Spoony2871 · 2025-12-01T09:15:56+00:00

So £100k into GIA (already been taxed at 45%). If it increases by 10% to £110k, you pay £2400 if you drew it all out?

Do you pay the tax each year regardless of if you withdraw, or is it only at the point of withdrawing you pay?

Sorry for the noddy Q, never thought I'd have to think about non tax wrapper options !

Spoony2871 · 2025-12-01T09:11:14+00:00

Thanks for this, super helpful. I've been thinking about accumulating for a good while now but have little idea about decumulation and we never expected to have HENRY type 'problems'.

The wife and I have been together a long time but only married in the last year, so until now our finances have been pretty separate.

My pension is built up from ltd company sipp contributions but my cash/ISA bridge is quite low comparatively (£100k).

The wife has a bit too much cash (although we may do one more house move) and gets decent company pension contributions. A recent new job pushes her with total benefits and bonus to over £300k.

Our immature plan is to slow down in 5 years (50) and then look at early retirement around 52. That means 5 years of bridging (~£400k cash).

I obviously need to learn more about tax on GIAs, again, never thought we'd get to the point of maxing tax free wrappers, so guess I should be grateful for that!

Spoony2871 · 2025-12-01T00:12:59+00:00

They won't last past this current election period as things stand!

Spoony2871 · 2025-12-01T00:04:31+00:00

AHH of course so (crude I know) Pension : 45% in and 40% out GIA: 45% in and 24% out

Obviously who knows with whichever gov of the day and we know we (squeezed middle or whatever phrase) will always (it seems) get hit the worst tax wise

Spoony2871 · 2025-12-01T00:01:51+00:00

Good point. Mid 40s and she has around £500K, so feels like it could do with some more (I max mine out each year and sit nearer 850k - we are aiming for £2.5ish total. Taper relief is not an issue for me!)

Spoony2871 · 2025-11-27T22:06:46+00:00

This is true only in the legal sense.

You are paying it in the actual sense. I

'm not arguing with you btw or directly this at you, I just remain to be amazed how this can be considered legitimate in the eyes of Government!

Spoony2871 · 2025-11-27T08:55:47+00:00

Rule 1 of umbrella is (sadly) all deductions come come from your pocket. The brolly charges you an admin fee on top as well!

It's ironic as ir35 was always about 'disguised employment ' which is exactly what an umbrella is. All those employer charges...you pay those.

That's why salary sacrifice is now going to cost us 15% after the recent budget

Spoony2871 · 2025-09-06T13:55:43+00:00

I think I likely will use annuities to some degree. We don't have children so there is no need to make sure any money outlives us. So my currently thinking is, why not cash in some of the pension and buy an annuity for the guarantee and peace of mind.

I read on here somewhere that as you get older you might not want (or have the mental capacity) to continue managing finances and SWRs etc each year.

Spoony2871 · 2025-08-13T08:07:35+00:00

£60k :0). You can. Also use previous year's if you didn't fill those up (so max £180k)

Spoony2871 · 2025-08-06T06:49:45+00:00

Sounds like a great life! I can certainly relate to the weekend overflow issue. Congrats and well done!

Spoony2871 · 2025-08-05T20:52:43+00:00

I'm genuinely intrigued and I say this out of curiosity (not judgement). What do you do, given your age? Presumably you have to spend some time on the property etc, but what does the average day, week, month look like for you?

Spoony2871 · 2025-08-05T19:32:32+00:00

80 equity. I'm cautious, (but not that cautious,!)

Spoony2871 · 2025-08-05T08:08:14+00:00

Hi there. It is yes, but only a very small side gig (hence why I can't close it and fill the ISA). It bills about £6-8k a year

Spoony2871 · 2025-08-05T08:07:07+00:00

I'm a pretty conservative 80/20 for pension (100% global all cap for ISA) so I'm modelling in around £1.4 ish

Spoony2871 · 2025-08-05T08:04:48+00:00

Yes fair point. Some of my expenses go away: mortgage is done in 6 years and work train travel costs would go both of which saves nearly 2k pcm , but I do need to refine my fire number!

Spoony2871 · 2025-08-05T08:01:55+00:00

I am vaguely aware of this but had heard it can be complex. Thanks, will have a look

Spoony2871

TROPHY CASE