Pension & Investment advice & portfolio management for NHS staff & medical professionals
NHS staff & medical professionals often have excess income, savings or existing investments and pensions. We provide an investment management service to ensure their money is working to best advantage. We manage client accounts personally to give piece of mind that money is managed to best advantage allowing clients to focus on their work.
NHS pension advice
Changes in taxation have made some higher earning medical professionals exceed the annual pension contribution limits and lifetime allowance. This has significant financial implications in terms of extra taxation. We provide a review service to workers quantify their potential liabilities and where appropriate take steps to minimise them.
Private pension advice
Where medical professionals are not utilising their annual pension contribution allowance or annual lifetime allowance, funding retirement through a personal pension can be a tax efficient and effective way of saving. We provide bespoke recommendations and investment management tailored to a client’s requirements.
At retirement advice for NHS staff & medical professionals.
We frequently advise clients on how best to take benefits from their NHS and private pensions. In many cases this involves assessing the benefits of taking tax free cash or an enhanced pension income. We provide advice on how best to take benefits where a client is above the lifetime allowance. Where tax free cash has been taken, we can construct and manage a bespoke personalised investment portfolio suited to our clients needs.
Mortgage Advice for NHS staff & medical professionals.
We have experience and expertise in raising mortgages for high earning NHS staff and medical professionals. It is common for young Doctors to want to borrow more than their basic salary would normally allow based on a clear career progression. We have experience in raising higher than normal mortgage amounts for Doctors where appropriate.We frequently help Doctors with NHS and private practice earnings raise the mortgages or commercial finance they require.
NHS staff and medical professionals often work significant over time or bank shifts which many mortgage providers do not take account of when offering mortgages. We have experience in locating lenders willing to take this income into account.
Insurance to protect you and your family.
All of us want to protect ourselves and our family should we die, suffer a critical illness or a long term health complaint which may impact on our ability to work. We have expertise in working with people in difficult to insure occupations or with pre-existing health complaints. We offer to review existing plans to ensure they continue to meet your needs, and where appropriate recommend and set up new schemes tailored to your requirements. Trusts are routinely used to ensure the money is provided to those who need it in the most tax efficient way.
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