For UK medical professionals
From your first foundation year post to consultant private practice and GP partnership, we build financial plans around the realities of a medical career — NHS pensions, rotations, locum income and the tax that follows them.
Specialist advice for doctors
From foundation year to retirement
Career stage pathway
Stage 01 · Foundation & Core Training
The financial foundations that make the next decade easier — debt, pension and a first home.
Stage 02 · ST3 and beyond
Rising income, locum work and rotations that move you around the country — structured properly.
Stage 03 · Substantive posts & private practice
Peak earning years where pension tax and private income decisions carry the largest numbers.
Stage 04 · Partnership & ownership
Business owner and clinician at once — with partnership, property and legacy to balance.
What we do
1995, 2008 and 2015 scheme analysis, annual allowance testing, scheme pays, McCloud remedy implications and retirement modelling.
Evidence-based portfolios matched to your risk profile, held tax-efficiently across ISAs, SIPPs and general investment accounts.
Access to lenders who underwrite doctors on training contracts, locum income and private practice earnings rather than rigid payslip rules.
Income protection, life cover and critical illness sized against NHS sick pay, private income and family commitments.
Private practice and limited company structuring, salary and dividend planning, and coordination with your accountant.
Inheritance tax planning, trusts, nomination of pension death benefits and passing wealth on with intention.
Case studies
Case Study 01
Two high-street lenders declined the application. Repeated rotations, short contracts and variable locum shifts meant their historical earnings looked inconsistent on paper, despite a confirmed training path.
Read the full caseCase Study 02
A substantive consultant post combined with the first year of private work pushed adjusted income into the taper. A significant pension input amount created an unexpected annual allowance charge and no plan for surplus income.
Read the full caseCase Study 03
Growing private and medico-legal income sat untidily alongside partnership drawings, and existing cover would have paid out far below the household's needs if illness stopped them working.
Read the full caseAn initial consultation is at our cost and without obligation.
