Medical Finance

Wealth Planning

Navigate NHS pension complexities and build lasting wealth with strategies tailored to medical careers.

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Wealth Planning for Healthcare Professionals
NHS Pension Expertise

Three pension schemes, one specialist team

The NHS Pension Scheme operates across three distinct schemes — the 1995, 2008, and 2015 arrangements. Each has different accrual rates, retirement ages, and contribution structures. Understanding how they interact, particularly following the McCloud remedy, is essential for maximising your retirement benefits.

  • 1995 Scheme: Final salary, retirement age 60
  • 2008 Scheme: Final salary, retirement age 65
  • 2015 Scheme: Career average (CARE), state pension age
  • McCloud remedy: Choice between legacy and reformed benefits
  • Annual allowance monitoring and tax charge prevention
  • Scheme Pays elections and alternatives

Wealth Planning Services

NHS Pension Scheme analysis and projections
Annual allowance and lifetime planning
Retirement date optimisation
Investment portfolio structuring
Inheritance tax planning (BPR/APR)
Trust structures for wealth protection
Pension commencement planning
Salary sacrifice arrangements

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Book a free, no-obligation consultation with our specialist team.

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