As busy healthcare professionals, finding the time to manage your personal finances is daunting. The key questions confronting GPs and Consultants include:

  • How will pension changes affect you?
  • Are your personal and business affairs set up in the most tax efficient way?
  • Are you concerned about rising practice costs and decreasing profits?
  • When do you wish to retire? Do you want to retire early or reduce your working hours in the future?
  • Do you want to buy into or are you planning to retire from a practice?
  • When was the last time you reviewed your personal financial planning arrangements, including Locum* and Income Protection cover?
  • Are you providing the best auto enrolment compliant Employer Sponsored Pension Scheme for your staff?

We have the specialist expertise to help you plan to achieve the lifestyle you require now, and at retirement through your practice and personal financial conditions.

The value of a Pension with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.  You may get back less than you invested.

*Locum cover may include products and services that are separate and distinct to those offered by St. James’s Place.

NHS Retirement Planning Appraisal Service

Given legislative changes to pension provision, it has, perhaps, never been more important to assess your existing arrangements.

Alternative Pension Strategies

Given legislative changes to pension funding your overall pension pot can be subject to tax penalties.