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NHS Pensions

Planning for retirement following a career in the NHS can be like forecasting the weather, unpredictable and constantly changing, and recent changes to the NHS Pension Scheme have resulted in significant tax implications for members.

Our team of medical accountants work closely with specialist medical IFAs when appropriate to ensure you get the best advice for your particular circumstances and will explain the options, allowing you to make an informed decision about the way forward.

How we can help:

  • Check the accuracy of your membership history and details on your annual pensions savings statement
  • Establish your current position and assess your exposure to a pension tax charge
  • Review any Lifetime Allowances protections to ensure they are still valid and advise on current protections  and how to apply for them
  • Predict the Lifetime Allowance at your planned date of retirement
  • Forecast the Annual Allowance  for each tax year
  • Forecast the Annual Allowance as part of a long term planning strategy
  • Planning for retirement (incorporating predicting the optimum time to take 24 hour retirement)
  • Full financial review alongside a specialist medical IFA
  • Discuss and explore alternative options to the NHS Pension Scheme if appropriate and subject to your personal circumstances

We act for over 400 medical practitioners in the NHS Pension Scheme, so if you are confused, need advice or have any concerns regarding your NHS Pension contact us, we would be happy to have an initial discussion over the telephone as a first step to helping you. 

Our Maidstone and Northampton offices are members of the Association of Independent Specialist Medical Accountants (AISMA).

 


Useful links

NHS Pensions - Scheme Pays Election guidance notes

NHS Business Services Authority – NHS Pensions

NHS Business Services Authority – NHS Pensions Members Hub


"This proves as a salutary lesson to any GPs not using a medical accountant, I am glad that I came to you when I did"

Dr M, GP in Kent

Meet the team

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Andrew Leal

Partner

Andrew joined MHA MacIntyre Hudson in April 2019 following the merger with Kent based accountancy practice Percy Gore & Co, where he had been a partner since 1990. Andrew has a has a diverse portfolio in the healthcare sector comprising a range of GP Practices, Locum GP’s, GP Federations, Dentists, Hospital Consultants and other healthcare professionals.

Andrew regularly lectures and runs seminars on Primary Care finance.

Outside of work, Andrew is actively involved with his local church and enjoys running and sailing.

Get in touch with Andrew Leal
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James Dickman

Accounts Manager

James started with MHA MacIntyre Hudson in 2009 where he completed his training and has worked his way up to Accounts Manager. James is a specialist in the Healthcare sector and assist his clients with a variety of services, including:

  • Partnership and sole trader accounts and tax returns
  • VAT returns, including partial exemption calculations
  • Preparing superannuation certificates for the NHS pension scheme
  • Bookkeeping and management accounts
  • Due diligence and reviews of GP practices for merger and profitability purposes, including for local CCGs
  • Implementing, training and advising on cloud accounting solutions for all organisations nationally

James qualified as a chartered accountant in 2014 and is a part of the ICAEW Healthcare Sector Group. He looks after a large number of GP practices and a wide variety of medical consultants mainly in the Kent and London, but works with clients both nationally and internationally too.

James is a Xero certified advisor and a certified QuickBooks Online advisor which he uses as part of his nominated Digital Solutions contact role for the firm.

In James’ spare time he enjoys playing snooker and pool as well as a round of golf and watching the Formula 1.

Get in touch with James Dickman
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Marissa Lebeau

Accounts Director

Marissa has a wealth of experience across the sectors but for many years has had many clients in farming, owners of land and trusts. She enjoys engaging with clients discussing family matters, offering guidance and support and along with her tax colleagues advising on tax structures for now and in the future.

Dealing with owner managed businesses is a firm favourite of Marissa’s, looking at family involvement, compliance, raising value and succession planning.

Get in touch with Marissa Lebeau
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Steve Cosford

Healthcare Director

Steve has worked in the profession since 1988 and is a Healthcare Director, who leads a team specialising in servicing the accounting and business needs of general medical practitioners.

He works with GP Partnerships and GP Federation companies, along with other associated businesses including GP owned pharmacies and locum companies.

Steve has also recently been involved in the formation of a number of super partnership mergers.

Get in touch with Steve Cosford

What they say about us

The continuity with their core specialist sector team and ability to give advice across several areas of support has been key to us working together. - Feefo Holdings Ltd

What they say about us

The team at MHA MacIntyre Hudson have taken away the burden of the day to day bookkeeping, payroll and CIS work off me. This has enabled me to spend more time working on my business, finding new work, new ideas and ways to be more profitable. Thanks to the help I’ve received, I can see a bright future for me and my company. Luke Day - Complete Wiring Solutions