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
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David Lockitt
Manager
David joined in December 2018 following the merger of his previous firm, he has joined us as a manager and adds further expertise to our Healthcare team.
He is currently spending an increasing amount of time advising clients with moves on to cloud based software in order to help them find more time to cope with the increasing demands being placed on them by the NHS. David firmly believes that providing clients with this extra time is fundamental to keeping a balanced life.
In his spare time David is Treasurer for his local district scout group, he also spends (too much) time playing golf (currently off single figures) or out walking his dog. Occasionally spending time with his wife and two girls.
Get in touch with David Lockitt
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.
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Anthony Brand
Partner
Anthony joined MHA in 2018 following the merger of Haines Watts Kent. He has been practising in Kent since 1986 and has a breadth of experience in both the healthcare and owner-managed business sectors.
He focuses on regular hands-on advice to clients to help them set and meet their objectives by identifying opportunities and potential problems.
Golf, gardening, walking and cycling are all interests – just not enough of the time!
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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.
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