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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

Photo of Martin Ramsey

Martin Ramsey

Partner

Martin joined MHA MacIntyre Hudson in 2017 having spent 16 years working in the assurance team of a top 5 firm and having been in the profession for 27 years.  Martin deals with a mixed portfolio of clients but has particular sector specialisms in healthcare and professional practices. 

In addition to his audit and accounting work Martin has been involved in many other areas of advice such as in the areas of client money accounting and the related regulatory issues, mergers and acquisitions particularly in the professional’s space, funding, business structuring and incorporations, benchmarking and so on.

Martin’s preferred way of working is through face to face client relationships where he has the opportunity to really understand the clients business and offer support and advice based on both the personal and corporate aspirations of the client.

Outside of work Martin is married with three children who keep him busy.  He is also a keen cyclist and enjoys a day’s fly fishing when the weather is fair.

Get in touch with Martin Ramsey
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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
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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
Photo of Anthony Brand

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!

Get in touch with Anthony Brand

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 whole team are exceedingly knowledgeable and the main benefit of working with MHA MacIntyre Hudson is the reassurance I feel that our business is in safe hands. Hayley Wilson - Fenmarc
Finance Director