Your NHS pension is one of the most valuable benefits you have. We provide personalised guidance to help you understand your scheme benefits, identify errors, navigate tax complexities, and make informed decisions about your retirement — tailored to your unique objectives.
At Wealth Genius, our NHS Pension Advice service is designed to support doctors, GPs, dentists, consultants, nurses, and healthcare professionals with clear and structured pension planning guidance.
As a trusted NHS Pension Adviser in UK, we help healthcare professionals better understand pension growth, retirement options, Annual Allowance exposure, and long-term financial planning considerations.
Whether you are a Hospital Doctor, GP, Dentist, Nurse, or Senior Manager, your NHS pension comes with unique complexities. Different schemes, changing legislation, and personal career decisions all affect your retirement outcome.
Our NHS Pension Analysis is not a one-size-fits-all report. We take the time to understand your personal goals and objectives — whether that is planning for partial retirement, understanding the impact of a salary sacrifice car scheme, evaluating a change in working pattern, or assessing the true cost of Annual Allowance tax charges. Every analysis is tailored to your circumstances.
Our NHS Pension Guidance in UK service focuses on helping clients make informed retirement and pension planning decisions with greater clarity and confidence.
Critically, we review your pension records for errors and, where discrepancies are found, we follow up with NHSBSA on your behalf to get them corrected. This proactive approach has saved our clients significant sums in corrected tax charges and increased pension entitlements.
As an experienced NHS Pension Consultant, we understand the financial complexities faced by healthcare professionals and provide guidance tailored to individual NHS career structures and pension arrangements.
Important: Our NHS Pension service provides guidance based on the information you supply. We help you understand your options and their potential outcomes. Final pension decisions remain your personal responsibility. This is a guidance service and does not constitute regulated financial advice. The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
A comprehensive, personalised report covering every aspect of your NHS pension position - from current benefits through to retirement projections and tax planning.
A detailed calculation of your accrued pension benefits across all scheme sections (1995, 2008, and 2015), giving you a clear snapshot of where you stand today.
Our NHS Pension Planning process helps clients understand how different scheme sections interact with future retirement outcomes and pension growth.
Projections of your benefits to your chosen retirement date, including standard pension, maximum lump sum options, and the net monthly pension applicable to each scenario.
Retirement modelling forms an important part of our NHS Pension Advice service, helping clients review different retirement scenarios and income outcomes.
A summary of your current and future tax positions against both Annual Allowance and Lifetime Allowance thresholds, so you know exactly where you stand and can plan ahead.
We also provide guidance on pension taxation, carry forward opportunities, and Annual Allowance exposure as part of our NHS Pension Guidance in UK service.
We proactively review your pension records for discrepancies. Where errors are found, we liaise with NHSBSA to help resolve them - potentially saving you thousands in corrected charges and increased entitlements.
Many healthcare professionals are unaware that NHS pension records may contain discrepancies that can affect long-term retirement outcomes and tax calculations.
An assessment of the impact of using Scheme Pays to settle Annual Allowance tax charges, including how this affects your pension benefits so you can weigh the true cost before making a decision.
Our NHS Pension Consultant service helps clients better understand the long-term financial implications of Scheme Pays elections and pension taxation decisions.
Personalised modelling aligned to your objectives - partial retirement, salary sacrifice arrangements, changes to working hours, additional responsibilities, or the impact of the McCloud ruling on your benefits.
Our NHS pension adviser for doctors service is specifically designed to support healthcare professionals with complex pension arrangements, variable NHS income structures, and retirement planning considerations.
We offer a range of fixed-fee services so you know exactly what you will pay. Your adviser will confirm the applicable fee before any work begins on your behalf.
Our NHS Pension Advice services are designed to provide structured analytical support while helping healthcare professionals better understand their pension position and retirement options.
Our flagship service. We cut through the complexity of the NHS Pension Scheme and deliver a personalised report built around your goals — whether that is optimising your retirement date, understanding tax charges, or modelling the impact of career decisions on your pension.
We review your records for errors and follow up with NHSBSA to get them corrected. We model scenarios unique to you, including partial retirement, salary sacrifice car schemes, changes to working patterns, and more.
This streamlined service helps you understand your NHS pension benefits, your options at retirement, and how the McCloud Remedy may affect your service between 2015 and 2022.
Our NHS Pension Planning support is designed to help healthcare professionals prepare for retirement with greater confidence and understanding.
We complete a full review of your Annual Allowance position for the 2023/2024 and 2024/2025 tax years, confirming your pension input amounts, identifying unused allowance for carry forward, and highlighting any excess that may give rise to a tax charge.
We also provide an indication of your projected position for 2025/2026 based on current information, giving you clear visibility of any potential exposure in the coming year — months before official statements are issued.
Our NHS Pension Consultant service also supports healthcare professionals reviewing Annual Allowance tax exposure and pension growth concerns.
Explore additional Wealth Genius services designed to support your long-term financial journey!
Visit the registration form →Get the complete picture with both services combined at a fixed fee of £2,000 + VAT
Discounted to £1,500 + VAT for existing clients who have completed a Pension Analysis in the last 24 months.
Many NHS employers offer salary sacrifice arrangements — most commonly for lease car schemes, cycle-to-work, or additional childcare vouchers. While these can offer National Insurance savings, they reduce your pensionable pay, which directly impacts your NHS pension benefits and Annual Allowance position.
The interaction is not straightforward. A lower pensionable pay may reduce your pension growth, but it could also reduce an Annual Allowance tax charge. In some cases the tax saving outweighs the pension reduction — in other cases it does not. The answer depends entirely on your individual circumstances.
Salary sacrifice reduces your pensionable pay, which lowers the rate at which your pension accrues. We model the long-term effect on your projected retirement benefits.
Lower pensionable pay can reduce your pension input amount, potentially reducing or eliminating an Annual Allowance tax charge. We calculate the net effect for your specific situation.
Before entering into a salary sacrifice arrangement, you should understand the full financial picture. Our analysis models the exact trade-off so you can proceed with confidence.
| Annual Salary (Pre-Sacrifice) | £95,000 |
| Lease Car Sacrifice Amount | - £6,000 |
| New Pensionable Pay | £89,000 |
| Annual NI Saving | £720 |
| Reduction in Annual Pension Accrual | - £324 p.a. |
| Potential AA Tax Charge Reduction | £2,700 |
| Net Position | Scenario-Dependent |
Illustrative example only. Actual figures depend on your individual scheme membership, salary level, and personal circumstances. This does not constitute financial advice.
From initial registration to receiving your personalised report, we guide you through every step of the process.
Sign up via our registration link. During registration, you will provide your key details and tell us about your goals and objectives for the pension analysis. This helps us personalise the service to your exact needs — whether that is modelling partial retirement, understanding salary sacrifice impacts, or reviewing your Annual Allowance position.
You will receive our Terms of Business and Guidance Fee Authority via DocuSign for electronic signature. Once signed, an invoice will be issued for the agreed fixed fee. There is a 7-day cooling-off period from the date of signing.
You will receive a secure SharePoint link — your personal client portal — where you can upload your pension documents, payslips, Total Reward Statements, and any other relevant records. Our team will guide you on exactly which documents are needed and will follow up to ensure everything is in order.
Our team analyses your pension records in detail. We cross-reference your data, check for discrepancies in service records, pensionable pay, and Annual Allowance calculations. Where errors are found, we liaise directly with NHSBSA to get them investigated and corrected.
You receive a comprehensive written summary covering your projected benefits, tax position, scenario modelling, and clear guidance on your options and next steps. A follow-up consultation is included to walk you through the findings and answer any questions.
We provide guidance to NHS pension members across the following Health Boards, Trusts, and regions. If your employer is not listed, please get in touch — we are likely still able to help.
Cardiff and Vale University
Aneurin Bevan University
Cwm Taf Morgannwg
Bristol
Swansea
Southmead
Public Health Wales
and more...
Whether you are reviewing an RPSS statement, concerned about Annual Allowance exposure, or seeking clarity around pension changes, Wealth Genius is here to provide practical and structured guidance tailored to your circumstances.
📞 Book a consultation today or call us on 07919 101 221 and discover how personalised McCloud Remedy planning can support your long-term financial confidence.
An NHS Pension Adviser in UK provides guidance on pension benefits, retirement planning, Annual Allowance concerns, Scheme Pays decisions, and long-term NHS pension planning considerations.
NHS pensions are complex and can involve multiple scheme sections, pension taxation, retirement planning decisions, and Annual Allowance calculations that require careful review.
NHS Pension Planning may include pension benefit calculations, retirement projections, tax planning, Scheme Pays assessments, McCloud Remedy considerations, and pension record reviews.
Doctors and GPs often have additional pension complexities linked to variable income structures, private practice earnings, Annual Allowance exposure, and retirement planning decisions.
An NHS Pension Consultant helps healthcare professionals better understand pension growth, tax positions, retirement options, and long-term pension planning strategies.
Yes. Pension analysis reviews may identify discrepancies within NHS pension records that could affect retirement benefits and tax calculations.
Healthcare professionals commonly review their NHS pension position annually or whenever significant career, income, or retirement planning changes occur.
