The truth about doctors' money.
The NHS pension is one of the most valuable - and most misunderstood - assets you'll ever hold. Add the annual allowance taper, McCloud, and private practice, and the decisions get consequential fast.
£1.2m+
typical NHS pension value at consultant retirement
3
NHS pension schemes that may affect you (1995 · 2008 · 2015)
£10k
the tapered annual allowance can fall this low
What's your situation?
NHS only
Your pension, annual allowance, and the taper.
Private practice
Ltd Co, dividend strategy, and balancing NHS and private.
Near retirement
PCLS, drawdown vs annuity, McCloud, and what comes next.
Building wealth
ISAs, investing, and making your income work harder.
The truth about
Episodes for doctors
- The truth about income protectionLuke · 14 min
- The 4% rule was never a ruleLuke · 12 min
- Active or passive? The evidence, not the sales pitchAnick · 13 min
Guides written for doctors
Retirement
The NHS pension taper, explained without the jargon
Threshold income, adjusted income, and the point at which an extra shift starts costing you. A worked example.
12 min read · Luke
Retirement
Drawdown sequencing: the order you spend matters
Which pot you draw first can change how long your money lasts. The mechanism, with the numbers.
11 min read · Luke
Protection
Income protection vs critical illness: which one, when
They solve different problems. Buying the wrong one is expensive and common. A clear decision framework.
9 min read · Luke
Investing
The behaviour gap is real, measurable, and expensive
The difference between what your investments return and what you earn. Why it exists, and how to close it.
8 min read · Anick
Recommended for doctors
Retirement Ready
Your number, your timeline, your next 90 days. Guardrails, not hope.
ITK - In The Know
The financial questions doctors actually ask.