Matt Harrington, financial adviser for Lovewell Blake

Our Financial Planning advisers work closely with our healthcare team to provide a holistic service on all planning areas including tax advice, retirement and wealth protection, backed up by expert knowledge of the NHS pension scheme. This approach provides peace of mind to our clients that their tax and financial planning needs can be taken care of ‘all under one roof’. 

We understand the issues that medical professionals are facing with the changes that have been seen in pension legislation, and the pension scheme itself. 

Some of the areas you can speak to our advisers about are:

  • The Annual Allowance – understanding your level of pension input, scheme pays options and the impact this may have on your future benefits
  • The Lifetime Allowance – how changes in LTA rules may impact on your benefits at retirement, and options to help manage potential LTA charges
  • McCloud – helping you understand how the outcome of the McCloud judgement may impact your retirement decisions
  • 1995 / 2008 / 2015 sections – how membership in different sections of the schemes can be tailored to meet your retirement plans
  • Additional Pension / Added Years / ERRBO – how to maximise your pension benefits from the NHS pension scheme to achieve the retirement you want
  • Income protection – ensuring that you have sufficient income during your career to maintain your standard of living if you are unable to work
  • Financial security for you and your family - advising you on appropriate life / critical illness cover to complement the benefits that you receive from the NHS Pension Scheme
  • Tax-efficient investments – advice with ISAs and Venture Capital Trusts to provide a tax-efficient investment portfolio to work alongside your NHS pension benefits

If you would like to speak to one of our specialists healthcare advisers



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