An NHS Pension Specialist helps you understand how your NHS Pension works, how your benefits may be calculated, and what issues may affect your retirement planning.

This can include the 1995 Section, 2008 Section and 2015 Scheme, Annual Allowance, Scheme Pays, McCloud remedy, partial retirement, retire and return, pensionable pay, service history, divorce and pension sharing issues.

At Seven Medical, our role is to help you make sense of complex NHS pension information in plain English, so you can understand your position, ask better questions and make more informed decisions alongside your other professional advisers.

No. Seven Medical is not authorised or regulated by the Financial Conduct Authority.

Seven Medical provides NHS pension education, financial coaching, modelling, guidance and NHS Pension Reports. We do not provide regulated financial advice, investment advice, pension transfer advice, tax advice, legal advice, employment advice or actuarial advice.

Where your situation requires regulated financial advice or another form of specialist professional advice, you can visit our sister company www.sevenstarswealth.co.uk which provides UK regulated independent financial advice.

An NHS Pension Report is a specialist report designed to help you understand your NHS Pension position more clearly.

Depending on your circumstances, it may review areas such as your scheme membership, service history, pensionable pay, estimated retirement benefits, Annual Allowance position, Scheme Pays, McCloud remedy, partial retirement options, retire and return considerations, or divorce-related pension issues.

The purpose of the report is to provide an illustration of what your future NHS Pension may be worth, the retirement options available to you, and the key planning issues you may need to consider.

This may include important nuances such as McCloud remedy choices, Annual Allowance, carry forward, Scheme Pays, pensionable pay, practitioner income, salary sacrifice, partial retirement, reduced sessions, programmed activities, early retirement or retire and return planning.

Where useful, the report can also include future pension scenarios, helping you understand how different decisions may affect your projected NHS Pension benefits.

Many NHS Pension reports focus mainly on the pension itself: what the Scheme may pay, when benefits may be available, and how tax or McCloud issues may affect the figures.

Seven Medical goes a step further.

We combine NHS Pension analysis with cashflow-led retirement planning, helping you understand not just what your NHS Pension might be worth, but how it may fit into your wider financial life.

That means we can help you consider questions such as:

When could I afford to reduce sessions or programmed activities?

What might partial retirement mean for my income?

How could Scheme Pays affect my future pension?

What happens if I retire earlier, later, or return to work?

How might my NHS Pension interact with savings, investments, property, private pensions or other income?

What level of income might I need to maintain my preferred lifestyle?

How do different choices affect my longer-term financial security?

This is where pension information becomes retirement planning.

The NHS Pension is often one of the most valuable financial assets a doctor has, but it should not be viewed in isolation. Your retirement decision is not only a Scheme calculation. It is a life, income, tax and timing decision.

Seven Medical helps bring those moving parts together.

Our work is designed to explain the key issues, highlight areas that may need further investigation, and help you prepare better questions for NHS Pensions, your employer, your solicitor, your accountant, your tax adviser or your regulated financial adviser.

Seven Medical is led by Rachael Hall, an experienced NHS Pension Specialist and regulated independent financial adviser. This means our work is informed by both technical NHS pension knowledge and wider retirement planning expertise. However, Seven Medical itself does not provide regulated financial advice. Where regulated advice is required, this will be clearly explained and handled separately through an appropriately authorised firm.

Where regulated financial advice is required, this will be made clear and you can visit www.sevenstarswealth.co.uk for more information.

An NHS Pension Report is not regulated financial advice and should not be treated as a personal recommendation.

Yes. We can help you understand the McCloud remedy and what the choice may mean in practical terms.

The McCloud remedy affects eligible public service pension scheme members and gives affected NHS Pension Scheme members a choice over whether they receive legacy scheme benefits or 2015 Scheme benefits for the remedy period.

We can help you understand the terminology, your Remediable Service Statement, the difference between the options, the wider retirement planning considerations, and the questions you may need to ask before making your decision.

We do not make the decision for you, and we do not provide regulated financial advice. Our role is to help you understand the information more clearly so you can make a more informed choice.

Yes. We can help you understand your NHS Pension Annual Allowance position and how Scheme Pays may fit into the wider picture.

Annual Allowance can be complicated for NHS doctors because pension growth is not simply based on the contributions you and your employer pay. It can be affected by pensionable pay, service, inflation, promotion, Clinical Excellence Awards, practitioner income, McCloud remedy, and membership across more than one section of the NHS Pension Scheme.

We can help you understand Pension Savings Statements, Remediable Pension Savings Statements, carry forward, tapered Annual Allowance, Scheme Pays and the potential long-term impact of using Scheme Pays.

We do not provide tax advice or complete your tax return. Where tax calculations or reporting are required, you should work with an accountant or tax adviser.

Yes. We can help you understand the NHS Pension issues that may arise during divorce or financial remedy discussions.

The NHS Pension can be difficult to interpret because different figures may be used for different purposes. For example, annual pension income, lump sum, Cash Equivalent Value, Pension Input Amount and pension sharing figures do not all answer the same question.

We can help you understand the pension terminology, the potential impact of pension sharing, McCloud, Scheme Pays, pension debit calculations, pension credit membership and retirement income issues.

We do not provide legal advice, actuarial advice or regulated financial advice. Our work is designed to help you understand the pension issues more clearly so you can have better-informed discussions with your solicitor, actuary, mediator or financial adviser.

You do not need to have everything ready before making an initial enquiry. However, the more information you can provide, the easier it is to understand your position.

Useful documents may include:

- Your latest Total Reward Statement or Annual Benefit Statement

- Any NHS Pension estimates you have received

- Your Remediable Service Statement, if you have one

- Pension Savings Statements or Remediable Pension Savings Statements

- Scheme Pays election forms or confirmation letters

- Any correspondence from NHS Pensions

- Details of your 1995, 2008 or 2015 Scheme membership

- Details of partial retirement, retire and return, opt-out or break in service history

- Divorce-related pension documents, if relevant

Any specific questions you want answered

If you are unsure what documents apply to you, we can explain what may be useful after your initial enquiry.