INTRO TO PENSIONS
Your NHS Pension is one of your most valuable benefits — but also one of the most complicated.
Most doctors and healthcare professionals are left wondering:
When can I retire?
How much will I actually get?
Am I saving enough elsewhere?
Will I be hit with a massive Annual Allowance tax bill?
Our Intro to Pensions is designed specifically for NHS professionals. Using specialist tools and our deep expertise in NHS pensions, we build a personalised financial forecast that answers these questions and more - giving you clarity, confidence, and control over your future.
What the Session Involves
Discovery (15-20 mins) – We discuss your role, pension history, and wider financial goals.
Your NHS Pension (60 mins) – We explain your scheme membership (1995/2008/2015), calculate projected benefits, and review options such as early retirement, lump sums, and flexible retirement.
Cashflow Forecast (60 mins) – We input your NHS Pension benefits, other income, assets, and expenditure into our software to map your finances year by year.
Scenario Testing (60 mins) – Together, we explore “what if” questions:
- Whether you should build other assets around the NHS pension scheme
- What sort of investment returns are needed to create the desired future income
- Whether you are investing and saving enough
- How much you can expect from the NHS Pension Scheme
- Whether you should consider making additional pension contributions
Next Steps (15 mins) – We summarise your position and set out a clear roadmap for your retirement planning.
Total time: around 180-240 minutes online
What You’ll Walk Away With
Clarity on your NHS Pension options: retirement age, lump sums, early retirement reduction factors, flexible retirement choices.
Guidance on increasing benefits: whether extra contributions, AVCs, or investing elsewhere makes sense for you.
Understanding of tax allowances: how the annual allowance works, what paperwork to expect, and how to avoid or manage charges.
Diversification strategies: how to build wealth outside the scheme to balance flexibility with security.
Target income planning: a realistic picture of what level of income you should aim for in retirement.
Confidence: the ability to make life decisions — reducing hours, changing role, or retiring earlier — backed by evidence, not guesswork.
Peace of mind: knowing your family’s financial security is protected if circumstances change.
Why This Matters-
Your pension is the foundation of your retirement, but it’s only one part of the picture. By combining specialist NHS Pension guidance with sophisticated cashflow planning, you’ll see your entire financial life on one page. You’ll know what’s possible, what’s sustainable, and what needs adjusting.
BOOK YOUR SESSION
Don’t leave your retirement to guesswork. Book your NHS Pension Cashflow Planning Session today and take the first step towards clarity and control.
FEES - NHS Pension Cashflow Planning Session: £1,250 £500 per person
(includes full 90-minute session, preparation of your financial forecast, scenario testing, and a written summary of your options)
Ongoing annual review (optional): £750 per year to keep your plan up-to-date.
"Seven Medical" is a trading style of Seven Stars Private Wealth Limited which is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. Seven Stars Private Wealth Limited is entered on the FCA register (www.FCA.org.uk) under no. 1004978. Registered office: Kensington House, Bishop Auckland, DL14 6HX. Telephone number 01388 605785. Registered in England and Wales Number: 09788039. Please note that Seven Medical provides unregulated pension guidance and financial coaching for members of the NHS pension scheme and operates outside of the remit of the FCA. 2Plan wealth management Ltd is a wholly owned subsidiary of 2plan Group Ltd. 2Plan wealth management Ltd is authorised and regulated by the Financial Conduct Authority. It is entered onto the FCA register (www.fca.org.uk) under reference 461598. Registered office: 2plan wealth management Ltd, 3rd Floor, Bridgewater Place, Water Lane, Leeds, LS11 5BZ. Registered in England and Wales Number: 05998270. © Copyright 2023 Seven Stars Private Wealth Limited. All rights reserved.
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