THE RETIREMENT PROGRAMME

Our signature programme which includes full forensic check for your 

NHS Pension records, combined with Annual Allowance education, scenario modelling and retirement planning support to help you understand your position, risks and next steps.

Most NHS professionals begin with our Pension Introduction Course which help you to get actionable insights about what really matters to you and how to create wealth inside and outside of the NHS Pension Scheme.

But when it comes to preparing for retirement, you need both — and more

The Retirement Programme goes one step further, diving deep into NHS pension scheme to uncover any fundamental issues that may affect your ability to retire.

By the end, you will have a clear, educational retirement planning framework to help you understand the trade-offs around retirement timing, income, lump sum choices, Annual Allowance, Scheme Pays, McCloud remedy and wider planning considerations.

What’s Included in The Retirement Programme:

Everything from the Pension Intro Session and the following:

✔ Full explanation of your NHS Pension scheme sections (1995, 2008, 2015, or a mix).

✔ Clear breakdown of your projected benefits and retirement options.

✔ Education on ways NHS members may build additional retirement provision, including AVCs, added years, additional pension and other savings routes, with clear signposting where regulated advice is required.

✔ Understanding how Annual Allowance and any existing Lifetime Allowance protection certificates, apply to you.

✔ Support with Annual Allowance and Scheme Pays calculations and how to use this payment method.

✔ What McCloud options may be available to you.

✔ Options for early retirement, flexible retirement, and lump sum choices.

✔ Integration of your NHS benefits with other savings, pensions, and income sources.

✔ Education on Partial Retirement and Retire and Return considerations, including key trade-offs and points where regulated, tax or employment advice may be needed.

Cash Flow Planning

 ✔ A full lifetime cashflow forecast covering your pension, property, savings, and expenditure.

✔ Scenario testing: retiring earlier, reducing or increasing hours, gifting to children, property moves, business sale, IHT, Trust and Estate planning.

✔ Scenario modelling to help you understand your target retirement income and whether your current trajectory appears aligned with it.

✔ Education on diversification and building assets outside the NHS Pension for flexibility, with signposting where regulated advice is required.

✔ Modelling the effect of tax, inflation, and investment returns on your future.

✔ Peace of mind by testing “what if” events such as illness, redundancy, or market downturns

What Makes the Retirement Programme Different:

✔ Forensic NHS Data Check – we obtain and verify your service record, identifying possible gaps, inconsistencies or errors that may affect your benefits.

✔ In-Depth NHS Pension Calculation Report – In-depth NHS Pension Report — an educational and illustrative report modelling multiple scenarios across relevant NHS Pension Scheme sections.

✔ Retirement Design Meeting – a strategic session where we help you to understand the trade-offs around income, lump sum choices, tax allowances and retirement timing.

✔ Written Retirement Plan – a clear, evidence-based plan that you can use as your roadmap for the next phase of life.

Why This Matters

The NHS Pension is complicated and errors are common.

Tax traps like the Annual Allowance and the effects of tapering can erode your benefits.

And most professionals don’t know whether they are saving enough elsewhere to achieve the lifestyle they want in retirement.

What’s Included in The Retirement Programme:

- A cashflow planning forecast you can see and understand.

- A bespoke retirement strategy mapped to your own personal goals

- Annual Allowance (inc. Carry Forward) historic and future projections

- McCloud modelling - legacy vs reformed scheme benefits

- An overview of your NHS Pension retirement options

- A complete picture of your retirement planning

The Retirement Programme takes around 3-6 months depending on what issues come up during the due diligence process. It's not uncommon for some cases to take up to 12 months, for reasons outside of our control.

This allows time for:

- Data collection from NHS Pension Scheme.

- Verification of service records and calculations

- Gathering due diligence from yourself and your accountants.

- Preparation of reports and scenarios.

- Planning meetings and retirement design.

Investment

£2,777

(add a spouse or partner for only £999)

Payment Plans are available on request

THIS COVERS:

Booking link to monthly consultations with Rachael Hall

NHS Pension Calculation Report with scenario testing

Annual Allowance Schedules with Carry Forward Pipeline - historic and future projections

McCloud Modelling

Contingent Decisions

Cashflow Planning

Retirement planning strategies and design

IHT Overview

Wealth Management Strategy sessions

*Pension Intro clients will receive a £500 discount off the price of this course.

© 2026 Seven Medical. All rights reserved. Seven Medical is a trading name of Dimensional Wealth® Group Limited, a company registered in England and Wales under company number 15741886. Registered office: Kensington House, Bishop Auckland, DL14 6HX. Telephone: 01388 605785. Seven Medical provides NHS Pension Specialist coaching, guidance, education, modelling, NHS Pension Reports, workshops and specialist guidance for NHS professionals. Seven Medical is not authorised or regulated by the Financial Conduct Authority. It does not provide regulated financial advice, investment advice, pension transfer advice, tax advice, legal advice, employment advice or actuarial advice.