THE RETIREMENT PROGRAMME
Our signature programme which includes full forensic check for your
NHS Pension, combined with Annual Allowance strategies, grounded in financial planning solutions, to create a retirement strategy that helps you get real results.
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, personalised retirement plan which helps you to optimise your NHS pension benefits: maximise income and minimise taxation.
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.
✔ Guidance on increasing pension benefits (AVCs, added years, additional contributions).
✔ 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.
✔ Whether you should consider Partial Retirement or Retire and Return.
Cashflow 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.
✔ Clarity on your target retirement income and whether you’re on track to achieve it.
✔ Guidance on diversifying and building wealth outside the NHS Pension for flexibility.
✔ 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, correcting errors that could otherwise cost you thousands.
✔ In-Depth NHS Pension Calculation Report – a regulated report forecasting multiple scenarios across all NHS sections.
✔ Retirement Design Meeting – a strategic session where we build your bespoke retirement plan and show how to minimise tax, optimise benefits, and achieve your goals sooner.
✔ 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 complex. Errors are common. Tax traps like the Annual Allowance and Lifetime Allowance can erode your benefits. And most professionals don’t know whether they are saving enough elsewhere to achieve the lifestyle they want in retirement.
The Retirement Programme answers all of this by giving you:
- A complete picture of your pension and wider finances.
- A lifetime forecast you can see and understand.
- A bespoke retirement strategy designed to optimise tax and income.
The Retirement Programme takes around 3-6 months. 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
Cost: £2,799 (add a spouse or partner for total price is £3799)
THIS COVERS:
121 consultation with Rachael Hall
NHS Pension Calculation Report
Full cashflow planning and scenario testing
Retirement planning meeting
Written retirement plan
By the end, you’ll have everything from the Pension Intro and Cashflow Planning session:
plus a complete, personalised retirement roadmap.
Pension Intro clients will receive a £500 discount off the price of this course.
NEXT STEPS
If you are within ten years of retirement or simply want certainty about your financial future, The Retirement Programme is your natural next step. Book your Pension Intro Session first if you are at the start of your journey. If you are ready for the full picture — every detail, every scenario, every option explored — then The Retirement Programme is for you.
"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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