The Retirement Programme
Our signature programme which includes full forensic check on your NHS Pension records, Annual Allowance strategies, cashflow planning and bespoke retirement design.
Most NHS professionals begin with our Pension Intro Session, which gives clarity on how your pension works and what your projected benefits might be. Many also add Cashflow Planning, which maps out income, assets, and spending to show whether you’re on track for your goals.
But when it comes to preparing for retirement, you need both — and more
That’s why we created The Retirement Programme: a three-month, all-inclusive service that brings together everything from the Pension Intro Session and everything from Cashflow Planning, then builds on it with forensic NHS data checks, scenario modelling, and a bespoke retirement strategy.
This is our signature service. By the end, you will have a clear, personalised roadmap to retirement — designed around your NHS Pension, your wider wealth.
What’s Included in The Retirement Programme
1. 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.
2. Everything from 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
3. 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:
-Initial consultation
-NHS Pension Calculation Report
-Full cashflow planning and scenario testing
-Retirement design meeting
-Written retirement plan
By the end, you’ll have everything from the Pension Intro and Cashflow Planning sessions — plus a complete, personalised retirement roadmap.
Note: Pension Intro clients will receive a £500 discount off the price of the programme when migrating to The Retirement Programme.
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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