Expert financial advice for nurses


Expert financial advice for nurses

Expert financial advice for nurses

You work hard for your money – but is your money working hard for you? Maybe, like many people, you know you should be doing something about your finances but aren’t quite sure where to start. Or perhaps you never have time.

We have been helping nurses build, protect and enjoy their wealth for more than ten years. We therefore understand the financial implications of your chosen career path, including the NHS pension scheme.

We can work with you to resolve personal financial planning issues, so that, whatever your stage in life, you know that your finances are arranged in a way that suits your priorities and lifestyle.

Take the next step

Need help working out how to make the most of your money?
Call us on

08000 85 85 90

to book an appointment with one of our advisers. Or request an appointment online:

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Starting out

You have studied hard to qualify, you have good earning potential but right now money is likely to be tight. You have student debts to repay, yet you may like to buy a house, not to mention have the occasional holiday. A little foundation financial planning can set you on the road to a secure financial future.

Financial health check:

  • Do you have a fund for emergencies?
  • Is your income protected properly?
  • How much do you need to save for a deposit on a property?
  • Do you understand your mortgage choices?
  • Are you aware of how the NHS pension scheme works?

Young family

Work is demanding as you progress in your career, while home life is pretty hectic too. Financially things are not much easier, but you will want to make sure that the family’s finances are secure and that you can give your children the best possible start in life.

Financial health check:

  • Have you checked that your family’s income is adequately protected if you were to be off work due to an accident or serious illness? How would your family manage should you die?
  • You may be thinking about moving to a bigger home, but how much can you afford?
  • Do you understand the details of the NHS pension schemes? Making additional contributions is a tax-efficient way of boosting your pension fund.
  • How will you fund your children’s education or weddings? Are you making regular investments into a suitable fund?

Children growing up

Your children are becoming independent, you are reaching the peak of your earnings, so you may well have more disposable income. You want to enjoy this relative freedom – now is the time to look ahead rather than simply pay the bills.

Financial health check:

  • Is your investment portfolio living up to your expectations? Is it as tax-efficient as it could be?
  • Do you need to make additional pension provision, outside your NHS scheme? Get an estimate of your NHS pension.
  • If you already have a private pension, are you aware of the latest restrictions on contributions?
  • Are you thinking about buying a holiday home, perhaps abroad? Have you paid off your mortgage?

Approaching retirement

Having reached the peak of your career, you are enjoying increased financial freedom. Wealth preservation is likely to be your priority, together with maximising financial opportunities to ease yourself into retirement.

Financial health check:

  • Can you afford to retire early? What impact would this have on your pension in later life? Get an estimate of your NHS pension.
  • Should you take a tax-free lump sum?
  • Do you need fixed or variable income in retirement?
  • When did you last take stock of your investments? Do the funds reflect your current attitude to risk?
  • If you have inherited money, should you invest it or pay off your mortgage?


It is time to enjoy what you have achieved over the years. Financially, you will want to be in a position to maintain your lifestyle and have adequate resources to deal with any unexpected major expenditure.

Financial health check:

  • What steps have you taken to protect your family home and other assets?
  • Are your pensions and investments generating sufficient income? How tax-efficient are they?
  • If you are moving to a smaller property, what should you do with the proceeds? There could be a tax-planning opportunity.
  • If you have dependents, would they continue to receive income should you die?


Making your money work harder....

Each year we organise more than 1,000 financial planning seminars and surgeries in the workplace for professionals such as nurses and teachers.

Would you benefit from attending a seminar on a financial issue such as:

  • understanding your pension scheme
  • boosting your pension provision
  • protecting your family’s income
  • investing for income & growth
  • maximising income in retirement
  • inheritance tax planning?

If so, is an event scheduled
for your area?

About to retire? Our annuity service can help you get a higher level of income income. Are you paying to much for your mortgage? Our independent mortgage specialists may be able to find you a better deal.

What are your goals?

Here are the most common goals customers who are nurses tell us they would like to achieve. What are yours?

  • Buy a property.
  • Protect the family.
  • Move to a bigger house.
  • Pay university fees.
  • Buy a place abroad.
  • Reduce income tax.
  • Build up pension fund.
  • Preserve your wealth.
  • Maintain your lifestyle.
  • Pass on your wealth.

Talk to us – we can help you achieve them.