Welcome to Medical & Financial Ltd

We offer a comprehensive and independent financial consultancy and financial planning service exclusively to Doctors & Dentists, UK wide.

Our History

Medical & Financial Ltd was formed to provide an independent financial consultancy service to Doctors & Dentists throughout the UK. The directors have over 28 years experience dealing exclusively with doctors & Dentists and the NHS Pension Scheme.

Recent News: We are delighted to announce that Tim Forster has joined Medical & Financial. Tim comes to us from Wesleyan Medical Sickness, where he has been advising GPs in the South West for 15 years. He brings with him a wealth of experience and knoweldge and we are pleased to welcome him into the company. Now Tim is an Independent Financial Consultant he is able to offer clients a far wider spectrum of advice than he previously could and we look forward to working with him for many years to come.

Our Specialisation

We work only with the medical professionals above, which means that we understand the NHS Pension Scheme and the particulars of doctor's finances and income. This simplifies the financial planning process for our clients and allows us to provide high quality advice.

What Independence Means

Our commitment and contract is with our clients. We have no affiliation or attachment to any insurance company, investment or mortgage provider. Our recommendations are made following comprehensive research of the most appropriate solutions for our clients.

Our Services

The Company operates UK wide and provides individually tailored financial consultancy services and financial planning services to clients. We regularly provide financial presentations for 10 to 400 delegates, which can also be PCT accredited, and write for various medical journals, including for PULSE, Hospital Doctor, Dentistry and Independent Practitioner.

We offer comprehensive services, including advice on:
NHS Pension Scheme and benefits
Private pension planning
Post retirement planning
Annuities
Investment portfolio planning
Income protection
Professional expenses
Locum Cover
Life cover & family protection
Critical illness cover
Inheritance tax planning
Wills
Use of tax efficient allowances
Mortgages, residential, commercial & buy to let

Our commitment

Our aim is to build up long term relationships with our clients. We understand that you are busy and dealing with the same financial consultant who has the knowledge and understanding not only of the NHS pension scheme but also of your own financial affairs and requirements provides valuable continuity of service and simplifies and speeds up the financial planning process.

How we work

Ideally we meet all our clients face to face, as we feel it's important to work on a personal level; however we know that our clients are busy and that this may not always be possible. Therefore we are happy to discuss matters via email and over the telephone if required. Every client is different and we will work with you in a manner which is appropriate to you, to suit your individual requirements.

Our charges

All initial consultations are without obligation and or charge. We work either by fee paid by our clients or by commission by product providers. We will fully discuss these options and details of our fees or commission prior to any chargeable work being undertaken.