Sector

We speak NHS, locum, and private practice fluently.

for Healthcare Professionals

Specialist accounting for doctors, dentists, locums, and healthcare practices — NHS pension issues, locum tax, partnership accounts, and tax planning.

What you face

The bits that keep you up.

NHS pension annual allowance charges hitting consultants and GPs
Locum income across multiple trusts and CCG payers
Dental practice accounting (NHS UDAs, private mix, expenses)
Whether to incorporate (specifically for dentists post-Lewis)
Pension annual allowance taper and lifetime allowance changes

How we help

What we actually do.

Annual allowance charge analysis and Scheme Pays elections
Locum tax returns including subsistence and travel claims
Practice accounts and partnership self-assessment
Incorporation strategy reviews with full tax modelling
Pension forecasting against career trajectory
Specialist tax planning for higher earners

Healthcare professionals have some of the most complex tax situations we see — NHS pension annual allowance, locum income from multiple trusts, taper traps for high earners, and constantly-changing rules.

We’ve supported GPs, hospital consultants, surgeons, dentists, and locum doctors for years. We understand NHS pension language (1995, 2008, 2015 schemes; legacy and CARE), we calculate annual allowance charges accurately, and we know how to make Scheme Pays work for you.

The questions we get

Answered, properly.

If yours is not here, ring us. We answer in four rings on weekdays and write back the same day on emails.

01 Why am I getting an annual allowance tax charge?

If your pension input amount (the increase in NHS pension benefits) exceeds the annual allowance (£60,000 for most, less for very high earners due to taper), you get a tax charge. We calculate the charge, work out whether to use Scheme Pays, and make sure you're claiming all your unused allowance from the previous three years.

02 Can I go limited as a doctor or dentist?

Doctors generally can't operate clinical work through a Ltd company because of the IR35 / off-payroll rules in NHS settings. Dentists can in private practice. We'll review your specific setup and tell you straight.

03 What can locum doctors claim?

Travel between trusts (not commuting to a single regular workplace), subsistence on overnight trips, professional subscriptions (BMA, GMC, Royal Colleges), indemnity, courses and exams, and a portion of home office costs. We make sure none of it is missed.

Next step

Bring the messy bits. We'll quote in writing.

Twenty minutes on the phone, no obligation. We tell you the price before any work begins, and we will tell you straight if we are not the right fit.

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