We understand the complexities of financial planning as a medical professional. There are lots of things to consider: your NHS pension, investing for the future, income protection, retirement planning, and passing wealth to future generations.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
We’ll take a close look at your financial big picture, and put in place a plan that’s able to maintain the lifestyle you want while also sustaining your wealth into retirement.
It can be difficult for healthcare professionals to find time in their schedule to manage personal finances. However, it’s important to consider some key financial questions.
We understand the issues and complexities you face with your financial planning as a dentist. Whether it’s understanding the NHS pension scheme or how best to protect you and your practice, we’re here to help.
We’ll take a close look at your financial big picture, and put in place a plan that’s able to maintain the lifestyle you want while also sustaining your wealth into retirement.
We’ll take a close look at your financial big picture, and put in place a plan that’s able to maintain the lifestyle you want while also sustaining your wealth into retirement.
You will recognise the Capstone client relationship from your own work with patients. You would never offer a diagnosis and treatment plan without first understanding a patient’s current health and their full medical history. We are the same.
Book Initial Consultation
Confirm meeting with a medical specialist adviser and sign authority to access your NHS Pension data.
This is a crucial part of the discussion in the first consultation.
No Obligation Initial Consultation (45-60 minutes)
We will explain the NHS pension schemes, annual allowance, the McCloud Remedy and partial retirement. Review your NHS pension in detail and identify any errors in your record.
This helps us have an initial discussion about your broader retirement plans and how your NHS pension
can be maximised to achieve those plans. We also outline the additional information we require to make
the most of the “Getting to Know You” session.
No Obligation ‘Getting to Know You’ Session (60-90 minutes)
We use the information you provide to discuss your current and future financial objectives, and to understand your goals and priorities.
We will gain an understanding of your current income vs outgoings, compared to what you will need in retirement and forecast your retirement income to map this against your objectives.
We also discuss potential threats to this plan, your plan B and outline all opportunities to save tax, build wealth, and maximise your assets.
Presenting Your Plan (60 minutes)
This is when we deliver a detailed recommendation on the best way to optimise your financial plans and discuss any specific products recommended to put this plan into action.
We also detail all associated costs and charges should you move forward with the advice.
Implementation
Having given you time to reflect on our advice and recommendations, we will complete application forms and documentation.
We are now able to welcome you as a client of Capstone and discuss the ongoing advice service, which is offered quarterly, half yearly or annually to ensure your plans remain on track. You will also be given access to your online wealth account.
Read our medical brochure to find out how we can help you navigate the complexities of financial planning as a medical professional
Download Your Guide Here
