NHS Pension Advice

Now’s time to plan for you, not just your patients

Whether you're a doctor, nurse, consultant or another NHS professional, your pension is crucial to your financial future. But the system is complex and constantly changing. It's no wonder many feel confused, anxious and unsure about what to do next.

We'll help you understand and make the most of your pension benefits. We'll remove the jargon, explain what matters and help you make fully informed decisions about your future.

You may be asking

  • Why am I being charged annual pension tax, and can anything be done about it?
  • How do changes in my hours, role or pay affect my pension outcome?
  • What does the McCloud Remedy mean for me?

If these questions sound familiar, you're not alone. The NHS pension scheme is unlike any other – and your financial wellbeing depends on truly understanding how it works.

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What we'll do together

  • Assess pension tax charges and explore whether paying them still makes sense or if there are smarter strategies
  • Review your pension position, including your current scheme, projected benefit and key considerations
  • Explain the McCloud Remedy and what it means for your options, tax implications and future flexibility
  • Create a visual plan built around your goals, values and the life you want beyond work
  • Provide clear, tailored advice so you can confidently take action

What to expect 

  • A written report for your future, so you have a documented plan to refer to and share with your family if needed
  • A supportive discussion walking you through the pros and cons of each path – financially and personally
  • A thorough analysis and forecasts that show your choices and their impact on your future.
  • A detailed fact-finding process to fully understand your career, finances and goals
  • A relaxed, no-obligation first meeting to ask questions and get to know each other

Let's start making sense of your NHS pension today. No pressure, just honest advice and expert guidance.

Let’s chat

Butterfly Financial Planning Limited is a registered company in England, company registration number 10684845. Registered Address: Broadway Buildings, Elmfield Road, Bromley, Kent, BR1 1LW

Butterfly Financial Planning Limited is authorised and regulated by the Financial Conduct Authority, with the FCA firm reference number of 945907. The firm's regulated business is advising on and arranging regulated investments and insurance; the Financial Conduct Authority may not regulate other services.

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