Guide · Professional clients
How to choose a financial adviser for doctors
Doctors can have a mix of NHS pension benefits, private income, limited-company income and protection needs that does not fit every general adviser proposition.
What advice needs can overlap?
NHS pensionPublic-sector pension decisions can sit alongside personal pensions and investments.
Private workAdditional income or business structures can change the wider planning picture.
ProtectionIncome protection and family protection can matter where earnings support significant household commitments.
RetirementDifferent pension sources may need coordinating into one retirement plan.
Ask about repeated doctor experience
Ask how much of the adviser's client base is medical professionals and what types of NHS pension or private-practice cases they commonly handle.
Check what they do not cover
A financial adviser should not be treated as a substitute for specialist tax or legal advice. Ask how they coordinate with accountants or solicitors when required.
Compare service and fees
Check whether you need a one-off pension or retirement review or a broader ongoing planning relationship.
Sources & further reading