Reviews from NHS Professionals
NHS professionals dedicate their lives to caring for others, but often struggle to find the same clarity with their own finances. The NHS pension is complex — with multiple schemes (1995, 2008, 2015), different contribution tiers, and rules that keep changing. Long shifts and limited time often push investing and planning aside.
Â
That’s why we provide educational support to NHS students, helping them understand how the pension system works, learn general principles for planning their retirement, and make informed financial decisions without feeling overwhelmed.
Melissa Yauri Turned NHS Complexity into into Greater Clarity
Melissa works as a Pharmacy Supervisor with the NHS.
For a long time, she struggled to fully understand how things worked for NHS workers, especially regarding pensions and retirement. With little knowledge of personal finance, she felt deeply worried and uncertain about her future.
But it was exactly this feeling that pushed her to take action.
She joined us with a clear goal: to bring clarity to her situation and finally start building a future she could understand and feel in control of.
Over time, she learned general principles for understanding the NHS pension system and planning for long-term financial goals, helping her feel more in control of her future.
Amir and Vivianna wanted more flexibility with their NHS pensionÂ
Amir and Vivianna are both nurses living in the UK.Â
They had challenges with NHS pension: unlike some private scheme, the NHS pension doesn’t offer much flexibility to manage the capital they’ve built up. On top of that, accessing details about contributions and investments is often complicated and limited.
They wanted more control over their finances—a way to actively manage part of their money, instead of relying only on the NHS pension. Rather than focusing only on their existing scheme, they learned general principles about additional pension accounts can offer greater flexibility and oversight.
They also explored how making extra contributions to certain types of pension accounts can support tax-efficient planning and provide clearer insight into their investments.
Pia aimed to secure her NHS benefits before returning to Switzerland
Pia Borgas is a doctor working in the NHS, originally from Switzerland.
Her long-term plan has always been to return home and continue her career there.
Like many others, she was concerned about the limited control over her NHS pension and the lack of clarity on how to make the most of her savings and tax allowances. She also had to think about how to manage her UK investments once she moved back to Switzerland.
With our help, Pia explored how the NHS pension fits into her overall financial picture and what factors to consider when planning an international move. She also learned how to structure her investments flexibly, so they can later be adapted to Swiss tax rules, currency, and long-term planning, without being locked into decisions that may not suit her future.
Now, Pia can balance her short-term needs as an NHS doctor with her long-term goal of building a life in Switzerland.
