Business Details
Specialist Financial Advisers for Doctors & Dentists
Legalandmedical is a specialist financial advisory firm dedicated to serving doctors and dentists across the UK. With a team of 20 Independent Financial Advisers (IFAs), we combine deep sector-specific expertise with a client-centric approach to deliver tailored financial solutions. Our advisers hold advanced qualifications including DipFA, CeMAP, and Cert PFS, ensuring rigorous professional standards. We specialise in NHS Pension Scheme planning, tax-efficient investments, and wealth management strategies designed for the unique financial challenges faced by medical professionals.Our service model prioritises long-term relationships, offering continuity even when clients relocate. We operate with full transparency, providing unbiased whole-of-market advice without ties to specific providers. Our flexible payment options include fee-based, commission, or hybrid structures, all agreed upfront with clients. Since our establishment, we have maintained authorisation by the Financial Conduct Authority (FCA) under reference 185193, reinforcing our commitment to regulatory excellence.
Services
Investments
Retirement Planning
NHS Pension Planning
Protection
Mortgages
Tax Planning
Wills
Highlights and features
- Fully qualified specialist financial advisers with DipFA/Cert PFS qualifications
- In-depth knowledge of NHS Pension Scheme benefits and complexities
- Unbiased whole-of-market advice with no provider ties
- Transparent fee structures with upfront cost agreements
- Nationwide service with regional advisers maintaining continuity
Associations and certifications
- Financial Conduct Authority
Services
NHS Pension Planning
Specialist guidance on NHS Pension Scheme benefits, including partial retirement options and tax-efficient planning. We help medical professionals navigate scheme changes, annual allowance calculations, and remedial pension savings statements. Our advice incorporates both NHS and private pension strategies to maximise retirement income while maintaining compliance with current regulations.
Tax Planning
Comprehensive tax management strategies for medical professionals, covering inheritance tax mitigation, capital gains tax planning, and pension tax relief optimisation. We specialise in complex scenarios involving locum work, private practice, and limited company structures while ensuring compliance with HMRC requirements and FCA regulations.
Investment Portfolios
Tailored investment solutions for doctors and dentists, focusing on tax-efficient vehicles like ISAs and SIPPs. Our approach considers professional circumstances, risk tolerance, and long-term financial goals. We provide ongoing portfolio management with regular performance reviews and market adaptation strategies to ensure sustained growth.
Mortgage Advice
Specialist mortgage solutions for medical professionals, including locums and practice owners. We access exclusive deals and lenders who understand NHS employment structures. Our advice covers first-time purchases, buy-to-let investments, and complex income scenarios while maintaining FCA compliance and affordability assessments.
Protection Planning
Custom insurance solutions for medical professionals, including income protection, critical illness cover, and practice insurance. We assess individual needs based on career stage, family circumstances, and business requirements. Our advice ensures adequate coverage against professional-specific risks while maintaining cost-effectiveness.
People
Jocelyn Major
Financial Planning Consultant
Qualified IFA since 1996 with DipFA, CeMAP and Cert PFS qualifications. Specialises in medical professional financial planning. Runs Legal & Medical Training Academy. Member of Institute of Financial Services.
Max Spurgeon
Complaints Handler
Responsible for managing client complaints and regulatory compliance procedures. Ensures adherence to FCA requirements and internal dispute resolution protocols.
Questions
What pension planning services do you offer for NHS doctors?
We provide comprehensive NHS Pension Scheme analysis, annual allowance management, remedial pension savings statements review, and partial retirement planning tailored to medical professionals.
Can you help with mortgage applications for locum doctors?
Yes, we specialise in mortgage solutions for locum doctors, accessing lenders who understand variable income patterns and NHS employment structures.
Do you offer tax planning for dental practice owners?
Yes, we provide specialist tax planning for dental practice owners, covering corporation tax, capital gains tax, and income tax optimisation strategies.
What investment options are available for medical professionals?
We offer tax-efficient investment portfolios tailored to medical professionals, including ISAs, SIPPs, and private investment vehicles aligned with individual risk profiles.
How do you handle protection insurance for GPs?
We provide income protection, critical illness cover, and practice insurance solutions specifically designed for GPs' professional and personal circumstances.
Can you assist with will writing for doctors?
While we don't write wills directly, we partner with specialist law firms to provide discounted will writing services for our medical clients.
