Medical Wealthcare Ltd can advise you and give you peace of mind by ensuring that you have the right protection plans in place should you encounter prolonged ill-health, disability or death threatens your family’s financial security.

We can help you find the right and correct cover to suit your individual needs and complement any existing protection you may already have, for example:

• Life Cover
• Critical Illness
• Income Protection
• Inheritance Tax Planning

We advise all our clients to regularly review their insurance arrangements when their circumstances change, as your insurance needs will change also. For example, moving home, buying a second property, pregnancy, a new job, redundancy or retirement are all main factors which could influence your insurance needs.

Medical Wealthcare Ltd in conjunction with our carefully selected mortgage broker partners, can advise you on how to raise finance for the purchase of a new main residence or second property.

We can analyse the details of your current mortgage to ensure that you are not paying unnecessary interest or charges.

• Exclusive professional fixed rate and discount mortgages for Doctors & Dentists.
• Buy to let mortgages – investment properties or holiday homes.
• Guarantor mortgages – help your children onto the property ladder or purchase student accommodation.
• Further advances for home improvements.
• Remortgage packages to secure a better deal.
• Business Finance for medical professions buying into partnerships or financing new premises.

The housing market may have shown some signs of improvement in recent months, but if you’re thinking of moving home or buying a property for the first time professional advice is recommended.

We offer mortgages from across the whole market and can also arrange the following services:

• Introduction to solicitor or estate agent if you do not have one.
• Arranging property survey or home buyer report.
• Mortgage protection insurance – life/critical illness/income protection.
• Buildings and contents insurance.

Medical Wealthcare Ltd can look into your current pension arrangements to ensure that you have adequate income to live on. Whilst most people will have some form of retirement arrangements, with the increase in life expectancy most people will rarely have a cohesive plan to measure whether they are saving enough to enjoy their retirement.

Retirement planning falls into two categories. For both parts, professional advice is required, as the decisions made will determine your standard of living in retirement. It almost goes without saying that the wrong choices could cost you dearly.

The first part is choosing the best way of saving for your retirement, taking into account such factors as the age at which you propose to retire, the income you will need, the benefits you should get from the state, and any employers (or former employers) pension scheme. Having then adjusted all this for inflation, it should be possible to establish how much you may need to save, and then decide the best way to do so.

The second part is selecting the best way to draw an income from your retirement savings, where the decisions made will determine your income for the rest of your life. Should you draw an income through a traditional annuity? How much should be taken as a tax free cash sum? How will the income be taxed? What would happen to your pension if you were to die? The need here for professional advice is absolutely essential.

Medical Wealthcare Ltd have the qualifications, expertise and experience that enables us to provide personalised independent financial advice to doctors and other medical professionals no matter how complex they may be, so helping you achieve your desired lifestyle in retirement.

We have vast knowledge of, and expertise in, the NHS Pension Scheme in it’s various forms over the years and specialise in advising members of the NHS Pension Scheme on maximising income in retirement and on possible ways of reducing the ever increasing taxation on their pensions.