NHS pensions 2 September 2026 8 min read
The NHS pension annual allowance, explained for consultants
Why a pay rise can create a tax charge you never saw coming, how the taper works, and the order in which to use carry forward and scheme pays.
Insights
Writing for doctors, not for the industry
Articles on the questions that come up most often in consultations — NHS pensions, locum income and tax planning. General information, not personal advice.
Locum income 19 August 2026 7 min read
Structuring locum income so extra shifts actually build wealth
Additional shifts are taxed at your marginal rate. Where that money lands — pension, ISA, offset mortgage or reserve — decides whether the hours were worth it.
Tax planning 30 July 2026 9 min read
Tax planning when private practice starts alongside NHS work
Sole trader or limited company, what to do about the first self-assessment, and how private earnings interact with your NHS pension position.
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