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Medical & General Independent Financial Advisers

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Medical & General Independent Financial Advisers

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At Medical & General we help people grow and protect their wealth.

27/10/2026

A lot can change in a year.

A new job, moving house, getting married, having children or starting to think more seriously about retirement.

Whilst your financial plans might have made perfect sense when you first put them in place, they may need another look as life changes and your circumstances change.

We've picked out five life changes that could be a good reason to check in on your finances.

Swipe through →

If something's changed recently and you're not sure whether it affects your financial plans, speak to your adviser.

This content is intended for general information only and should not be relied upon as financial or investment advice. Individual circumstances vary.

23/10/2026

Your NHS Pension is an important part of planning for retirement, but is it the only thing you're relying on?

You might have pensions from previous jobs, savings or investments you've built up over the years, or other plans for how you'll fund your retirement.

And there's also the question of when you'd actually like to stop working. Or maybe you'd prefer to reduce your hours rather than retire completely.

It's worth looking at what income you might need in retirement, what your existing arrangements could provide and whether there's anything else you need to consider.

If you'd like to talk through your retirement plans and how your NHS Pension fits into them, speak to your adviser.

This content is intended for general information only and should not be relied upon as financial or investment advice. Individual circumstances vary.

13/10/2026

It's not always something we think about while we're fit and well, but your income is what pays for the mortgage, bills and everything else that carries on regardless.

Sick pay and NHS benefits can provide valuable support, but what you're entitled to will depend on your circumstances.

This is where income protection can come in. It's designed to provide an income if you're unable to work because of illness or injury, subject to the terms and conditions of the policy.

But before looking at additional cover, it's worth understanding what you'd already be entitled to through work and what, if any, gap that would leave.

The right level and type of cover will be different for everyone, so it's important to understand what you already have in place before deciding whether you need anything else.

If you're unsure what you'd be entitled to if you couldn't work, speak to your adviser.

This content is intended for general information only and should not be relied upon as financial advice. Individual circumstances vary.

06/10/2026

Oil is back above $106, gilt yields are at levels not seen in decades, and three of the world's major central banks raised rates within days of each other in September.

Our September Market Perspectives newsletter is now available, with Jonathan Burden looking at what's driving markets this month:

→ Brent crude back above $106 following direct attacks on Saudi Arabia's oil infrastructure, and what the first signs of a negotiating track at the UN General Assembly could - and couldn't - be taken to mean
→ The Bank of England's double decision - holding rates at 3.75% while slowing its gilt-selling programme - and the factors influencing the Bank’s decision
→ The ECB, US Fed and Bank of Japan all raising rates within days of each other, and what the reversal of Japanese capital flows could mean for gilts
→ The growing AI safety debate - and Washington's swift rejection of calls to slow down

Plus: the UK's energy dependence ahead of winter, gas storage concerns, and what to watch heading into the Chancellor's Autumn Budget on 28 October.

Read the full article here - https://www.medicalandgeneral.co.uk/post/market-perspectives-september-2026-the-cost-of-everything-continued

This is a fast-moving, live situation and may have changed since publication. This post is for information purposes only and does not constitute personal financial advice.

29/09/2026

Some of the conversations we're having with clients at the moment include:

→ Am I putting enough aside for retirement?
→ How do I know what sort of income I'll actually need when I stop working?
→ Is my NHS Pension going to be enough on its own?

There isn't one answer that works for everyone.

Retirement might still be a long way off, or it might be starting to feel much closer.

Sometimes just getting everything together and seeing what you already have can give you a clearer picture of your current position.

If retirement is something you've started thinking about, speak to your adviser.

This content is intended for general information only and should not be relied upon as financial or investment advice. Individual circumstances vary.

25/09/2026

Earning over £100,000 can have an impact on more than just the amount of Income Tax you pay.

Once your adjusted net income goes above £100,000, your Personal Allowance starts to reduce. For every £2 of income above the threshold, £1 of your allowance is lost.

That can result in a particularly high effective rate of tax on part of your income.

For higher-earning medical professionals, understanding your adjusted net income and planning ahead can therefore be important.

There may be options worth considering depending on your individual circumstances, so if this affects you, speak to your adviser.

Tax treatment depends on individual circumstances and may be subject to change.

17/09/2026

Financial plans aren't something you make once and never look at again.

A new job, a change in income, moving house, starting a family, retirement getting a bit closer.

As life changes, the plans you made a few years ago may need to change with it.

That's why regular reviews matter. Not necessarily because something needs changing, but to make sure the plans you have in place still reflect where you are now and where you want to be.

If it's been a while since your last review, speak to your adviser.

This is general information only. Seek independent financial advice.

08/09/2026

For some of us September can bring a bit of a return to routine.

And with just four months of the year left (!!!), it can also be a useful point to check in on some of the financial tasks.
→ When did you last review your pension?
→ Are your investments still aligned with what you're trying to achieve?
→ Is there any tax planning you've been meaning to look at?

You may find everything is exactly where it needs to be. But if it's been a while since you last reviewed things, now could be a good time to do it.

This content is intended for general information only and should not be relied upon as financial or investment advice. Individual circumstances vary.

31/08/2026

Governments are having to pay more to borrow than they have in years, and it's reshaping the investment landscape.

Our August Market Perspectives newsletter is now live, with Jonathan Burden looking at what's really driving markets this month:
→ Why bond investors are demanding the highest yields in years to lend to governments, and what it could mean for mortgages and savers
→ A bumper quarter of profits for the world's largest oil companies, and the impact of the FTSE 100's energy weighting during higher oil prices
→ The new Chancellor's first Budget on 28 October, and the risks of acting on speculation ahead of it

Plus: renewed questions over technology and AI valuations, gold's climb to near record highs, and where markets stand heading into September.

Read the full article here - www.medicalandgeneral.co.uk/post/market-perspectives-august-2026-the-rising-price-of-borrowing-and-bond-investors-losing-patience

This is a fast-moving, live situation and may have changed since publication. This post is for information purposes only and does not constitute personal financial advice.

24/08/2026

Pension beneficiary nominations can be easily forgotten.

If you've got married, had children, divorced or your circumstances have changed in another way, it's worth checking that your nominations still reflect your wishes.

It's a small admin job that's very easy to put off, but an important one to keep up to date.

If you're not sure what you currently have in place, or you'd like to review your wider pension planning, speak to your adviser.

This content is intended for general information only and should not be relied upon as financial or investment advice. Individual circumstances vary.

Address

Cadhay Barn, Cadhay, Ottery Street Mary
Ottery Saint Mary
EX111QT

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	8:30am - 4:30am

Telephone

+441404515544

Website

https://www.medicalandgeneral.co.uk/

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