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Medical & General Independent Financial Advisers

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Medical & General Independent Financial Advisers

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

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.

20/08/2026

We're built on people with extensive experience in financial planning.

Whether it's pensions, tax, mortgages, or protection, our team understands medical professionals' financial lives and care about getting it right.

That's the foundation of everything we do.

13/08/2026

We received this fantastic Google Review from a recent client recently and it's made our day.

Thank you for the kind words - Liz's approach to navigating complex applications is exactly what we aim to deliver.

If you're looking at mortgages, protection, or a combination of both, we're here to help.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

03/08/2026

Our July Market Perspectives newsletter is now live.

This month, Jonathan Burden looks at three stories shaping markets right now:
→ Andy Burnham's first weeks as Prime Minister, and the fiscal balancing act now facing his new Chancellor
→ The breakdown of the Iran peace deal, and what the renewed volatility in oil prices could mean for portfolios
→ Why today's interest rates may be closer to "normal" than the near-zero decade before them - and how this may affect savers and borrowers

Plus: a look at what's really driving this year's market gains, and where the FTSE 100, S&P 500 and Asia's semiconductor giants stand heading into August.

Read the full article here - https://www.medicalandgeneral.co.uk/post/market-perspectives-july-2026-new-leadership-a-fragile-peace-and-what-normal-really-looks-like

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.

29/07/2026

With economic uncertainty on the horizon and the Autumn Budget approaching, now is a good time to understand:

→ How your income is being taxed
→ Whether there may be tax-efficient planning opportunities available to you
→ Where there may be areas to review

You may find there are options you haven't considered, or you might discover you're already structured well. Either way, understanding your position can help you to make informed decisions.

If you'd like to review your tax position, we can help.

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

23/07/2026

Our July newsletter lands next week.

Our latest market commentary covers:
→ New Prime Minister, new challenges - and what a defence budget dilemma means for the economy
→ NATO, European rearmament, and which firms are winning contracts (and what that signals)
→ The Iran peace deal that wasn't - how quickly fragile truces can break and what it's cost so far
→ How global events can influence financial markets, and why understanding the wider context can be useful

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This is general information only. The value of investments can go down as well as up, and you may get back less than you invest. Seek independent financial advice.

15/07/2026

Big changes are on the horizon for pension and Inheritance Tax planning.

For years, unused pension funds have often formed an effective part of Inheritance Tax planning. Under current draft legislation, that's set to change from 6 April 2027 - with most unused pension funds forming part of your taxable estate.

If your financial plan relies on your pension passing IHT-free, now is a good time to check it's still on track.

We've broken down what's proposed and what to think about ahead of the change -

https://www.medicalandgeneral.co.uk/post/pensions-and-inheritance-tax-what-changes-in-april-2027-and-what-you-should-do-now

Tax treatment depends on individual circumstances and may change in future. This is general information only. Seek independent financial advice.

09/07/2026

We find many medical professionals have been contributing for years but don't actually know:

→ What their projected pension will be worth
→ When they can access it
→ Whether they're maximising their contributions
→ How changes like going part-time affect their pension growth

Getting clarity doesn't take long, but it can make a difference to how you plan the next stage of your career.

If you've been meaning to review your NHS pension, we can help.

This is general information only. Seek independent financial advice. The value of investments can go down as well as up, and you may get back less than you invest.

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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