Informed Chartered Accountants for NHS Pension Planning in the UK
ABM Chartered Accountants provides expert accounting for NHS pension members across the UK, from salaried clinicians to GP partners. Our ICAEW and ACCA qualified team handles annual allowance, Scheme Pays elections, McCloud remedy reviews and pension tax planning for NHS professionals and individual members.
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Hundreds of businesses across the UK trust ABM Chartered Accountants for reliable, expert, and genuinely personal accounting services. See why clients rate us as their most trusted financial partner.
Accounting Built for NHS Pension Members
NHS pension members face challenges that general accountants rarely handle. Annual allowance using pension input amounts, tapered allowance, Scheme Pays deadlines, McCloud remedy reviews and carry forward all demand advisors who understand how NHS pensions work.
ABM Chartered Accountants works with GP partners, hospital consultants, salaried doctors, dentists, nurses and NHS managers across England, delivering structured financial support for NHS professionals and individual pension members. Every Self Assessment, pension tax charge and filing is handled accurately.
Helping NHS Members Manage Pension Growth and Tax Charges
NHS pension members need more than basic compliance. ABM Chartered Accountants prepares annual allowance forecasts, pension input reviews, Scheme Pays modelling, McCloud assessments and retirement planning, giving members clear visibility over pension growth, tax exposure and retirement income.
Whether you are a GP partner, a consultant with private work, a salaried clinician reviewing pension growth or an NHS manager nearing retirement, our ICAEW and ACCA qualified team adapts to your situation, keeping your pension position covered.
Our Accounting Services for NHS Pension Members
We offer a full range of accounting, tax and advisory services for NHS pension members, designed around the demands of pension tax, annual allowance and retirement planning across the UK.
Accounting Solutions
Expert accounts preparation, corporation tax filing, and strategic tax planning for UK businesses.
Business Advisory
Strategic cash flow forecasting and business advisory support to help you grow with confidence.
Taxation
Full VAT registration, returns, and Making Tax Digital compliance for all business sizes.
Audit & Assurance
Expert audit & assurance services for UK businesses.
Payroll Services
End-to-end payroll processing, RTI submissions, and auto-enrolment pension management.
Bookkeeping
Cloud-based bookkeeping to keep your accounts accurate, organised, and fully HMRC-compliant.
VAT
VAT services ensuring accurate returns, compliance, and smooth handling of your obligations.
R&D Tax Credits
R&D tax credit support helping you claim relief, reduce tax, and invest more in innovation.
IR35 Contract Review
IR35 contract reviews to check compliance, reduce risk, and confirm correct tax status.
Why NHS Members Choose ABM Chartered Accountants
Sector Expertise
Strong grasp of annual allowance, Scheme Pays and pensions.
Qualified Specialists
ICAEW and ACCA members experienced with NHS pension planning.
Cloud-Based Delivery
Secure remote access to accounts and filings nationwide.
Supporting NHS Pension Members Across the UK
ABM Chartered Accountants supports NHS pension members throughout England, from London and the South East to the Midlands, North West and beyond. Our cloud-based systems deliver specialist accounting to NHS professionals nationwide.
How We Work
Initial Consultation
Set Up and Onboard
Ongoing Support
We provide regular reviews and proactive advice to keep your finances optimised and HMRC-compliant.
Get in Touch Today
Whether you need help with your tax return, payroll, VAT, or business advisory, our qualified UK accountants are ready to provide clear, practical guidance for your specific needs.
Book a Consultation
Fill in the form below and one of our expert accountants will contact you promptly to discuss your accounting and tax requirements.
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Frequently Asked Questions
Here are answers to common questions GP partners, hospital consultants, dentists and NHS clinicians ask about pension tax and planning.
How is NHS pension growth calculated?
Growth is measured by the pension input amount. Closing value minus inflation-adjusted opening value is multiplied by 16. Exceeding the allowance triggers a tax charge at your marginal rate.
What is the tapered annual allowance?
Higher earners with adjusted income over £260,000 face a reduced allowance down to £10,000. Threshold income above £200,000 triggers the taper. NHS pay, private income and contributions all count.
How does Scheme Pays work?
The NHS Pension Scheme pays your annual allowance charge to HMRC. Future pension benefits are reduced accordingly. Elections must be submitted by 31 July following the January Self Assessment deadline.
What is the McCloud remedy impact?
Service between 2015 and 2022 moved to legacy schemes. This may change annual allowance positions for those years. Members may receive refunds or face charges depending on revised growth.
Can unused allowance be carried forward?
Yes. Unused allowance from the previous three tax years can offset excess growth. This helps members avoid or reduce charges in high-growth years caused by pay increases or extra sessions.
Can ABM support NHS pension members nationwide?
Yes. ABM Chartered Accountants serves NHS professionals across England using secure cloud-based platforms, delivering specialist accounting to GPs, consultants, dentists, nurses and NHS managers.