Scorecard - Dental & Medical

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NHS Pension Planning

Understanding your NHS pension and retirement income planning

Do you understand your NHS pension scheme (1995, 2008, or 2015)?

Yes, fully understand my scheme

Have general awareness

Uncertain or haven't reviewed recently

Have you reviewed your annual allowance position and any taper implications?

Yes, and have a clear strategy

Reviewed but unclear on implications

No, or not considered

Do you have a comprehensive retirement income plan from all sources?

Yes, well documented and planned

Partly planned

No clear plan

Have you considered pension drawdown or lump sum options for retirement?

Yes, with professional guidance

Aware of options but uncertain

Haven't explored options

Financial Protection Cover

Life insurance, income protection, and critical illness coverage for you and your family

Do you have comprehensive income protection insurance?

Yes, with own-occupation cover

Yes, but basic coverage only

No income protection in place

Do you have adequate life insurance and critical illness coverage?

Yes, comprehensive family protection

Partial coverage only

No or minimal coverage

Is your protection tailored to your role (with deferred period matching NHS sick pay)?

Yes, tailored to my circumstances

Generic policy in place

Not considered

Tax Efficient Savings & Tax Planning

Maximising tax-efficient savings and minimising tax liabilities across multiple income streams

Do you have a comprehensive tax-efficient savings strategy?

Yes, for all income sources

Basic strategy only

No formal strategy

Are you making full use of ISAs, SIPPs, and other tax wrappers?

Yes, fully optimised

Partially optimised

Under-utilising opportunities

Have you had a specialist tax review covering NHS and private practice income?

Yes, within the last 12 months

1-3 years ago

Not recently or never

Wills, Estate & Legacy Planning

Protecting your family's future and managing inheritance tax efficiently

Do you have a current, professional will in place?

Yes, regularly reviewed

Yes, but not recently

No will in place

Have you planned for inheritance tax efficiency across your estate?

Yes, with professional guidance

Aware of need but not planned

Not considered

Are your life insurance and guardianship arrangements properly documented?

Yes, all arranged and documented

Partially arranged

Not arranged

Financial Management Confidence

Overall control and confidence in managing your financial affairs

How confident are you in your overall financial position?

Very confident with clear plan

Reasonably confident

Uncertain or anxious

Do you have a documented financial plan covering all areas of your finances?

Yes, comprehensive and current

Partial plan in place

No formal plan

When did you last have a comprehensive financial review with a specialist?

Within the last 12 months

1-3 years ago

Never or more than 3 years ago