Medical & General IFA Ltd

Google Rating

4.8

Based on 79 reviews

Medics Money

4.8

laila jabr

16:14 13 Nov 24

Medics Money paired me with Richard Heap for financial advice after the birth of my first child. His approach has been supportive & straight forward & I would thoroughly recommend both Richard & Medics Money.

Laura Naidoo

05:21 06 Aug 24

Excellent helpful advice! I have been recommending that all my friends subscribe

Gregory McConaghie

16:10 28 Jul 24

I requested help from RBP through Medics' Money - I got a response they couldn't help me. No explanation to me or Medics' Money. Disappointing and unprofessional.

Amy Rogers

09:46 19 Jul 24

Medics money are invaluable and their course is excellent value for money with extremely knowledgeable and experienced staff that openly and honestly share of personal experiences. I highly recommend!

ian logan

06:02 11 Jul 24

Clear and concise delivery of information with opportunity to ask questions without feeling stupid.

shahzeb shaikh

17:20 23 Jun 24

Good service that educate medics about financials!

Wale Bodunwa

07:17 03 Jun 24

Can't describe enough how awesome medics money have been to me. Sorted a lot of my financial questions by just a quick glance.Thanks a lot medics money

Charis Lashley

11:21 25 May 24

The best site for financial advice for anyone in the medical field. Learnt so much. Also simple to follow.

Pauline

10:26 05 Apr 24

I have health issues and am planning to retire early due to this Richard Heap was excellent in providing me with information on the tiers of pension and plan for retirement

Bertie Fernando

07:42 24 Jan 24

Brilliant podcast, informative and interesting. A must for every doctor in the UK

XXMM MMAYO

11:28 03 Dec 23

Seun Gbemi

12:17 20 Nov 23

Kalp Patel

09:17 31 Oct 23

Have told all my colleagues about it!

Tim Wood

09:15 26 Aug 23

Good solid financial information that should be taught to all doctors before they start.

Nigel Koleth

09:17 13 Aug 23

Kiran Baillal

20:11 25 May 23

Really great resource available in various formats with information broken down in simple terms to make it easier for us to understand and use for practical life and work steps.

Chinwe Ursula Ikwueze

18:13 29 Apr 23

Waqar Younas

18:48 05 Feb 23

Mohammed Ali

20:51 01 Feb 23

Ime

14:03 30 Jan 23

Brilliant podcast, informative and interesting. Would highly recommend to any doctor in the UK

Tracey Covell

11:56 29 Jan 23

James

06:58 28 Dec 22

A fantastic free service that educates doctors in financial ways. Ensure you are paid correctly and claim back the money you are owed, which was thousands of pounds for myself. Obtain truly independent and knowledgeable accountants and financial advisors to help towards financial independence.Thank you medics money!

Peter Mezes

18:10 15 Dec 22

they connected with an advisor who refused to help. Then they promised to look into this, and haven't heard back from them ever again

Maryam Ahmad Idris

19:47 12 Dec 22

Great resource -find the podcasts very informative

Amanda Shabana

10:15 11 Dec 22

Excellent advice about the financial aspects involved in having a career as a medic with up to date podcasts on various issues E.g pensions. Excellent resource!

Debdeep Dey

06:30 29 Nov 22

brilliant website with useful information , Thanks

A Gautam

08:18 18 Nov 22

Really useful information and helped clarify what I needed to do to make better financial decisions. Thank you!

Firas Arnaout

07:18 05 Oct 22

On behalf of Orthopaedic Academy, I would like to thank Tommy & Ed. You are heroes. Literally!

Vicky Giniyatov

18:28 30 Sep 22

Excellent podcast, ebook & medic money legends. Thank you so much for explaining things I should have learnt at medical school....

bnf bnf2088

00:16 18 Aug 22

I have found your podcasts interesting and informative on financial aspects of our working lives that we were not taught about. I agree with you, Financial Health should be on the medical school curriculum. The reason I have given it four starts is indirectly linked with the podcast. The advisor recommended via your site has called me once and since receiving the information from NHS pensions agency (which took a few weeks because this is how long it takes to get the paperwork these days) has not replied any of my emails or returned calls. I am obviously disappointed. Could you please ask the financial advisers who agree to be contacted to be committed to the process. Thank you for your time and energy.

alexander brooman-gannon

05:34 20 Jun 22

Really helpful and explanatory.

Luke Newey

11:47 28 May 22

Moh Mhf

14:13 22 May 22

Very helpful step by step guide for doctors tax claim.

Matthew Nour

13:47 20 May 22

Excellent resource. Thank you for all that you do and are doing.

Charlotte G

10:28 05 Mar 22

Really helpful resources for educating doctors about how to navigate medicine-specific finances, thank you! Really enjoying the podcast too.

Eleanor Mulvenna

07:03 24 Feb 22

Really useful guides that explain every step in claiming your exam fees and subscriptions. Thanks

Rajan Patel

04:10 21 Jan 22

Simply fantastic. I am a newly turned consultant gastroenterologist who moved over to NZ a year ago but have continued to listen to these podcasts. Still really useful in sorting out finances back home. Particularly enjoyed the podcast on investment books to read. Keep it coming please!

Kate

22:11 25 Nov 21

Massive thank you to Tommy and Ed for all that they do to help empower their fellow medics, especially those like myself who just wouldn't have had a clue where to start to sort out their finances. I found the podcasts a great first step to give me ideas for things that I could then later look at more closely - and how amazing that the team have put together so many resources that then make these subsequent steps way easier! I can't recommend Medics Money highly enough :-)

P C

19:20 11 Nov 21

Without a doubt the best advice I have been given. I was really pleased with the service and recommend to all. Tommy was really approachable and took the time to guide me. This was something I should have done years ago. Thanks again. Paul Coulter

Michele Richards

09:27 11 Oct 21

Really informative

pip

07:32 17 Sep 21

Excellent podcasts. Practical advice with each podcast having at least one thing you can change straight away

Krishan Patel

12:08 24 May 21

Karanvir Singh

12:35 04 Apr 21

Fantastic podcast full of useful information, would recommend to any medics

Mubashir Siddiqui

20:50 20 Mar 21

Great website for medical professional looking to gain financial literacy!

nathan banda

06:49 23 Jan 21

kauserjan shaik

07:19 19 Jan 21

Aimed at medics, they offer sensible advice relating to issues medics face. Even a complete novice like me understood the financial principles, thanks to their presentations which are easy to understand. Best of all, they have podcasts which I can listen to on my walks.I think every medic should listen to them at-least once.

Aslam Khan

18:50 30 Nov 20

Very good

Niranjan Patel

16:07 17 Nov 20

Nene Nyemi-Tei

14:25 10 Nov 20

Used their advice to claims tax rebated for the past 3 years since I qualified as a doctors. Literally hundreds of pound from HRMC. Would recommend to an UK doctor. Great guides and great easy to follow advice

Ahmed Sulieman

11:10 05 Sep 20

Ben Woodward

15:53 25 Jun 20

Still in the early stages of dealing with the financial advisor appointed to me by Medics Money, but so far so good. The Medics Money team themselves have been excellent - very swift with replies and always extremely helpful and pleasant. Keep up the good work.

Bea

08:59 13 Jun 20

Really helpful service, great resources for understanding finances at no cost. Responded to a question I sent very quickly and with a thoroughly explained answer.

Deepak Sharma

16:19 26 May 20

DR PRADEEP KUMAR

16:13 07 May 20

You guys have stepped up beyond the calling of medicine and healthcare to provide a niche service which can meet the unspoken needs of Doctors and GPs, also GP trainees like me! Wish you the best!!

Ayodeji Omosebi

12:08 07 May 20

Imraan U

21:51 03 May 20

Saved me a tone.... every dr in training should read this.

Sarah Manohar

08:11 03 May 20

Found the information the had really helpful. Loads of information and amazing communication. :)

Seren Peters

19:32 30 Apr 20

Really helpful guidance, all provided free. Thank you!

Chris Howe

00:45 03 Mar 20

A kind and supportive organisation that helps medics navigate their way through the labyrinth of financial decisions that they have to make throughout their careers.

Adrian Stallwood

14:50 22 Jan 20

Fantastic, prompt and efficient service, run by doctors who understand the issues and know what's required. I was put in touch with an expert IFA within 24 hours which cam me the confidence I needed to make an informed decision regarding my annual allowance charge. Highly recommended, have already informed colleagues

Roger Sepping

16:40 21 Jan 20

Mohamad Zeina

15:39 08 Dec 19

Imran Khan

09:18 30 Nov 19

Fantastic service

E B

08:44 30 Nov 19

Used their great guide to file tax rebate for professional expenses. Really love what theyre doing. Thanks.

Ross S

09:16 12 Nov 19

I used their clear and concise guides to registering an account with HMRC and submitting a form for rebate. Very easy to navigate with the guides and took a lot of the stress out of the process. I would highly recommend for anyone with the need to submit requests for rebate - saved me a significant amount of time

Tiago Ivo

16:07 06 Oct 19

Great website, a real important resource for all medics

The MDM

11:58 11 Sep 19

Amy Kelly

10:33 27 Aug 19

Sudesna Chatterjee

20:39 30 Jul 19

I have found Medics Money to be very helpful in identifying suitable medical accountancy firms who can provide expert information on my complex financial needs. The website is easy to navigate and has lots of useful information which instils confidence. I was contacted very promptly by one of the recommended firms who gave me some important advice on NHS Pensions. I am still waiting to hear from the accountants but I understand that this is a very busy period for them with lots of interest from doctors based on the new pension rules. Tom contacted me early on to ensure I was happy with the service provided which was reassuring and indicates how serious he is in helping medics to better their financial situation. Thanks for setting up your website. I really appreciate it.

Nasra Alam

15:13 25 Jul 19

Tommy and Ed were fantastic. Very prompt with their responses and gave very detailed advice.

Eleanor Stone

09:33 20 Jul 19

Really helpful advice, speedy responses and gave me details of a suitable accountancy service which I have now registered with. Perfect how-to guides which enabled a novice to claim back some tax!

Theo Malthouse

18:21 09 Sep 18

Freddie Green

09:16 06 Aug 18

Alex Moncayo

10:16 11 May 18

Excellent customer service, fast communication and clear replies, I would recommend them to all doctors and nurses and allied health professionals who want to get a good rebate without complications

Richard Sutcliffe

07:54 02 Feb 18

Really helpful thanks for your assistance

Eleanor Lee

19:44 12 Dec 17

Professional, helpful and reliable. They went above and beyond to help my case and responded quickly to queries. Highly recommend them to my colleagues.

Steve Phillips

14:39 15 Nov 17

Fantastic service. Hassle free. Rebate came through very quickly. Excellent communication throughout.

Jan Klepacki

20:16 06 Oct 17

Excellent and professional team. They saved me many potential headaches!

Paul Sampson

07:37 20 Jul 17

Great company. Saved me lots of money. Much quicker than I was expecting too.

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Medical & General IFA Ltd

Location: Gloucestershire, London, Devon, Leeds, Somerset, Devon

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Review

At Medical & General we help people grow and protect their wealth. As our name suggests, we specialise in providing advice to members of the medical profession but we also help non-medics. Our aim is to help you feel clear, confident and in control of your finances, whether you're planning your retirement, already retired, or trying to make the most of your current financial situation. From the impact of the Annual Allowance, to ever changing rules around the NHS pension, you need someone with specialist knowledge. All M&G advisers have given advice in that area collectively for over 20 years, helping GPs, dentists, pharmacists and opticians. We’ll create a personal financial plan for you that simplifies your investments, maximises your opportunities, and puts you on a path to achieving your long-term financial goals. We can help with all aspects of financial planning including investments, mortgage and protection planning.

Professional bodies: Chartered Insurance Institute

Services offered:

Estate planning
Investment advice
Life Insurance and Income protection
Private Pension advice

Reviews

George was super helpful explaining NHS pensions in a clear and non patronising way. He was very patient and I felt I had plenty of time to discuss things. Would use your service again.

Charlotte

Consultant
Surgery

Mike did a really good summary of NHS Pensions and gave ample time to ask questions. He is very knowledgeable and happy to answer any questions about the pension scheme in general, as well as specific issues to individuals. He explains it all in plain English!

David

GP - General Practitioner partner
GP

I don' often write reviews, but I just had to share our experience. George is just excellent! He sorted out our mortgage deal when no one else could. He was knowledgable, super dedicated from the start and often went way beyond what was required. Thank you!

Jas

GP - General Practitioner locum
GP

Came recommended by word of mouth and they deserve every success. Huge up to date knowledge and experience and excellent advice about the NHS pension scheme. Woks very well with, but completely independently from, my accountant and from financial / insurance institutions. I am highly likely to continue with their advice for my future financial decisions.

Chris

GP - General Practitioner partner
GP

Me and my husband contacted Medical & General after listening to one of the webinars. Our advisor has been George who has been fantastic and professional throughout and went through in detail regarding different types of insurance cover available in the market place. This helped us to make an informed decision and George helped every step of the way. We also used their new tool financial health check which gave a very in depth analysis of our future investment plan and has really helped us to think about our future plans and retirement. I would highly recommend using Medical & General for personal financial and insurance matters.

Sumeet

GP - General Practitioner salaried
GP

Help with understanding how best to deal with the large AA tax bills I now face going forward

Kenneth

GP - General Practitioner partner
GP

I contacted Medical & General after having some issues with a high street financial advisor/mortgage broker who did not understand how junior doctors' contracts and payslips work. The call to Medical & General was professional and efficient, and I was assigned to Thomas Martens, one of the Financial Planners. Thomas was extremely helpful, and arranged a Microsoft Meetings call later that day, at a time that suited me. He listened to my situation carefully and helped to advise me with my options going forward. He worked tirelessly to investigate options and was quick to reply to any questions that I had. I would definitely recommend Medical and General for doctors looking for any financial advice or mortgage matters.

Max

Foundation Year 1 FY1
Medical

George, the mortgage advisor at Medical and General, was incredibly helpful with regards multiple mortgage scenarios that played out during our search for a house. Before eventually finding a new place there were various thoughts about how we might manage our existing mortgage in the transfer to a new property, and how we might lend more to do renovation work. George always got back to us very quickly with different mortgages for different levels of lending and the associated LTV, %APR and monthly repayments. Thanks for your help.

Richard

ST3-ST6
Psychiatry

George helped me get my mortgage whilst working as a locum. Had been to another mortgage advisor previously who said I’d find it very difficult but George made it very easy! So helpful!

Jennifer

Locum
Speciality not listed

Over many years we’ve had general advice ,education and guidance on all things financial including Family finances , pension, income protection & inheritance tax planning. Mike has a client based holistic approach , taking a genuine interest in your plans and aspirations with a view to providing appropriate financial advice to enable you to achieve your goals . I’ve never been made to feel stupid, nor have I ever felt under pressure to commit...I have just been grateful for his help, and have no hesitation in recommending his services.

Emma

GP - General Practitioner partner
GP

Mortgage advisor So, so good. They were so efficient. They talked us through every step of the way, and highlighted issues where appropriate. They were quick with replies. They were very personable and kind. If we asked questions and they didn’t know the answer, they would find out and get back to us very quickly.

GP - ST2 - 3
GP

I had a meeting with Mike Harms. He was very approachable, and the meeting was extremely useful, with lots of practical advice on how to tackle my current financial issues. I would highly recommend his services to my colleagues.

Gavin

GP - General Practitioner partner
GP

Fantastic first consultation with Mike Harms at Medical & General - extremely professional, thorough, and gave immediate expert advice. This was followed this up by Mike going over & above to sort the issue the same day. Very impressed & will certainly continue to seek advice from this company. Many thanks.

Penny

GP - General Practitioner partner
GP

Excellent service - George was incredibly helpful finding us the best mortgage deal. Thanks again!

Richard

Consultant
Medical

Great service. Good communication. No pressure. Excellent appropriate products recommended. Felt very comfortable dealing with them.

GP - General Practitioner locum
GP

George from Medical and General was absolutely amazing. I have never had to deal with money, I've never bought a house, everything was new to me and to complicate thins, I'm a locum. He fielded all questions with infinite patience, was always on the end of the phone if I wanted him and was rapid at getting back to me - one instance that particularly impressed me was when he phoned at 09:01 on a Monday after a panicked weekend of me firing emails his way. Worth every penny and I would use again in a heart beat.

Ashley

Locum
Medical

I needed advice on getting a mortgage whilst working as an F3 locum doctor with variable pay and shifts. George York from Medical & General IFA was incredibly helpful, answered all my questions and explained everything very clearly. He worked very hard to help me decide on a mortgage, find the most suitable option for my situation and advised me on additional important areas such as income protection. I am very grateful for all his hard work, and would highly recommend him and Medical & General IFA.

Hannah

Locum
Medical

Very friendly and helpful advice regarding NHS pension. Answered my questions and reassured me

Dylan

GP - General Practitioner locum
GP

Thomas was brilliant. He was incredibly helpful, always had time for our (many) questions and got us a great mortgage deal. Couldn’t recommend highly enough.

James

GP - General Practitioner locum
Surgery

I work in the NHS and looked to take early retirement and needed expert advice about my pension. Mike Harms from Medical and General had a thorough knowledge of the complexities of the Pension scheme and has been able to allow me to maximise my opportunities financially and professionally.

Jolyon

GP - General Practitioner partner
GP

I have been working with Mike Harms and Medical & General for the last 5 years. Initially this was help with finding a suitable income protection product after finding I no longer had the level of cover I thought I had with a previous company. We moved away from the area but have continued to use the company as we felt we could trust the advice given and everything is always explained really well. We have gone on to use their services for other products including life insurance and mortgages. Nothing is too much trouble and communication via the online portal is really helpful.

Laila

GP - General Practitioner salaried
GP

Sourced both essential life and income protection insurance that suited me and my situation and discussed additional products for me to consider

Steven

GP - General Practitioner locum
GP

Only had my free discovery meeting but was incredibly useful - George gave very tailored advice for my unique situation and really helped me put things into perspective. Most importantly I didn't feel like he was trying to sell me something or give me generic advice to get me to commit to something. Will absolutely come back once I need to look for a mortgage or my financial situation becomes more complex!

Nader

Foundation Year 2 FY2
Speciality not listed

I received a very helpful personalised advice on my NHS pension.

Peter

Consultant
Radiology

Outstandingly helpful. Mr Harms spent a lot of time explaining pension issues and options for management. Very knowledgeable. I can thoroughly recommend!

James

Consultant
Anaesthetics

George York has been brilliant throughout the mortgage process; His responses are amazingly quick and helpful.

Megan

Locum
Speciality not listed

Michael is really open, honest and very passionate about helping doctors better understand the complexities of the NHS pension scheme. In our initial session he quickly worked out a really good forecast and his advice has probably saved me from making mistakes. And I am someone who is not a novice to all this! Very little of our initial meeting was wasted - Michael gets straight down to business and he is really knowledgeable about the NHS pension scheme. There was so much information and analysis that by the end I had a lot of thinking to do. I will look forward to our next meeting to discuss things further. I would say that to get the most out of any session you should have some of your pension statements to hand. And Michael never tries to sell you anything, in fact he pointed out that in my case this was not the time to do a detailed paid analysis. Honest and refreshing. Highly recommended and the best advice I have ever received about my NHS pension (and I have had advice from other FAs).

Bukhtawar

GP - General Practitioner locum
GP

My fiancee and I are in F2 and Medics Money suggested these folks as mortgage brokers. Really helpful, fast to reply, good honest advice, upfront with costs, we're happy with the mortgage can't fault the team!

Elliott

GP - ST1
GP

Medical & General provided sound financial advice perfect for my stage of training. George in particular was very good at explaining concepts and I will be using their services again in the future.

Kristen

Locum
Medical

Pensions advice Such a fantastic service-thorough, caring and detailed knowledge. You addressed all my concerns promptly. The best financial advice service is with this team - no question. I did my research as to who to approach and it’s paid off. And the team liaised with NHS Pensions so well. Thank you so much Medical and General.

Sandhya

GP - General Practitioner salaried
GP

Mike helped make a complex area to me a little clearer

ANDY

GP - General Practitioner partner
GP

Really helpful advice given by George. Completely free independent advice with option of paying for more specific plans/advice. Meeting didn’t feel rushed or pressured. Would definitely recommend

Michael

ST3-ST6
Anaesthetics

This initial meeting was so helpful! It furthered my understanding of my current situation and helped to guide my future financial objectives. George was knowledgeable, insightful and used a non-judgemental approach towards my poor financial knowledge! I felt immediately empowered after the meeting. It provided me with the tools to learn more and focus on a more financially secure future. Thank you very much!

Scarlett

Foundation Year 2 FY2
Speciality not listed

My wife and I have been consistently impressed by Mike and all he has done for us over the last few years. We found him when we were trying to obtain a mortgage. Due to very complex working arrangements where I was becoming self-employed and my wife was embroiled in the Junior Doctor Contract dispute, we had been declined several times by various banks, and another large medical financial advisor company based in Exeter had only managed to give us a very poor deal on a mortgage that we could not afford. Thankfully, through a lot of hard work and insider knowledge Mike managed to get us a mortgage with better rates than any of the others we had looked at. He then managed to explain about all the other insurance products we might need in terms we could understand, and we were free to pick the products we felt we needed. I highly recommend Mike and his team to all my colleagues as I genuinely haven't found anyone out there that gives better financial advice.

Nick

GP - General Practitioner partner
GP

Pension advice. Financial planning and tax optimisation. Saved me £50k in tax when spotted a mistake in my accountants calculations regarding applying for individual protection. Really friendly, helpful and reliable. Every time I have used them I have been better off as a result. No hard sell of life insurance, portfolio planning etc but again extremely valuable advice when it’s required. Fantastic service.

Kevin

GP - General Practitioner partner
GP

Fantastic clear pension advise would definitely recommend.

David

Locum
Emergency medicine

Some years ago I was considering retirement from the NHS and met Mike, from Medical and General, at an evening meeting regarding pensions options, whilst planning to continue to work in the NHS for a few more years. Further to that meeting, I did take my pension and was guided through the process by Mike. Having taken my pension, whilst continuing to work in the NHS, Mike has advised and supported me through the process of investing my capital sum in a variety of financial vehicles. We meet regularly and communicate frequently regarding my financial portfolio, which is being managed appropriately with rebalancing when deemed necessary. Mike has also been helpful in giving advice with regard Capital Gains and personal short-term financial management. My portfolio plan was based on the longer term, and certainly currently that plan is earring fruit, following a period of strong financial growth in the markets.

Paul

GP - General Practitioner partner
GP

George was super helpful, professional and hugely informative when discussing mortgage options. He gave an accurate timeframe and stuck to it. Not a single complaint. We subsequently also spoke to Mike and had an extended discussion with regards my pension and financial situation. He explained everything clearly and answered all my questions with no pressure to 'on-board'. We haven't yet taken things further, but this is due to my disorganisation and lack of time and energy, rather than a lack of willingness.

Robert

ST3-ST6
Medical

My partner and I were looking for financial advice for complete beginners, and got in touch with George York from M&G. George was friendly, knowledgable, and approachable from the outset. He gave concise advice tailored for our situation, and also ensured that we knew all the options on the table for us, with no pressure to commit to anything. He was punctual, reliable, and always followed up with actions and communication as he promised. George has been fantastic and we will definitely be choosing Medical & General for our financial needs in the future.

Brandon

Foundation Year 2 FY2
Medical

Excellent explanation and discussion on pensions. All seems so much clearer now!

Sandra

GP - General Practitioner locum
GP

I approached them with specific needs-income protection. Quick professional service, answered all my questions. I got what I came for with no hassle.

Mate

ST3-ST6
Surgery