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Want to unravel the mysteries of the NHS Pension? Do you find yourself puzzled over the complexities of different pension schemes - 1995, 2008, 2015 and the varying factors that define them such as accrual rate and normal pension age? Look no further, as we sat down with Luke Hurley, an independent financial advisor brimming with expertise in NHS Pensions, who shares his insights into navigating this intricate landscape.

In our enlightening discussion, we not only delve into the various sections of the NHS pension but also draw comparisons with private pensions, offering you a comprehensive outlook. Tune in as we dissect the pros and cons of having your own private pension versus the NHS pension, scrutinize the realities of planning for financial independence, and evaluate the expenses related to different lifestyles. Buckle up as we venture into investment territories, weighing up the benefits of passive investing against active investing, and the implications of each for your pension.

To round off this vital conversation, we shift gears to focus on retirement planning and the crucial role of tracking NHS pension contributions. Luke shares his wealth of knowledge on tax implications of making personal contributions to a pension, and the advantages of employer contributions to a limited company's pension. We also touch on the services Luke offers to help dentists decipher the NHS pension intricacies. Listen in as Luke enlightens us on his journey from traditional financial advice to goal-led financial planning services, and his transition to a fixed flat fee model. Get ready for this indispensable episode that promises to illuminate your understanding of the NHS Pension and its impact on your financial future.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.