Katie Collin : Beyond the Balance Sheet

Katie Collin
  • 0.0 (0)
  • Business

Welcome to Katie Collin: Beyond the Balance Sheet, the podcast that lifts the lid on the financial realities of life as a medical professional in the UK. Hosted by Katie Collin, partner at Ramsay Brown and specialist medical accountant, this show goes deeper than the numbers. From NHS pensions and tax planning to GP practice management and policy shifts, Katie shares expert insights, candid conversations, and real-world guidance tailored for doctors, practice managers, and healthcare professionals. Whether you're navigating your annual allowance, planning a career move, or running a thriving partnership, this podcast is your essential companion to making informed, confident financial decisions. New episodes drop regularly. Follow now and take control of your financial future.

Episodes

  1. Aug 27

    GP Partnership & PCN Disputes: Why Money Is Rarely the Real Problem | Dr Clare Sieber

    GP Partnership & PCN Disputes: Why Money Is Rarely the Real Problem | Dr Clare SieberIn this episode of Beyond the Balance Sheet, Katie Collin is joined by Dr Clare Sieber, practising GP and accredited mediator specialising in GP partnership and PCN disputes. They explore why disputes that appear to be about money, workload or decision-making are often rooted in something deeper, including trust, communication, different values and conflicting ambitions for the future of the practice. Katie and Clare also discuss: The early warning signs of partnership conflictWhy financial pressure can expose existing tensionsThe importance of strong governance and up-to-date partnership agreementsWhat mediation actually involves and when to use itThe growing challenges around PCNs and neighbourhood working They also look at why due diligence before joining a partnership needs to go beyond the numbers, and why understanding who you are going into business with can be just as important as understanding the finances. GuestDr Clare Sieber Practising GP and accredited mediator specialising in GP partnership and PCN disputes. https://www.generalpracticemediation.... https://www.linkedin.com/in/drclaresieber/ About Beyond the Balance SheetBeyond the Balance Sheet is hosted by Katie Collin, Partner at Ramsay Brown, and explores the financial, operational and strategic issues shaping general practice and primary care. Ramsay Brown: https://ramsaybrown.com/ Katie Collin: / katie-collin

    GP Partnership & PCN Disputes: Why Money Is Rarely the Real Problem | Dr Clare Sieber

  2. Jul 31

    Kate Hayward on Xero, AI and why good advice still matters

    This is one of our biggest episodes of Beyond the Balance Sheet so far. Katie Collin is joined by Kate Hayward, Managing Director of Xero UK, for a conversation that goes well beyond software. Together, they discuss accountancy, leadership, small business pressure, AI, financial literacy and why good advice still matters. Kate shares her route into accountancy, from studying biology to training as an accountant, working in strategy and operations, and now leading Xero in the UK. She also reflects on mentorship, confidence, leadership and the people who backed her career along the way. Katie and Kate discuss the pressures small businesses are facing at the moment, including rising costs, cashflow, late payments and the challenge of making good decisions when the numbers are not clear. They also explore the role of Xero, digital accounting and AI in helping accountants and businesses work more efficiently. The conversation looks at where automation can save time, where human judgement is still essential, and why technology should create more space for better conversations between accountants and their clients. For Ramsay Brown’s healthcare clients, many of these themes will feel familiar. GP practices, consultants and medical businesses are not just clinical organisations. They are also employers, business owners and financial decision-makers. Clear numbers, strong systems and proactive advice are essential. In this episode, Katie and Kate discuss: • Kate Hayward’s career journey and route into leadership • what small businesses are facing in the current economy • cashflow, late payments and rising cost pressures • why financial literacy matters • how Xero is using technology and AI • the role of Claude and AI in accountancy • why accountants are moving beyond compliance • the importance of professional judgement and client relationships • leadership, mentorship and women in senior roles • why good advice still matters Listen to the podcast: https://pod.link/1821234194 Find out more about Ramsay Brown: https://www.ramsaybrown.com Find out more about Xero: https://www.xero.com/uk Connect with Katie Collin: https://www.linkedin.com/in/katie-collin/ Connect with Kate Hayward: https://www.linkedin.com/in/kate-hayward-77ab6848/ Follow Ramsay Brown on LinkedIn: https://www.linkedin.com/company/ramsay-brown/

    Kate Hayward on Xero, AI and why good advice still matters

  3. May 29

    From PCNs to Neighbourhoods: Why Primary Care Must Think Like a Business

    Primary care is changing again. In this episode of Beyond the Balance Sheet, Katie Collin is joined by Tara Humphrey, CEO and Founder of THC Primary Care, to discuss the shift from PCNs to neighbourhood working, and why primary care needs stronger leadership, governance and financial visibility. Katie and Tara explore what PCNs have taught us so far, what neighbourhoods may demand next, and why thinking like a business can help protect sustainable patient care. They discuss the realities of PCN leadership, the importance of trust and transparency, the risk of chasing funding without proper planning, and the need for clearer financial information as primary care moves into its next phase. A must-listen for GP partners, Clinical Directors, PCN managers, practice managers and anyone involved in the future of primary care. LinksConnect with Katie Collin on LinkedIn: https://uk.linkedin.com/in/katie-collin Connect with Tara Humphrey on LinkedIn: https://uk.linkedin.com/in/tarahumphreythc Visit Ramsay Brown: https://ramsaybrown.com/ Visit THC Primary Care: https://www.thcprimarycare.co.uk/ For enquiries please contact - hannah@ramsaybrown.com

    From PCNs to Neighbourhoods: Why Primary Care Must Think Like a Business

  4. Apr 15

    Why Banks Still Back Primary Care

    There’s a lot of noise at the moment around pressure in primary care. Rising costs, structural change, and ongoing uncertainty have left many GP practices questioning how sustainable the model really is. But from a banking perspective, the view is very different. In this episode of Beyond the Balance Sheet, Katie Collin is joined by Lucy Brine, Director of Healthcare at Lloyds Bank, to talk through how GP practices are actually being assessed when it comes to funding, risk and long-term stability. It’s a perspective most practices don’t usually get access to. They discuss what really matters behind the scenes, from partnership structures through to premises and cash flow, and how lending decisions are actually made. In this episode, they cover:Why GP practices are still seen as a stable sectorWhat banks look at when funding buy-ins, buy-outs and premisesWhy valuations don’t always match expectationsHow partnership structures affect lending decisionsHow PCNs have evolved and the challenges around managing shared fundsWhere cash flow pressure is actually showing up If you’re making decisions around growth, property or partnership changes, this episode gives you the context you need.

    Why Banks Still Back Primary Care

  5. Mar 3

    Leading Under Pressure – The Psychology of Primary Care Stress and Burnout

    In this episode of Beyond the Balance Sheet, Katie Collin is joined by Dr Matt Slavin, clinical psychologist and performance specialist, to unpack what stress is really doing to primary care leaders and what it takes to stay effective without burning out. This is a practical conversation for GP partners, PCN leaders and clinicians carrying responsibility across a system in constant change. They explore why burnout is rarely about “needing a break”, and more often about prolonged pressure, weak boundaries, and a system that never properly resets. Together, they cover: → Why chronic stress stops you thinking clearly (and pushes you into reactive mode) → What burnout actually looks like in the body and brain, and why rest alone doesn’t fix it → Compassion fatigue, secondary trauma, and the emotional load clinicians carry → Leadership transitions, partnership change, and the unspoken pressures that follow → The habits that protect performance: boundaries, decompression, focus, and reset routines If you’ve been feeling tired-but-wired, permanently behind, or like you’re carrying more than is sustainable, this episode gives a clear starting point and practical tools you can actually use. Guest: Dr Matt Slavin, Clinical Psychologist and Performance Specialist. Resources & Links: Connect with Katie Collin https://www.linkedin.com/in/katie-collin/ and Ramsay Brown https://ramsaybrown.com/ Connect with Dr Matt Slavin https://www.drmattslavin.com/

    Leading Under Pressure – The Psychology of Primary Care Stress and Burnout

  6. Jan 30

    Is Your NHS Pension Record Wrong? McCloud Remedy, Contingent Decisions and What to Do Next?

    In this episode of Beyond the Balance Sheet, Katie Collin sits down with Graham Crossley, founder of Medifintech and an NHS pension specialist, to unpack one of the most persistent and misunderstood issues facing NHS professionals today: whether their pension record can actually be trusted. With widespread missing service, administrative errors and ongoing delays linked to the McCloud Remedy, many GPs and consultants are unsure where they stand or what action they should be taking. Graham explains why these issues are far more common than most people realise and why making decisions without first checking the underlying data can be costly. In this episode, they explore: • Why NHS pension records frequently contain missing or incorrect service • The first document members should request to sense-check their pension record • McCloud Remedy explained in practical terms • The difference between RPSS and RSS and why so many members are still waiting • Why large tax bills should not be viewed in isolation • The risks of opting out or “opting in and out” without proper modelling • Contingent Decisions and reinstating service: when it can help and when it can go wrong • What NHS pension members should do next Guest: Graham Crosley Founder of Medifintech. Graham specialises in NHS pensions, supporting members, accountants and advisers with pension analysis, error correction and complex issues including McCloud Remedy, annual allowance and service reinstatement. Resources and links: Connect with Katie Collin Connect with Ramsay Brown Connect with Graham Crossley Learn more about Medifintech Disclaimer This podcast is for general information only. Ramsay Brown are chartered accountants, not financial advisers. NHS pension and tax decisions can have significant long-term consequences and advice should be taken based on individual circumstances.

    Is Your NHS Pension Record Wrong? McCloud Remedy, Contingent Decisions and What to Do Next?

  7. 12/05/2025

    Making Tax Digital. What It Really Means For You.

    In this episode of Beyond the Balance Sheet, Katie Collin sits down with Diane Holden, Senior Partner Success Manager at Xero, to break down one of the biggest changes to income tax in decades. Making Tax Digital will transform how locums, clinicians, landlords and sole traders manage and report their income. Diane explains what MTD really involves, who will be affected first, and how Xero can make the transition smoother and far less stressful. In this episode, they explore:• What Making Tax Digital is and why HMRC is changing the system • Who falls into scope and how the new thresholds will be phased in • Why your 2024 to 2025 tax return determines if you are captured • How quarterly digital submissions will replace the annual tax return • How Xero, bank feeds, Hubdoc and a separate business account keep digital records accurate • How real time data improves tax planning, session decisions, pensioning and profitability Guest:Diane Holden Senior Partner Success Manager at Xero. Diane supports firms and business owners through digital transformation and has worked closely with Ramsay Brown LLP to prepare healthcare clients for Making Tax Digital. Resources and links:Connect with Katie Collin Connect with Ramsay Brown LLP Connect with Diane Holden Learn more about Xero

    Making Tax Digital. What It Really Means For You.

  8. 10/20/2025

    Do You Trust Your Numbers? The Financial Risks Hiding in Your Books

    In this episode of Beyond the Balance Sheet,  Katie Collin is joined by Gareth Salomon, founder of Xenon Connect, to uncover the hidden bookkeeping errors that can distort financial decisions for GP practices, PCNs, and federations. What we cover Why reconciled bank lines are not the same as accurate booksThe five red flags that quietly distort GP accounts: unreconciled bank items, old unpaid bills, duplicate invoices, misposted bill payments, and duplicate contactsOpening balances and why year-on-year comparatives go wrongHow a simple health score and monthly report helps practice managers, PCNs and federations keep on top of qualityGovernance and fraud detection benefits when margins are tightWhat MTD for ITSA means for bookkeeping accuracy and investigation riskWhere AI helps, and where professional judgement still matters About Xenon Connect Xenon Connect plugs into Xero, QuickBooks Online, Sage and FreeAgent to scan bookkeeping data against double-entry norms, flag likely errors and let you fix them fast. Ramsay Brown uses it to provide monthly health-score reports to clients and to speed up month-end reviews. Who this is for GP practices, PCNs, federations and healthcare finance leads who want timely, reliable financials without adding headcount. Resources mentioned Xenon Connect Ramsay Brown LLP bookkeeping and management accounts support MTD for ITSA overview and readiness support Work with us If you’d like help improving bookkeeping quality, monthly reporting or MTD readiness, email hannah@ramsaybrown.com and we’ll set up a short call.

    Do You Trust Your Numbers? The Financial Risks Hiding in Your Books

  9. 09/17/2025

    The NHS Ten-Year Plan: What It Means for Primary Care

    The NHS Ten-Year Plan sets out ambitions for 15,000 new staff, neighbourhood teams and a digital-first NHS. But what does it really mean for GPs and primary care? In this episode of Beyond the Balance Sheet, Katie Collin is joined by partner Laurence Slavin to explore the realities behind the headlines. Drawing on decades of experience advising practices, Laurence reflects on past reforms, the ongoing flaws in funding formulas, the uncertain role of neighbourhoods and PCNs, and what the future might hold for continuity of care and the partnership model.

    The NHS Ten-Year Plan: What It Means for Primary Care

  10. 08/15/2025

    Incorporating Your GP Practice: Legal, Financial, and Contract Essentials

    In this episode of Beyond the Balance Sheet, Katie Collin is joined by Justin Cumberlege, healthcare lawyer at Hempsons, to unpack one of the most talked-about topics in primary care – GP practice incorporation. Together, they explore: The legal and financial implications of moving from partnership to a limited companyHow NHS contracts are affected and what “novation” really meansKey drivers for incorporation, from liability protection to succession planningCommon pitfalls and challenges – and how to avoid themPractical steps for ensuring a smooth transition Whether you’re considering incorporation for tax efficiency, improved governance, or greater flexibility in practice ownership, this episode provides a clear, informed view on the opportunities and risks involved. Guest: Justin Cumberlege – Partner at Hempsons, advising GP practices, PCNs, and federations across the UK. Resources & Links: Learn more about Hempsons Connect with Katie Collin and Ramsay Brown LLP

    Incorporating Your GP Practice: Legal, Financial, and Contract Essentials

  11. 06/17/2025

    The National Insurance Increase - Beyond the Balance Sheet

    In this debut episode of Beyond the Balance Sheet, Katie Collin tackles one of the most pressing issues currently facing GP practices — the Employer’s National Insurance increase taking effect from April 2025. Katie breaks down: What the change actually means for practicesWhy the cost increase is significantly higher than it appearsWho will be hit hardest, and why GP practices are uniquely affectedWhat the real cost looks like in pound-per-patient termsThe ripple effects on staffing, cash flow, and partner drawings How Ramsay Brown LLP is helping practices forecast, plan, and respond. Whether you’re a GP partner, practice manager or involved in healthcare finance, this is essential listening if you're trying to stay ahead of the financial curve in 2025. 📩Got a question or topic you’d like covered in a future episode? Email hannah@ramsaybrown.com directly. 🎙️ Next episode: Incorporation – what it really means for your practice, with special guest Justin Cumberledge from Hempsons.

  • 11 Episodes

About

Welcome to Katie Collin: Beyond the Balance Sheet, the podcast that lifts the lid on the financial realities of life as a medical professional in the UK. Hosted by Katie Collin, partner at Ramsay Brown and specialist medical accountant, this show goes deeper than the numbers. From NHS pensions and tax planning to GP practice management and policy shifts, Katie shares expert insights, candid conversations, and real-world guidance tailored for doctors, practice managers, and healthcare professionals. Whether you're navigating your annual allowance, planning a career move, or running a thriving partnership, this podcast is your essential companion to making informed, confident financial decisions. New episodes drop regularly. Follow now and take control of your financial future.

Information