Medics Money podcast

Medics Money
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The Medics‘ Money Podcast helps doctors, dentists and other professionals make better financial decisions. Hosted By Dr Tommy Perkins and Dr Ed Cantelo, who is not only a doctor but also a Chartered Accountant and Tax adviser.

  1. 1D AGO

    Ep 316: Do you have a will?

    Over 6,000 doctors competed our state of medics money survey into doctors finances and only 29% of you had a will. So today we’re going to show you how to get a will using the same solicitors that we use and the links to do this online or phone Trusts, estate planning, downsizing. Contact Talbots Law: 01384 447774 https://medicsmoney.co.uk/will-writing-service-for-medical-professionals/ PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/ Want the latest financial tips for doctors and exclusive invites? Join 71,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ Want to find out more about our other courses? www.medicsmoney.co.uk/courses Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

    33 min

  2. MAR 10

    Ep 315: Tax Year End Special - Don't Lose Out!

    PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/ Ed (a salaried GP, chartered accountant and tax advisor) and Andy (specialist medical accountant) outline 10 pre–tax-year-end considerations for healthcare professionals before 5 April 2026: claim missed employment-expense tax rebates for 2021–22 before the deadline; monitor adjusted net income around £100,000 to avoid personal allowance taper and childcare impacts, using pension contributions or Gift Aid where relevant; maximise ISA allowances (£20,000, including up to £4,000 Lifetime ISA, with cash ISA limits for under-65s changing from April 2027) and consider Junior ISAs (£9,000); transfer income-producing assets to a spouse/civil partner to use lower tax bands; use the £3,000 CGT allowance if selling assets; watch NHS pension annual allowance and tapered annual allowance issues near £200,000; consider inheritance tax gifting exemptions (£3,000 per year, plus prior year); plan limited-company dividends before dividend tax rates rise on 6 April 2026; and prepare for Making Tax Digital from 6 April 2026 for qualifying self-employed or rental income over £50,000. Want the latest financial tips for doctors and exclusive invites? Join 71,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ Want to find out more about our other courses? www.medicsmoney.co.uk/courses Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

    28 min

  3. MAR 3

    Ep 314: GP outsourcing and predictions for 2035

    Check out Vallour: Vallour Healthcare Services PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/ In this episode, Tommy interviews Valeed, a GP partner in Manchester and CEO of Vallour, about outsourcing support for NHS general practice. Vallour provides outsourced document processing, prescription and medicines management, pharmacy-led chronic disease work, and pathology management, aiming to avoid work “boomeranging” back to practices by using on-call leads and autonomous clinicians who can take responsibility and prescribe. Valeed explains their pathology service focuses on abnormal as well as normal results via a calibration step with each practice to set thresholds, guidance choices, messaging, and risk appetite, creating bespoke statements of work. They discuss optimizing skill mix, reducing unnecessary routine work, and using existing tech better, with interoperability as a key barrier. Valeed also describes Vallour’s work in CPD education, helping practices become research-ready for NIHR and commercial trials (including patient recruitment for underrepresented groups), and developing clinical decision-support software.  Want the latest financial tips for doctors and exclusive invites? Join 71,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ Want to find out more about our other courses? www.medicsmoney.co.uk/courses Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

    38 min

  4. FEB 26

    Ep 313: Do THIS before 5th April - NHS Pension tax traps to avoid

    Fix your NHS Pension FAST: www.medicsmoney.co.uk/pension PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/ In this podcast, Tommy Perkins, Dr. Tony Goldstone, and Andy Pow discuss the critical tax planning opportunities available before the end of the 2025-2026 tax year. They delve into the complexities of the annual allowance, its implications for high earners, and the importance of understanding one's pension growth. The conversation emphasises the need for proactive financial management, the potential for tax charges, and the various strategies available to mitigate these impacts. The hosts also introduce a new course aimed at educating medical professionals on navigating their financial landscape effectively.   Want the latest financial tips for doctors and exclusive invites? Join 64,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ Want to find out more about our other courses? www.medicsmoney.co.uk/courses Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

    25 min

  5. FEB 24

    Ep 312: Q&A - Parents' Tax Trap, VAT on Botox, and Limited Companies

    PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/ In this episode, Tommy Perkins and Andrew Fenton discuss various financial questions that doctors face, particularly in light of recent budget changes. They cover topics such as managing earnings over £100,000, starting a new aesthetics business, understanding VAT implications, and the differences between operating as a sole trader versus a limited company. The conversation emphasises the importance of tax efficiency and proper financial planning for medical professionals.   Want the latest financial tips for doctors and exclusive invites? Join 64,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ GP partner looking to improve your practice/ Then come on our course https://www.medicsmoney.co.uk/gp-partnership-programme/ Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

    15 min

  6. FEB 17

    Ep 311: BMA special - Doctors jobless - what’s the plan?

    PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/ In this episode of the Medics Money podcast, Cyra, Shivam, and Arjun discuss the UK Graduate Prioritisation Bill, which aims to prioritise UK medical graduates in the training process amidst a growing number of international applicants. They explore the challenges faced in medical training, the role of the BMA in advocating for necessary changes, and the ongoing pay disputes affecting doctors. The conversation highlights the need for a sustainable workforce plan that balances the interests of UK graduates and international medical graduates while addressing systemic issues within the healthcare system. Chapters 00:00 Introduction to the UK Graduate Prioritisation Bill 02:45 Challenges and Solutions in Medical Training 05:34 The Importance of Sustainable Competition Ratios 08:19 The Role of the BMA in Advocating for Graduates 11:06 Addressing the Needs of International Medical Graduates 13:49 Future of Medical Training and Workforce Planning 16:26 The Pay Dispute and Its Implications for Doctors 17:44 Conclusion and Future Outlook   Want the latest financial tips for doctors and exclusive invites? Join 64,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ GP partner looking to improve your practice/ Then come on our course https://www.medicsmoney.co.uk/gp-partnership-programme/ Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

    41 min

  7. FEB 10

    Ep 310: Cash ISA limits REDUCED and Vinted sales - your questions answered

    PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/   In this episode of the Medics Money podcast, Matthew and Ed address various financial questions from doctors, focusing on topics such as cash ISAs, trading allowances, adjusted net income, self-assessment tax returns, and claiming professional expenses. They provide insights into the implications of recent changes in tax laws and offer practical advice for navigating the complexities of financial management in the medical profession.   00:00 Introduction to Financial Queries for Doctors 01:12 Understanding Cash ISAs and Future Changes 05:40 Exploring the Trading Allowance and Miscellaneous Income 09:02 Adjusted Net Income and Its Implications 11:43 Self-Assessment Tax Returns: Who Needs Them? 16:35 Claiming Professional Expenses and Tax Rebates 21:35 Navigating HMRC Tax Relief and Subscriptions   Want the latest financial tips for doctors and exclusive invites? Join 64,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ GP partner looking to improve your practice/ Then come on our course https://www.medicsmoney.co.uk/gp-partnership-programme/ Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

    31 min

  8. FEB 3

    Ep 309: How this doctor automated their finances

    PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/   This week's Medics' Money Podcast features Dr. Zain Manji, who shares his experience and insights on financial education for medical professionals. Dr. Manji discusses the lack of formal financial training in medical schools and emphasises the importance of early financial planning and investment. He highlights key takeaways from the Medics' Money Financial Wellbeing course, such as budgeting, the medics money financial wellbeing algorithm, and evidence-based investing. He also offers advice to medical students and young doctors on the significance of starting financial planning and investing early.   Want the latest financial tips for doctors and exclusive invites? Join 64,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ GP partner looking to improve your practice/ Then come on our course https://www.medicsmoney.co.uk/gp-partnership-programme/ Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

    13 min
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About

The Medics‘ Money Podcast helps doctors, dentists and other professionals make better financial decisions. Hosted By Dr Tommy Perkins and Dr Ed Cantelo, who is not only a doctor but also a Chartered Accountant and Tax adviser.

Information

  • Creator
    Medics Money
  • Years Active
    2020 - 2026
  • Episodes
    352
  • Rating
    Clean
  • Copyright
    © Copyright 2026 All rights reserved.
  • Show Website
    Medics Money podcast

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