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Google Rating
5.0
Based on 49 reviews
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Medical & General IFA Ltd

Location: Leeds, Cadhay, Ottery St Mary, Devon, Somerset

Medics Money Verified

Free initial first consultation


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
  • NHS Pension advice ( Guide price £ 750.00)
  • Private Pension advice

Reviews


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

Megan

Locum
Speciality not listed



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



Fantastic clear pension advise would definitely recommend.

David

Locum
Emergency medicine



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



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



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



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



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

Richard

Consultant
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



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

Dylan

GP - General Practitioner locum
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



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



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



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



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



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



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



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



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



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



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



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



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



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



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



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



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



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



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

Peter

Consultant
Radiology



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



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



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

Jo

GP - General Practitioner locum
GP