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Review

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As a doctor in the NHS, you have a demanding and rewarding career that requires a significant investment of time and energy. Alongside the fulfilment that comes from caring for others, it is equally important to plan for your own longterm financial wellbeing. Our firm has been providing holistic financial advice to medical professionals for over 30 years, and we understand the unique financial challenges faced by those working within the NHS. A key area of concern for many doctors is the NHS Pension Scheme. We specialise in supporting medical professionals in maximising the value of their pension benefits, offering clear guidance on pension contributions, tax implications, retirement planning, wealth management, and income protection—including safeguarding your family in the event of death or critical illness. Our team will help you navigate the complexities of the NHS Pension Scheme and equip you with the information needed to make informed, confident decisions about your financial future. We believe in a personalised, clientcentred approach to financial planning. Our advisers work closely with you to develop a tailored financial plan that reflects your goals, income, and wider financial position—whether you are early in your career or approaching retirement. Our services include: Contribution planning: Developing strategies to maximise NHS pension contributions while considering your financial circumstances, longterm objectives, and tax position. Tax implications: Helping you understand the tax benefits and potential drawbacks associated with your pension contributions and annual allowance position. Retirement planning: Creating a structured retirement plan that considers your income, assets, and expected expenditure, ensuring the right balance of savings and investment strategies. Wealth management: Supporting you in managing your NHS pension and wider investments to help you achieve your financial goals and secure your financial future. Personalised financial strategy: Working collaboratively with you to understand your unique circumstances and develop a plan tailored to your needs—whether your priority is pension optimisation, retirement planning, or broader wealth management. We are committed to providing transparent, straightforward advice that places your interests at the forefront of every recommendation. Medical Life is a trading style of Saltus Limited, which is authorised and regulated by the Financial Conduct Authority (FCA number 554381).

Services offered:

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

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Reviews

Richard has been so patient, kind and supportive and has provided clarity when I felt very overwhelmed by my financial situation. He has taken time to understand my concerns and needs and as a result, his advice and guidance has been brilliant. I would thoroughly recommend him!

Anne

GP - General Practitioner salaried
GP

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Richard has been advising myself and my wife (GP and O&G cons) on all aspects of personal finance for nearly 15 years. His knowledge, experience, communication and all-round ‘common sense’ approach to finance has been invaluable to us, saving and making us thousands during that time. Whether it be personal insurance, the NHS pension scheme, mortgages or investing, Richards wealth of knowledge is unparalleled and I wouldn’t hesitate to recommend him to friends, family and colleagues. We certainly wouldn’t seek an alternative opinion as the piece of mind and reassurance he provides is priceless.

David

GP - General Practitioner locum
GP

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Me and partner are expecting our first child . My partner is a student . He helped me to arrange Income protection Insurance which was most suitable efficiently to provide me piece of mind should this ever be needed . Also offered help to regarding a will writing service. Rich is very approachable and responsive and has been able to help me with all my questions so far . I can highly recommend him to other medics as a financial advisor.

Luke

CT1 / ST1
Emergency medicine

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I have had the privilege of working with Richard over the past two years, and I have come to deeply appreciate his kindness and compassion, which define him first and foremost. Beyond that, he is an exceptionally knowledgeable and level-headed advisor. Richard has a remarkable ability to simplify complex financial jargon, ensuring I fully understand concepts that are unfamiliar to me, and he consistently provides thoughtful and sound guidance. He is both accessible and approachable, always willing to offer additional time and support whenever needed. I genuinely value his guidance and the friendly, collaborative relationship we share.

Zainab

ST7+
Psychiatry

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Richard became my financial advisor in 2004. Over almost twenty years he has helped me to make the best financial decision for me and my family. He has vast experience working with medical practitioners of all grades and I have learnt so much from Richard. Richard is very accommodating arranging meetings and efficient with paperwork and all communications. He has helped me with house purchasing, remortgaging, savings, income protection, critical illness, life insurance and planning for my children’s future.

Lyndsay

Consultant
Surgery

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I cannot recommend Rich highly enough. He took the time to understand our situation and needs, over multiple meetings. Understanding that we'd previously had negative experiences from financial advisor, he has taken care to ensure our concerns are listened to. Where we have money to invest, he found ways of doing this which alligned with our values. This was particularly important to us. He also explained our previous advisor had not been doing their job correctly, which has led to a sizable compensation. Not being financial minded, he also takes time to de-jargon anything we don't understand. This is appreciated. We now have a plan which covers all eventualities, which has provided peace of mind We're looking forward to working with Rich into the future, so we can retire when we want, be comfortable financially, and provide for our children's needs as they grow.

Ed

GP - General Practitioner locum
GP

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Helped us choose life insurance, critical illness cover and income protection with plans that work alongside our NHS benefits! Very contactable and happy to meet in the evenings.

George

ST3-ST6
Surgery

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Richard Heap (Abacus Advisers) provided me with invaluable advice and made things clear and concise in order for me to maximise tax efficiency. A definite 5 star service, highly recommended!

Andrew

Consultant
Medical

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Helped me with pension advice, ISA and premium bond advice. Extremely knowledgeable and friendly to talk too. Would recommend to any of my colleagues if they need financial advice.

James

Clinical Fellow
Speciality not listed

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Rick has been advising us financially for about 20 years, he has always provided us with sound advice whether it has been savings, investments or pension planning. He is approachable and explains things clearly for those of us without a financial background.

Nicola

Consultant
Medical

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Extremely knowledgeable on all aspects of independent finance with excellent support on NHS pensions. Expertise and specialist for doctors. I have been with Richard for over 20 years and he has provided excellent advice from mortgages, investments and pensions. Highly recommended.

David

Consultant
Paediatrics and child health

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Trustworthy, reliable and excellent advice. I’ve known Richard for nearly 15 years and he’s always made and saved me money.

Rahul

Consultant
Surgery

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Rich was professional and helpful from the outset. He provided free initial assessment and was always ready to provide clear notice of when advice would incur costs plus how much. He understood my financial needs and the finances of medical staff. My questions were specific to retired medics questions which are quite nuanced. I can only recommend him highly

Neil

Consultant
Speciality not listed

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I've been a client of Richard Heap for over 15 years, and I have been extremely happy with his guidance and management over the years. His friendly but professional manner has instilled great trust in his advice. I appreciate his unpushy approach as it allows me to feel relaxed and comfortable in making any financial decisions. He's very knowledgeable about all aspects of wealth management and is always willing to go the extra mile in order to be of help. I would highly recommend him to anyone looking for a financial advisor.

Oliver

GP - General Practitioner locum
GP

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I have worked with Richard for over a decade now and have always found him to be helpful, goes above and beyond and sorts out all financial matters. He treats you like a friend and works with you in this way. I totally trust his judgement which is always sound well founded. Would not hesitate to recommend him!

Ro

Consultant
Surgery

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Richard has been our financial advisor for 15 years and has been excellent. He is very trustworthy and reliable and would not hesitate to recommend him to friends and colleagues

Kate

GP - General Practitioner locum
GP

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Richard has an excellent understanding of the complexities of how NHS doctors are paid and the NHS pensions. He is able to guide and advise on all my financial requirements and I trust his advice and would recommend to anyone

Parvesh

Consultant
Anaesthetics

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I had more information with this advisor in one session than my previous FA from "Chase the Vere" in 3 or 4 years. I feel it has made a difference. My trust is very high, and I feel he is there for me. I am happy to move forward from a good start.

Eduardo

Consultant
Surgery

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Rich is a very good, reliable and trustworthy professional. Always available to answer questions and doubts that there may be. I strongly recommend his services

Rute

ST3-ST6
Surgery

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