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Probably both, which is why Medics’ Money is such a great place to find advice as we have the best specialist medical accountants and independent financial advisers all in one place, all working together to help doctors like you. A simplistic view is that accountants calculate your historic tax liabilities and can advise on this. IFAs calculate what you should do in the future including whether you should opt out of the NHS Pension. This article provides more detail.