Our Services

Clarity and confidence in your NHS pension.

We cut through the complexity of your NHS pension and project your benefits to your chosen date of retirement. You’ll get a clear, easy-to-read report and a personal call with an expert to explain what it means for you.

We’ll help you understand:

• Where errors exist in your records, and how to fix them.
• How changes like salary sacrifice, reducing hours or taking on extra responsibilities affect your benefits.
• Your estimated Annual Allowance position in the current tax year - months before Pension Savings Statements are issued in the following tax year, when it’s too late to act.
• The real impact of Scheme Pays if there is a tax charge (e.g. from a pay rise), showing how pension benefits often outweigh the tax cost, so you avoid rash decisions like opting out and missing valuable pension.

We have saved NHS members millions of pounds by identifying and correcting errors in tax charges and pension records, even when employers and the NHS Pension Scheme administrators had said everything was correct. Our best case to date increased a member’s pension by £16,000 per year, boosted their lump sum by £48,000, and reduced their Annual Allowance tax bill by £107,000, together worth around £500,000.

The result: confidence in the accuracy of your pension records and a clear understanding of your options.

Start My Pension Report

Seeing the full picture behind your McCloud buy back options.

If you’re affected by the McCloud discrimination, you may be able to buy back pension service or reinstate Added Years/Added Pension. But the official quotes only show part of the story. They don’t reflect the knock-on effects on Annual Allowance tax charges or how reinstatement interacts with your existing benefits.

That’s where we come in. We compare your options side-by-side, factoring in tax, allowances, and long-term pension impacts, so you can see the true net benefit.

Real examples we’ve uncovered:

• One quote suggested it would take 15 years to break even. But when we looked at the wider impact, the extra lump sum alone covered the full contribution cost and still left £15,000 tax-free cash, plus an extra £8,000 a year pension on top. In other words, free pension from day one.
• Another quote suggested nearly £5,000 a year extra pension. But after accounting for pension tax and how Scheme Pays reduces the pension, it turned out the member would not actually receive any increase, and would instead be paying to cut their pension by almost £1,000 a year.

The NHS Pension Scheme rules are highly complex, and decisions like these carry consequences that are rarely obvious from the official paperwork. That’s why expert support is essential.

Our fees may be recoverable under the cost claim-back scheme, which has already refunded costs for members in our pilot cases.

The result: a clear, evidence-based view of the true net benefit (or cost) of buy back — helping you avoid costly mistakes and make an informed decision.

Once our analysis is complete, we recommend you also seek financial advice to see how this impacts your wider financial plan.

Sometimes more is less, and less is more.

Compare my options

Get it right, on time.

The McCloud remedy has returned thousands of NHS pension members back to their legacy 1995/2008 scheme for service accrued between April 2015 and April 2022. This rollback means your Annual Allowance position has changed for those years, and as a result you may now owe extra tax, or be due a refund.

It is each member’s responsibility to report these changes to HMRC. There is a strict three-month deadline from the date you receive your Remediable Pension Savings Statement (RPSS) to submit calculations through HMRC’s online digital service.

Your 2022/23 pension tax figures are also included in the RPSS, so this statement covers 2015/16 to 2022/23.

But you’re not alone. We can take away the hassle of the whole process, from gathering data to completing the calculations, and every case we’ve handled so far has been fully covered by the cost claim-back scheme.

We’ve worked closely with HMRC to make this as straightforward as possible. When you register with us:

• You’ll be given a secure SharePoint link to upload your RPSS.
• You’ll complete a short online form that directly requests your historic tax data from HMRC, saving you from digging out years of old tax returns.
• Our team then processes your case, completes the calculations, and provides everything needed for your HMRC submission.

We’ve already processed hundreds of RPSS statements for NHS members nationwide, helping to correct historic tax positions, and recover money that would otherwise have been lost. To date, we have helped recover over £10 million in overpaid tax. We’ve also spotted and corrected numerous errors in RPSS statements that have saved members thousands of pounds.

The result: confidence that your McCloud obligations are dealt with correctly and on time, with the reassurance that nothing has been missed.

Review my RPSS

NHS Pension Support (Basic) — £300 + VAT

Affordable clarity for AfC staff and GP practice staff.
A streamlined version of our Standard report, designed for Agenda for Change staff up to Band 8c and those in GP practices. It gives a clear overview of your pension position without the pension taxation detail.

Register now

NHS Pension Award Check — £415 + VAT

Peace of mind for retirees.
For members who have already retired and started drawing their NHS pension. We independently check your award to confirm accuracy, spot errors, and ensure you’re receiving the pension you’re entitled to.

Register now