Specialist Accountants for Doctors
Financial Management for GPs & Medical Professionals
Working as a doctor involves far more than patient care. It involves complex income structures, NHS pension rules, tax compliance, private fees and regulatory obligations. General accountants often miss the nuances of medical finances, which lead to missed savings or compliance risks. Our accountants for doctors provide focused, proactive accounting services that help you remain compliant, tax-efficient & financially confident.
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Practical Accounting Support For Doctors & GP Practices
Our accounting services are designed specifically for doctors and GP practices. We focus on compliance, tax efficiency and long-term planning.
Medical Accounting Built Around How Doctors are Paid
Doctors and GP practices have unique income structures. They can earn from NHS sessions, private work, GP partnerships and locum contracts, which require careful treatment. Our accountants for doctors prepare precise annual accounts, corporation tax returns and self-assessment filings.
Accurate NHS, Private & Locum Income Reporting
We ensure everything is reported correctly and consistently. This reduces errors, avoids omissions and provides clear cash-flow insight throughout the year.
Tax Efficiency for Doctors & GP Practices
Medical professionals often pay more tax than necessary due to missed allowances or poor planning. Our experts provide measured, compliant tax advice covering expense claims, pension contributions, capital allowances and income structuring that aligns with HMRC guidance.
NHS Pension & Annual Allowance Guidance
NHS pension rules are complex and can lead to unexpected tax charges if they are not handled properly. We provide support to doctors with pension reporting, annual allowance awareness and planning strategies.
Locum Accounting & IR35 Awareness
As compliance is essential for locum doctors, our experts help you understand how your contracts are taxed, review IR35 considerations and ensure income is recorded correctly. We help in reducing uncertainty and lowering the risk of HMRC challenges.
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We work with a wide range of businesses on a national level and can give you the friendly and expert accounting advice you need.
Why Doctors Trust Reflex Accounting
Medical professionals operate under constant pressure, balancing clinical responsibility with complex financial obligations. Medicine demands precision, and so do your finances. You need more than a general accountant who truly understands GMC requirements, NHS pension tiers, annual allowance traps, IR35 for locum work and the pressures of mixed income.
From managing pension annual allowance issues to ensuring your tax returns are accurate and defensible, we handle the financial complexity. You can then concentrate on patient care and your own well-being. With Reflex Accounting, your finances are handled with the same care and accuracy you apply to your profession.
Common Accounting Challenges We Solve for Doctors
Struggling to Track NHS, Private and Locum Income?
We reconcile complex income streams, track late reimbursements, resolve discrepancies and use forecasting to smooth cash flow. We ensure in minimising the stress of unpredictable earnings.
Confused by NHS Pension Tax and Annual Allowance?
We provide guidance on pension contributions, annual allowance thresholds and tax mitigation strategies to avoid unexpected bills and protect your retirement benefits.
Unsure if You are Claiming All Allowable Expenses?
Doctors often overlook legitimate allowances. We analyse overheads, fee structures and ensure every allowable expense is claimed correctly and compliantly, which helps you boost efficiency and profitability.
Paying More Tax Than Necessary on Multiple Income Sources?
We proactively review your income structures, maximising reliefs on subscriptions and tax position to efficiently minimise liabilities legally to reduce your overall tax burden.
Worried about HMRC Compliance or Enquiry?
Medical professionals face extra scrutiny on expenses and pensions. We maintain robust records, clear audit trails and compliant filings, which gives you confidence if HMRC ever asks questions.
FAQs
What specific allowable expenses can doctors claim?
Doctors can claim many expenses like General Medical Council (GMC) and professional body fees, indemnity insurance, CPD (Continuing Professional Development) courses, exam fees, medical journals, travel between workplaces, home office costs and specialist equipment. Claims depend on your employment status and must meet HMRC rules.
What about NHS pension tax charges and annual allowance?
NHS pension growth can trigger annual allowance tax charges, especially for higher earners. We help doctors to understand pension growth, assess exposure to charges and plan contributions to reduce unexpected tax liabilities.
Should a doctor set up a limited company for self-employment income?
Incorporation can be useful in some cases, but it is not suitable for all doctors. IR35, pension implications and income type must be considered before setting up a company.
Can I claim back tax on professional exams and postgraduate qualifications?
Exams and training costs may be allowable if they maintain or enhance existing skills. Costs related to gaining a new qualification or changing role are usually not deductible.
What services do specialist medical accountants provide for doctors?
Specialist medical accountants support doctors with accounts, tax returns, income reconciliation, pension guidance, locum and IR35 advice, cloud bookkeeping, payroll and HMRC compliance.
Struggling with Finances?
Let Reflex Accounting Handle It!
Focus on growing your business—not managing HMRC paperwork, audits & payroll
