Doctors are among the highest earners in the UK and, as a result, among the most likely to pay more tax than they need to if their finances are not structured properly. Whether you are an NHS GP, a hospital consultant, a doctor with private practice income, or someone working across several different roles at once, the tax and financial rules that apply to you are more complex than most accountants deal with day to day. We specialise in helping doctors take control of their finances, pay the right amount of tax, and stop losing money to avoidable errors.
We cover everything from day-to-day compliance through to longer term financial planning.
We prepare and file your annual tax return, declaring all sources of income correctly and making sure every allowable expense is claimed so your bill is as low as it legitimately can be.
We calculate your pension input amount each year, assess whether you face a charge, and advise on your options including Scheme Pays if needed.
If you earn private income and are considering using a limited company, we advise on whether this makes sense for your situation, set it up correctly and prepare your company accounts and tax return each year.
From GMC registration and medical defence fees to CPD costs, specialist equipment and home office expenses, we make sure you are claiming everything you are entitled to.
We keep a clear record of all your income throughout the year, so your tax return is straightforward and there are no last-minute panics pulling everything together.
We manage all your deadlines and submissions, so you are never at risk of a fine, a late filing penalty or an investigation from HMRC due to an avoidable error.
An accountant who already understands how doctors are paid and taxed
Plain English advice whenever you need it without being billed for every question
A tax bill that accurately reflects your position with no overpaying and no nasty surprises
Your NHS pension position reviewed so you are never surprised by a large tax charge
Someone to call about a pension, tax or private income question, not just once a year
Many doctors are receiving unexpected tax bills of tens of thousands of pounds because their NHS pension has grown faster than the annual allowance that HMRC permits. This is not a penalty for doing anything wrong, it is simply a consequence of how the NHS pension scheme works and how HMRC calculates pension growth. But if it is not managed proactively it can come as a serious shock.
We help doctors understand their pension position, calculate whether they are likely to face an annual allowance charge, and explore options such as Scheme Pays, which allows you to have the charge paid directly from your pension rather than out of your own pocket. This is not something every accountant is familiar with, but it is something we deal with regularly.
Something we see often: doctors who have received a large annual allowance tax charge through their self-assessment but were never told it was coming and had no cash set aside to pay it. With the right planning this is avoidable, or at least manageable, if you know about it early enough.
If you have not had your pension position reviewed recently, it is worth doing before your next self-assessment deadline.
Beyond your tax return and NHS pension position, this is where a specialist medical accountant earns their fee.
Partnership accounts and profit-share and drawings planning for GP partners running their own practice.
Additional income streams for salaried GPs, such as out-of-hours work, extended access sessions and private reports and letters, declared correctly with every allowable expense claimed.
Structuring advice for hospital consultants earning NHS employment income alongside private practice, including whether a limited company makes sense.
Medico-legal report income and other private work declared and taxed correctly alongside your NHS PAYE salary.
Scheme Pays elections and cash-flow planning so an NHS pension annual allowance charge never arrives as a surprise.
Our packages for salaried GPs and consultants with straightforward self-assessment start at £35/month. Doctors with private income, medico-legal work or a limited company typically sit at £85–£180/month. GP partners needing partnership accounts alongside personal tax start at £225/month per partnership. Fixed fee, no hourly surprises.
Xero for anyone running a limited company or tracking private income, alongside simple digital record-keeping for expenses. If you’re currently on spreadsheets, we can get you set up in a way that makes your annual tax return far less stressful.
Each year HMRC compares the growth in your NHS pension (the ‘pension input amount’) against your annual allowance, which can be reduced further by the tapered annual allowance if your income is high. If growth exceeds your allowance, you face a tax charge on the excess. We calculate this every year so it’s never a surprise, and advise on whether Scheme Pays is the right option for you.
We handle the whole process — contacting your current accountant, requesting your records, and registering with HMRC as your agent. Most switches complete within two to three weeks with no gap in your compliance.
Yes. Whether it is a handful of medico-legal reports a year or a substantial private practice run through a limited company, we make sure it is declared correctly and structured as tax-efficiently as possible.
It depends on how much private income you earn and how consistent it is. We model both routes using your actual numbers and give you a straight answer, not a generic one.
Yes. R&R is regulated by the Association of Chartered Certified Accountants (ACCA). All work is signed off by an ACCA-qualified accountant.
Our head office is in Blackburn, and we work with doctors in Preston, Burnley, Accrington, Chorley, Leyland, Bolton, Wigan, Bury and Manchester. Being cloud-based means location rarely matters — most of our doctor clients handle everything remotely around shift patterns and clinics — but face-to-face meetings are available at our Blackburn office when you want them.
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Book a free consultation. We’ll review your last tax return, your NHS pension annual allowance position and your expense claims, and give you three concrete things to change — whether or not you switch to us. Call 01254 839543 or book online.
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74 St James Road, Blackburn, BB1 8ET
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