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NHS Pension & McCloud Remedy: Unlock your best retirement. Claim up to £1,000 in advice fees

Make the most of the McCloud remedy and get expert financial advice.

We're here to help NHS members understand their pension options and claim up to £1,000 in fees.

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Expert guidance for NHS staff on your 2015–2022 pension choices – Potentially at no personal cost!

If you’re an NHS public sector worker, the McCloud Remedy offers a critical choice for your pension calculation between 1 April 2015 and 31 March 2022. This decision could profoundly impact your retirement income.

Crucially, HMRC allows eligible individuals to reclaim up to £1,000 in accountancy advice fees for this decision. This means you can access our specialist, professional advice at no personal cost.

At Armstrong Watson, we specialise in guiding NHS staff through the complexities of the McCloud Remedy. We'll help you understand your options, minimise tax exposure, and make the best choice for your financial future.

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Are You Affected by the McCloud Remedy?

You may be eligible for the McCloud Remedy if you meet these criteria:

  • Were an active member of a public sector pension scheme on or before 31 March 2012.
  • Continued as an active member after 1 April 2015.
  • Were moved to the reformed scheme in 2015.

Note: If eligible, you'll receive a Remediable Service Statement (RSS) from your pension provider, outlining your benefits under both schemes for the 2015–2022 period.

Your key actions for a secure future

  • Check your eligibility: Confirm you’ve received your Remediable Service Statement (RSS) and understand its contents. This is your foundation.
  • Evaluate your options: Deciding between the legacy and reformed schemes can mean thousands of pounds difference in your retirement. You’ll need to weigh lump sums, annual income, and crucial tax implications.
  • Get professional support: The choices are complex and often irreversible. Our pension experts will help you compare scenarios, minimise tax exposure, and make the most financially sound decision for your unique circumstances.
  • Claim up to £1,000 in advice fees: Don’t miss this valuable opportunity. HMRC specifically allows eligible members to claim back up to £1,000 in accountancy advice fees, making expert guidance accessible at no personal cost to you.

Don't wait – Act now

While final pension decisions are made at retirement, understanding your McCloud options early is vital for effective financial planning and to ensure you don’t miss out on valuable benefits. Armstrong Watson has a proven track record, helping hundreds of public sector professionals navigate complex pension reforms.

Why choose Armstrong Watson?

  • We offer specialised expertise in NHS Public Sector Pensions.
  • Personalised advice tailored to your unique financial situation.
  • Clear guidance on tax implications to minimise your exposure.
  • Dedicated support for claiming your £1,000 advice fee reimbursement from HMRC.
  • Free initial, no-obligation consultation to understand your needs.

Speak to an NHS pension specialist today. Secure your future.

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