Financial advice for GPs and GP Practices
From GMS pension complexity and practice entry to retirement planning and partnership protection — we understand the structures unique to general practice in Ireland.
We understand your world
The financial landscape for GPs is genuinely complex
The GMS pension scheme, practice partnership structures, GMS contract implications, practice buy-ins and exits — these are not standard financial planning issues. They require advisers who deal with them routinely.
We advise GPs and GP practices across Ireland and have built our approach around the real questions our GP clients face at every stage of their career.
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Are you a GP registrar starting out?
We’ll help you set up income protection, understand your pension options early, and avoid costly mistakes at the start of your career. -
Are you joining or buying into a practice?
We advise on valuation, financing, partnership agreements, and the pension implications of becoming a GMS contractor. -
Are you approaching retirement or practice exit?
GMS pension benefit calculations, tax-free lump sums, practice succession, and timing your exit to maximise your position.
GMS Pension Planning
Understanding your GMS scheme entitlements, added years, additional contributions, and tax-efficient approaches alongside private pension arrangements.
- GMS scheme entitlements review
- Added years & AVC options
- Tax-free lump sum planning
- Retirement timing strategy
Practice Planning
From your first day in a practice to the day you hand over. We advise on the financial dimensions of practice life throughout.
- Practice buy-in & valuation advice
- Partnership structure review
- Practice exit & succession planning
- Locum financial planning
Protection
Income protection and life cover structured correctly for GP income, including the complexities of mixed GMS/private income.
- Income protection (short & long-term)
- Serious illness cover
- Family protection
- Key person / partnership protection
Tax-Efficient Investing
Cashflow planning and investment strategies for GPs with surplus income — structured tax-efficiently and aligned to your goals.
- Cashflow modelling
- Investment planning & review
- Pension limit planning
Mortgages
Specialist mortgage advice for GPs, including practice premises financing and residential mortgages with complex income structures.
- Residential mortgage advice
- Practice premises financing
- Mortgage protection cover
Estate & Legacy Planning
Protecting what you’ve built and ensuring it passes efficiently — wills, life cover structures, and inheritance tax planning.
- Inheritance tax planning
- Will & trust guidance
- Practice succession
Free resource
Download: GMS Pension Scheme Explained
Our plain-language summary of the GMS pension scheme — what you contribute, what you’re entitled to, and how to review your position.