Across England, we provide locum GPs with expert financial support designed specifically for their professional needs. From personalised accountancy and tax guidance to detailed financial planning, we ensure our knowledge of the NHS Pension Scheme works to your advantage.
We provide locum GPs across England with expert financial and tax support, including in-depth guidance on the NHS Pension Scheme. Our team specialises in helping locums navigate the complexities of managing their finances and business affairs.
Each locum’s financial situation is different, and there are multiple approaches to consider. Making the right choices is crucial, as tax implications can be significant. Relying on casual advice from friends or colleagues can often lead to costly mistakes. Setting up a limited company may not always be the best path, and careful planning is essential.
Being a locum GP means running your own small enterprise, with responsibilities that cannot be overlooked. Errors or delays can result in serious penalties. Our specialists work closely with you to explore the most suitable options for your individual circumstances, providing guidance and support every step of the way.
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We offer a full suite of financial and accounting services tailored specifically for Locums. Our expert team ensures advice is customised to your unique circumstances.
Our key services include:
To help you plan confidently, we provide fixed pricing options based on your specific situation and bookkeeping setup. Discounts are available for Locums using My Locum Manager, a handy online accounting tool.
As a self-employed Locum, effectively managing your expenses can significantly reduce your taxable income, lowering your overall tax liability. It is important to fully understand the rules surrounding allowable expense claims to maximise your savings.
Qualifying Expenses
An expense is eligible for tax relief if it is incurred ‘wholly and exclusively’ for your business. If an expense serves both business and personal purposes, only the business-related portion can be claimed.
Vehicle Expenses
You may claim vehicle expenses if your vehicle is used for business purposes. These costs must be apportioned to reflect business use only. Our team can help you calculate the correct proportion of business mileage to apply against your total vehicle expenses.
Typical allowable vehicle expenses include:
Additional Expense Claims
There are many other types of expenses that may be claimed. We provide all our Locum clients with a straightforward checklist and ongoing advice to ensure you claim all eligible costs correctly.
If you participate in the NHS pension scheme, it’s essential to ensure your contributions are accurate and compliant with current regulations.
Our pension contribution services include:
Choosing the right legal structure for your work is crucial to managing your finances and tax obligations efficiently.
The common business structures available include:
The correct choice can offer benefits such as:
However, locums may face restrictions in selecting their business structure. Our expertise helps tailor solutions within your specific situation to optimise your financial outcomes.
Many healthcare professionals have multiple income streams, such as self-employed locum earnings alongside salaried positions at hospitals or clinics.
Both income types are subject to National Insurance Contributions (NICs). However, there is an annual cap on NICs payable by individuals. It’s common for locums to pay the maximum NICs on their primary income without accounting for the total paid across all sources, which can lead to overpayment if not monitored properly.
How can we assist?
We carefully review your NICs payments across all income streams to ensure accuracy. If we identify any overpayments, we will help you recover the excess contributions efficiently.
The introduction of enhanced tax enquiry processes has significant implications for you.
Given the rising frequency and costs of tax investigations, it is vital to have protection in place. We offer a dedicated service designed to shield GPs from the potentially substantial expenses linked to these enquiries. While additional tax charges can be a concern, the professional fees incurred during disputes with HM Revenue & Customs can be equally burdensome. We strongly encourage all our GP clients to benefit from our Tax Inquiry Support Plan, which covers these professional fees.
With a simple annual subscription, we can manage any tax enquiry efficiently on your behalf, eliminating the risk of unexpected costs or fees.
Through our collaboration with https://locumpro.com, BW clients can access a discounted subscription to this fantastic digital toolkit. It offers excellent value and helps you organise your records and get ready for digital tax requirements!
As a GP Locum, you run your own small business with many responsibilities. Our specialists can guide you through personalised options tailored to your situation. Contact our Tax Consultant Emma Blake for a free initial consultation.
Specialist accountants for doctors, dentists, and healthcare professionals across London and the UK.
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