Industry SpecialistsInstitute of Financial Accountants (IFA)

Accountants for Dentists, Doctors & Healthcare Professionals in Glasgow

QA FinTax are specialist medical accountants in Glasgow for dentists, doctors, GPs and locums. We handle what makes medical tax complex: the NHS pension annual allowance and its tax charges, variable locum income, and juggling NHS earnings alongside private work.

Healthcare professionals face some of the most complex tax in the country, and the least time to deal with it. Between NHS pension annual allowance charges that can run to thousands, locum income that changes month to month, and the mix of NHS and private earnings, generic accounting misses things that cost real money. We specialise in getting it right for medical professionals.

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accountant for dentists Glasgow — QA FinTax, Glasgow

The Tax Challenges Healthcare Professionals Face

  • NHS pension annual allowance charges — often unexpected and large
  • Variable locum income and irregular invoicing
  • Mixing NHS employment, self-employment and private work
  • Knowing which medical expenses are actually allowable
  • Whether to incorporate a private practice

The NHS Pension Annual Allowance

This is where medical professionals most often get a nasty surprise. The annual allowance caps how much your pension can grow tax-free each year; exceed it and there is a tax charge at your marginal rate. For higher-earning doctors and dentists the allowance can taper down sharply, and NHS pension "growth" is not the same as contributions — which catches people out.

Pension annual allowance, 2026/27
ItemAmount
Standard annual allowance£60,000
Tapering begins (adjusted income)Over £260,000
Minimum tapered allowance£10,000
Threshold income before taper can applyOver £200,000
Where a charge arises, "Scheme Pays" can let the NHS pension settle it in return for a reduction in benefits. We calculate the charge and advise on the options.

How We Help Glasgow Healthcare Professionals

  • Calculating and planning around NHS pension annual allowance charges
  • Self-assessment for locum, sessional and private income
  • Structuring NHS employment alongside private practice
  • Claiming all allowable professional expenses (GDC/GMC fees, indemnity, equipment)
  • Advice on incorporating a private practice
  • Year-end accounts and proactive tax planning

Who We Work With

Dentists (associates and practice owners), hospital doctors and consultants, GPs and GP locums, pharmacists, and other healthcare professionals with private or self-employed income. Whether you are a salaried professional with a pension-charge problem or running your own practice, we bring medical-specific expertise most accountants do not have.

The Services Healthcare Professionals Businesses Need

Healthcare Professionals in Glasgow — Frequently Asked Questions

Because your pension grew by more than the annual allowance (£60,000 for 2026/27, tapering to as little as £10,000 for high earners). NHS pension "growth" is measured in a way that surprises people — it is not just what you paid in. Exceed the allowance and there is a charge at your marginal rate. We calculate it and advise on Scheme Pays.
It genuinely helps. NHS pension tax, locum income, and the NHS-plus-private mix are areas generic accountants routinely get wrong or miss. A medical specialist typically saves more than the fee — and avoids costly annual-allowance surprises.
Professional body fees (GDC, GMC), medical indemnity insurance, professional development, equipment, professional subscriptions, and business use of your car and home where relevant. The rules differ between employment and self-employment, which is part of what we manage.
Sometimes. A limited company can be more tax-efficient for a substantial private practice, but it interacts with your NHS pension, IR35 and how you draw income. We model it against your actual position rather than give a blanket answer.
Yes. Locum income — irregular, from multiple sources, often alongside a salaried role — is exactly what we handle, making sure everything is declared correctly and every allowable expense is claimed.

Official sources

Rates and thresholds are stated for the 2026/27 UK tax year and are for general guidance only. They are not a substitute for advice on your own circumstances.

Accountants who understand healthcare professionals

Book a free 15-minute review with a Glasgow adviser who knows your sector.

Other Industries We Serve

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