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Max Spurgeon
Director Area Covered: MidlandsMax has been a financial adviser for over 20 years, mainly specialising in the medical profession. He holds the Diploma in Financial Planning (Dip PFS) with a focus on pensions, and the Certificate in Mortgage Advice and Practice (CeMAP®) qualifications.
He has been a guest speaker at events for doctors and dentists throughout the country, from national conferences to medical association and hospital departmental talks. Well known for his colourful presentations, he brings light to subjects that can often be perceived as being somewhat vanilla!
Max lives in the Midlands with his wife and two children and has a wide variety of interests, most of them sports based. He had a spell in the military and used to sky dive and scuba dive, but is now more often seen on two wheels whenever he gets the opportunity.
What's new by Max
NHS pension contribution rates are changing – is it good news?
Back in 2022, the Department of Health and Social Care proposed changes to the contribution levels for the NHS pension…
Claim money back from the NHS for professional advice due to McCloud remedy
The NHS has introduced the Cost Claim Back Scheme to provide relief for members directly impacted by the McCloud remedy….
NHS pension scheme tax updates 2024
We are working on a series of articles to keep you informed about the latest news regarding the NHS pension…
McCloud Remedy update: 10 proposed changes to NHSPS regulations
In response to the government consultation on the proposed McCloud Remedy, new details have been released. This government announcement is…
Latest annual allowance update for the 2022/23 tax year
As mentioned in previous articles, the NHS is not providing annual allowance data for the 2022/23 tax year. At the…
Good news for doctors and dentists NHS pensions
A lot of this year’s budget news managed to find its way into the mainstream media before its announcements, so…
7 tips to help doctors and dentists avoid financial ruin
Why are some medics more financially successful than others? Aside from the obvious, different specialties and experience levels command different…
Could not contributing potentially be better for your pension?
Once more we find ourselves in unusual times, and this time we are not talking covid – I refer to…
How inflation will affect your annual allowance
The current rise in inflation is causing issues for doctors and dentists regarding their NHS pensions and annual allowance. Although…
A potential investment opportunity in uncertain times…
It’s hard to know where to invest your money at the best of times. Compounded by deposit returns from cash,…
How an NHS car lease may impact your pension
At first glance, a car lease through NHS Fleet Services can look like an attractive offer. As an NHS professional,…
Live your bucket list now, not just in retirement!
It’s so easy for us all to get caught up in the flurry of day-to-day life and our long-term plans…
6 positive ways to enhance your finances
As doctors and dentists, you work hard to put money in your pocket but is that money working as hard…
Should I fear the lifetime allowance?
The Chancellor’s decision to freeze the Lifetime Allowance (LTA) at £1,073,100 (for 2020/21), in the recent budget is causing our…
3 big NHS pension scheme changes you need to know
Keeping up to date with NHS pension scheme changes can be challenging and tedious at the best of times, let…
How to reduce your NHS pension retirement age
In today’s world many doctors and dentists are working extremely long hours, often under very stressful circumstances so it comes…
Removal of age discrimination – The knock-on effect to your NHS pension
Just when you thought your NHS pension scheme couldn’t get much more complicated there are now more pension decisions to…
NHS England to pay clinicians annual allowance charges: Concerning?
NHS England recently announced to the press that they intend to pay our NHS clinicians annual allowance charges for the…
The future of the NHS pension scheme
Are you an NHS doctor with annual allowance concerns? Recent pension legislation changes have caused some unintended consequences regarding our NHS…
Is the NHS pension scheme too generous?
Who would have thought an NHS pension scheme could be too generous? When transferring your 1995 NHS pension scheme to…
Stop and think before you leave the NHS Pension Scheme
NHS staff are leaving the NHS Pension Scheme at almost 5 times the rate of other public sector workers¹. Are…
Who knows what about you?
The Facebook and Cambridge Analytica scandal has made many of us wonder exactly how private and secure is the information…
3 reasons to have a pension pot over the allowed limit
From the 6th April 2018, doctors and dentists who have more than £1,030,000¹ in their pension pot are very likely…
It’s all about the charges! The cost of advice and investing
Do you know how much you’re being charged for financial advice and investing? Legally, financial advisers and providers must give…
Buying a holiday home: A waste of money but I want one!
There are so many things in life that are better rented than owned – skis, boats, jacuzzis. Surely holiday homes…
Who gets paid more: a doctor or a dentist?
From a purely monetary perspective, have you ever thought “would I have been better off training as a doctor or…
An important NHS Pension deadline looms
The deadline to elect for NHS Pensions’ Scheme Pays is only a few weeks away. If you miss it, you…
Clinical Excellence Awards: What you need to know
Loved and loathed, Clinical Excellence Awards (CEAs) are awarded to consultants and academic GPs who perform ‘over and above’ what…
Budget 2016: The changes that affect doctors and dentists
We have cut through the swathes of Budget 2016 articles to bring you a short update on the matters that…
How much is ‘enough’ to stop working?
Apparently we’re living longer but not necessarily enjoying good health in old age. Pension schemes, including the NHS Pension Scheme,…
2015 NHS Pension: 5 details you need to know
On the 1st April 2015, 75%* of existing NHS employees and all new NHS Pension members will join the new…