Legal & Medical Investments is a team of over 25 Independent Financial Advisers (IFAs) who provide specialist financial advice and wealth management services specifically to medical and dental professionals living and working in the UK.
Kirsty has been a financial adviser since 1998, starting her career with Medical Sickness. She opted to maintain her medical and dental speciality and became a fully independent financial adviser on joining Legal & Medical Investments in 2004, where she is both an IFA and has shared responsibility for editing the company newsletter.
Kirsty holds the Diploma for Financial Advisers (DipFA®), the Mortgage Advice Qualification (MAQ) and the Financial Planning Certificate (FPC®) qualifications. She also continues to study for financial exams to ensure her knowledge is up-to-date and her expert financial advice is pertinent to her clients’ needs.
Outside of work, Kirsty loves being with her two daughters and keeping fit by running, helping to run and coach at the local junior netball club, skiing with greater enthusiasm than skill, and taking long dog walks. She also loves travelling and spending time with family and friends.
You’ll never hear Kirsty say: No more Green & Blacks for me thanks. I don’t really like the stuff!
Scroll down to see Kirsty’s most recent blog posts.
Student finance has changed significantly in recent years, so even if you’ve supported an older child through the process, don’t…
The 2026/27 tax year arrives against a worrying global economic backdrop, which threatens a more stable domestic economic outlook. As…
You know how annoying it is when you become an adult and realise your parents really were right and their…
We are already several weeks into the New Year. The festive break feels like a distant memory, work has resumed…
In the UK, charitable giving at Christmas can be both financially savvy, thanks to generous tax reliefs such as Gift…
As the dust settles following your recent rotation, now is the perfect time to take a breath, take stock of…
With the latest NHS pay awards now confirmed, it’s a good time to review how these changes could affect both…
Managing your NHS pension can feel overwhelming, especially when unexpected figures appear on your statement, like a negative pension input…
It’s a sobering thought, working well into your late 60s. When I ask clients when they hope to retire, the…
The current annual allowance and Remedial Pension Savings Statement (RPSS) process has become a source of widespread confusion for many….
The 2024/25 tax year-end is fast approaching, so it’s the perfect time to review your Individual Savings Account (ISA) and…
When planning Inheritance Tax (IHT) most people rapidly turn to gifting. While this can be a useful option, generally, you…
As the tax year-end approaches, it’s easy to feel overwhelmed and think it’s too late to ensure you have utilised…
Picture this scene – it’s the first Monday back at work in 2025, January 6th, and I’m driving to a…
Anyone working in the NHS must be adept at managing change, but even the most skilled professionals may have felt…
Research by Will Aid has found only half of UK adults have made a will and shockingly over two-thirds of…
October 2024 is a crucial period due to the McCloud Remedy re-calculations which could potentially impact your Annual Allowance. The…
If you’re a shareholder of a private limited company, traditionally spreading the ownership and therefore dividends around the family offered…
The recent 0.25% drop in the Bank of England base rate made on 1st August was far from a foregone…
Thanks to various tax benefits available in the UK, charitable giving can be a financially savvy decision. Regardless of whether…
Recently, several clients have mentioned trying to dissuade their children from following in their career footsteps. This prompted me to…
At first glance leasing a car through NHS Fleet Services looks attractive. As an NHS professional, you could get a…
With the recent focus on NHS pension scheme changes, doctors and dentists may still need to catch up on some…
It was not an exciting, surprise-packed budget. However, the budget did bring some good news for many while leaving other…
It’s confirmed! Over 1 million members, deferred members and pensioners of the NHS pension scheme are affected by the McCloud…
Spring is approaching, and for many, this time of year signifies a pivotal time to buy or sell your home….
We have covered death in service benefits in the NHS pensions scheme in previous articles, but what happens to your…
You have probably heard about your NHS Total Reward Statement (TRS), but are you unsure what it actually represents? You…
In 2022, the estimated cost of raising a child from birth to age 18 was a massive £202,660. If you…
As discussed in a previous article the NHS pension scheme is changing their partial retirement options available. As always with…
Before our minds focus on enjoying the summer, there is an important NHS pension deadline fast approaching, a deadline many…
If the NHS pension scheme was a fictional organisation in a TV drama, I am sure the current plot with…
As of April 2023, it is proposed that members of the 1995 and 2008 sections of the NHS pension scheme…
Finally, we have some good news about your NHS pension scheme and annual allowance, as the government is expected to…
Most NHS pension scheme members are aware of the McCloud Remedy and the government’s decision to remove age discrimination to…
The NHS has confirmed over 2800 NHS pension scheme statements have been identified as having errors. The error affects statements…
Normally, with a new tax year comes a feeling of renewed optimism, however, I sense this year things are different….
As the details of the McCloud Remedy continue to unfold, we analyse the effects the government reforms have on your…
What age is classed as early retirement? Once upon a time, there was only one NHS pension scheme and this…
As a doctor or dentist in hospital service or an NHS practice, mortgages are relatively simple to arrange. New job…
If you just answered yes to that question, chances are you are female. There are many great aspects about a…
Most NHS pension scheme members focus on the retirement fund that comes with their pension. But did you know that…
With the Budget firmly on everyone’s mind, we pick out the key headlines with relevance to financial planning. More detailed…
Knowing which section of your NHS pension scheme you are a member of is important; 1995, 2008 or the 2015…
Never has a generation been so united with one Christmas wish – a world without Covid! Finally, we see glimmers…
Many of our clients have had their finances brought into sharp focus by recent global events. I don’t think there…
Christmas is a time of joy, the season for giving and spoiling our children with gifts. There’s nothing better than…
As a doctor or dentist, your career is spent caring for patients in ill health or after an accident. But…
As you frantically try to finish off work, put the dog into kennels, fling swimsuits, flip-flops and an array of…
Applying for a mortgage is reasonably straightforward for most NHS doctors and dentists. But what if you are a locum?…
As the deadline for the filing of our tax returns thunders towards us, hopefully you can smile slightly smugly knowing…
There are few sentences I find more terrifying when uttered by my big sister than “Please don’t buy me a…
What doctor or dentist doesn’t find the better, more varied work/life balance of part-time working enticing? Of course one of…
Being a locum has many advantages. Greater flexibility, autonomy and variety, but there are some disadvantages too. Peaks and troughs…
With the recent changes to both the lifetime and annual pension allowances, it’s imperative that medics of all ages get…
