Dinesh Bharwani (NHS Pension Specialist)

Chartered Financial Planner-NHS Pension Specialist (life time and annual allowance issues) These views are my own, and does not constitute financial advice.

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Nice to hear today that for the 2nd year running, I have made it into the Vouchedfor Top-Rated Financial Adviser report, which appears in The Times each year. Thank you to my new clients in 2022 for all your fantastic reviews; I wouldn't have made it without you! #pensions

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

The US is in a higher-interest-rate environment, and it's finally good to be a saver again, but saving isn't quite as safe as it used to be https://t.co/rqRQurRC7L

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Moved between NHS Scotland and NHS England?

Your NHS pension may not automatically follow you.

The two NHS pension schemes are separate, so you could have pension benefits recorded under both.

If you've moved, check your pension records, transfer options and any applicable deadlines.

Approver: Quilter Financial Services Limited – September 2026

#NHSPension #NHS #PensionPlanning #WealthGenius

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

American, Delta and United will treat you like royalty at the airport with a personal escort, lounge access and more. https://t.co/tyOavp8C8P

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

📢 You’re Invited – Free NHS Pension Webinar

Wealth Genius is pleased to invite you to:
“Your Pension, Your Estate: What NHS Professionals Need to Know”

Join us for an informative session covering NHS Pension updates and Inheritance Tax planning, with insights from:

- John Wolley – Inheritance Tax & Estate Planning
- Dinesh Bharwani – NHS Pension Updates

📅 Thursday, 24 September
🕢 7:30 pm
💻 Online | Free to attend
There will also be an opportunity to ask questions during the session.

👉 Register here:
https://t.co/8uqhRQjFm8

We look forward to seeing you there.
Wealth Genius – Your local trusted guide.

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Have you got income left over after covering your lifestyle?

Our latest video explains Excess Income Trusts and how regular gifts from surplus income may potentially form part of your Inheritance Tax and estate planning.

🎥 Watch here:
https://t.co/qSWIH1uD6b

General information only. Tax treatment depends on individual circumstances.

Approver: Quilter Financial Services Limited – September 2026

#InheritanceTax #EstatePlanning #ExcessIncomeTrust #WealthGenius

[Bank of England @bankofengland]

The Monetary Policy Committee voted 6-3 to keep the interest rate at 3.75%.

Find out more:
https://t.co/GHHt7QdrbF

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Is $3 million enough to retire? Retirement preparedness requires more than savings. Learn why your resources must be able to support the life you're planning. https://t.co/uyjc95c4bP

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Data centres impose massive costs on the power system, of that there is no doubt – but do they pay enough to compensate? https://t.co/r8utzQ84Md

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Apple’s event puts new CEO John Ternus in focus as investors watch whether he will make decisions Tim Cook would not and shift Apple’s strategy in the AI era. https://t.co/2u2xgX8OWe

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Share sales at OpenAI and Anthropic minted hundreds of millionaires. They’re splurging on computer hardware and espresso machines. https://t.co/8fXAPxbSv9

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

🏦 Could Next Week Change Your Mortgage Decisions?

📅 16 Sept – UK inflation figures
📅 17 Sept – Bank of England rate decision
Bank Rate is currently 3.75%, while July CPI inflation was 2.9%.

If your mortgage deal is ending soon, don't rely solely on the hope of a future rate cut. Review your options based on what's available today.

Approver: FRN 440703

#BankOfEngland #MortgageRates #InterestRates #WealthGenius

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

𝐀𝐧𝐨𝐭𝐡𝐞𝐫 𝐟𝐢𝐯𝐞-𝐬𝐭𝐚𝐫 𝐫𝐞𝐯𝐢𝐞𝐰 𝐰𝐞’𝐫𝐞 𝐩𝐫𝐨𝐮𝐝 𝐭𝐨 𝐬𝐡𝐚𝐫𝐞 ⭐

"𝐖𝐞𝐚𝐥𝐭𝐡 𝐆𝐞𝐧𝐢𝐮𝐬 continues to deliver clarity and confidence to our clients

— your feedback keeps us going!”

Click here to add your review -

>>> https://t.co/3R7I1BSubO
>>>https://t.co/vNrud7TeSd

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

What an excellent event! 👏
A great afternoon of discussion around pension legislation, IHT, trusts, investment strategies and NHS Pension McCloud Phase 2 & Buy Back Options.
Thank you to Ash Kapasi, Dinesh Bharwani and everyone who joined us.
Wealth Genius – Your local trusted guide.
Approver: FRN 440703
#NHSPension #McCloudRemedy #PensionPlanning

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

The government bond market is freaking out again, so should you be worried? https://t.co/So1dbPRONv

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Foreign investment in US bond market has been a boon for Americans, but they are vulnerable to a change in sentiment https://t.co/2UgX3spyml

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Despite plans to scrap the lifetime Isa, experts still advise you open one now and not wait for the new first-time buyer account to launch. https://t.co/9TUJj4aWFO

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

📢 McCloud Remedy Update

Updated NHS Pension timelines currently indicate:
📅 Dec 2027 – Some retired members may receive their remedy choice
📅 Jun 2030 – Further retired members may receive their remedy choice
📅 Mar 2027 – RPSS expected for active & deferred members due one

At Wealth Genius, we continue supporting healthcare professionals with NHS Pension guidance.

#McCloudRemedy #NHSPensionScheme #NHSPensionAdvice #DoctorsUK #GPsUK #WealthGenius

The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Approver: FRN 440703

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

𝐏𝐚𝐫𝐭𝐢𝐚𝐥 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭: 𝐖𝐨𝐫𝐤 𝐋𝐞𝐬𝐬, 𝐑𝐞𝐭𝐢𝐫𝐞 𝐌𝐨𝐫𝐞
Partial retirement allows NHS Pension Scheme members to take part of their pension while continuing to work. It can provide more financial freedom and a smoother transition into retirement — but it comes with rules, forms, and deadlines.

𝐖𝐞𝐚𝐥𝐭𝐡 𝐆𝐞𝐧𝐢𝐮𝐬 supports NHS professionals by guiding you through the process — from understanding eligibility to completing the AW8 form and aligning retirement planning with your long-term goals.

🎥 𝐖𝐚𝐭𝐜𝐡 𝐨𝐮𝐫 𝐯𝐢𝐝𝐞𝐨 𝐟𝐨𝐫 𝐜𝐥𝐞𝐚𝐫 𝐢𝐧𝐬𝐢𝐠𝐡𝐭𝐬 𝐨𝐧 𝐡𝐨𝐰 𝐍𝐇𝐒 𝐩𝐚𝐫𝐭𝐢𝐚𝐥 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐰𝐨𝐫𝐤𝐬 𝐚𝐧𝐝 𝐡𝐨𝐰 𝐢𝐭 𝐜𝐨𝐮𝐥𝐝 𝐬𝐡𝐚𝐩𝐞 𝐲𝐨𝐮𝐫 𝐟𝐮𝐭𝐮𝐫𝐞.
https://t.co/wU7WvDfJ9O

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

You deserve a future that gives you a “face pressed up against the glass” moment. https://t.co/G6DySBlhsX

[Dinesh Bharwani (NHS Pension Specialist) @DB_Wales]

Rising Treasury yields are raising debt and stock market concerns, but history suggests higher rates are not yet a market crisis. https://t.co/pmMETMmnqK