A clear path from enquiry to the right medical finance expert
Built specifically for medical professionals, PMF helps doctors and other clinicians organise their finances in a safe, professional environment and get matched with the adviser best suited to their career stage, goals, and current priorities.
Confidential • No obligation • Takes 2 minutes • Matched to FCA-regulated advisers
Financial clarity for medical careers
matched to the right specialist adviser
FCA-regulated
advisers in our network
Specialist
medical-finance focus
Free
no-obligation matching
Confidential
your data stays protected
A stronger financial foundation for every stage of a medical career
We give doctors and other medical professionals a simple, clear path to the right FCA-regulated adviser for NHS pensions, private income, changing career stages, and long-term planning. PMF matches you to an adviser — the advice itself is provided by that regulated firm.
Start with a short questionnaire and we will match you with an FCA-regulated adviser suited to your needs.
We give doctors and other medical professionals a simple, clear path to the right FCA-regulated adviser for NHS pensions, private income, changing career stages, and long-term planning. PMF matches you to an adviser — the advice itself is provided by that regulated firm.
A simple path from enquiry to the right adviser
An adviser match reviewed as your career changes
Advisers experienced with medical students, junior doctors, registrars, consultants, and private practice
A safe, professional environment, matched to FCA-regulated advisers
Built around medical careers
PMF was created to solve a common problem: highly qualified people were still being forced through generic financial journeys that ignored the realities of medical careers. The platform is designed to help medical professionals create a great financial foundation with specialist support that reflects how their careers actually develop.
Starting with your free Financial Health-Check
From protection to retirement, we help you make confident decisions across the areas that matter most.
Income Protection
Critical Illness Cover
Mortgages, including Islamic mortgages
Savings & Investments
Wealth Planning
Tax Planning
Retirement Planning
Built specifically for medical professionals by medical professionals
PMF is designed to create a safe and professional environment where doctors and other medical professionals can organise their finances with support from FCA-qualified advisers delivering solutions crafted to their needs and career stage.
Intelligent specialist routing
One enquiry. The right expert. First time. We review your goals, career stage, and financial context so pensions go to pension specialists, mortgages go to medical mortgage specialists, and wealth or tax needs reach the right senior adviser.
Medical professionals matched to the right specialist adviser
A professional voice focused on helping junior colleagues build strong financial foundations
Professor Tom Cosker's role in PMF is to reinforce a simple principle: talented medical professionals should not have to navigate major financial decisions in a generic system. The experience is designed to help junior colleagues build a stronger foundation early, then access more specialist support as their careers progress.
The aim is to give medical professionals a clearer, safer starting point so they can organise their finances properly and take action earlier.
A professional environment built around medical careers
A focus on helping junior colleagues create a strong financial base
A clearer path into specialist advice when complexity increases
Built for medical professionals
Doctors, dentists, consultants, GPs, locums, and practice owners all face different financial decisions. The specialists in our network understand the contracts, pension schemes, and income patterns behind those decisions.
Regulated, reviewed, trusted
Every adviser is FCA-regulated. Matches are monitored, satisfaction is tracked, and quality is part of the operating model rather than a marketing claim.
A faster route to the right help
Tell us what you need and we connect you to the right specialist quickly. Most matches are completed within one working day.
What do you need help with?
Select what matters most. We will handle the routing.
Your information is confidential and will never be shared without your consent.
5 short steps
Built to gather only the context a medical specialist adviser actually needs.
FCA-regulated routing
Your answers are reviewed before you are matched, not sent to a generic lead list.
Restore where you left off
If the modal closes, your progress is restored when you reopen it on the same device.
Response within 24 hours
Most completed enquiries receive a personalised next-step summary within one working day.
Recognise your situation. Find your specialist.
Each service route is designed around the realities of medical careers rather than generic financial planning.
The benefits of regular saving
Little and often for a greater reward.
In the world of investment, timing is everything.
But, despite claims to the contrary, no one can predict what the market will do and when. This makes it difficult to decide, not only when to invest, but also when to pull out. However, by saving regularly, investors can benefit from what is known as 'pound cost averaging'.
Compared with putting a large lump sum in the market at a single price, which may or may not be the top of the market, regular saving mitigates the risk by putting in smaller sums at a variety of prices.
In a rising market, regular savings would underperform the growth of a single lump sum as the later investments would miss out on the early growth. However, in a volatile or falling market, the opposite is true. Later investments buy in at lower or alternating prices and therefore gain more when the market finally rises.
Regular saving can be a manageable way to build up a lump sum over time. Putting aside £50 or £100 a month can be achieved with relatively little sacrifice and may build up over the months, and it can be a way to begin investing gradually. As with any investment, the value can fall as well as rise and returns are not guaranteed.
With only smaller amounts going in each month, the short-term ups and downs of markets will have less impact on your portfolio overall.
A calmer way to start
For busy medical professionals, regular saving can be a practical way to start investing without waiting for the perfect market moment or committing a large lump sum all at once. Capital at risk: the value of investments can fall as well as rise and you may get back less than you invest. This is general information, not personal advice — speak to a regulated adviser before investing.
Reduces the risk of investing everything at a single market price
Builds momentum through manageable monthly contributions
Smooths the effect of short-term market volatility over time
Covering your income
Income protection exists for the moment your earnings stop but your life expenses do not.
Limited savings can leave households exposed very quickly
Mortgage commitments and family costs do not pause when work stops
Income protection and critical illness cover can help protect long-term plans
Many households would struggle within weeks if their income suddenly disappeared.
Research into the UK's protection gap has suggested that half the population could be left without money within a month if their income dried up. The same research indicates that many people hold very limited savings or investments and would find it difficult to cope if they were unable to work.
Just 45% of people have any form of protection insurance in place to cover their main income if it is taken away, and only around a third believe they have enough provision to cover their mortgage.
Estimates have suggested that average monthly household expenditure is around £450, yet 49% of people have less than £1,000 saved and 72% save less than £100 a month.
Despite that, many still expect to meet future costs such as funeral expenses and children's education without having additional provision set aside.
Products such as income protection and critical illness cover are designed to provide financial support if illness, injury, or serious diagnosis prevents normal work. While some people remain reluctant to invest in these products, the risk of doing nothing can be far more expensive.
Protection should reflect your real risk
For medical professionals, the right cover should take account of NHS benefits, sick pay, private income, dependants, and the gap between what you assume is covered and what actually is.
A simple path from enquiry to adviser contact
Three deliberate steps from first visit to the right specialist conversation.
Step 1
Guided processShare what you need
Pensions, protection, mortgages, tax planning, or not sure yet. Our short questionnaire gets enough context to route you intelligently in under two minutes.
No obligation
Medical-career focused
Short, relevant, and built for medical careers.
Your main concern, career stage, and relevant context
Pensions, protection, mortgages, tax planning, or not sure yet
Only the detail needed to route you intelligently
Your answers are reviewed against specialist fit, not dropped into a generic lead queue.
You answer once. We use that context to route intelligently.
Step 2
Guided processWe find your match
Your enquiry is reviewed against career stage, service need, and specialist fit, so you speak to the right adviser rather than the nearest generic contact form.
Specialist review
FCA-regulated routing
Clear next step
We identify the adviser or partner best suited to the issue you actually need help with.
Reviewed by service need, career stage, and case complexity
Handled by a specialist team with medical-finance context
Built to avoid generic advice and wasted conversations
We identify the adviser or partner best suited to the issue you actually need help with.
You do not need to work out the specialist fit yourself.
Step 3
Guided processConnect with your specialist
You speak with someone who understands NHS pensions, locum contracts, and the realities of medical careers, usually within one working day.
Average response: 24 hours
Tailored guidance
Built for doctors
A faster route to the right help, with less repetition and fewer dead-end conversations.
You speak with a specialist who understands medical careers
The conversation starts with your specific need, not a blank slate
Most matches move forward within one working day
A faster route to the right help, with less repetition and fewer dead-end conversations.
Clear direction, then the right conversation.
Ready to find your specialist?
Join the medical professionals matched to the right FCA-regulated adviser through Professional Medical Financial.
Confidential, no obligation, and built to take under two minutes.
Ready to start your financial plan?
Take the first step toward a stronger financial foundation and we will match you with the specialist who fits your medical career and current priorities.
Free initial review. No obligation. Confidential.
Confidential
No obligation
FCA-regulated
The questions you are already asking yourself
No corporate waffle. Just honest answers to the things that matter before you trust someone with your financial future.
You tell us what is going on. A specialist team reviews your needs, career stage, and context, then routes you to the adviser or partner best suited to that problem.
Yes — matching is free to you and carries no obligation. PMF is paid by the adviser firms in our network when we introduce a client to them [confirm/adjust remuneration wording with compliance]; this never adds a cost to you. If you go on to take regulated advice, that adviser explains their own fees up front before you proceed.
Yes. Every adviser we introduce you to is regulated by the Financial Conduct Authority and vetted for specialist medical-finance capability. PMF itself is an introducer, not a financial adviser, and does not provide regulated advice.
That is common. The triage flow exists precisely for that situation. If you are unsure, we help narrow the problem down before making a match.
No. The network is built for medical professionals more broadly, including dentists, GPs, locums, consultants, trainees, and practice owners.
Yes. The point of the routing model is that each enquiry goes to the right specialist rather than one adviser trying to cover everything.
Still have questions? Start a match and your specialist can answer everything else.