Doctors and Medical Professionals
Pension funding, private practice income and locum structuring for medics.
Medical careers create tax problems other professions never see: pension funding limits, mixed public (HSE) and private income, and locum work. We handle the specifics: income structure, reliefs and pension planning, worked out well before your return is due.
What we handle
06 itemsPension planning: funding limits and retirement relief
Mixed income: HSE and private practice earnings reconciled
Locum work: consultancy and locum income structured
Structure: sole trader vs limited company, decided on the numbers
Form 11: the personal income tax return filed
Reliefs: expenses, capital allowances and retirement planning
What you should know
Medicine creates tax questions most professions never face. Consultants often earn through a mix of HSE salary and private practice income, which have to be reported and structured correctly; GPs frequently run a practice as a business in its own right; and locum work adds another layer again. A strong year can turn into a preliminary-tax shock if none of it has been planned for.
Pensions are where the biggest reliefs sit, and where the limits bite. Contributions attract tax relief up to age-related percentage limits, and the Standard Fund Threshold, the cap on a tax-relieved pension pot, rose to €2.2 million in 2026 and is set to climb in steps to €2.8 million by 2029, so timing matters, particularly later in a career. We handle the Form 11, the practice structure and the pension planning together, so retirement decisions get made on your schedule, not under year-end pressure.
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