Wendy Baillie

speaker

482 appearances 3 recordings 1 series first heard Jun 2026 last heard 11 Aug

Wendy Baillie’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 3 in all, peaking in Jun 2026 with 2.

Appearances

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Talking General Practice · GP Money Matters: GP career trends and financial planning · 30 Jun 2026 podcast

All of that stuff.

It's really difficult to answer those questions yourself without sitting with somebody who knows about it and is able to ask the personal questions and and actually figure out

where you're going to be most comfortable, where your money's going to be balanced.

And also hand in hand with that goes your safety nets.

You can't really go and plan for the future if you're not planning for the what-ifs.

And that's really important for our GPs as well, is that they've got the right safety nets in place so that if life throws something at them from left field, then they are protected with that.

And people don't generally think about that.

And so that's something that that everybody needs help with, we find, because you don't sit around your dining room table and say to your partner or your family, Okay, so if I die tomorrow

This is the situation that you would be in.

Nobody does that.

And so that is one of the a wee bit doom and gloom, but that is one of the sides of the job of a financial advisor is to go, okay, so

Yes, so the obvious one there is is the NHS pension and pension membership and pensionable pay because remember that's what drives the pension largely that you'll get out at the end of the day.

And if you go and look at a portfolio career, then you might find that the other job that you're going to go and do won't give you access to the NHS pension and remember it's a gold standard pension scheme, it's the envy of the private sector.

And so

You might then find that your pensionable earnings for the NHS pension drop right down and you're having to look at, well, what else can I do to make up that gap?

And what capacity do I have to make up that gap?

And also there's things like what happens if you're unwell and you're unable to go to work?

If you're used to being a GP partner, then you're kind of in control of that to a certain extent because you've got a partnership agreement and that tells

How long you can draw your net profits for until your partnership agreement is dissolved, and you're quite clear on that.

Whereas if you go and do, for example, some lecturing work or some clinical lead, then your sick pay benefits might need negotiated and they might be less generous than you're used to as a GP partner.

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