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  <title>Barnaby Cecil NHS Pensions Podcast</title>

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  <copyright>© 2026 Barnaby Cecil NHS Pensions Podcast</copyright>
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  <description><![CDATA[The Barnaby Cecil NHS Pensions Podcast is designed to address the complexities of the NHS pension scheme to help senior medics and scheme members in general feel clearer about their options before retirement and beyond.]]></description>
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    <itunes:title>NHS Pensions Podcast - Episode 15</itunes:title>
    <title>NHS Pensions Podcast - Episode 15</title>
    <itunes:summary><![CDATA[Tom reviews the new "It doesn't pay to stay" BMA Peri-Retirement Modeller and talks through the key financial planning implications for you.   Listen with the sound slightly lower due to a mic error when recording. ]]></itunes:summary>
    <description><![CDATA[<p>Tom reviews the new &quot;It doesn&apos;t pay to stay&quot; BMA Peri-Retirement Modeller and talks through the key financial planning implications for you.  </p><p>Listen with the sound slightly lower due to a mic error when recording.</p>]]></description>
    <content:encoded><![CDATA[<p>Tom reviews the new &quot;It doesn&apos;t pay to stay&quot; BMA Peri-Retirement Modeller and talks through the key financial planning implications for you.  </p><p>Listen with the sound slightly lower due to a mic error when recording.</p>]]></content:encoded>
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    <pubDate>Fri, 15 Apr 2022 12:00:00 +0100</pubDate>
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    <itunes:title>NHS Pensions Podcast - Episode 14</itunes:title>
    <title>NHS Pensions Podcast - Episode 14</title>
    <itunes:summary><![CDATA[McCloud is here! The biggest reform to NHS pensions for a decade. What does it mean for you, your retirement plans and what should you do? ]]></itunes:summary>
    <description><![CDATA[<p>McCloud is here! The biggest reform to NHS pensions for a decade. What does it mean for you, your retirement plans and what should you do?</p>]]></description>
    <content:encoded><![CDATA[<p>McCloud is here! The biggest reform to NHS pensions for a decade. What does it mean for you, your retirement plans and what should you do?</p>]]></content:encoded>
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    <pubDate>Fri, 01 Apr 2022 09:00:00 +0100</pubDate>
    <itunes:duration>1739</itunes:duration>
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    <itunes:title>NHS Pensions Podcast - Episode 13</itunes:title>
    <title>NHS Pensions Podcast - Episode 13</title>
    <itunes:summary><![CDATA[What happens when things go wrong? Tom talks through the sick pay and death benefits linked to the pension and reviews the best ways to insure yourself.   ]]></itunes:summary>
    <description><![CDATA[<p>What happens when things go wrong? Tom talks through the sick pay and death benefits linked to the pension and reviews the best ways to insure yourself.  </p>]]></description>
    <content:encoded><![CDATA[<p>What happens when things go wrong? Tom talks through the sick pay and death benefits linked to the pension and reviews the best ways to insure yourself.  </p>]]></content:encoded>
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    <pubDate>Fri, 12 Nov 2021 09:00:00 +0000</pubDate>
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    <itunes:title>NHS Pensions Podcast - Episode 12</itunes:title>
    <title>NHS Pensions Podcast - Episode 12</title>
    <itunes:summary><![CDATA[Supersize ME. Tom talks through the different income strategies available to NHS Pension Scheme Members who want to increase their income in retirement.   ]]></itunes:summary>
    <description><![CDATA[<p>Supersize ME. Tom talks through the different income strategies available to NHS Pension Scheme Members who want to increase their income in retirement.  </p>]]></description>
    <content:encoded><![CDATA[<p>Supersize ME. Tom talks through the different income strategies available to NHS Pension Scheme Members who want to increase their income in retirement.  </p>]]></content:encoded>
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    <itunes:author>Tom Skinner and Emma Walker</itunes:author>
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    <pubDate>Fri, 22 Oct 2021 09:00:00 +0100</pubDate>
    <itunes:duration>1683</itunes:duration>
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    <itunes:title>NHS Pensions Podcast - Episode 11</itunes:title>
    <title>NHS Pensions Podcast - Episode 11</title>
    <itunes:summary><![CDATA[How good is good? Everyone says the NHS pension is a good pension. But, maybe "good" is in fact excellent? Or maybe "good" isn't quite as good as you thought? Tom crunches the numbers for medics born between 1961 to 1991.  ]]></itunes:summary>
    <description><![CDATA[<p>How good is good? Everyone says the NHS pension is a good pension. But, maybe &quot;good&quot; is in fact excellent? Or maybe &quot;good&quot; isn&apos;t quite as good as you thought? Tom crunches the numbers for medics born between 1961 to 1991. </p>]]></description>
    <content:encoded><![CDATA[<p>How good is good? Everyone says the NHS pension is a good pension. But, maybe &quot;good&quot; is in fact excellent? Or maybe &quot;good&quot; isn&apos;t quite as good as you thought? Tom crunches the numbers for medics born between 1961 to 1991. </p>]]></content:encoded>
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    <itunes:author>Tom Skinner and Emma Walker</itunes:author>
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    <pubDate>Fri, 08 Oct 2021 09:00:00 +0100</pubDate>
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    <itunes:title> NHS Pensions Podcast - Episode 10</itunes:title>
    <title> NHS Pensions Podcast - Episode 10</title>
    <itunes:summary><![CDATA[Should I stay or should I go? Tom talks about the implications if you decide to leave the NHS Pension Scheme and how this decision sits in the context of wider Financial Planning issues.  ]]></itunes:summary>
    <description><![CDATA[<p>Should I stay or should I go? Tom talks about the implications if you decide to leave the NHS Pension Scheme and how this decision sits in the context of wider Financial Planning issues. </p>]]></description>
    <content:encoded><![CDATA[<p>Should I stay or should I go? Tom talks about the implications if you decide to leave the NHS Pension Scheme and how this decision sits in the context of wider Financial Planning issues. </p>]]></content:encoded>
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    <pubDate>Fri, 24 Sep 2021 09:00:00 +0100</pubDate>
    <itunes:duration>1157</itunes:duration>
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    <itunes:title>NHS Pensions Podcast - Episode 9</itunes:title>
    <title>NHS Pensions Podcast - Episode 9</title>
    <itunes:summary><![CDATA[A job for life? In the episode Tom talks to his brother, Ally Skinner. Ally has worked in multiple healthcare roles before leaving London for the South Downs.  They discuss Ally's career to date and what he can expect from his pension. ]]></itunes:summary>
    <description><![CDATA[<p>A job for life? In the episode Tom talks to his brother, Ally Skinner. Ally has worked in multiple healthcare roles before leaving London for the South Downs. </p><p>They discuss Ally&apos;s career to date and what he can expect from his pension.</p>]]></description>
    <content:encoded><![CDATA[<p>A job for life? In the episode Tom talks to his brother, Ally Skinner. Ally has worked in multiple healthcare roles before leaving London for the South Downs. </p><p>They discuss Ally&apos;s career to date and what he can expect from his pension.</p>]]></content:encoded>
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    <itunes:author>Tom Skinner and Emma Walker</itunes:author>
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    <pubDate>Sat, 20 Mar 2021 08:00:00 +0000</pubDate>
    <itunes:duration>2125</itunes:duration>
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    <itunes:title>NHS Pensions Podcast - Episode 8 </itunes:title>
    <title>NHS Pensions Podcast - Episode 8 </title>
    <itunes:summary><![CDATA[NHS Pension Budget 2021 Special. This time Tom is joined by Financial Planner and specialist adviser Kaye Price, owner of KP Financial Wellbeing, which is part of the St James's Place group.   Tom and Kaye talk about all things pension-related post Budget but also, hear more about Kaye's focus to improve the lives of her clients and not just their finances.   Due to a technical issue with Tom's mic, some sections need to be re-recorded after and may sound off-key.  ]]></itunes:summary>
    <description><![CDATA[<p>NHS Pension Budget 2021 Special. This time Tom is joined by Financial Planner and specialist adviser Kaye Price, owner of KP Financial Wellbeing, which is part of the St James&apos;s Place group. <br/><br/>Tom and Kaye talk about all things pension-related post Budget but also, hear more about Kaye&apos;s focus to improve the lives of her clients and not just their finances.  </p><p>Due to a technical issue with Tom&apos;s mic, some sections need to be re-recorded after and may sound off-key. </p>]]></description>
    <content:encoded><![CDATA[<p>NHS Pension Budget 2021 Special. This time Tom is joined by Financial Planner and specialist adviser Kaye Price, owner of KP Financial Wellbeing, which is part of the St James&apos;s Place group. <br/><br/>Tom and Kaye talk about all things pension-related post Budget but also, hear more about Kaye&apos;s focus to improve the lives of her clients and not just their finances.  </p><p>Due to a technical issue with Tom&apos;s mic, some sections need to be re-recorded after and may sound off-key. </p>]]></content:encoded>
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    <itunes:author>Tom Skinner and Emma Walker</itunes:author>
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    <pubDate>Fri, 12 Mar 2021 16:00:00 +0000</pubDate>
    <itunes:duration>2900</itunes:duration>
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    <itunes:title>NHS Pensions Podcast - Episode 7</itunes:title>
    <title>NHS Pensions Podcast - Episode 7</title>
    <itunes:summary><![CDATA[The guest this time is Laura Bowler, Founder of Pen-gage Ltd.   A pensions expert, Laura travels the country helping scheme members of all types of pensions understand their benefits and options at retirement.   In this episode, Tom and Laura discuss the recent McCloud Judgement and the huge implications it has for NHS members. ]]></itunes:summary>
    <description><![CDATA[<p>The guest this time is Laura Bowler, Founder of Pen-gage Ltd. <br/><br/>A pensions expert, Laura travels the country helping scheme members of all types of pensions understand their benefits and options at retirement. <br/><br/>In this episode, Tom and Laura discuss the recent McCloud Judgement and the huge implications it has for NHS members.</p>]]></description>
    <content:encoded><![CDATA[<p>The guest this time is Laura Bowler, Founder of Pen-gage Ltd. <br/><br/>A pensions expert, Laura travels the country helping scheme members of all types of pensions understand their benefits and options at retirement. <br/><br/>In this episode, Tom and Laura discuss the recent McCloud Judgement and the huge implications it has for NHS members.</p>]]></content:encoded>
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    <itunes:author>Tom Skinner and Emma Walker</itunes:author>
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    <pubDate>Tue, 02 Mar 2021 18:00:00 +0000</pubDate>
    <itunes:duration>2201</itunes:duration>
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    <itunes:title>NHS Pensions Podcast - Episode 6</itunes:title>
    <title>NHS Pensions Podcast - Episode 6</title>
    <itunes:summary><![CDATA[In this episode Tom talks to Dr Tommy Perkins, GP and co-Founder of Medics Money - a financial education and referral website for doctors who want specialist advice and support. Tommy talks about what wealth means to him and why, in an alternate life, he'd be found on the road or in a Little Chef. ]]></itunes:summary>
    <description><![CDATA[<p>In this episode Tom talks to Dr Tommy Perkins, GP and co-Founder of Medics Money - a financial education and referral website for doctors who want specialist advice and support. Tommy talks about what wealth means to him and why, in an alternate life, he&apos;d be found on the road or in a Little Chef.</p>]]></description>
    <content:encoded><![CDATA[<p>In this episode Tom talks to Dr Tommy Perkins, GP and co-Founder of Medics Money - a financial education and referral website for doctors who want specialist advice and support. Tommy talks about what wealth means to him and why, in an alternate life, he&apos;d be found on the road or in a Little Chef.</p>]]></content:encoded>
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    <itunes:author>Tom Skinner and Emma Walker</itunes:author>
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    <pubDate>Thu, 18 Feb 2021 13:00:00 +0000</pubDate>
    <itunes:duration>2675</itunes:duration>
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    <itunes:title> NHS Pensions Podcast - Episode 5</itunes:title>
    <title> NHS Pensions Podcast - Episode 5</title>
    <itunes:summary><![CDATA[Should I apply for a CEA? A question specialist NHS pension advisers get asked often.   In this episode, Tom talks to pension expert Graham Crossley, Head of Technical Development at Quilter Financial Adviser, about the award system and how it affects your pension.  ]]></itunes:summary>
    <description><![CDATA[<p>Should I apply for a CEA? A question specialist NHS pension advisers get asked often. <br/><br/>In this episode, Tom talks to pension expert Graham Crossley, Head of Technical Development at Quilter Financial Adviser, about the award system and how it affects your pension. </p>]]></description>
    <content:encoded><![CDATA[<p>Should I apply for a CEA? A question specialist NHS pension advisers get asked often. <br/><br/>In this episode, Tom talks to pension expert Graham Crossley, Head of Technical Development at Quilter Financial Adviser, about the award system and how it affects your pension. </p>]]></content:encoded>
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    <itunes:author>Tom Skinner and Emma Walker</itunes:author>
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    <pubDate>Fri, 12 Feb 2021 11:00:00 +0000</pubDate>
    <itunes:duration>1280</itunes:duration>
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    <itunes:title>NHS Pensions Podcast - Episode 4</itunes:title>
    <title>NHS Pensions Podcast - Episode 4</title>
    <itunes:summary><![CDATA[Emma and Tom are back with a review of everything you need to know to get on top of your 2019/20 Pensions Annual Allowance Charge Compensation application.  ]]></itunes:summary>
    <description><![CDATA[<p>Emma and Tom are back with a review of everything you need to know to get on top of your 2019/20 Pensions Annual Allowance Charge Compensation application. </p>]]></description>
    <content:encoded><![CDATA[<p>Emma and Tom are back with a review of everything you need to know to get on top of your 2019/20 Pensions Annual Allowance Charge Compensation application. </p>]]></content:encoded>
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    <pubDate>Mon, 21 Dec 2020 12:00:00 +0000</pubDate>
    <itunes:duration>1541</itunes:duration>
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    <itunes:title>NHS Pensions Podcast - Episode 3</itunes:title>
    <title>NHS Pensions Podcast - Episode 3</title>
    <itunes:summary><![CDATA[In this episode, Tom speaks to Ken Anson, consultant urological surgeon and reader in urology at St George's Hospital. Listen to Ken reflect on a career in healthcare, his best investment decision and his plans to learn a new skill post-surgery.  ]]></itunes:summary>
    <description><![CDATA[<p>In this episode, Tom speaks to Ken Anson, consultant urological surgeon and reader in urology at St George&apos;s Hospital. Listen to Ken reflect on a career in healthcare, his best investment decision and his plans to learn a new skill post-surgery. </p>]]></description>
    <content:encoded><![CDATA[<p>In this episode, Tom speaks to Ken Anson, consultant urological surgeon and reader in urology at St George&apos;s Hospital. Listen to Ken reflect on a career in healthcare, his best investment decision and his plans to learn a new skill post-surgery. </p>]]></content:encoded>
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    <itunes:author>Tom Skinner and Emma Walker</itunes:author>
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    <pubDate>Tue, 15 Dec 2020 06:00:00 +0000</pubDate>
    <itunes:duration>1781</itunes:duration>
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    <itunes:title>NHS Pensions Podcast - Episode 2</itunes:title>
    <title>NHS Pensions Podcast - Episode 2</title>
    <itunes:summary><![CDATA[This time Emma and Tom talk to Rachel Hall, Head of Financial Planning at Sandringham Medical, and get even more technical. We talk about the public service pension scheme consultation period, which closed on Sunday 9 October, and outline the government's proposals surrounding the changes to all schemes from 2022 Please take a listen here or send on to anyone you may feel would benefit. We appreciate it! ]]></itunes:summary>
    <description><![CDATA[<p>This time Emma and Tom talk to Rachel Hall, Head of Financial Planning at Sandringham Medical, and get even more technical.</p><p>We talk about the public service pension scheme consultation period, which closed on Sunday 9 October, and outline the government&apos;s proposals surrounding the changes to all schemes from 2022</p><p>Please take a listen here or send on to anyone you may feel would benefit. We appreciate it!</p>]]></description>
    <content:encoded><![CDATA[<p>This time Emma and Tom talk to Rachel Hall, Head of Financial Planning at Sandringham Medical, and get even more technical.</p><p>We talk about the public service pension scheme consultation period, which closed on Sunday 9 October, and outline the government&apos;s proposals surrounding the changes to all schemes from 2022</p><p>Please take a listen here or send on to anyone you may feel would benefit. We appreciate it!</p>]]></content:encoded>
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    <pubDate>Mon, 02 Nov 2020 16:00:00 +0000</pubDate>
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    <itunes:title>NHS Pensions Podcast - Episode 1</itunes:title>
    <title>NHS Pensions Podcast - Episode 1</title>
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    <pubDate>Mon, 10 Aug 2020 17:00:00 +0100</pubDate>
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