Retirement and Partial Retirement Planner
HTML edition updated 9 September 2026. This is an educational planning aid, not an official application form or individual advice.
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Use brief, non-identifiable notes only. Do not enter patient, colleague, employer-confidential, legal-case or personal financial details. Nothing entered here is sent to the publication or saved automatically. Closing or reloading the page clears entries. Use a trusted device and print only material you can store safely.
CONTRACTS, PAY & PENSIONS · PRACTICAL WORKBOOK
Retirement and Partial Retirement Planner
Coordinate pension options with a safe and sustainable later-career job
✓ Six structured review stages
✓ Private writing space
✓ Contract, confidentiality and advice safeguards
Prepared for SAS, locally employed and other UK doctors
Author: Dr N Aziz
Before you write
Use a trusted device or paper copy. Keep personal financial material secure. Do not copy patient-identifiable or unauthorised employer information. Nothing is sent to SAS Doctors Review.
1. Desired future
Use factual language. Identify the document, date, owner and action needed.
2. Official data
Use factual language. Identify the document, date, owner and action needed.
3. Employment plan
Use factual language. Identify the document, date, owner and action needed.
4. Financial advice
Use factual language. Identify the document, date, owner and action needed.
5. Service continuity
Use factual language. Identify the document, date, owner and action needed.
6. Decision control
Use factual language. Identify the document, date, owner and action needed.
Action summary
Sources and disclaimer
Use the current contract, national terms, pay circular, pension scheme rules and tax-year guidance. Obtain individual BMA, union, legal, tax or regulated financial advice where needed.
Independent general education
This workbook cannot determine contractual entitlement, calculate pay, tax or pension benefits, stop a legal deadline or recommend an irreversible financial decision.