Case studies & testimonials
Real doctors.
Real results.
How doctors used Moneywise Doctor to cut tax, start investing with confidence and take control of their financial future.
35+
doctors share their stories
6
in-depth case studies
£250k+
invested by one Mastermind member
At a glance
What doctors achieved
Nobody teaches doctors how to manage what they earn. These are the results members reported in their own words.
£250k+
invested towards retirement
Dr Obi
£8,000
cut from a tax bill for 2022/23
Dr NA, NHS Consultant
£5,800
unnecessary HMRC repayment avoided
Dr Sharafaath Shariff
£3,500
saved refinancing a car loan from 14.9% to 5.8%
Mr Ola John, Surgeon
£1,300
owed back by HMRC after filing
Dr Setemi, GP
£9,000
of tax relief claimed across 5 tax years
Dr Ruth Akanni, NHS Psychiatry Doctor
Debt-free
and building a 6-month emergency fund
Dr Adaku Obilom, GP
4 weeks
from zero to confident investor
Dr Ezeagozie Okoli, NHS GP
£20,000
Savings ISA maximised, with a Stocks & Shares ISA ready
Dr Renuka Rangan, GP
Inside this page
01 · In-depth case studies
Six doctors, start to finish
Where each doctor started, what they actually worked on, and where they got to.
Case study 01 · Mastermind
From brown envelopes left unopened to a SIPP and real confidence.
RI
Dr Rita Isanedighi
GP Partner
Mastermind member
The pit
Tax and Pension Headaches
Dreaded brown envelopes, and practice accounts signed without reading them
“I used to leave every brown envelope unopened — it cost me fines and missed deadlines.”
Dr Rita Isanedighi, looking back
What she worked on
- Faced the paperwork she had been avoiding
- Requested her pension statement
- Learned to read what her accountant sends before signing
- Set up a SIPP, step by step
The peak
3 weeks
into the Mastermind, her confidence was already growing
“Now I have opened every letter, spoken to my accountant and pension team, and opened a SIPP with Andy guiding me.”
Dr Rita Isanedighi, GP Partner
Case study 02 · Mastermind
From every penny in a savings account to a SIPP, an ISA and a plan.
SS
Dr Sharafaath Shariff
Consultant Gastroenterologist, NHS
Joined March 2026
The pit
24%
Moneywise Doctor Scorecard, with 0% on investing. All her money sat in a savings account
“Before joining the Mastermind, I had no clue. I was being taxed on interest I never even took — and my tax code kept changing.”
Dr Sharafaath Shariff
What she worked on
- A SIPP, a Stocks & Shares ISA and her first ETFs
- Clear on how UK tax works for NHS doctors
- An accountant for her self assessment
- A plan for automated transfers
- Unnecessary subscriptions cancelled
- Next: protection cover and an emergency fund
The peak
£5,800
unnecessary HMRC repayment avoided, one her accountant had not flagged
“This knowledge can save us 100 times [what you] have charged us.”
Dr Sharafaath Shariff, Consultant Gastroenterologist
Case study 03 · Mastermind
From £100k+ lost and dreading HMRC to £250k+ invested.
AO
Dr Abiodun Obisesan
Doctor, UK
Joined October 2025
The pit
£100k+
already lost to poor investments, with unresolved tax problems
“My finances are in a mess and I need your help… I live in the dread of the HMRC.”
His first message to Andy, 7 August 2025
What he worked on
- Opened his ISA within two days of starting
- Shifted from running businesses to owning shares in companies
- Learned why a broad global index beats a US-only bet
- Six months of 1:1 and group sessions, step by step
The peak
£250k+
invested towards retirement since meeting Andy, on top of his NHS pension
“I think you singularly gave us direction for our attitude to retirement.”
After completing the Mastermind
Case study 04 · Mastermind
From waiting for “big money” to debt-free and building her safety net.
AO
Dr Adaku Obilom
GP, joined as a trainee near CCT
Joined January 2026
The pit
Debt
and a plan on hold, while she waited for “big money” before getting started
“I have always wanted control of my finances, life has just been lifing… I had been waiting for [big] money that has not come.”
Dr Adaku Obilom, October 2025
What she worked on
- Started £5 a week into her LISA straight after a free masterclass
- Money automated
- A trusted accountant for her tax return
- SIPP set up correctly
- A Junior ISA started
- Debt cleared first, before investing
The peak
Debt-free
and 2 months into a 12-month plan to build 6 months of emergency savings
“I am now debt free and 2 months into my 12m plan for building my 6months emergency fund.”
Dr Adaku Obilom, September 2026
Case study 05 · Mastermind
From looking for pension direction to confidently analysing investments.
SO
Dr Segun Odebunmi
Doctor, Nova Scotia, Canada
Six-month Mastermind graduate
The pit
No clear plan
for his pension, with the new year approaching
“I want to start the [new] year with a clear direction regarding my pension.”
His message to Andy, December 2025
What he worked on
- A structured approach to investing
- Trusted resources for his own research
- Confidence to analyse any investment opportunity
- Now recommending the Mastermind to friends
The peak
Confidence
to analyse an investment opportunity on his own
“The biggest change for me is the confidence to analyze an investment opportunity.”
Dr Segun Odebunmi, September 2026
Case study 06 · SCRUBS workshop
23 years without investing. One workshop to find clarity.
KS
Dr Kumar Shanmugam
Locum Consultant Psychiatrist
SCRUBS workshop, July 2026
The pit
23 years
in the UK before anyone showed him how to invest tax-efficiently
“I had been in this country for 23 years but never done any investments or pension contributions.”
His first conversation with Andy, May 2026
His journey
- Found Andy through a link shared in a doctors WhatsApp group
- Started exploring SIPP options and his pension as a locum
- Watched the 2-hour masterclass video: an eye opener
- Attended the SCRUBS workshop, 11 July 2026
The peak
Clarity
on tax bands and pension contributions, for the first time in 23 years
“The first time I had any clarity about tax savings and pension contributions was […] by attending SCRUBS workshop with Andy.”
Dr Kumar Shanmugam, Consultant Psychiatrist
02 · Member stories
In their own words
The specific moves doctors made, and what those moves were worth to them.
The Mastermind gave me clarity and confidence. I refinanced a car loan from 14.9% to 5.8% — saving £3,500, more than paying for the programme. I dismissed a financial advisor charging 0.99% with 40% of my portfolio in bonds. I now manage my own investments and know my carry-forward to the penny.
Saved £3,500 on debtDismissed underperforming FASelf-managing portfolio
OJ
Mr Ola John
Surgeon
I joined thinking I might ask for a refund. I am not going to say that now. I have made SIPP contributions with full confidence, brought my adjusted net income down significantly, and switched from spending dividends to reinvesting them. The tax saving alone is many times the cost of this programme.
SIPP contributions madeAdjusted income reducedDividends reinvested
F
Dr Favour
GP
After 10+ years training to be trusted with people’s lives, nobody taught us how to manage what we earn. The system was not designed to help each individual maximise their financial life. The Mastermind fills that gap — and it is the most important investment I have made outside of medicine.
Financial gap filledKnowledge validatedImplementation started
S
Dr Segun
GP
I have always wanted good returns but stayed away from stocks because I did not understand them. Now I have the foundation to invest properly and a genuine sense of direction. Before, I was flying blind. If you always invest small, you always get small — now I finally know how not to.
Investing with confidenceRisk profile identifiedStocks knowledge built
G
Dr Ginny
GP
I joined at exactly the right time — I can still claim five years of tax relief. Before this, I had not done any self-assessment at all. I have now maximised my Savings ISA to £20,000 and opened a Stocks & Shares ISA ready for the new tax year. Starting early changes everything.
£20,000 ISA maxed outS&S ISA openedProfessional expenses claimed
RR
Dr Renuka Rangan
GP
HMRC told me I would owe a large sum — but when I filed my self-assessment, they actually owed me £1,300. This programme gave me the knowledge and confidence to navigate this unfamiliar terrain. I have now opened a SIPP, maxed my ISA, and found unclaimed contributions that may keep me out of the 60% tax trap.
SIPP openedISA maximised60% tax trap navigated
S
Dr Setemi
GP
I always felt I was low-risk because I like stability. Then my psychometric score came back medium-to-higher. My money had been sitting in bonds for over four years earning nothing while advisors still took their fees. This programme changed how I see risk entirely.
Risk profile clarifiedPortfolio reviewedClear retirement goal set
M
Dr Marcelina
GP
I have lost money before — but I will not do a double loss: lose money and then lose my peace. This class taught me to take smarter, higher risk. I opened a SIPP, invested in ETFs, and bought more index fund units during the market dip because I knew prices would recover.
SIPP & ETFs launchedBought the dip wiselySmarter risk approach
B
Dr Bumi
GP
“The tax saving alone is many times the cost of this programme.”
Dr Favour, GP
03 · Mastermind reviews
What members say about the Mastermind
Six months of group coaching, 1:1 sessions and practical workshops, built for doctors.
Rated 5 out of 5
Dr Andy is quite insightful when it comes to building wealth in a tax efficient way as a medic. He also has ways of explaining in the most basic way so the points are well understood as well as catering to the needs of seasoned investors. Joining the Moneywise Doctor mastermind when I did was the best thing I did for my finances this year. Like Andy says… You do not know what you do not know. The best time to join was last year… the next best time is now. Highly recommended.
NU
Dr Ngozi Ugochukwu
Emergency Medicine Clinical Fellow
Rated 5 out of 5
As someone who started with no background in finance, I was worried I would never understand things like tax optimisation or portfolio building. Moneywise Doctor changed that. His approach is patient, educational, and incredibly insightful. I now have a clear roadmap for my investments and a solid grasp of how to be tax-efficient.
C
Dr Chinwe
General Practitioner
Rated 5 out of 5
Dr Andy is great at breaking down seemingly complex financial jargon in a way that is easy to understand using relatable analogies. I have realised that sometimes, being very risk-averse may just be an indication of insufficient knowledge, and on the other hand, investing without adequate knowledge is simply gambling. I now feel better equipped to build and manage my portfolio long-term.
QA
Dr Queenette Akporokah
NHS GP
Rated 5 out of 5
It has been an amazing journey in the Moneywise Doctor Mastermind. From the learning, to taking baby steps to starting to do things on my own and the continued learning. The knowledge gained from Moneywise Doctor has been well worth the time. Thank you again, Dr Andy Egwim.
DV
Dr Vee
NHS Doctor
Rated 5 out of 5
I was sticking my head in the sand when it came to my finances. Now I am facing the fear and working through it constructively. As Dr Andy says, there are no silly questions. Since joining Moneywise Doctor, I have made massive gains in my financial education and literacy. The programme and workshops are practical, pragmatic and have given me the confidence to understand things I previously avoided.
DS
Dr Dara Smith
Consultant Psychiatrist
Rated 5 out of 5
Attending the Mastermind has been the best financial investment I have ever made. Wanting to invest is one thing, but truly understanding the fundamentals is another, and Dr Andy explained them in a very accessible way. It was during this session that I realised how little I knew about investing for future planning and retirement. My only regret is not discovering him sooner.
AO
Dr Ayo Omosebi
GP / Family Physician
Rated 5 out of 5
I had my first 1:1 session on the Moneywise Doctor Mastermind programme a few days ago. As a doctor, the financial insights I gained are unparalleled. The knowledge gleaned has made a difference in my understanding and approach to money. I strongly recommend this coaching programme to all medical professionals.
GO
Dr G.I. Odeyinka
Doctor
Rated 5 out of 5
I attend every Moneywise Doctor mastermind session thinking it is the best, but Dr Andy comes with better insights in the following session. The sessions are always an eye opener and give far more than I expect. Thanks a billion for helping me in my journey to financial freedom.
RA
Dr Reme Aigbogun
Associate Specialist in Forensic Psychiatry
Rated 5 out of 5
Highly recommended. A worthwhile investment I have made in a while is signing up for the Moneywise Doctor Mastermind programme. It provided me with clear, practical, and useful financial education and coaching tailored to my specific circumstances during one-on-one sessions, in addition to other benefits. Thank you, Dr Andy, for the wealth of wisdom you dished out in each session.
GB
Dr Gloria Briggs
NHS GP
Rated 5 out of 5
Amazing session as always. Really glad I signed up to the mastermind. Dr Andy has a knack for explaining complicated financial strategy so a layman can understand it and make it seem easy. The mastermind class is absolutely value for money.
V
Vincent
General Practitioner
“The best time to join was last year... the next best time is now.”
Dr Ngozi Ugochukwu, Emergency Medicine Clinical Fellow
04 · Tax Hack X-Ray reviews
What medics say about the Tax Hack X-Ray
Real feedback from doctors and healthcare professionals who completed the workshop.
Rated 5 out of 5
I highly recommend that any new doctor arriving in the UK schedule a session with Moneywise Doctor. It could be one of the most important steps you take to avoid financial pitfalls, and the insights you gain will provide a strong foundation for building long-term wealth.
AI
Dr Adaeze Ifezulike MBE
NHS GP
Rated 5 out of 5
I truly appreciate how quickly the Moneywise Doctor team responds to clients concerns. My own experience was quite stressful when I first received a massive tax bill from HMRC. I reached out to Moneywise Doctor for guidance, and their recommendations made all the difference. Thanks to their expertise, I managed to reduce my tax bill by £8,000 for the 2022/2023 year.
N
Dr NA
NHS Consultant
Rated 5 out of 5
This is like the best financial class I have attended all my life. Thank you for your help, Moneywise Doctor.
IA
Dr Ifeoluwa Awoniran
NHS GP
Rated 5 out of 5
Amazing. That is what I would like to describe my Moneywise Doctor session with Dr Andy Egwim today. He was kind, patient, knowledgeable, and so passionate that I learned about the 60% tax trap, investing, pensions, ISAs, and tax rebates all in 90 minutes. I must have asked some silly basic questions, but I never felt that way, so it made the whole session easy and safe to be very open.
SS
Ms Saima Sharif
Consultant Obstetrician and Gynaecologist
Rated 5 out of 5
I am really, really, really happy with the current service I am getting from Moneywise Doctor. I used to be an investment banker, so the knowledge was there, but the application is something else. Working with Dr Andy made me finally use that knowledge so I can apply it for the good of my family and myself. He knows a lot of practical tips that will probably save your financial life.
VA
Dr Vanessa Awong
NHS Doctor (Ex-Investment Banker)
Rated 5 out of 5
I attended the Moneywise Doctor Tax Hack X-Ray challenge. It was really extremely detailed and explanatory. Very patient to answer all the questions. Learned loads. Thank you so much.
ST
Ms Sobhana Tani
NHS Consultant, General Surgeon
Rated 5 out of 5
Thank you Andy for the excellent session on how to be tax efficient. You are a fountain of knowledge for newly qualified doctors and also not so new. Prior to now, nobody cared to teach doctors how to make the most from their hard work and it is a pity many of us missed many years of potential tax optimisation. Thank you for changing that with Moneywise Doctor.
DR
Dr Dana Rogojan
GP
Rated 5 out of 5
Dr Andy from Moneywise Doctor is heaven-sent. He knows his stuff and how to deliver the message to address my personal goals and financial wellness needs. He answered all my questions and, together, we developed a feasible action plan for me.
AB
Dr Abegunde Babajide
Resident Doctor
“Prior to now, nobody cared to teach doctors how to make the most from their hard work.”
Dr Dana Rogojan, GP
05 · Community reviews
More voices from the Moneywise Doctor community
From the Investment Academy, workshops and free resources.
Rated 5 out of 5
Thank you, Moneywise Doctor. Using the tax relief guide, I claimed £9k for the past 5 tax years. The step-by-step guide was easy to use.
RA
Dr Ruth Akanni
NHS Psychiatry Doctor
Rated 5 out of 5
I cannot emphasise enough how invaluable the guidance from Moneywise Doctor has been for my financial well-being. Their expertise has helped me in planning a stable and stress-free financial future, by providing verifiable information that makes it easy for me to calculate and work out my risks before making financial decisions. I am incredibly grateful.
CO
Dr C.O. Oraegbunam
Psychiatry Consultant
Rated 5 out of 5
A very highly insightful session which has offered major understanding into various ways to be financially smart — ranging from investing, protecting your source of income and planning for your family in case of adverse events. I highly recommend.
PB
Dr Pamela Bruce
NHS Doctor
Rated 5 out of 5
I have recently completed the 4-week Investment Academy and I am now a new man. The best time to start investing was 10 years ago, the next best time is NOW. Dr Andy’s knowledge is massive and being a doctor gives him a deeper understanding of the NHS and the earnings of healthcare workers.
EO
Dr Ezeagozie Okoli
NHS GP
Rated 5 out of 5
Nice, clear, easy-to-follow information very relevant to medical professionals — and the cultural insight is a wonderful touch.
OI
Dr Oge Ilozue
NHS GP Partner
Rated 5 out of 5
Dr Andy was exactly the person I was looking for when I thought of savings and investments. Being a doctor, he could clearly understand where I stood in my career and also could estimate my financial knowledge. I have finally started my investment journey after attending his course.
DM
Dr Dharmendra Muktha
A&E Registrar
Rated 5 out of 5
Moneywise Doctor have been insightful and helpful. It has given me a lot of financial education in a simplified manner. I would highly recommend to new medics arriving in the UK and even non-medics to enjoy this free resource and take charge of their financial health. Thanks to Dr Andy and his team.
OE
Onyinye Echendu
General Practitioner
“The best time to start investing was 10 years ago, the next best time is NOW.”
Dr Ezeagozie Okoli, NHS GP
Your story could be next
Join the Moneywise Doctor Mastermind
Six months of practical coaching to help you stop overpaying tax, invest with confidence and protect what you have worked for.
Important information. Moneywise Doctor provides financial education, not regulated financial, tax or investment advice. The experiences in this collection are individual and are not a guarantee of any outcome. The value of investments can fall as well as rise. Tax rules can change and depend on your circumstances. For decisions specific to you, speak with a qualified, regulated financial adviser or accountant.
Dr Andy Egwim | Moneywise Doctor
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