Katie Collin : Beyond the Balance Sheet

Why Banks Still Back Primary Care

There’s a lot of noise at the moment around pressure in primary care. Rising costs, structural change, and ongoing uncertainty have left many GP practices questioning how sustainable the model really is. But from a banking perspective, the view is very different. In this episode of Beyond the Balance Sheet, Katie Collin is joined by Lucy Brine, Director of Healthcare at Lloyds Bank, to talk through how GP practices are actually being assessed when it comes to funding, risk and long-term stability. It’s a perspective most practices don’t usually get access to. They discuss what really matters behind the scenes, from partnership structures through to premises and cash flow, and how lending decisions are actually made. IN THIS EPISODE, THEY COVER: * Why GP practices are still seen as a stable sector * What banks look at when funding buy-ins, buy-outs and premises * Why valuations don’t always match expectations * How partnership structures affect lending decisions * How PCNs have evolved and the challenges around managing shared funds * Where cash flow pressure is actually showing up If you’re making decisions around growth, property or partnership changes, this episode gives you the context you need.

Leading Under Pressure – The Psychology of Primary Care Stress and Burnout

In this episode of Beyond the Balance Sheet, Katie Collin is joined by Dr Matt Slavin, clinical psychologist and performance specialist, to unpack what stress is really doing to primary care leaders and what it takes to stay effective without burning out. This is a practical conversation for GP partners, PCN leaders and clinicians carrying responsibility across a system in constant change. They explore why burnout is rarely about “needing a break”, and more often about prolonged pressure, weak boundaries, and a system that never properly resets. Together, they cover: → Why chronic stress stops you thinking clearly (and pushes you into reactive mode) → What burnout actually looks like in the body and brain, and why rest alone doesn’t fix it → Compassion fatigue, secondary trauma, and the emotional load clinicians carry → Leadership transitions, partnership change, and the unspoken pressures that follow → The habits that protect performance: boundaries, decompression, focus, and reset routines If you’ve been feeling tired-but-wired, permanently behind, or like you’re carrying more than is sustainable, this episode gives a clear starting point and practical tools you can actually use. Guest: Dr Matt Slavin, Clinical Psychologist and Performance Specialist. Resources & Links: Connect with Katie Collin https://www.linkedin.com/in/katie-collin/ and Ramsay Brown https://ramsaybrown.com/ Connect with Dr Matt Slavin https://www.drmattslavin.com/

Is Your NHS Pension Record Wrong? McCloud Remedy, Contingent Decisions and What to Do Next?

In this episode of Beyond the Balance Sheet, Katie Collin sits down with Graham Crossley, founder of Medifintech and an NHS pension specialist, to unpack one of the most persistent and misunderstood issues facing NHS professionals today: whether their pension record can actually be trusted. With widespread missing service, administrative errors and ongoing delays linked to the McCloud Remedy, many GPs and consultants are unsure where they stand or what action they should be taking. Graham explains why these issues are far more common than most people realise and why making decisions without first checking the underlying data can be costly. In this episode, they explore: • Why NHS pension records frequently contain missing or incorrect service • The first document members should request to sense-check their pension record • McCloud Remedy explained in practical terms • The difference between RPSS and RSS and why so many members are still waiting • Why large tax bills should not be viewed in isolation • The risks of opting out or “opting in and out” without proper modelling • Contingent Decisions and reinstating service: when it can help and when it can go wrong • What NHS pension members should do next Guest: Graham Crosley Founder of Medifintech. Graham specialises in NHS pensions, supporting members, accountants and advisers with pension analysis, error correction and complex issues including McCloud Remedy, annual allowance and service reinstatement. Resources and links: Connect with Katie Collin [https://www.linkedin.com/in/katie-collin/] Connect with Ramsay Brown [https://ramsaybrown.com/] Connect with Graham Crossley [https://www.linkedin.com/in/graham-crossley/] Learn more about Medifintech [https://www.medifintech.co.uk/] Disclaimer This podcast is for general information only. Ramsay Brown are chartered accountants, not financial advisers. NHS pension and tax decisions can have significant long-term consequences and advice should be taken based on individual circumstances.

Making Tax Digital. What It Really Means For You.

In this episode of Beyond the Balance Sheet, Katie Collin sits down with Diane Holden, Senior Partner Success Manager at Xero, to break down one of the biggest changes to income tax in decades. Making Tax Digital will transform how locums, clinicians, landlords and sole traders manage and report their income. Diane explains what MTD really involves, who will be affected first, and how Xero can make the transition smoother and far less stressful. IN THIS EPISODE, THEY EXPLORE: • What Making Tax Digital is and why HMRC is changing the system • Who falls into scope and how the new thresholds will be phased in • Why your 2024 to 2025 tax return determines if you are captured • How quarterly digital submissions will replace the annual tax return • How Xero, bank feeds, Hubdoc and a separate business account keep digital records accurate • How real time data improves tax planning, session decisions, pensioning and profitability GUEST: Diane Holden Senior Partner Success Manager at Xero. Diane supports firms and business owners through digital transformation and has worked closely with Ramsay Brown LLP to prepare healthcare clients for Making Tax Digital. RESOURCES AND LINKS: Connect with Katie Collin [https://www.linkedin.com/in/katie-collin/] Connect with Ramsay Brown LLP [https://www.ramsaybrown.com/] Connect with Diane Holden [https://www.linkedin.com/in/dianeholden/] Learn more about Xero [https://www.xero.com/uk/try-now/accounting/xero-accounting-software/?utm_source=GOOGLE&utm_medium=cpc&utm_campaign=UK+-+B+-+LF+-+SMB+-+Exact&utm_content=Xero&utm_term=xero&ds_kid=294791067&gclsrc=aw.ds&gad_source=1&gad_campaignid=21398312540&gbraid=0AAAAAD0EBI39XUhHMcdMLPKXgkUkEkGmK&gclid=Cj0KCQiAosrJBhD0ARIsAHebCNpH5h6SdDSUi4aBtVktxY1Y3dZIakmUSApNC13L6c7m7ZxTlI6sjI0aAgoxEALw_wcB]

Do You Trust Your Numbers? The Financial Risks Hiding in Your Books

In this episode of Beyond the Balance Sheet,  Katie Collin is joined by Gareth Salomon, founder of Xenon Connect, to uncover the hidden bookkeeping errors that can distort financial decisions for GP practices, PCNs, and federations. What we cover * Why reconciled bank lines are not the same as accurate books * The five red flags that quietly distort GP accounts: unreconciled bank items, old unpaid bills, duplicate invoices, misposted bill payments, and duplicate contacts * Opening balances and why year-on-year comparatives go wrong * How a simple health score and monthly report helps practice managers, PCNs and federations keep on top of quality * Governance and fraud detection benefits when margins are tight * What MTD for ITSA means for bookkeeping accuracy and investigation risk * Where AI helps, and where professional judgement still matters About Xenon Connect Xenon Connect plugs into Xero, QuickBooks Online, Sage and FreeAgent to scan bookkeeping data against double-entry norms, flag likely errors and let you fix them fast. Ramsay Brown uses it to provide monthly health-score reports to clients and to speed up month-end reviews. Who this is for GP practices, PCNs, federations and healthcare finance leads who want timely, reliable financials without adding headcount. Resources mentioned Xenon Connect Ramsay Brown LLP bookkeeping and management accounts support MTD for ITSA overview and readiness support Work with us If you’d like help improving bookkeeping quality, monthly reporting or MTD readiness, email hannah@ramsaybrown.com and we’ll set up a short call.