As a doctor, you’ve worked hard for your money, and it deserves thoughtful consideration. We work with our Medical clients to develop financial plans that are meticulously designed to meet their financial goals, taking into account your lifestyle priorities. We specialise in building personalised plans that allow our clients to enjoy the lifestyle they’ve worked hard for, and to enjoy their money, without the worry.

Our approach to investment management is considered and designed to withstand and benefit from inevitable market cycles. We take a structured evidence-based approach to investing, without relying on making forecasts or predictions. Our clients are well placed to exceed their goals via investment strategies that are closely tailored to their objectives and risk profile.

Correctly managing cash flow is an often over-looked but very important factor in wealth accumulation, particularly for busy doctors. Having a plan to allocate surplus cash flow into appropriate investments is key. We work with clients to determine the most appropriate strategy to manage their cash flow in line with their goals, and set about automating this where possible to save time.

Superannuation is an excellent structure to invest in, with low tax rates and the potential to significantly impact your wealth. However, it is complex, and the rules around super are ever-changing, so it needs to be carefully managed. We work with our clients to ensure they make the most of the significant contribution, investment, and withdrawal strategies available to maximise wealth.

As a doctor, often your biggest financial asset is your future earnings capacity throughout your career. We work with our clients to ensure that this asset is protected with the right level of life, TPD and income protection insurances, helping to find the right balance between required cover and cost. Because we don’t accept any commissions, our medical clients typically benefit from significant discounts on their insurance costs.

As a medical professional, you will likely pay a lot of tax in your life, so it is important to ensure you aren’t paying any more tax than you need to. We ensure your affairs and investments are structured appropriately to optimise your after-tax returns. Our approach ensures that clients take advantage of a range of opportunities to minimise unnecessary taxes and risks within their portfolio.

Retirement planning is less about leaving work, and more about gaining financial independence so that you have the option to do what you want in life, when you want. We work with many clients in the years leading up to retirement to maximise their wealth to support their retirement goals.

Estate planning is important to ensure that your beneficiaries are appropriately looked after when you are no longer here. We consider the financial aspects of your estate planning, ensuring that consideration is given to aspects like super and insurance. Often, we project manage the entire estate planning process on behalf of our clients, helping them to appoint & liaise with an appropriate solicitor to complete the work.

We provide advice regarding residential and commercial investment properties, considering strategic aspects from cash flow to debt and tax. We help our clients to ensure property purchases and sales support their overarching plan and longer term financial goals.