Most doctors get the tax basics right and miss the planning that compounds. We coordinate strategy across tax, super, investments, lending, and insurance — so your money works on five fronts at once, not just one.
Indicative example for a specialist on $450k+ practice income. Individual outcomes vary materially. Coordinated strategy can change the trajectory significantly — but only when tax, super, lending, and investment are planned together rather than as separate decisions.
Lifestyle first. Some doctors want passive income, others want a bigger home or more time with family. Your goals shape the strategy — not a generic wealth template.
Pay off your home loan faster. Convert non-deductible debt to deductible. Maximise super contributions. Construct a portfolio that compounds. Five wealth-building fronts, working together.
Personal insurance, estate planning, family trusts, asset segregation. Protect your earning capacity and the wealth you've built from medico-legal exposure, claims, and the unexpected.
1, 3, 5, and 10-year financial milestones aligned with your career trajectory and lifestyle goals.
Use the full $30k cap. Carry-forward unused contributions. Manage Division 293 properly.
Diversified equity, property, and managed funds matched to your risk tolerance and timeframe.
Convert non-deductible home loan interest into deductible investment debt over time.
Life, TPD (own-occupation), Trauma, Income Protection — sized to your actual exposure, not default cover.
Wills, testamentary trusts, binding death benefit nominations — drafted with your lawyer.
Twice-yearly reviews to adjust for income changes, life events, tax law updates, and market conditions.
One adviser coordinating across tax, lending, insurance, and investments. Not five separate professionals.
Illustrative only — assumptions about returns, contributions, and conditions vary. Individual outcomes depend on personal circumstances and current law. Past performance is not a reliable indicator of future performance.
Run your own super projection →Book a complimentary 15-minute consultation. We'll review your current structure across tax, super, lending, and investments, and identify where coordinated planning could move the needle.
We work only with medical professionals. Hospital salary, RPP, private billings, locum income, registrar contracts — we model them all correctly.
Tax, lending, super, insurance, property — one adviser, one strategy. Not five professionals giving you uncoordinated advice.
Premium offices across Sydney, Melbourne, Brisbane, and Perth. Meet your adviser in person at the CBD location nearest to you — or by video call.
For the last 17 years, Miraj Patel and MNM have been in charge of my financial planning and management. He has looked after all aspects of my financial wellbeing including investments, superannuation and personal insurance. He has been with me through thick and thin. I am in a much better financial situation because of his advice.
Book a complimentary 15-minute consultation. Sydney, Melbourne, Brisbane, Perth — or by video. No obligation, no SOP fee, just an honest conversation about where you are and where you want to be.