Financial planning for medical professionals







How we help

Financial Planning for Doctors
Accounting and Taxation for Doctors
Debt and Finance for Doctors
Setup and Manage SMSF
Insurance for Doctors
Setup the Medical Practice
Estate Planning for Doctors
Legal Services for Doctors
Business Structuring for Doctors
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Why choose Whole Wealth

We understand the vigorous training you undertook to become a medical professional. The term, "time poor" is a gross understatement considering the academic and work pressures compared to the rest of the population. 

We are specialists in providing financial advice for medical professionals. We cater to solutions for every stage of your medical career from graduation to running your own private practice. Doctors and medical professionals are special have special needs, which we are have the skills and experience to fulfil. 


We understand the ins and outs of taxation and will help you establish your own practice with the right structures to minimise tax and protect you against legal liability.  

Our team consist of financial planners, lawyers, chartered and certified practising accountants, finance brokers, along with others  who have accumulated years of experience specialising in doctors, dentist, surgeons, and other medical professionals. 

Our legal team can help you draft contracts, agreements, trust deeds, company documents, wills, powers of attorney, and  everything needed to run your medical practice.

When should a medical professional seek financial advice?

Starting your Studies
Getting Married
Purchase a Property
Getting Promoted
Starting your Career
Starting a Family
Starting a Business
Stop Work (Injury/Illness)
Thinking to Invest
Saving for a Car
Considering Divorce
Terminated or Redundant
Move in with Partner
Saving for Holiday
Consider Retirement

Where do I get independent financial advice?

Financial planning for doctors in Brisbane CBD

Level 3, 155 Queens St, Brisbane, QLD 4000

Financial planning for doctors in Sydney

Level 2, 11 York St, Sydney, NSW 2000

Financial planning for doctors in West End, Brisbane

MPR Room, 11 Beesley St, West End, QLD 4101

Articles for medical professionals

November 17, 2018

Associate Professor Justin Tse reflects on how his academic post helped pave the way for a fulfilling career in medicine and academia.

Having begun his career in medicine as a general practice registrar, Associate Professor Justin Tse remembers the time fondly.
‘I had wonderful experiences in both rural and metro settings, and was supported by generous and amazing general practice supervisors,’ he told newsGP. ‘Our training p...

November 15, 2018

Planning for a fulfilling retirement just got a little simpler: Hundreds of retired physicians have shined a light on what makes them successful, satisfied and confident in this stage of life.

More than 1,200 retired physicians were surveyed for the “2018 Report on Retired Physicians” and shared what makes for a successful physician retirement. The report found that the majority of retired physicians—80 percent—have a satisfyin...

November 15, 2018

Financial planners have to fight 'lifestyle inflation' to keep well-paid clients on track.

More Americans are living beyond their means than ever before, including those pulling down six-figure paycheques. Household debt in the U.S. hit a record $13.3 trillion in the second quarter. Of those earning $150,000 or more, nearly 30 percent have less than $1,000 saved, a 2016 GoBankingRates survey found.

Increasingly, financial planne...

November 11, 2018

GPs and practice owners recently had the opportunity to submit questions to the Department of Human Services regarding Medicare. Here are the answers.

The strong turnout and positive feedback for the RACGP’s inaugural Practice Owners National Conference, held in August, was evidence of a strong GP appetite for support and information about running and owning your own business.
The conference was designed to help fill GPs’ nee...

October 29, 2018

In communities across Australia, the old guard of general practitioners (GPs) are retiring and it is unclear who will take their place.

These new vacancies can take years to fill and on South Australia's Eyre Peninsula, there are so many vacancies for GPs that the situation has become critical.

"The shortage of health professionals across the Eyre Peninsula is at crisis point now," Wudinna GP Scott Lewis said.

"We've had communit...

October 16, 2018

Cancer sufferers used to be told to avoid exercise and eat what they could stomach. Surgery, chemotherapy and radiography knock the body around and doctors didn't want their weakened patients doing fun runs or forcing down steamed fish.

Lina Pugliano believes they got it wrong. The Sydney oncologist is pioneering a new form of cancer care that starts in a fitness centre. Her fitness centre.

The idea's genesis came from her perso...

October 5, 2018

It was a relief when senior counsel assisting the royal commission, Rowena Orr, QC, called an end to the day's proceedings on Thursday afternoon.

This had been a harrowing afternoon, as witness Loraine van Eeden, the general manager of claims at insurer TAL who joined the company only in January, sat through a case study that went from ugly to abhorrent.

Orr took van Eeden through a case involving a nurse who bought income prote...

September 2, 2018

Dr Jason Kaplan is a leading Australian physician and cardiologist, an expert in heart health, longevity and sports cardiology. With a busy Sydney CBD practice and young family, he could be forgiven for not taking on extracurricular responsibilities. Yet for Kaplan, making time to teach is a way to pass on the wisdom of medical knowledge.

As Clinical Lead of the Cardiovascular program at Macquarie University, as well as clinica...

July 25, 2018

Given that self-managed superannuation funds (SMSFs) enjoy substantial tax concessions, it comes as no surprise that the Australian Taxation Office wants to ensure trustees play by the rules and don't take advantage of the system.

Hence the existence of independent SMSF auditors, whose role is to check compliance and maintain the integrity of the SMSF sector through yearly audits.

From July 1, 2019, this will change for eligible...

July 24, 2018

 A SMALL medical clinic in the heart of Warwick is leading the country with its remarkable success as a non-profit.

Warwick's Carbal Medical Clinic is one of two practices pumping a phenomenal $10million into the Darling Downs economy each year.

Through clinics in Warwick and Toowoomba, Carbal Medical Services self-generates 40 percent of its funding.

The service has also stripped administrative costs to 7 per cent, far below the...

July 23, 2018

MOUNTAIN View Medical Centre in Mossman has been serving the local community for over thirty years, but in recent months a lot has changed. 

The modern accredited general practice surgery still upholds the traditional values on which it was founded, but has now transformed into a multidisciplinary team with a strong emphasis on allied and holistic healthcare.

Managing Director Louise Cooper said the new holistic health progr...

Key points:

  • HealthEngine has boasted to advertisers it can tailor advertising to patients' symptoms

  • The Australian startup says it only shares information with users' consent

  • But if a patient wants to use the app, there is no opportunity to opt-out of the fine print about giving information to third parties

Health Minister Greg Hunt has ordered an "urgent review" of Australia's biggest online doctor appointment...

July 19, 2018

Just like the rest of the population, doctors are vulnerable to the vagaries of ageing and now a new Australian study has provided strong evidence for their professional competence to be routinely tested from the age of 70.

This study, thought to be the largest of its kind in the world, has taken a hard look at where older doctors are falling short.

It looked at complaints made against all doctors across the country over a four-...

July 9, 2018

Old-fashioned ways of reporting new discoveries are holding back medical research. Some scientists are pushing for change

“NEVER tried sharing data like this before,” said the tweet. “Feels like walking into a country for the first time. Exciting, but don’t know what to expect.”

David O’Connor of the University of Wisconsin-Madison was announcing his decision on February 14th to post online data from his laboratory’s latest expe...

June 29, 2018

Key points:

  • In February, Government made regulations that tightened access to codeine

  • Low-dose codeine was previously available over the counter

  • Government sees some doctors as contributing to the problem

Australia has been warned that moves to restrict access to addictive opioid painkillers could drive pain sufferers to illegal markets or even stronger substances, if people are not able to access affordable, ef...

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