You’ve Built a Demanding Career. Let’s Make Sure It’s Building Real Wealth.

Strategic financial advice for medical professionals isn’t a luxury — it’s essential. You’ve spent years training. Long hours, hard decisions, real responsibility. Your income reflects that — but high income alone doesn’t create lasting financial security. Without a clear strategy, much of what you earn quietly disappears into tax, lifestyle creep, and inefficient structures.

. Your income reflects that — but high income alone doesn’t create lasting financial security. Without a clear strategy, much of what you earn quietly disappears into tax, lifestyle creep, and inefficient structures.At FutureFlow Financial, we provide strategic financial advice for medical professionals across the Sunshine Coast and Australia-wide — including doctors, dentists, surgeons, specialists, senior nurses and allied health professionals. We design and implement clear, tax-effective financial strategies that work around your time and your career stage.

Why Financial Advice for Medical Professionals Is Different

Most financial advice is built for the “average” earner. Medical careers don’t fit that mould. Here’s why specialist strategic advice matters:

• You sit in the top marginal tax bracket. At 47% (including Medicare levy), every uncoordinated decision quietly costs you tens of thousands a year.
• Your income structures are layered. PAYG salary, private billings, contractor arrangements, service trusts, locum work, practice ownership — often all at once.
• Division 293 tax is in play. Once your income crosses $250,000, an additional 15% tax applies to your concessional super contributions.
• PSI rules limit your options. Personal Services Income rules restrict how income can flow through companies or trusts — getting this wrong can be expensive.
• Your earning capacity is your biggest asset. A career-limiting injury or illness could cost millions in future income. Standard insurance often doesn’t cover proceduralists and surgeons properly.
• You’re time-poor. Clinical hours leave little room for financial admin, research, or strategy — and decisions get deferred for years.

A generalist advisor isn’t equipped for this. We are.

Division 293 Tax: The $250,000 Threshold

If your combined income and concessional super contributions exceed $250,000 in a financial year, you’ll pay an additional 15% tax on those contributions (see the ATO’s Division 293 page for the full rules). That brings your effective tax inside super to 30% — double the standard rate.

For medical professionals, this is one of the most common — and most expensive — tax outcomes. The threshold hasn’t been indexed since 2017, so more doctors are caught by it every year.

How we help: We model your Division 293 exposure across the financial year, structure contributions strategically, and explore alternative tax-effective options — such as spouse contributions, investment bonds, or company structures — so more of your income works for your long-term wealth.

Complex Income Structures and PSI Rules

Many medical professionals operate across multiple income streams — a public hospital salary, private practice billings, locum shifts, contracting through a service trust, or running a practice as a sole trader or company.

Each structure has different implications for tax, super, asset protection, and succession. Personal Services Income (PSI) rules can restrict how income flows through a company or trust — and getting it wrong can mean ATO penalties or missed wealth-building opportunities.

How we help: We work alongside your accountant to ensure your income structure supports your long-term financial strategy — not just your 30 June tax outcome.

Practice Ownership and Succession Planning

Buying into a practice, building your own, or selling at the end of your career are among the biggest financial decisions you’ll make. Each one affects tax, super, debt, insurance, and family wealth — often for decades afterward.

We help medical professionals plan these transitions strategically — from financing a practice buy-in, to structuring ownership for tax efficiency, to applying the small business CGT concessions when you eventually exit.

Risk Management and Personal Insurance

Your most valuable asset isn’t your house or your super — it’s your ability to earn. For a 40-year-old specialist on $400,000, future earning capacity can exceed $10 million. Protecting that capacity is fundamental to a sound financial strategy.

Medical professionals face specific challenges with personal insurance:

• Many off-the-shelf policies have exclusions that affect surgeons, proceduralists and high-risk specialties
• Definitions of “total and permanent disability” vary widely between insurers
• Specialist-aware cover often costs more — but pays out when it matters
• Ownership structure (personal vs super-funded) significantly affects the real cost and claim outcome

How we help: We review your existing cover, identify gaps relative to your specialty and circumstances, and recommend appropriate risk management strategies — including policies designed with medical careers in mind. All recommendations and any associated remuneration are fully disclosed and agreed with you upfront before we proceed.

Tax-Effective Superannuation Strategy

Super remains one of the most tax-effective wealth structures available — but for high-income earners, the rules are tight. The concessional contribution cap is $30,000 a year. Division 293 reduces the headline benefit. And Division 296 adds another layer for balances approaching $3 million.

Strategic super planning we use with medical clients includes:

• Maximising concessional and non-concessional contributions within the caps
• Using carry-forward unused concessional cap space from prior years
• Spouse contribution splitting to balance super between partners
• Self-Managed Super Funds (SMSFs) where appropriate — including for practice property ownership
• Modelling Division 293 and Division 296 exposure before contributing

Built for Time-Poor Professionals

Effective financial advice for medical professionals has to work around clinical reality. Doctors don’t have time for chasing paperwork, sitting through long meetings, or reading 60-page Statements of Advice. Our process is built around your schedule.

• Flexible meetings: Phone, video, or in-person — early mornings, evenings, or between shifts
• Clear, jargon-free advice: Your strategy explained in plain English
• Concise written advice: Statements of Advice that respect your time
• One main point of contact: No call centres, no being passed around
• Coordinated with your accountant and lawyer: So you don’t have to repeat yourself

Who We Work With

We provide strategic financial advice to medical professionals across the Sunshine Coast and Australia-wide, including:

• General practitioners
• Specialists and consultants
• Surgeons and proceduralists
• Dentists and dental specialists
• Anaesthetists and emergency physicians
• Psychiatrists and psychologists
• Senior nurses and nurse practitioners
• Allied health professionals (physiotherapists, optometrists, pharmacists and others)
• Registrars and junior doctors planning ahead

How We Work

Step 1: Free 30-Minute Discovery Meeting
A no-obligation conversation to understand your situation, your goals, and whether we’re the right fit. No fees, no pressure.

Step 2: Strategy and EngagementStep 2: Strategy and Engagement
If we agree to work together, we agree on a flat or asset-based fee upfront — fully disclosed, no surprises. We then design a Statement of Advice tailored to your situation, with all financial advice for medical professionals reflecting your career stage, income structure and long-term goals.

Step 3: Implementation and Ongoing Strategy
We implement your strategy and review it as your career, income, and family circumstances evolve over time.

Frequently Asked Questions

Do you only work with doctors on the Sunshine Coast?

We’re based in Maroochydore and work with medical professionals across the Sunshine Coast, but we also advise clients Australia-wide via phone and video meetings. Location is not a barrier to working together.

How much does strategic financial advice for doctors cost?

Our Statements of Advice typically range from $880+GST for straightforward strategies to $10,000+GST for complex matters involving practice structures, SMSFs or layered income arrangements. All fees are agreed upfront — no hidden costs. See our full fee schedule here.

I’m a registrar or junior doctor. Is it too early to engage an advisor?

Not at all. The earlier you start, the more strategic options you have. We work with registrars and junior doctors on cash flow planning, HECS-HELP strategy, first home purchases, income protection, and getting the right structures in place before your income steps up significantly.

I already have an accountant. Do I still need a financial advisor?

Yes — they perform different roles. Your accountant focuses on tax returns and compliance. A strategic financial advisor focuses on long-term strategy: super, investment, insurance, retirement, debt, and estate planning. We work alongside your accountant to ensure everything is aligned.

Can you help me buy into a medical practice?

Yes. We help medical professionals plan and finance practice buy-ins, set up appropriate ownership structures (companies, trusts, service entities), and coordinate with your accountant and lawyer to ensure the transaction is structured strategically.

How do you get paid, and do you receive commissions?

FutureFlow Financial is a strategic financial advisory practice — we design and implement financial strategies, not sell products. For financial advice (super, investment, retirement and tax strategy), we operate on a flat or asset-based fee model with no product commissions. For personal insurance recommendations (life, TPD, income protection and trauma cover), we may receive a commission from the insurer as part of standard industry practice — this is always fully disclosed and agreed with you upfront. Every recommendation is based on what’s right for your situation.

What happens at the free discovery meeting?

It’s a relaxed 30-minute conversation — phone, video, or in person. You share your situation and goals. We explain how we work and outline what a strategy might look like. If we’re the right fit, we agree on next steps. If not, you leave with no cost and a clearer picture.

The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. Before acting on any information, consider its appropriateness in light of your own circumstances and seek personal advice. FutureFlow Financial Advice is an Authorised Representative of Insight Investment Partners Pty Ltd (AFSL 368175).