• Doctors Wealth
    Management

    Always in a doctor’s best interest

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    Financial advice that’s as free from self-interest as you are

    Financial expertise. A thorough understanding of what it is to be a doctor. A mandate to always put your interests first. This doesn’t just make Doctors Wealth Management different. When it comes to building and preserving your financial future, it makes all the difference.

  • About Doctors Wealth Management

    At Doctors Wealth Management, we think that understanding your professional journey and the financial complexities of being a doctor, is not just crucial – it makes a profound difference.

    The fact that we’re backed by the strength and integrity of Avant Mutual gives us an enormous advantage in this area. It means our financial advice offering is designed for doctors and their families.

    Financial expertise. A thorough understanding of what it is to be a doctor. A mandate to always put your interests first. This doesn’t just make Doctors Wealth Management different. When it comes to building and preserving your financial future, it makes all the difference.

    Our long involvement with the medical profession has given us valuable insights about doctors and their financial needs.

    We know, for example, that many doctors are so focused on their patients, they simply don’t have time to think about their financial needs. Doctors often neglect to leverage their earnings and miss opportunities to build wealth. Or, they rush into the latest tax minimising schemes without giving due consideration to the risks.

    A doctor’s financial circumstances are unique

    We know that doctors love property and often over-invest in it. We’ve seen how most doctors under-invest when it comes to insurance, despite being in a profession that exposes them to unique risks often not covered by traditional policies. Doctors’ earning profiles are often very different to that expected by most financial institutions, which requires specific understanding and expertise in balancing earning capacity and cash flow when considering their level of debt and its financing.

    We’re aware too that as most financial institutions are comfortable lending to doctors because they have solid, stable earnings, there’s a tendency for doctors to take on too much debt.

    A doctor has a unique career trajectory

    You don’t start earning for years because of time spent in medical school and chosen specialty training programs including additional research post-fellowship – so many doctors don’t get serious about super funds as early as they should. This can make a profound difference to the financial advice you need.

    All our advisers are highly qualified, registered with the Tax Practitioners Board (TPB), comply with the Financial Adviser Standards and Ethics Authority (FASEA) Code of Ethics and have years of financial advising experience.

    Even more importantly, Doctors Wealth Management financial advisers are all salaried employees of Avant – a mutual owned by doctors, for doctors, for more than 125 years. So we understand your unique needs and we always work in a doctor’s best interest.

    There’s a reason over 50% of Australian doctors trust Avant with their professional reputation. Now, you can trust us to look after your financial wellbeing too.

  • Our services

    We recognise that doctors’ needs can be complex, and no one doctors needs are the same. Our range of services have been designed to meet your needs, whether you are in public or private practice, different specialties, practice owner or partner, or an intern. Our advice covers everything from managing investments to taxation optimisation, insurances to practice structures, to setting up a self-managed super fund, preparing for retirement or estate planning. We have considerable resources to draw on and where appropriate, just like you, we collaborate with trusted professionals.


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    Financial goal setting

    Align your financial, career and personal goals.

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    Wealth creation

    Build wealth beyond just superannuation and property.

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    Debt management

    Structure your personal or practice debt more effectively.

    Factsheet - Vehicle financing

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    Investments

    Match your risk appetite with where you are in your career and the returns you want.

    Factsheet - Investment concepts and your risk profile

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    Retirement planning

    A personalised plan for you and your practice.

    Factsheet - Pensions and retirement income

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    Estate planning

    More than just having a will, ensure your personal and professional assets are managed according to your wishes.

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    Structuring and tax planning

    Structure your assets to maximise your situation, both personally and professionally.

    Factsheet - Personal taxation

    Factsheet - Capital gains tax

    Factsheet - Trusts: Know the basics

    Factsheet - Types of trusts

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    Life insurance

    Advice on the best cover for you as a doctor to protect your income, assets and family.

    Factsheet - Risk protection

    Factsheet - Practice expense cover

    Factsheet - Insurance inside super

    Factsheet - Income protection changes

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    Superannuation

    Make your superannuation work as hard as you, so you don’t have to compromise when you retire.

    Factsheet - Accumulating super

    Factsheet - Self-Managed Super Funds

  • Simple, transparent pricing

    Our fees are simple and transparent, with a fixed fee for financial advice. Importantly, Doctors Wealth Management advisers are not rewarded based on the products they recommend, the amount of cover you need or how much you invest. Be assured that we are committed to working in your best interests. Not just because it’s the law, but because it’s at the heart of our mutual ethos and culture: putting you first, always.

  • What should you look for in a financial adviser?

    Financial acumen? Obviously. A comprehensive understanding of financial markets? Definitely. Not to mention a thorough appreciation of everything from taxation and superannuation to insurance and estate planning.

    But these are the fundamentals. And all financial advisers should be experts in them. The real question is: are they experts in you? After all, as a doctor you have your own unique set of circumstances.

  • Have a question?

    If you need an answer fast, just contact us by phone or email, our team is available Monday – Friday, 8am – 7pm AET.

    You can also schedule an appointment and we will call you back at your preferred time.

    Contact us

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    International +61 2 9260 9000




     
  • Important Disclaimer: The material contained in this publication is of general nature only. It is not, nor is intended to be legal, accounting, tax or financial advice. Doctors Financial Services Pty Ltd (DFS) and its related entities have not considered your individual objectives, financial situation and needs in providing this information. If you wish to take any action based on the content of this publication we recommend that you seek appropriate professional advice. While we endeavour to ensure that this information is as current as possible at the time of publication, we take no responsibility for matters arising from changed circumstances, information or material. DFS and its related entities will not be liable for any loss or damage, however caused (including through negligence), that may be directly or indirectly suffered by you or anyone else in connection with the use of information provided. Doctors Wealth Management is a registered business name of Doctors Financial Services Pty Ltd ABN 56 610 510 328, AFSL 487758. Doctors Wealth Management Financial Advisers are Authorised Representatives of DFS.