Investing For Doctors Podcast

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LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

How Two Doctors Built a 32 Company Health Tech Portfolio | EP 76

Thu, 04 Jun 2026 17:00:00 +1000

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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What does it take to build a health tech investment portfolio with zero failures across 32 companies? In this episode, we sit down with Dr Amandeep Hansra and Dr Bi Mian, the two clinicians behind Medical Angels, Australia's largest clinician syndicate, now transitioning into a formal $40 million fund.

We hear how it all started from a Facebook group, why traditional VCs have historically struggled to invest in health tech, and what clinician-led investing actually looks like in practice. We also unpack how doctors can get involved as LPs, what the ESVCLP tax structure means for them, and why the founders believe that being on the clinical frontline is their single greatest investment edge.

If you're a doctor who's ever wondered what it looks like to back the future of healthcare, rather than just work inside it, this conversation is for you.

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TIME STAMPS:

00:00 Intro

01:03 Who Are Dr Amandeep and Dr Bi?

02:42 How They Met: A Cold DM and a Coffee

04:01 The Gap They Spotted in Health Tech Investing

06:22 The Facebook Group That Started It All

07:24 Balancing Medicine and Running a Fund

10:19 Why Clinician-Led Investing Beats a Generalist VC

13:06 How Their Clinician Network Powers Due Diligence

15:22 Move Fast AND Be Safe: The Health Tech Challenge

17:25 How They Evaluate Startups: Painkillers vs Vitamins

47:24 Formalising Into a $40M Fund: What That Means

48:30 The ESVCLP Tax Benefits Explained

53:17 What Does Success Look Like for Australian Healthcare?

57:16 Why They Do This: Impact at Scale

01:01:18 Final Message to Doctors Considering the Fund

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SHOW NOTES LINKS

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LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Federal Budget 2026 Just Killed The Trust Strategies You've Been Using For Years

Fri, 22 May 2026 12:00:00 +1000

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode of Investing for Doctors, Dr Bi breaks down the most significant overhaul of trust taxation in Australian history. The 2026 Federal Budget has fundamentally changed the rules for anyone running a discretionary trust, and if you have a family trust, a bucket company, or a testamentary trust in your estate plan, this episode is essential listening.

We unpack the new 30% minimum tax on discretionary trust income, why the bucket company strategy is now dead, what happens to the CGT discount inside a trust, and the critical traps buried in the testamentary trust carve-outs that most people have completely missed. Most importantly, we walk through the three-year restructuring window, what rollover relief actually means in practice, and why you need to start planning now rather than waiting for the legislation to be finalised.

This episode is a clear, numbers-driven analysis of what has changed, who it affects, and what you should be doing about it today.

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TIME STAMPS:

00:00 Intro/Hook

00:56 What a Trust actually is

02:06 Types of Trusts: Fixed vs. Discretionary

03:33 New Tax Rules for Discretionary Trusts

07:41 Impact on Tax Burden and Income Splitting

13:19 Who Does the New Tax System Affect?

16:08 Testamentary Trusts and Estate Planning

22:52 Capital Gains Tax Changes

29:28 Restructuring Options and Rollover Relief

35:38 Government Support and Practical Considerations

40:00 Conclusion/Outro

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SHOW NOTES LINKS

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LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

2026 Budget: What Every Investor Must Know NOW

Fri, 15 May 2026 14:00:00 +1000

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode of Investing for Doctors, Dr. Bi cuts through the political noise to explain exactly what changed in the 2026 Federal Budget and what it means for your financial future as a property investor. We unpack the end of the 50% capital gains tax discount, the move to cost-based indexation, the new 30% minimum tax on gains, and what the restriction of negative gearing on established properties really means in practice.

We explore who these changes affect, what has been grandfathered, why new builds are now the preferred vehicle for property investors, and how company structures may become the new default for serious investors. Most importantly, we run the actual numbers to show whether these changes are as damaging as the headlines suggest.

This episode is a clear, rational, numbers-driven analysis of what has changed, who it hits hardest, and what smart investors should be doing right now.

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TIME STAMPS:

00:00 Intro Hook

00:42 Changes to Capital Gains Tax Discount

03:26 Transitional Protections and Special Carve-Outs

05:34 Impact on Speculative Investing and Income Support

11:06 Reforms to Negative Gearing

17:52 Impact on Investment Strategies

25:23 Conclusion/Outro

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SHOW NOTES LINKS

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Not as Safe as You Think: The #1 Financial Risk for Doctors | EP 73

Thu, 07 May 2026 12:00:00 +1000

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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We're re-releasing this episode with Roger Wheelahan, Managing Director and Financial Adviser at Smart Financial Services, because the content is simply too valuable to be missed. Whether you're hearing it for the first time or coming back for a refresher, it's just as relevant today as when we first aired it.

Roger reveals why your income is your most valuable asset and why protecting it should come before paying off HECS, buying property, or investing in shares. We cover the four key types of cover every doctor needs — income protection, life insurance, TPD, and trauma — plus the traps hiding in default super and how small changes can save you thousands.

If you're an intern, registrar, or early-career consultant, this episode will show you how to avoid costly insurance mistakes, structure your cover properly, and build a financial foundation that protects everything you're working for.

TIME STAMPS:

00:00 Intro/Hook

01:42 Guest Introduction

02:24 Role of Financial Advisor and Misconceptions

03:59 The important asset is YOU

05:44 Understanding Debt and HEX Debt

09:15 Insure yourself

13:54 5 D Approach of Risk

15:24 Types of Insurance and Their Importance

24:33 Financial Planning for Married Doctors

33:52 Value of the Financial Adviser

41:14 Structuring Assets and Tax Incentives

49:47 Conclusion/Outro

—---

SHOW NOTES LINKS

https://www.linkedin.com/in/roger-wheelahan-8ba53149/

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LISTEN TO THE PODCAST

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Think You’re Bad With Money? Here’s Why That’s a Myth for Doctors | Ep. 72

Thu, 30 Apr 2026 16:00:00 +1000

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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Financial advice shouldn't be a luxury, but for 80% of Australians, it is. We're resharing this one because the insights are just as relevant today as when it first aired.

In this episode, join me, Dr Bi Mian, together with Jessica Brady, a maverick financial advisor who sold her award-winning practice to create accessible money programs for the people the traditional system left behind.

Jessica talks about why traditional financial advice now costs up to $8,100 annually, why the "I'm bad with money" mindset is quietly holding women back from building wealth, and why waiting for the perfect time to start is a trap.

If you want quality money education without the hefty price tag of traditional advice, make sure to listen to this episode!

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SHOW NOTES LINKS

https://jessicabrady.com.au/

https://www.instagram.com/jessbrady_financialadvice/

https://au.linkedin.com/in/jessica-brady-21165812

https://podcasts.apple.com/au/podcast/financially-fierce/id1727968994

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

3 Financial Goals Every Young Doctor Needs to Set Now (Don't Start Your Career Without Them) | Ep. 71 [Encore]

Thu, 23 Apr 2026 10:00:00 +1000

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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With the second clinical term now underway, interns and junior doctors can finally come up for air. And there's no better time to start getting your finances sorted. We're revisiting this episode because the timing feels just right!

In this episode, join me, Dr Bi Mian, and returning guest Jessica Brady, Money Educator and Financially Fierce Podcast Host, who built accessible online money programs to help everyday Australians after selling her award-winning practice.

Jessica covers conscious cash flow planning, automating your banking for effortless wealth building, goal-setting psychology, insurance considerations for medical professionals, and how to approach your first property purchase as a doctor.

If you want to build sustainable wealth and avoid the money mistakes that trap many young doctors, this one's for you.

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SHOW NOTES LINKS

https://jessicabrady.com.au/

https://au.linkedin.com/in/jessica-brady-21165812

https://podcasts.apple.com/au/podcast/financially-fierce/id1727968994

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Are Doctors Getting Ripped Off By Financial Advisors? Here's the TRUTH | Ep.70

Thu, 16 Apr 2026 10:00:00 +1000

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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We're bringing this one back. You've been asking these questions and this episode has the answers!

In this episode, join me, Dr Bi Mian, and Roger Wheelahan, a financial advisor with over 25 years of experience helping individuals and businesses with succession planning, risk management, and retirement strategies.

Roger shares how doctors can protect their medical practices with strategic buy-sell agreements, why risk insurance is the forgotten foundation of financial planning, and the impact of the Royal Commission on financial advice quality and accessibility in Australia.

He also talks about the truth about superannuation as a tax structure rather than an investment vehicle, the differences between financial advisors and consultants, and the innovative ways to maximise retirement benefits while potentially qualifying for pension cards.

If you want to understand how to properly structure your finances and create tax-efficient wealth strategies that work specifically for medical professionals, then make sure to listen to this episode!

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SHOW NOTES LINKS

Roger Wheelahan’s Links

https://www.linkedin.com/in/roger-wheelahan-8ba53149/
https://smartstartfs.com.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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FIND US HERE

https://medangels.com.au/venture-fund/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

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TIME STAMPS

00:00 - INTRO

00:43 - Roger's Background

05:55 - The Royal Commission Being Like "The Wild West"

08:10 - The Catalyst For the Royal Commission

10:31 - The Transformation of the Financial Planning Industry

12:12 - "Principal Agency Dilemma"

22:09 - FINANCIAL ADVISOR vs FINANCIAL PLANNER

22:52 - AFSL (AUSTRALIAN FINANCIAL SERVICES LICENSE)

24:46 - Financial Advisor: Who Are They Really?

29:01 - Risk Insurance

34:15 - Retirement Planning

40:38 - "Poor Financial Advice Can Make a Huge Difference"

41:52 - Financial Advisor Costs

46:34 - Service Percentage Fee

48:31 - Conclusion

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DISCLAIMER

How Doctors Can Help Fix Healthcare by Investing in the People Solving It l EP 69

Fri, 10 Apr 2026 14:00:00 +1000

In this episode of Investing for Doctors, Dr. Bi Mian sits down with Dr. Amandeep Hansra, RACGP digital health leader and co-founder of Medical Angels, to discuss one of the most exciting opportunities for clinicians today, investing in the healthcare startups changing medicine from the ground up.

We unpack how Medical Angels grew from a coffee shop conversation into Australia's largest clinician-led investment syndicate, what seven years of backing healthcare startups has taught them about picking the right founders, and why the rise of AI makes this the most critical moment for doctors to be at the table.

This episode is for any doctor who has ever wanted to shape healthcare from the outside, not just as a clinician, but as an investor backing the people solving the problems they face every single day.

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TIME STAMPS:

00:00 Hook/Intro

01:19 Medical Angels

02:33 Dr. Bi and Dr. Amandeep's Creative Career Journey

13:35 Investing in health care startups/Finding the right co-founders

20:35 What Dr. Amandeep is looking forward to invest

23"27 Conclusion/Outro

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SHOW NOTES LINKS

If you're interested in learning more about the Medical Angels Venture Fund, visit:

https://www.linkedin.com/in/dr-amandeep-h-b2092623/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

What Doctors Don't Know About Investing in Health Startups l EP 68

Thu, 02 Apr 2026 17:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of Investing for Doctors, Dr Bi breaks down one of the most emotionally charged and economically important topics in Australia today, the cost of housing. We unpack whether Australian property is expensive purely because of supply and demand, or whether our tax settings have played a major role in shaping the market we see today.

We explore how capital gains tax actually works, why the 1999 reforms changed investor behaviour, what the 50% CGT discount really means in practice, and how negative gearing allows property losses to offset high income. Most importantly, we examine how these two policies interact to create powerful incentives for leveraged property investing and long-term capital growth.

This episode is a structural, system-level discussion, not a moral debate about landlords versus renters. It is a clear, rational analysis of the incentives embedded in Australia’s tax framework, who benefits most from them, and whether those incentives may have contributed to housing affordability challenges facing younger Australians today.

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TIME STAMPS:

00:00 Intro/Hook

01:10 Introduction of the speakers

02:13 Rayn from Archangels Ventures Background and Experience

04:09 Dina Tikova's Role at UNSW Founders/Background and Experience

06:37 Amandeep Hansara's Journey and Medical Angels

10:50 The Role of Angel Investors in the Ecosystem

22:29 Rayn's experience in Investing Deep Tech

24:17 Q&A

41:10 Conclusion/Outro

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SHOW NOTES LINKS

https://www.archangel.vc/

https://www.linkedin.com/in/raynong/

https://www.dochansra.com/

https://www.linkedin.com/in/dr-amandeep-h-b2092623/

https://medangels.com.au/

https://www.linkedin.com/in/dinatitkova/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page:

The Startup Investment Strategy Most Doctors Have Never Heard Of | Ep. 67

Thu, 26 Mar 2026 14:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

What do venture capitalists actually look for when someone pitches them? And more importantly, should doctors even be paying attention to startup investing?

In this episode recorded live at the FICO Conference, we sit down with two VCs and a founder who just went through an acquisition to get the unfiltered truth. Samar Mcheileh from Scale Investors, Ben Armstrong from Archangel Ventures, and Michael Wang from Telecare hold nothing back from war stories about deals that didn't work out, to why women-led startups are quietly outperforming everyone else with 35% higher returns.

We cover everything from how VCs actually make decisions, the difference between angel investing and a venture fund, the tax incentives most doctors don't know about, and why your medical background might actually give you an edge that even the top investors don't have. If you've ever been curious about startup investing but had no idea where to start, this one's for you

TIME STAMPS:

00:00 Hook/Intro

01:07 Introduction of the Panel

01:51 Samar's Background and Introduction

07:18 Ben's Background and Introduction

09:45 Michael's Background and Introduction

11:38 Challenges in Venture Capital

19:21 What is Venture Scale?

24:04 Venture Capital Stories

33:00 The difference between Angel Investing and Venture Funding

45:35 Structure and Tax Incentives in Venture Funding

49:35 Question and Answer Portion

55:22 Conclusion/Outro

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SHOW NOTES LINKS

https://www.linkedin.com/in/samarmcheileh/

https://scaleinvestors.com.au/

https://www.linkedin.com/in/benarms/

https://www.archangel.vc/

https://www.linkedin.com/in/michael-wang-8857ba6a/

https://www.telecare.com.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/inves

Inflation: The Silent Tax Stealing Your Wealth (Australia 2026) | Ep. 66

Thu, 19 Mar 2026 15:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----
In this episode of Investing for Doctors, Dr Bi breaks down one of the most quietly destructive forces eating away at every Australian's wealth right now — inflation. If you've ever looked at your bank account and wondered why the same amount of money just doesn't go as far as it used to, this episode is going to explain exactly why that is, how it's measured, and why the number you see in the news probably feels nothing like what you're actually experiencing day to day.

We get into the real drivers behind inflation. From rising production costs to government money printing, why the RBA's interest rate hikes can only do so much, what the Consumer Price Index actually captures and what it conveniently leaves out, and how inflation hits different Australians in completely different ways depending on whether you own assets, hold cash, or are still paying off a mortgage. We also break down which investments actually protect your wealth when inflation rises and which ones quietly bleed you dry without you even noticing.

This episode isn't about predicting where prices are heading next. It's about understanding the mechanics of the silent tax. Who it hurts most, who quietly benefits from it, and what you can actually do right now so your wealth grows faster than inflation can erode it.

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TIME STAMPS:

00:00 Intro/Hook
00:53 What is inflation?
01:56 Causes of Inflation: Demand-Pull and Cost-Push
06:06 Monetary Expansion and Its Role in Inflation
06:59 Measuring Inflation: The Consumer Price Index (CPI)
12:28 Understanding the CPI and Its Limitations
21:24 Impact of Inflation on Different Groups
25:36 Inflation and Investment Strategies
28:38 Interest Rates and Inflation: The Role of the RBA
41:20 Supply-Side Inflation and Its Challenges
43:25 Final Take-home message
47:16 Conclusion/Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

You Insure Your House… But Not Your Income? | Ep. 65

Thu, 19 Mar 2026 15:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----
In this episode of Investing for Doctors, Dr Bi hosts a panel discussion from the FICO Conference on one of the most important but often overlooked foundations of financial planning: managing risk. While many professionals focus on building wealth through investing, this conversation highlights why protecting your ability to earn an income should come first.

Dr Bi is joined by Roger Wheelahan, Managing Director of Smart Start Financial Services, Chris Jurukovski, NSW Adviser at Experien Life Insurance, and Sabrina Walmsley, State Manager at PPS Mutual. Together, they discuss the role of risk insurance including income protection, trauma cover, total and permanent disability (TPD), and life insurance, and why these policies form the foundation that supports long-term financial plans.

This episode is for doctors and high-income professionals who want to better understand how risk insurance works, why it matters, and how protecting your income helps safeguard your broader wealth strategy.

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TIME STAMPS:

00:00 Intro/Hook
01:18 Introduction of speakers and their backgrounds
10:27 Importance of Trust
11:47 Importance of conversation
12:49 Client case study
15:20 Change in Insurance System
20:02 Mental Health Claims
24:33 What to look for in an adviser
28:33 Losing a relationship with an adviser
32:22 Income Protection increasingly unaffordable issue
39:10 Reinstatement Options
42:03 Market Consolidation
42:48 Helpful Resources
46:24 Conclusion/Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://www.experien.com.au/

https://smartstartfs.com.au/
https://au.linkedin.com/in/roger-wheelahan-8ba53149

https://www.ppsmutual.com.au/
https://au.linkedin.com/in/sabrina-sequeira-walmsley-26a2b024

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Property OR Shares? Which One Builds More Wealth? | Ep. 64

Thu, 05 Mar 2026 12:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of Investing for Doctors, recorded live at the FICO Conference, we host a dynamic debate on one of the biggest questions facing high-income professionals: Property or Shares — which one actually builds more wealth? Joining the discussion are Jessica Brady (Money Educator and host of the Financially Fierce Podcast), Roger Wheelahan (Managing Director of Smart Start Financial Services), Munzurul Khan (Chartered Accountant and Chairman of KHI Partners), and Rich Harvey (CEO & Founder of Property Buyer).

Bringing both perspectives head-to-head, the panel explores leverage versus liquidity, diversification versus concentration, behavioural bias, volatility, tax efficiency and the mathematics of long-term compounding. The shares side makes the case for flexibility, global exposure and ETF scalability, while the property side argues for tangible assets, borrowing power, manufactured growth and the structural advantages of leverage.

Through real-world examples and live rebuttals, the conversation helps doctors and high-income earners better understand how each asset class behaves over time, and how to make more intentional, informed decisions about building long-term wealth.

-----

TIME STAMPS:

00:00 Intro/Hook

01:07 Property vs Shares: Introducing the panellist

03:27 Roger Wheelahan - Shares & ETF Side

08:34 Munzurul Khan - Property Side

14:18 Jessica Brady - Shares & ETF Side

19:39 Rich Harvey - Property Side

23:19 Questions and Answers

44:54 Conclusion/Outro

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/jessica-brady
https://jessicabrady.com.au/

https://au.linkedin.com/in/munzurul-khan-7ba6a318

https://au.linkedin.com/in/sydney-buyers-agent

https://au.linkedin.com/in/roger-wheelahan-8ba53149

https://smartstartfs.com.au/

-----

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-----

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-----

DISCLAIMER

Why Housing Is So Expensive in Australia (And What Tax Has to Do With It) | Ep. 63

Thu, 26 Feb 2026 11:00:00 +1100

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-----

SHOW NOTES LINKS

-----

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Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

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-----

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Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Finding Purpose Beyond Financial Independence | Ep. 62

Thu, 12 Feb 2026 11:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of Investing for Doctors, we are joined by Suzi Petrozzi, Clinical and Coaching Psychologist at Body Mind Central, for a different kind of conversation, recorded live at the FICO conference. Instead of focusing on strategies, returns or investment structures, this session slows things right down to ask a more fundamental question. Why are doctors pursuing financial independence in the first place, and what are they really hoping it will give them?

We explore how purpose, presence and self-agency shape not only better life decisions, but better financial ones too. Together, we unpack why burnout and overwhelm are often signs of misalignment rather than failure, why money creates options but does not provide direction, and how learning to say no can be one of the most powerful outcomes of financial independence. This episode is a reflective and grounding conversation for doctors who want to realign their wealth-building journey with what actually matters to them.

-----

TIME STAMPS:

00:00 Hook/Intro

01:17 Guest Introduction

03:56 Finding Purpose: Realising what you do with Why you do it

05:41 The cost of disconnection

06:12 Framework for empowerment

07:11 Presence

12:31 Power

21:03 Purpose

28:20 Potential

30:27 Possibilities

32:43 When we reconnect with our purpose, everything else begins to flow more often

42:33 Comments and questions from the audience

52:13 Conclusion/Outro

-----

SHOW NOTES LINKS

au.linkedin.com/in/suzi-petrozzi-23403958

https://bodymindcentral.com.au/

https://www.facebook.com/BodyMindCentral

-----

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Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

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-----

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DISCLAIMER

Banks LOVE Doctors… So Why Are Their Home Loans Getting Rejected? | Ep. 61

Thu, 05 Feb 2026 12:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of Investing for Doctors, we are joined by Alissa Childs, co-founder of Two Birds One Loan, to break down why getting a home loan as a doctor is often more complex than it should be. We unpack how banks really assess doctors’ income, including PAYG roles with overtime, short-term ABN contracts, multiple employers, and parental leave gaps, and why many doctors are incorrectly told “no” by banks or non-specialist brokers.

We also explore practical case studies on short-term ABN lending, borrowing through trusts and SMSFs, and renegotiating high-interest rates that quietly cost doctors tens of thousands of dollars over time. This episode is a clear, practical guide for doctors who want to understand their true borrowing options and turn rejections into approvals.

-----

TIME STAMPS:

00:00 Hook/Intro

01:28 Introduction of Alissa Childs

03:18 Assessing Income for Salaried Doctors

11:34 Complexities of ABN Income and Multiple Jobs

17:21 Parental Leave and Its Impact on Loan Assessment

24:51 Doctors on short-term income

26:14 Dynamics between Home Loan Residential Bankers, Business Bankers and Private Bankers

31:07 Using Trusts and SMSFs for Borrowing

40:04 Conclusion/Outro

-----

SHOW NOTES LINKS

https://web.facebook.com/twobirdsoneloan

https://www.linkedin.com/in/alissa-childs-8816777a/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

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-----

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-----

DISCLAIMER

If You Already Own Property, This Is the Next Level Most Doctors Miss | Ep. 60

Thu, 29 Jan 2026 12:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of Investing for Doctors, we welcome back Rich Harvey, CEO and Founder of PROPERTYBUYER to take the conversation beyond buy and hold and into the value-add strategies most doctors never hear about. Building on our previous discussion around leverage and portfolio structure, we unpack why many high-income professionals stop too early with property, not because of risk tolerance or lack of opportunity, but because they are unclear on what is realistically possible without becoming a full-time developer.

Rich walks through practical, lower-risk ways doctors can manufacture equity and accelerate passive income, including cosmetic renovations, granny flats, knock-down rebuilds, and passive development strategies. We also explore realistic return benchmarks, risks to avoid, hidden tax considerations, and how doctors can scale safely when time is limited and managing tradies or approvals is not an option. This episode is designed for doctors who already own property and want a clearer framework for what comes next, without chasing hype or overcomplicating their strategy.

-----

TIME STAMPS:

00:00 Intro/Hook

01:31 Rich Introduction

02:43 Advise for people doing value-adding or development activities

03:43 Why do value adding?

05:26 Process of Renovations

10:21 Managing Renovations

11:21 Cosmetic Renovations and Risk Management

14:49 Granny Flats and Structural Renovations

20:03 Knockdown and Rebuild Strategies

30:36 Passive Development and Joint Ventures

34:11 Rooming Houses and High-Yield Investments

36:59 Legislative Challenges and Opportunities

37:43 Syndicated Investment and Group Participation

46:23 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/sydney-buyers-agent

-----

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-----

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-----

DISCLAIMER

Why High-Income Doctors Still Feel Stuck With Property | Ep. 59

Thu, 22 Jan 2026 12:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of Investing for Doctors, we are joined by Rich Harvey, CEO and Founder of PROPERTYBUYER, to challenge the idea that property is simply about owning a home. We unpack why property remains a powerful long-term wealth creation tool for doctors, particularly as a hedge against inflation, and why many high-income professionals stall after one or two purchases due to fear, mindset, and analysis paralysis rather than lack of opportunity.

Rich explains how doctors can use leverage safely, choose the right type of property at different life stages, and avoid common traps such as over-supplied areas or poor structures. We also explore how to keep building when personal borrowing capacity runs out, using strategies across personal ownership, trusts, and self-managed super funds. This episode is a practical guide for doctors who know they have capacity but want a clearer, more confident path forward.

-----

TIME STAMPS:

00:00 Intro/Hook

01:23 Debate on Stocks vs. Property

03:00 Using Property as an Investment Tool

04:01 Doctors' Risk Aversion and Leverage

07:30 Strategies for Overcoming Analysis Paralysis

09:26 The Power of Property for Medical Professionals

13:54 Choosing the Right Property

45:59 Pitfalls to Avoid in Property Investment

44:15 The Role of a Buyer's Agent

47:18 Future Predictions and Market Trends

48:13 Predictions on Property Prices

50:00 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/sydney-buyers-agent

-----

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-----

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-----

DISCLAIMER

If I Were a Young Doctor Starting Today, This Is How I Would Buy My First Home | Ep. 58

Thu, 15 Jan 2026 10:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, mortgage expert Alissa Childs joins us to unpack the real pathways young doctors can use to get onto the property ladder sooner. Many early career doctors feel priced out or overwhelmed by lending rules, not realising they may be eligible for tens of thousands of dollars in incentives, LMI waivers and tax saving strategies that can fast track their first purchase. Alissa shares practical examples from the front lines, including how one client saved $40,000 simply through a scheme change that most buyers never hear about until it is too late.

We break down the major options available to first time buyers, including the 5 percent deposit scheme, doctor specific LMI waivers, parental guarantees, and the First Home Super Saver strategy. Alissa clarifies how each works, the traps to avoid, and why forward planning matters, particularly for interns and registrars who want to buy earlier without needing a huge cash deposit. We also explore the lesser known differences between federal incentives and state based stamp duty or grant rules, and how choosing the right structure can affect borrowing capacity, growth potential and long term portfolio planning.

Whether you want to buy your first home to live in, start with an investment, or simply understand how to position yourself over the next twelve to twenty four months, this episode offers clear, evidence based guidance to help doctors make confident decisions. It is a practical roadmap for anyone who wants to move from feeling stuck to knowing exactly what steps will put them in the best position to buy.

-----

TIME STAMPS:

00:00 Intro/Hook

01:53 Alissa's Background

03:05 First Home Owners Gruarantee to 5% Deposite Scheme

03:51 Lenders Mortgage Insurance

06:04 Details of the 5% Deposit Scheme and LMI Waivers

13:50 Stamp Duty Concessions and First Home Owner Grants

18:26 First Home Super Saver Scheme (FHSS)

26:06 Parental Guarantees and Investment Strategies

36:53 Scenario Planning for New Doctors

40:04 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.twobirdsoneloan.com.au/

https://web.facebook.com/twobirdsoneloan

https://www.linkedin.com/in/alissa-childs-8816777a/

-----

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Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

Male Fertility EXPLAINED: The TRUTH No One Talks About | Ep. 57

Thu, 08 Jan 2026 10:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this follow up episode, fertility specialist Dr Becky Taylor returns to shift the spotlight onto male fertility, an often overlooked part of the conception conversation. While fertility planning is frequently framed as a women’s issue, Dr Taylor explains why male age, genetics and lifestyle play a critical role in embryo health, miscarriage risk and long term child outcomes, particularly for doctors who delay family planning due to training and career demands.

We unpack what actually affects sperm quality, from DNA fragmentation and genetic conditions to factors like smoking, BMI, sedentary work and heat exposure. Dr Taylor explains why semen analysis and early testing matter, how lifestyle changes can meaningfully improve outcomes, and why waiting until problems arise can limit available options for couples. We also explore why both partners should be assessed early, rather than assuming fertility challenges sit on one side alone.

Whether you are planning to have children soon, considering fertility preservation, or want clarity earlier rather than later, this episode offers practical, evidence based insights to support informed decision making. It continues our broader focus on investing not just financially, but in long term life planning, helping doctors align career goals with the realities of fertility and family.

-----

TIME STAMPS:

00:00 Intro/Hook

01:28 Becky's Background

02:35 Male Infertility and Age Factors

08:00 Miscarriage Problems Due to Male problems

10:28 Other Male Infertility problems

11:56 Biopsy and aspiration

16:51 Impact of male lifestyle in having a baby

20:23 Advise for female and male doctors in planning to have a pregnancy

27:26 Fertility Preservation and Embryo Creation

29:54 Companies supporting Egg Freezing

35:02 Challenges and Considerations in Fertility Preservation

38:23 Legislation and Donor Work for Same-Sex Couples

42:26 Conclusion/Outro

-----

SHOW NOTES LINKS

instagram.com/dr.beckytaylor

drbeckytaylor.com.au

facebook.com/drrebecca.beckytaylor

-----

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Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

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-----

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DISCLAIMER

Behind Every Doctor’s Career Is a Fertility Clock Nobody Talks About | Ep. 56

Thu, 18 Dec 2025 12:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, fertility specialist Dr Becky Taylor from Genea, one of Australia’s largest IVF and fertility services providers, joins us to unpack the truth about egg freezing in 2026, and why more doctors are facing fertility decisions later than expected. Behind long hours, extended training pathways and delayed life milestones, many medical professionals are unknowingly trading time for certainty when it comes to family planning.

Dr Taylor shares what she is seeing on the front lines of fertility care, including the growing use of ovarian reserve testing, egg freezing and fertility preservation. We explore how age remains the biggest factor affecting egg quality, why freezing eggs later in life often delivers disappointing outcomes, and how conditions like endometriosis can quietly reduce fertility well before symptoms become obvious.

Whether you are early in your medical career or further along your training journey, this episode offers clear, evidence-based insights to help you plan ahead. It forms part of our broader focus on investing not just in finances, but in long-term life planning, bringing honest conversations and expert perspectives to decisions that shape both career and family.

-----

TIME STAMPS:

00:00 Hook/Intro

01:19 Introduction and Background of Dr. Becky Taylor

03:29 Trends in Fertility and Fertility Preservation

07:07 Ovarian Reserve Assessment and Fertility Preservation Advice

11:50 Impact of younger eggs in ovarian reserves

16:35 Impact of Endometriosis and Polycystic Ovary Syndrome on Fertility

32:59 IVF Process and Egg Freezing

46:28 Challenges and Considerations in Fertility Preservation

48:34 Conclusion/Outro

-----

SHOW NOTES LINKS

instagram.com/dr.beckytaylor

drbeckytaylor.com.au

facebook.com/drrebecca.beckytaylor

-----

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Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

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DISCLAIMER

Separation Explained: The Legal Steps Couples Never Think About Until It Is Too Late | Ep. 55

Thu, 11 Dec 2025 10:00:00 +1100

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this follow up episode, Nadine Udorovic, Partner at Nicholes Family Lawyers, returns to unpack what actually happens when a relationship ends. Most couples only learn the legal steps of separation when they are already overwhelmed, and Nadine brings almost two decades of experience to help shed light on the parts most people never think about until it is too late.

We explore how binding financial agreements work when they are tested in real life, including why a de facto agreement becomes invalid the moment you marry unless it was drafted to survive the wedding. Nadine breaks down the crucial difference between a parenting plan and a parenting order, and why only one is legally enforceable. She also guides us through the realities of modern families, from step-parents and grandparents to teenagers who now have a stronger voice in their own arrangements.

This second instalment goes deeper into the practical realities couples face once separation becomes a legal process, giving you the information most people only discover under pressure.

-----

TIME STAMPS:

00:00 Intro/Hook

01:40 Nadine’s background

02:20 Components of Binding Financial Agreements

03:49 Challenges and Updates in Binding Financial Agreements

05:57 Impact of Binding Financial Agreements on Relationships

11:05 Parenting Agreements and Orders

12:42 Complexities in Blended Families and Grandparental Rights

15:58 Alternative Dispute Resolution Methods

18:41 Mediation and Its Benefits

24:29 Challenges in Collaborative Approaches

27:10 Parenting Orders and Child Agency

38:05 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/nadine-udorovic-7a7a619/

https://nicholeslaw.com.au/

-----

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DISCLAIMER

The Legal Mistakes Couples Make Before Separation (And How to Avoid Them) | Ep. 54

Thu, 04 Dec 2025 12:00:00 +1100

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we sit down with Nadine Udorovic, Partner at Nicholes Family Lawyers, for a conversation most couples only have when it is too late. Nadine brings almost 20 years of experience helping families through separation, and she explains the legal side of relationships that many people misunderstand or never learn about.

We cover when a relationship officially becomes de facto, why prenups and binding financial agreements are becoming more common, and how to protect inherited or gifted assets before they are at risk. Nadine also shares the personal story behind her work and the legacy of her late father, John Udorovic QC, who founded the firm.

Whether you are living together, thinking about taking the next step, or simply want to protect what you have built, this episode shows why early advice can save years of emotional and financial stress.

If you have ever wondered when love becomes law, or what happens if a relationship ends, this episode gives you the clarity most people only seek once things go wrong.

-----

TIME STAMPS:

00:00 Hook/Intro

01:49 Nadine's Introduction and Background

05:53 Continuing the Legacy of John Udorovic QC

06:51 Role of a Family Law Specialist

12:53 The Role of Binding Financial Agreements (BFAs)

16:49 Independent Legal Representation and Client Demographics

23:32 Legal Definitions and Complexities of De Facto Relationships

41:30 The Process of Divorce and Financial Settlements

48:20 Challenges of Parenting Cases

51:18 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/nadine-udorovic-7a7a619/

https://nicholeslaw.com.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

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DISCLAIMER

How Doctors Can Invest in Australia’s Best Medical Innovation (Before It Hits the Market) | Ep. 53

Thu, 27 Nov 2025 11:00:00 +1100

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

We are back with Dina Titkova, Senior Manager at UNSW Founders and the original programme manager of the Health 10x Accelerator, to unpack how Australia’s most promising medical innovation actually becomes a startup. Dina explains why the classic three-month accelerator model does not work in healthcare, and why real progress relies on deep expertise, patient capital, and the right commercial and regulatory guidance at the right time.

In this episode, Dina walks us through the hidden pathway from research discovery to investable company. From grants and non-dilutive funding, to prototyping support, to connecting founders with key opinion leaders, she shows how UNSW helps researchers and clinicians avoid the costly mistakes that slow down most med tech ventures. We also touch on the fast-growing opportunities in women’s health, cardiovascular disease and precision medicine, and why these areas are now attracting serious global interest.

If you are a doctor looking to invest beyond property, or simply curious about how health startups get de-risked and scaled, this conversation will give you a clear window into the future of medical innovation in Australia.

-----

TIME STAMPS:

00:00 Hook/Intro

01:45 Dina Titkova's Role and UNSW Founders

06:41 The Role of Accelerators in Deep Tech

12:49 Case Studies of Health 10x Program Successes

25:21 Challenges and Opportunities in Women's Health Innovation

36:56 The Future of Health Innovation and Global Collaboration

42:40 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/dinatitkova/

https://unswfounders.com/

-----

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-----

DISCLAIMER

Insurance Expert EXPLAINS: Why Your Medical Indemnity Won’t Actually Protect You | Ep. 52

Thu, 20 Nov 2025 22:00:00 +1100

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined once again by Lisa Hiscock, founder of Hakea Insurance Brokers and former reinsurance specialist, for a conversation every doctor needs to hear, what your medical indemnity actually covers, and more importantly, what it doesn’t.

Drawing on her decades of experience across insurance, reinsurance, and medical risk, Lisa breaks down the misunderstood world of protection for clinicians. From malpractice and practice indemnity to property, management liability, and the rising threat of cyberattacks, she reveals how even well-insured doctors can still be dangerously exposed.

We unpack why obstetrics and neurosurgery are among the most expensive specialties to insure, how Australia’s government-backed safety net keeps the system fairer than in the US, and what practice owners need to know before hiring staff or storing patient data online.

Whether you’re starting your first private clinic or already running a busy practice, this episode will help you see insurance not as a box-ticking exercise but as a business survival tool.

If you’ve ever assumed your indemnity has you covered for everything, this is the episode that might just save your practice.

-----

TIME STAMPS:

00:00 Hook/Intro

01:38 Lisa's Background

02:27 Overview of Medical and Dental Insurance Ecosystem in Australia

03:55 Specialty-Based Insurance Risk and Pricing

05:20 Ogden Rates and Severity of Loss

08:06 High-Risk Specialties and Litigation

12:34 For-Profit vs. Membership-Based Organisations

12:54 Medical Indemnity System in Australia

18:44 Practice Indemnity and Its Importance

25:58 Management Liability and Employment Practices

28:24 Property and Business Interruption Insurance

31:28 Cyber Security and Insurance

44:35 Prevention and Preparedness

45:17 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/lisa-hiscock-7308a259/

-----

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-----

DISCLAIMER

The ROI of Trust: How Modern Doctors Grow Their Practice Online | Ep. 51

Thu, 13 Nov 2025 11:00:00 +1100

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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Most doctors don’t want to market themselves. It feels awkward, unprofessional, maybe even unethical. But what if growing your practice wasn’t about self-promotion, it was about trust?

In this episode, marketing strategist Kan Huang joins Dr Bi Mian to unpack what modern patient trust really looks like, and why it’s shifting online faster than most clinicians realise. They explore how doctors can build authority without chasing trends or dancing on TikTok, how to reduce friction so patients can actually find and connect with you, and why simple tools like a video sales letter can transform the way new patients discover your practice.

You’ll also hear why every online effort should be treated like an investment, where consistency compounds into credibility, and your personal brand becomes one of your most valuable professional assets.

Whether you’re a specialist running your own clinic, or a doctor-investor who understands the power of systems and scalability, this episode will change how you think about marketing, reputation, and what it really means to earn patient trust in the digital age.

If you’ve ever thought “I know I should show up online, but I don’t know where to start,” this is exactly where to start.

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TIME STAMPS:

00:00 Intro/Hook

02:03 Starting with Online Presence/Ways and Tactics

11:58 Simplifying Communication and Reducing Friction

15:53 Key components of the website

21:05 Advertising and Organic Content Strategy

26:54 Disseminating Knowledge and Combating Misinformation

36:16 Balancing Entertainment and Professionalism

39:29 Engagement Metrics and Remarkability Decay

43:22 Conclusion/Outro

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SHOW NOTES LINKS

https://tinyurl.com/linkedin-kan-huang

https://www.instagram.com/socialwave.au/

http://www.socialwave.au/

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If I Wanted to Invest in Game-Changing Health Tech, This Is What I’d Do | Ep. 50

Thu, 06 Nov 2025 12:00:00 +1100

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode, we’re joined by Dina Tikova, Senior Manager of Startups at UNSW Founders and the driving force behind the Health 10x Accelerator, to unpack how doctors can turn breakthrough medical innovation into real-world wealth and impact, without leaving medicine.

With over a decade of experience helping medical founders commercialise health tech, Dina reveals what’s actually working in 2025 to bridge the gap between hospitals, universities, and high-growth startups. She explains how the Health 10x program backs ventures tackling the toughest global health challenges, the ones that need regulation, clinical trials, and funding that traditional investors usually avoid.

Together, we explore why Australia has lagged behind the US in translating world-class research into commercial success, what’s finally shifting, and how doctors can play a key role as founders, advisors, or investors. Dina also breaks down how universities are changing the rules, creating new pathways for clinicians to engage with innovation while keeping their medical careers intact.

If you’ve ever seen a life-changing idea get stuck in the system and thought, “Someone should do something about that,” this episode will show you how to be that someone, by investing in the future of healthcare innovation.

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TIME STAMPS:

00:00 Intro/Hook

02:09 Dina's Background

03:01 How Dina Titkov ended up in Australia

07:00 Health 10x Accelerator Program at UNSW Founder

08:38 Types of Companies 10x Accelerator Program Helps

10:04 Challenges and Opportunities in University Commercialisation

12:30 What can we do better in Australia

22:48 Early Career Academic Fellowship Programme

24:42 Improving University Spin-Out Processes

32:07 Clinician-Led Innovation and Health Innovation Precincts

38:40 Engaging Clinicians in Health Innovation

43:38 Conclusion/Outro

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SHOW NOTES LINKS

https://www.linkedin.com/in/dinatitkova/

https://unswfounders.com/

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DISCLAIMER

The information provided in this podcast is for general purposes only and should not be cons

The TRUTH About How Insurance Really Works (and Why Most Investors Get It Wrong) | Ep. 49

Thu, 30 Oct 2025 11:00:00 +1100

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode of Investing for Doctors, Dr Bi Mian is joined by general insurance broker Lisa Hiscock, whose global career spans reinsurance and complex risk underwriting with companies like Lloyd’s of London and AXA. Together, they unpack one of the most overlooked parts of wealth building, how to protect what you’ve already built.

Lisa explains what insurance really is, not just a policy, but a promise to restore you when things go wrong. From how premiums are priced to why reinsurance exists, she breaks down how insurers think about risk, and why climate change, floods, and bushfires are reshaping what’s even insurable. You’ll also hear how underinsurance happens, the traps investors fall into when they renovate or forget to update policies, and why liability cover matters more than most people realise.

For doctors growing wealth outside of medicine, this conversation is your reminder that insurance isn’t a cost, it’s a strategy for risk management. Whether you own clinics, investment properties, or commercial assets, understanding how to structure the right protection can mean the difference between recovering and starting over when disaster strikes.

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TIME STAMPS:

00:00 Intro/Hook

02:11 Lisa Hiscock's Background and Career in Insurance

03:55 Lloyd's of London/Understanding Insurance and Reinsurance

05:40 General Insurance Brokerage and Its Scope

07:46 How Insurance works

16:39 Property Insurance and Its Components

18:28 Owner-occupier Insurance

26:27 Landlord Insurance and Strata Responsibilities

30:29 Aggregation of Insurance Risks and Government Involvement

40:36 Technological Advancements in Risk Assessment

44:07 Services Provided by Insurance Brokers

46:17 Conclusion/Outro

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SHOW NOTES LINKS

https://www.linkedin.com/in/lisa-hiscock-7308a259/

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Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

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DISCLAIMER

The Untapped $10 Trillion Market No One’s Funding (And Why Doctors Should Care) | Ep. 48

Thu, 23 Oct 2025 10:00:00 +1100

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode of Investing for Doctors, Dr Bi Mian sits down with venture capitalist Samar Mcheileh, Managing Partner at Scale Investors, to explore one of the biggest blind spots in the investing world, why venture capital is missing half the market.

Samar reveals how female-led startups receive less than 4% of global funding despite consistently outperforming, and why this gap represents a $10 trillion opportunity hiding in plain sight. She explains how Scale’s new fund is backing women founders in healthcare, disability, climate, and the care economy, turning lived experience into high-impact, high-return innovation.

For doctors, this episode opens a new lens on investing. It’s about using your capital to fund the very problems you see on the frontlines, diversifying beyond property or shares, and supporting ideas that create both financial and social returns.

If you’ve ever wondered how venture capital really works, or how doctors can take part in the next wave of innovation, this conversation will expand your definition of what smart investing looks like.

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TIME STAMPS:

00:00 Hook/Intro

02:09 Introduction to Samara Mcheileh and Female-Focused Fund

02:48 Samar's Journey as Medical Angel

06:27 What does investing mean for Samar

10:10 Journey into Venture Capital and Gender Dynamics

16:56 Economic Opportunity and Market Inefficiencies

28:02 Fund Structure and Investor Support

36:22 Conclusion/Outro

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SHOW NOTES LINKS

https://www.linkedin.com/in/samarmcheileh/

https://scaleinvestors.com.au/

https://www.instagram.com/scaleinvestors/

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Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

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DISCLAIMER

Why Doctors Who Ignore Personal Branding Lose Trust & Referrals | Ep. 47

Wed, 15 Oct 2025 07:00:00 +1100

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode of Investing for Doctors, marketing strategist Kan Huang joins Dr Bi Mian to explore why personal branding isn’t just for influencers. It’s about reputation, trust, and the opportunities you might not even realise you’re missing.

Kan explains why your online presence now matters as much as your clinical one, and how simple steps like using LinkedIn as your virtual CV or making sure your Google profile is accurate can go a long way in building trust at scale. He also introduces a simple framework for understanding how people come to know, like, and trust you.

If you’ve ever wondered whether personal branding really matters in medicine, this episode will change your perspective. It’s a conversation about protecting your reputation, future-proofing your career, and making it easier for the right patients, peers, and opportunities to find you.

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TIME STAMPS:

00:00 Intro/Hook

02:56 Kan’s background

03:49 Reasons to build your personal brand and grow your reputation

08:11 What drives referral behaviour: the know–like–trust factor

12:09 The impact of your name on building a personal brand

19:46 Building your reputation

26:58 Claiming your personal brand

29:37 The power of personal branding for doctors

38:32 Actionable steps to build your personal brand

45:42 Building your offline reputation

50:58 Conclusion / Outro

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SHOW NOTES LINKS

https://tinyurl.com/linkedin-kan-huang

https://www.instagram.com/socialwave.au/

http://www.socialwave.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

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DISCLAIMER

How Doctors Are Investing in Healthcare’s Next Breakthroughs | Ep. 46

Thu, 09 Oct 2025 12:00:00 +1100

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode, we’re joined by Dr Amandeep Hansra, GP, digital health leader, and co-founder of Medical Angels, Australia’s largest clinician-led angel syndicate. Together with Dr Bi, she unpacks how doctors are moving from simply working in the health system to actually shaping its future, by investing in the innovations they wish already existed in their own clinics.

Drawing on her journey from general practice to startup investing, Amandeep reveals why clinicians are uniquely positioned to spot opportunities in healthcare that traditional VCs often miss. She explains how Medical Angels helps everyday doctors access quality deal flow, spread risk across multiple startups, and back founders who are building safer, smarter solutions for patients and practitioners alike.

Whether you’re curious about angel investing, want to diversify your wealth, or simply care about the future of healthcare, this episode shows you how doctors can be more than participants, they can be catalysts.

If you’ve ever thought about backing the future of healthcare, this conversation is your blueprint.

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TIME STAMPS:

00:00 – Intro

01:49 – What is Medical Angels and how it started

03:03 – The origin story: how Dr Bi and Dr Amandeep teamed up

14:04 – Investing in healthcare startups and finding the right founders

21:05 – The future of healthcare innovation: AI, genomics, and beyond

23:57 – Conclusion/Outro

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SHOW NOTES LINKS

https://www.linkedin.com/in/dr-amandeep-h-b2092623/

https://medangels.com.au/

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LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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DISCLAIMER

Non-Clinical Career Options for Doctors Who Want a Change | Ep. 45

Thu, 02 Oct 2025 09:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode, we’re joined by Dr Amandeep Hansra, GP, startup founder, digital health leader, and co-creator of Creative Careers in Medicine, to explore what happens when doctors stop asking, “How do I stay in medicine?” and start asking, “Where else can I make a difference?”

Drawing on her journey from clinical practice to leading roles in telehealth, startups, and policy, Amandeep unpacks why leaving the hospital system isn’t failure, it can be the start of your most meaningful work. She explains how doctors can repurpose their medical expertise across digital health, entrepreneurship, consulting, and policy, and why the real investment is in yourself, not just the next job title.

We also discuss the bigger picture: the silent wave of doctors exploring non-clinical paths, the guilt and shame that often hold them back, and how reframing career “setbacks” as opportunities can unlock new clarity. Whether you’re burnt out, curious about startups, or simply want to rediscover purpose in your work, this conversation will open doors you didn’t know existed.

If you’ve ever wondered whether your medical degree can take you beyond the ward, this is an episode you can’t afford to miss.

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TIME STAMPS:

00:00 – Intro

01:31 – Meet Dr. Amandeep Hansra

04:30 – Redefining What It Means to Be a Doctor

08:23 – The System Is Worse & Doctors Are Suffering

14:48 – “Wasting” Your Medical Degree?

18:50 – The Weight of Being a Decision Maker

21:21 – Doing Work You Actually Love

29:12 – Bottlenecks in Medicine

31:04 – Investing in Yourself

33:22 – Doctor Anxiety & Performance Pressure

38:06 – Conclusion/Outro

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SHOW NOTES LINKS

https://www.linkedin.com/in/dr-amandeep-h-b2092623/

https://medangels.com.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

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DISCLAIMER

NSW Doctors Are Leaving: The Pay Crisis Breaking Our Health System | Ep. 44

Thu, 25 Sep 2025 11:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode, we’re joined by Dr Nicholas Spooner, Emergency Physician and President of ASMOF NSW, to unpack the growing crisis in New South Wales healthcare. Having spent his entire career in the public system, Nick brings a unique perspective on how outdated awards, stalled enterprise bargaining, and pay disparities are driving doctors out of NSW hospitals.

Nick explains why junior doctors here earn up to 30% less than their interstate colleagues, how staff specialists are locked into contracts that don’t reflect modern models of care, and why many are turning to locum or VMO work instead. He also reveals the hidden costs of these shifts, from collapsing teaching and training structures to growing risks for patient safety.

We also explore the broader stakes: unsafe staffing levels, rising burnout, and why psychiatry has been the first specialty to walk away in protest. If you want to understand what’s really happening inside NSW Health, and what it means for your career, your training, and your patients, this is an episode you can’t afford to miss.

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TIME STAMPS:

00:00 Hook / Intro

03:48 Dr Nick Spooner’s Journey & Role at ASMOF NSW

08:12 Impact of Outdated Award System on Junior Doctors

18:40 Pay Disparity & Challenges Attracting Doctors

30:40 Challenges in the Public Health System

31:08 Industrial Action & Mutual Gains Bargaining

39:49 Staff Specialists vs VMOs

45:28 Industrial Action & Workforce Deficit

59:41 Psychiatry Crisis & Government Response

1:07:11 Outro

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SHOW NOTES LINKS

https://au.linkedin.com/in/nicholasspooner

https://www.asmof.org.au/

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LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

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DISCLAIMER

How to Turn Your $2.50 Into Years of Education (and Save Lives) | Ep. 43

Thu, 18 Sep 2025 09:00:00 +1000

In this episode, we’re back with Cassandra Treadwell, founder and CEO of So They Can, diving deeper into how health, human rights, and education intersect in some of the world’s poorest communities.

Cass shares the remarkable story of how $2.50 can unlock years of government funding for a child’s schooling and why investing in girls’ education delivers the highest return of any global initiative. We also explore how So They Can tackles maternal health, child marriage, and female genital cutting with scalable, community-led solutions.

This episode shows how charity becomes true impact when paired with data, accountability, and an exit strategy. If you’ve ever wondered how small, smart investments can break cycles of poverty and create intergenerational change, you’ll leave this conversation with both hope and a new framework for giving.

Here’s the difference we can make together: if just 1,000 listeners gave $100 a year, we could fully fund a So They Can medical clinic in Kenya, changing thousands of lives for years to come.

TIME STAMPS:

00:00 Intro/Hook

02:02Cassandra Tredwell's Background and So They Can’s Mission

03:24 Health and Education Integration

06:57 Challenges and Solutions in Health and Education

10:41 Community Health Projects and Sustainability

13:57 Medical Camps and Community Empowerment

17:04 Challenges of Gender Violence and Cultural Practices

23:01 Impact of Education on Community Development

32:44 Geopolitical and Technological Impact on Development

48:38 Conclusion/Outro

—---

SHOW NOTES LINKS

https://www.linkedin.com/in/cassandra-treadwell-00a22832/

https://www.sotheycan.org/

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LISTEN TO THE PODCAST:

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Apple Podcast: https://apple.co/4iks50N

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Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

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DISCLAIMER

How to Check if a Charity is Legitimate in Australia | Ep. 42

Thu, 11 Sep 2025 17:00:00 +1000

In this episode, join Dr Bi Mian with Cassandra Treadwell, founder and CEO of So They Can, to unpack how doctors can check if a charity is legitimate in Australia and give with confidence. Cass leads an education charity working in Kenya and Tanzania with full DFAT accreditation, and she brings a practical, on-the-ground view of what credible impact looks like.

We cover the big distinctions between a charity, a not-for-profit, and an NGO. More importantly, we show how to treat giving like investing, focusing on accountability, outcomes, and clear reporting.

If you want to direct a portion of your tax to proven programs, avoid common donor traps, and feel certain about where your money goes, this conversation gives you a clean framework to give with purpose, impact, and confidence.

TIME STAMPS:

00:00 Intro/Hook

02:23 Cassandra's Background Where So They Can Started

11:22 What is a charity?

17:54 Registration and Accreditation by ACNC

21:48 How to assess a charity

27:07 Audited annual reports & accountability

31:31 Where So They Can operates

37:26 From $30k to now: how So They Can scaled

47:11 Conclusion/Outro

—---

SHOW NOTES LINKS

https://www.linkedin.com/in/cassandra-treadwell-00a22832/

https://www.sotheycan.org/

-----

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LISTEN TO THE PODCAST:

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Facebook Group: https://www.facebook.com/groups/investingfordoctors

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DISCLAIMER

ATO or Your Kids? Retirement and The Super Trap Explained | Ep. 41

Thu, 04 Sep 2025 08:00:00 +1000

In the final instalment of our three-part series, Roger Wheelahan joins us to explain why the later stages of your career, and the transition into retirement, are often the most overlooked yet financially critical for doctors. One wrong decision at this point could mean 17% of your super goes to the ATO instead of your kids.

We unpack the traps that families fall into when planning too late, from aged care costs eating into inheritances, to poor succession structures leaving loved ones with unnecessary tax bills. Roger also breaks down practical strategies like re-contribution, family trusts, and tax-free estate transfers to protect multi-generational wealth.

You’ll also learn how to guide ageing parents through retirement decisions, avoid common aged care surprises, and set up your own affairs so wealth passes smoothly to the next generation.

If you’re a doctor approaching retirement, or supporting parents who are, this final instalment will give you a framework to reduce stress, save money, and ensure your family, not the ATO, benefits from your life’s work.

TIME STAMPS:

00:00 Intro/Hook

02:24 Retirement and Succession Planning

03:05 Retirement Phase and Taking care of your parents

07:53 Transition to Retirement

11:07 Recontribution Strategy

15:07 Intergenerational Wealth Transfer and Estate Planning

26:20 Aged Care and Financial Planning

33:58 Cultural Considerations in Financial Planning

40:10 The Role of Financial Advisors in Different Life Stages

44:42 Conclusion/Outro

—---

SHOW NOTES LINKS

https://www.linkedin.com/in/roger-wheelahan-8ba53149/

-----

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LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

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Facebook Group: https://www.facebook.com/groups/investingfordoctors

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DISCLAIMER

Diversification, Insurance, and Risk Explained for Mid-Career Doctors | Ep. 40

Thu, 28 Aug 2025 07:00:00 +1000

In this episode, we’re once again joined by Roger Wheelahan, Managing Director and Financial Adviser at Smart Financial Services. Roger explains why mid-career is one of the riskiest times financially for doctors — your income is higher, your responsibilities are stacked, and small mistakes can now cost six figures.

We break down the most common mid-career money mistakes, from being underinsured as your salary and liabilities grow, to letting finances cause friction with your partner, and relying too heavily on property without diversifying. Roger also unpacks why “risk” is really about timeframe, not fear, and how to structure your investments to build lasting wealth.

You’ll also learn how to protect your earning power with the right cover, create financial harmony at home with simple account structures, and think like a future-proof investor who’s preparing not just for your own retirement, but for your kids and even your parents.

If you’re a doctor in your 30s, 40s, or 50s, this episode will show you how to avoid expensive missteps, balance your growing responsibilities, and take control of your financial future with confidence.

TIME STAMPS:

00:00 Intro/Hook

02:00 Mid-career investment journey

03:50 Making sure insurances are up to date

05:05 Managing Financial Tensions and Diversification

12:55 Value of having an Adviser, Property Investment and Financial Advisors

21:18 Risk and Volatility in Investing

31:47 Diversification and Asset Allocation

35:22 Planning for Future Generations

40:45 Retirement Planning for Parents

45:27 Navigating Aged Care and Estate Planning

48:54 Conclusion/Outro

—---

SHOW NOTES LINKS

https://www.linkedin.com/in/roger-wheelahan-8ba53149/

-----

LISTEN TO THE PODCAST

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

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Facebook Group: https://www.facebook.com/groups/investingfordoctors

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DISCLAIMER

Doctors: Watch This As You Start Your Medical Career and Protect Yourself! | Ep. 39

Thu, 21 Aug 2025 09:00:00 +1000

In this episode, we’re joined by Roger Wheelahan, Managing Director and Financial Adviser at Smart Financial Services. Roger reveals why your ability to earn an income is the single most valuable asset you’ll ever own and why protecting it should come before paying off HECS, buying property, or investing in shares.

We break down the four key types of cover every doctor should know, income protection, life insurance, TPD, and trauma, along with the traps in default super and how small changes can save you thousands.

You’ll also learn how to match your insurance and asset structures to each stage of your career, why “you are the ATM” is the most important mindset shift for financial security, and how to set up your super for long-term growth from day one.

If you’re an intern, registrar, or early-career consultant, this episode will show you how to avoid costly insurance mistakes, structure your cover properly, and set up a solid financial foundation that protects everything you’re working for.

TIME STAMPS:

00:00 Intro/Hook

01:42 Guest Introduction

02:24 Role of Financial Advisor and Misconceptions

03:59 The important asset is YOU

05:44 Understanding Debt and HEX Debt

09:15 Insure yourself

13:54 5 D Approach of Risk

15:24 Types of Insurance and Their Importance

24:33 Financial Planning for Married Doctors

33:52 Value of the Financial Adviser

41:14 Structuring Assets and Tax Incentives

49:47 Conclusion/Outro

—---

SHOW NOTES LINKS

https://www.linkedin.com/in/roger-wheelahan-8ba53149/

-----

LISTEN TO THE PODCAST

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Your Savings Account Is Lying to You (What Banks Don’t Want You to Know) | Ep. 38

Thu, 14 Aug 2025 09:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re once again joined by Chris Joye, Chief Investment Officer at Coolabah Capital, one of Australia’s most respected bond investors managing over $15 billion in fixed income assets.

Chris returns to explain why most doctors are still earning less than 4% on their savings while the big banks earn 6–8% using the same money, and how professionals can flip the equation by accessing smarter, safer bond strategies.

We break down what’s changed in the bond market, how to use bond ETFs and direct bond exposure to generate 5–7% returns, and why bonds can be a powerful alternative to term deposits, equities, and even property, especially for investors sitting on cash.

You’ll also learn how US Treasury yields shape global interest rates, what falling RBA rates mean for property prices, and why 2025 might be the perfect time to rethink how you put your capital to work.

If you're holding cash for a home deposit, investment, or future opportunity this episode could save you from missing out on tens of thousands in passive income.

TIME STAMPS:

00:00 Hook/Intro

01:36 Guest's Background and Introduction

02:45 Explanation of US Treasury Bonds and Their Impact

08:22 Comparison of US and Australian Home Loans

11:56 Impact of US Government Debt and Budget Deficits

17:32 Trade Wars and Their Economic Impact

23:22 De-Dollarisation and Its Implications

33:20 Australian Economic Outlook and Challenges

35:05 Investment Strategies for Short-Term Cash

45:43 Managed Funds and ETFs for Higher Yields

47:23 Conclusion/Outro

—---

SHOW NOTES LINKS

https://www.linkedin.com/in/daniellamp/

https://acesse.one/spotify-passive-income-doctor

-----

LISTEN TO THE PODCAST

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

DON’T Keep Cash in Savings (Buy Bonds Instead for 7%) | Ep. 37

Thu, 07 Aug 2025 06:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined by Chris Joye, Chief Investment Officer of Coolabah Capital, one of Australia’s most active bond traders managing over $15 billion in fixed income assets.

Chris breaks down what a bond actually is in simple terms, why most doctors are unknowingly earning less than 4% while the banks earn 6–8% using their money, and how professionals can flip the equation by “becoming the bank” through bond investing.

He also unpacks how bond ETFs are finally becoming retail-friendly, the differences between term deposits, hybrids, and floating-rate bonds, and why liquidity and safety are often misunderstood in the fixed income world.

If you’ve got cash sitting in savings or offset accounts and you're tired of watching it underperform, this episode shows you exactly how to put that money to work. Learn how to unlock 5–7% returns with safety, liquidity, and control and why bonds might be the most overlooked income strategy for professionals in 2025.

-----

TIME STAMPS:

00:00 Hook/Intro

01:53 Guest's Background and Coolabah Capital Investments

05:22 Understanding Bonds and Their Liquidity

13:08 Types of Bonds and Their Risks

19:25 Capital Gains and Losses in Fixed Rate Bonds and FRN

28:42 The Role of ETFs in Bond Investing

30:46 Difference between Bonds and Property investments

39:01 Credit Ratings and Bond Risk Management

41:39 The Liquidity and Efficiency of the Bond Market

44:44 Conclusion/Outro

—---

SHOW NOTES LINKS

https://www.linkedin.com/in/daniellamp/

https://acesse.one/spotify-passive-income-doctor

-----

LISTEN TO THE PODCAST

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

How This Doctor Reshaped His GP Career to Avoid Burnout | Ep. 36

Thu, 31 Jul 2025 06:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined once again by Dr. Daniel Lamp, a general practitioner and host of The Passive Income Doctor podcast, who’s built a diversified medical career beyond the typical clinic model.

Daniel talks about why he stepped away from full-time general practice, how portfolio-style careers are creating new paths for doctors, and the hidden costs of seeing 40+ patients a day.

He also discusses the rise of urgent care and telehealth, how funding structures are reshaping the GP landscape, and why burnout is driving more doctors to rethink their entire career strategy.

If you want to design a sustainable medical career, avoid the trap of trading time for exhaustion, and explore smarter ways to practise while building income and flexibility, make sure to listen to this episode!

-----

TIME STAMPS:

00:00 Intro/Hook

01:20 Dr Daniel’s Portfolio GP Career

02:25 Choosing General Practice and Its Viability

08:17 GP Training and Its Challenges

12:30 Sustainability of General Practice

19:18 Impact of Urgent Care and Telehealth on General Practice

25:03 Traditional GP work and the need for GPs to balance different roles

29:27 Rebranding GP, Future of General Practice and AI in Medicine

33:15 Challenges and Opportunities in Rural and Remote Areas

34:06 AI in medicine and Primary Care

40:31 Healthcare Worker Pay and Strikes

44:25 Conclusion/Outro

-----

FB GROUP

In our latest episode, Dr Daniel Lamp shares why he stepped back from full-time general practice, and what he built instead. Learn how he's designed a more flexible medical career. We also unpack what’s really behind the GP workforce shift, why the system is burning doctors out, and how you can take back control of your time and income.

🎧 Watch the full video here: [Insert FB page Link post]

SHOW NOTES LINKS

https://www.linkedin.com/in/daniellamp/

https://acesse.one/spotify-passive-income-doctor

-----

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LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

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Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The TRUTH About Construction Loans: What Doctors Don't See Coming | Ep. 35

Thu, 24 Jul 2025 08:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined once again by Eloise Dooley, Director and Finance Broker at Two Birds One Loan, and the lending partner for the IFD Group. Eloise talks about why misunderstanding construction financing is more costly than the renovation itself, when a simple equity release is sufficient, and when doctors must opt for a full construction loan.

She also discusses how banks value your home before and after major structural renovations, why progress payments and builder contracts are critical to your project's success, and how running out of cash mid-build can leave you trapped with unfinished projects.

If you want to avoid costly lending traps, navigate renovations with financial clarity, and confidently transform your home without unnecessary stress, make sure to listen to this episode!

-----

TIME STAMPS:

00:00 Hook/Intro

01:43 Eloise Dooley's Background and Commercial Lending Basics

07:28 Lease Doc vs. Full Doc Loans

17:53 Navigating Commercial Lending Processes

24:02 Choosing the Right Lender and Managing Risks

32:30 Annual Reviews and Loan Rollovers

37:37 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/elouisehaynes/

https://www.twobirdsoneloan.com.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

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Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Buyer’s Agent EXPLAINS: How Doctors Can Actually Retire on Property | Ep. 34

Thu, 17 Jul 2025 12:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we're once again joined by Rich Harvey, buyer’s agent and founder of Property Buyer. Rich shares what it really takes to go from dabbling in property to building a scalable, income-generating portfolio, especially for doctors who feel stuck after buying one or two properties.

Rich breaks down how to reverse engineer your target passive income figure, why $250K per year from property is achievable with the right strategy, and how debt recycling and equity play a much bigger role than most doctors realise.

He also discusses why many high-income professionals hit a lending wall, how to restructure through trusts and asset protection, and the real cost of procrastination, especially if you’ve been sitting on the sidelines post-COVID.

If you want to escape the trap of small-scale investing, scale your property portfolio like a seasoned strategist, and finally understand what it takes to build long-term passive income from property, make sure to listen to this episode!

TIME STAMPS:

00:00 Intro/Hook

01:43 Rich's Background

02:32 How to build your portfolio

06:39 Reverse Engineering Your Numbers

08:58 Overcoming Serviceability Constraints

12:57 Competition in Rental

18:05 Structuring Property Investments

22:45 Starting Your Investment Journey + Role of Financial Advisers

26:11 Impact of Labor's Housing Plan (1.2M Dwellings)

33:29 Negative Gearing in Australia

43:39 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/sydney-buyers-agent/

https://www.propertybuyer.com.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The information provided in this podcast is for general purposes only

This Doctor Built an 11-Property Portfolio on a $70k Salary (Here’s How) | Ep. 33

Thu, 10 Jul 2025 09:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined by Dr. Daniel Lamp, a General Practitioner and the host of Passive Income Doctor Podcast. Dr. Lamp shares his journey of building a property portfolio from scratch, starting with a modest $70k salary and growing it to 11 properties.

Dr. Lamp breaks down how he scaled his portfolio in the early years by focusing on smart investments instead of relying on outdated advice, why selling one property enabled him to buy eleven more, and how structuring investments through trusts gave him the ability to unlock more lending power.

He also discusses the key lessons he learned from buying his first property at 23, how he navigated the challenges of a changing property market, and why he believes patience and a strategic mindset are essential for long-term success in property investing.

If you want to learn the strategies that allowed a doctor to build wealth despite a low salary, understand how to leverage trust structures for property success, or discover the truth about scaling a portfolio in today’s market, then make sure to listen to this episode!

-----
TIME STAMPS:

00:00 - Intro/Hook
01:42 - Daniel’s Background
02:38 - Daniel’s Investment Journey
04:55 - First Property Investment: What It Took
08:50 - Regrets About His First Property Investment
13:42 - Rental Yield Back Then vs Now
14:41 - Lending Then vs Now: What’s Changed
15:41 - How Daniel Built His Property Portfolio
19:32 - From Individual Name to Discretionary Trust with a Corporate Trustee
22:25 - What’s Next After Building 11 Properties?
24:43 - The Limits of Owning Multiple Properties
26:10 - Housing Affordability in Australia
28:06 - What Would Happen If Everyone Could Only Own One Property?
36:40 - Is Property Still a Good Investment for the Future?
45:20 - Why Finding Property Was Easier Back Then
48:31 - The Concept of Negative Gearing Explained
49:24 - What If the 50% Capital Gains Tax Discount Was Removed?
51:04 - Conclusion/Outro

-----

SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://www.linkedin.com/in/daniellamp/
https://open.spotify.com/show/4qMjSnnyvChQYShMop4lfC?si=dfada7b2a6174a19

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

This One Clause Could Kill Your Multi-Million Dollar Practice Exit | Ep. 32

Thu, 03 Jul 2025 08:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined by Justin Fung, Head of Commercial & Corporate and General Manager at Avant Law. Justin has advised countless doctors on how to scale, structure, and sell their medical practices while avoiding the legal traps that often surface too late, when someone wants to exit.

Justin breaks down why outdated shareholders agreements are one of the biggest risks to your future exit, how practices fall apart during sale negotiations due to unclear valuation and partner misalignment, and why legal documents should evolve with your business, not sit in a drawer for 20 years.

He also explores the most common payroll tax and employment law issues in medical practices, how to structure buy-ins for new doctors without triggering disputes, and what corporate buyers look for when acquiring a clinic. From clean contracts to proper governance and clear succession plans.

If you want to protect your equity, scale your practice with confidence, and avoid legal disasters that could kill your exit strategy, then make sure to listen to this episode.

-----

TIME STAMPS:

00:00 Hook/Intro

01:28 Guest Background

02:01 Buying and Selling a Practice

03:18 Process of Cardiologist setting up a Practice

04:48 Engagement of a Lawyer when setting up a Practice

07:29 Exercising your Option

09:02 Engagement of a Lawyer when Buying a Practice

10:11 Shareholders Agreement

13:31 Employment Law

18:11 Two forms of Contractor

22:56 Employment Arrangements

25:07 Difference between Constitution and Shareholders Agreement

34:36 Structure Valuation

38:45 Process of a Big Corporate Buying a Practice

50:18 Process of Buying Other Practice

52:27 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/justin-fung-53a9647b/?originalSubdomain=au

https://avant.org.au/law

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The TRUTH About Labor’s $3M Super Tax That Most Doctors Don’t Understand | Ep. 31

Thu, 26 Jun 2025 08:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined by Munzurul Khan, Principal, Founder and Chair of KHI Partners, and Rich Harvey, CEO & Founder & Buyers Advocate of Propertybuyer. Two of Australia’s most respected voices in strategic wealth and property investment.

Munzurul and Rich break down the proposed $3 million super cap, including what most professionals misunderstand about “unrealised gains,” why it’s not as scary as it sounds, and how the mechanics of the tax actually work (hint: it’s not a blanket 30% on your asset growth). *Please note that the proposed changes have not been passed into legislation yet and could be subject to change.

They also unpack the next phase of the property cycle, why interest rate cuts could trigger a major buying opportunity, and how high-income professionals can protect, and even grow their wealth inside SMSFs, despite legislative uncertainty.

If you want to stay calm, invest smart, and make confident decisions about your super and property strategy in 2025 and beyond, make sure to listen to this episode.

-----
TIME STAMPS:

00:00 Intro/Hook

02:03 Interest Rate Cuts and Their Economic Impact

09:53 International Relationship Impact on the Economy

16:53 Affordability in Homes

18:45 Impact of Social Media in Investing

20:44 Labor's Proposed Legislation on Superannuation Assets

27:48 The Complexity of Taxing Unrealised Gains

37:19 The Role of Legislation and Policy in Investment Decisions

43:18 The Future of Property Investment and Economic Stability

47:28 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/munzurul-khan-7ba6a318

https://www.linkedin.com/in/sydney-buyers-agent/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The TRUTH About Commercial Property Loans for Doctors in 2025 | Ep. 30

Thu, 19 Jun 2025 09:00:00 +1000

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined by Eloise Dooley, Director and Finance Broker at Two Birds One Loan, and the lending partner for the IFD Group. Eloise has helped hundreds of doctors navigate the complex world of commercial finance, from practice purchases to portfolio expansion, by teaching them how to borrow strategically and avoid unnecessary risk.

Eloise breaks down why most doctors get rejected for commercial property loans, how treating them like residential loans leads to missed approvals, higher interest rates or signing contracts without secured finance, and why your personal servicing position often plays a smaller role than you think.

She also explores the key differences between Full Doc and Lease Doc loans, how lender appetite changes based on asset type and location, and why your approval often depends on lease strength, deposit structure and the story you present.

If you want to avoid the most common lending mistakes doctors make, structure your next deal with confidence and protect your borrowing power for the long term, then make sure to listen to this episode.

-----

TIME STAMPS:

00:00 Hook/Intro

01:43 Elouise Dooley's Background and Commercial Lending Basics

07:28 Full Doc vs Lease Doc Loans

17:53 Navigating Commercial Lending Processes

24:02 Choosing the Right Lender and Managing Risks

32:30 Annual Reviews and Loan Rollovers

37:37 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/elouisehaynes/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

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Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

42 Minutes to Smarter Tax Moves Before EOFY 2025 | Ep. 29

Thu, 12 Jun 2025 08:00:00 +1000

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined by Munzurul Khan, Principal, Founder and Chair of KHI Partners, one of Australia’s most trusted accounting and advisory firms for medical professionals specialising in tax planning, investment structuring, and strategic wealth advice for doctors across all career stages.

Munzurul breaks down why most doctors are quietly overpaying tax each year without realising it, how missed timing, not missed deductions, is the real danger before June 30, and why good tax planning has less to do with your accountant and more to do with your actions now.

He also explores when to prepay vs. delay, how to maximise super contributions without locking yourself out later, and the real cost of saying “yes” to tax-deductible expenses you didn’t actually need.

If you want to stop giving away money to the ATO, make smarter EOFY decisions, and build a financial plan that aligns with your long-term goals as a doctor, then make sure to listen to this episode.

-----

TIME STAMPS:

00:00 Hook/Intro

01:21 Introduction of Guest

01:45 Things you need to do before taking over the next Financial Year

02:40 Deductions for Individual Tax Returns

06:13 Investment Property and Deductions

12:19 Superannuation Contributions and Strategies

15:48 Legislative Changes and Future Planning

20:31 Substantiation and Audit Preparation

25:28 Timing and Permanent Differences in Tax Planning

35:01 Continuous Tax Planning and Accountant Relationships

38:07 Final Advice and Recommendations/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/munzurul-khan-7ba6a318

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Your Biggest Legal Risk Isn’t Malpractice, It’s THIS | Ep. 28

Thu, 05 Jun 2025 10:00:00 +1000

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined by Justin Fung, General Manager and Head of Commercial and Corporate at Avant Law, one of Australia’s leading healthcare-focused law firms, designed to support doctors through every stage of their professional journey from setting up a practice to planning an exit.

Justin breaks down why malpractice isn’t the legal risk that catches most doctors off guard, how lease terms, business structures, and partnership agreements can quietly cost you six figures, and what a healthcare-savvy lawyer can offer that a generalist simply can’t.

He also explores how to approach practice sales the right way, why employment disputes are becoming more common for doctors in private practice, and how to find a legal partner who understands the medical landscape and can grow with your business.

If you want to protect your practice, avoid preventable legal mistakes, and build a future-ready medical business with confidence, then make sure to listen to this episode.

-----

TIME STAMPS:

00:00 Hook/Intro

01:51 Justin’s Background – Who is Avant Law and How Do They Help Doctors?

05:41 Process of Becoming a Lawyer

12:24 Difference Between a Commercial Lawyer and Corporate Lawyer

15:21 Understanding Employment Law

17:32 Other Branches of Commercial Law

20:20 How Lawyers Assist Doctors with Personal Legal Issues

23:23 Common Family Law Issues and the Role of Lawyers

25:43 Criminal Law and Its Implications for Doctors

27:34 Other Specialised Areas in Corporate and Commercial Law

29:02 Differences Between Tax Lawyers and Accountants

30:40 Attorney-Client Privilege and Confidentiality

32:49 Summary of the Different Branches of Law

33:12 How to Choose the Right Lawyer

36:45 Exclusive benefits for Avant members

42:00 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/justin-fung-53a9647b/

https://avant.org.au/law

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Should Doctors Use Super to Buy Property? What You Need to Know About SMSFs | Ep. 27

Thu, 29 May 2025 08:00:00 +1000

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re once again joined by Nafees Huda, Chartered Accountant and Partner at KHI Partners,alongside financial expert Roger Wheelahan from Smart Start Financial, back together to demystify one of the most powerful (and misunderstood) tools in a doctor’s investment toolkit: the self-managed super fund (SMSF).

They break down why so many doctors rush into SMSFs without a clear plan, what a properly structured SMSF actually looks like, and how to invest in property through super without triggering tax or compliance headaches.

They also explore how doctors can use their SMSF to lease their own medical rooms, why the ATO holds you personally responsible for any missteps, and how having the right professional team can turn your super into a serious wealth-building strategy.

If you want to make smart financial decisions that could save you thousands in tax and set you up for a stronger retirement as a medical professional in Australia, then make sure to listen to this episode.

-----

TIME STAMPS:

00:00 Hook/Introduction

02:42 What is SMSF, and why is there an SMSF

06:54 Where to find the best advice for SMSF

09:04 Importance of a Financial Planner when setting an SMSF

10:33 Should and should not get an SMSF for

13:14 Using SMSF to invest in a property or the stock market

20:22 Structuring SMSF

28:18 Purpose of getting an SMSF

33:21 Case study

36:40 Importance of numbers

39:20 SMSF is a tax-privileged structure

43:19 Transferring assets into an SMSF

45:26 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/nafees-huda-42671040/

https://www.linkedin.com/in/roger-wheelahan-8ba53149/
https://smartstartfs.com.au/

-----

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The Most Important Document in Your Estate Plan (That Isn’t Your Will) | Ep. 26

Thu, 22 May 2025 17:00:00 +1000

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined once again by estate planning solicitor Tyrone Dutt, who returns to unpack one of the most overlooked risks in estate planning: what happens when you lose the ability to make decisions, but you’re still very much alive.

Tyrone explains why your Will can’t protect you in these situations, how enduring powers of attorney and guardianship actually function, and the serious legal and financial consequences of choosing the wrong person to act on your behalf.

We also cover what happens when assets are sold during incapacity, how estate plans can quietly unravel, and what doctors need to know to avoid family disputes and irreversible mistakes.

If you care about protecting your independence, your wishes, and your estate, make sure to listen to this episode!

----

TIME STAMPS:

00:00 Hook/Intro

01:13 What happens when you're not quite dead but can't make decisions?

02:39 Testamentary Capacity

03:48 Capacity Check on a Client

05:18 Power of the Attorney

07:04 Temporary and Permanent Incapacity

11:58 Guardianship

14:53 Appointing the right people

22:34 Advance healthcare directives

27:32 Following Advance healthcare directives

29:25 Conflict in the Law

35:06 Estate planning should be tailored

37:30 Lifestyle wishes and financial wishes conflict

39:28 Guardianship tribunal

42:30 Capacity issue of the will

45:30 Conclusion/Outro

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/tyronedutt
https://www.facebook.com/3mpireLaw

https://empire.law/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

How Doctors Can Build a $20M Property Portfolio Without Running Out of Borrowing Power | Ep. 25

Thu, 15 May 2025 06:00:00 +1000

Join 26,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we’re joined by Nafees Huda, a Chartered Accountant and Partner at KHI Partners, and Alissa Child, Director and Finance Broker at Two Birds One Loan.

They talk about why many doctors hit a borrowing ceiling after a few properties, the dangers of poor structuring, and how the right setup can preserve borrowing capacity for future investments.

They also discuss what makes a trust self-sufficient, how bucket companies can be used as a family bank, and why a long-term strategic plan is essential for doctors building serious wealth.

If you want to grow your property portfolio without getting stuck or paying more tax than you need to, make sure to listen to this episode!

-----

TIME STAMPS:

00:00 Intro/Hook

01:17 Nafees and Alissa's Background

05:07 Initial Property Loans and Long-Term Goals

08:46 Setting Up the Right Entities

12:44 Borrowing Capacity and Structuring Strategies

15:36 Trusts and Company Structures for Property Investments

22:09 Capitalise the Trust and Depreciation, and Non-Concessional Contributions

25:31 Trust is Self-Sufficient Letter of Accountant

28:38 Borrowing More Money

31:55 Market Company Trust

33:56 Borrowing from a Company

34:51 Bought a Property in a Company

38:22 Borrowing Within a Trust or a Company

41:20 Lease Stock and Commercial Property Investments

46:38 Conclusion/Outro

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/nafees-huda-42671040/

https://www.linkedin.com/in/alissa-childs-8816777a/?originalSubdomain=au

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

https://ifdgroup.com.au/duotax

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Property Valuation Explained for Doctors: Avoid These Expensive Mistakes | Ep. 24

Thu, 08 May 2025 08:00:00 +1000

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of the Investing for Doctors Podcast, join me, Dr Bi Mian, as I sit down with Tuan Duong from Duo Tax to discuss how property valuations, when done right, can become a strategic tool to help doctors reduce tax, protect wealth, and make smarter property decisions.

Tuan talks about why getting a valuation at the exact time of changing a property's use could save you thousands in CGT, how to navigate family property transfers without falling into legal traps, and the biggest misconceptions doctors have about "fair market value."

If you want to avoid costly valuation mistakes, use tax law to your advantage, and build long-term property wealth with confidence, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://www.linkedin.com/in/duoquantitysurveyors/

Tuan’s Links

https://duotax.com.au/

https://www.instagram.com/duotaxqs/

https://www.facebook.com/duotax

https://www.tiktok.com/@duo_tax

-----

LISTEN TO THE PODCAST

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 – Introduction

01:30 – Thresholds and Unrealized Gains

03:15 – SMSF Investing Trends

05:00 – Leveraging SMSF for Property Purchase

07:45 – Depreciation and Valuation Reports

09:30 – Private Valuers vs. Bank Valuations

12:00 – Land Tax Objections

14:30 – Utilisation of Valuation Services

17:00 – Interaction with ATO and State Revenue Offices

19:15 – Construction Valuations and Quantity Surveyors

22:00 – Differences Between Valuers and Quantity Surveyors

24:30 – Challenges in Valuing Unique Properties

26:00 – Conclusion and Future Discussions

-----

DISCLAIMER

The Lending Trap Doctors Fall Into When Changing Careers (And How to Escape It) | Ep. 23

Thu, 01 May 2025 06:00:00 +1000

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of the Investing for Doctors Podcast, we sit down with Alissa Childs from Two Birds One Loan to discuss how doctors can navigate lending and borrowing during major life changes, such as starting a family, returning to study or switching careers.

We talk about why being newly self-employed doesn’t have to ruin your chances of getting a loan, how specialist medical lending teams in banks can offer doctors more flexibility than standard brokers ever could, and the main reason many doctors wrongly believe they need two years of tax returns before they can borrow.

We also discuss how starting a family and parental leave can significantly impact your serviceability, the unexpected role of private school fees in determining your borrowing power, and MORE.

If you want to make smart, strategic lending decisions as a doctor, no matter what life throws at you, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/alissa-childs-8816777a

Alissa’s Links

https://www.facebook.com/twobirdsoneloan

https://www.instagram.com/twobirdsoneloan/

http://www.linkedin.com/company/two-birds-one-loan

-----

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 – Intro: Why Doctors Struggle With Borrowing Despite High Incomes

02:25 – Maternity Leave & Part-Time Work: How Banks Really View It

06:12 – Planning Ahead: Get Pre-approval Before You Go On Leave

09:45 – The Impact of Returning to Work Slowly (1-2 Days/Week)

11:50 – Parental Leave Structures: How to Prove Your Return to Income

20:10 – How Equity Release Can “Remove” School Fees From Your Expenses

23:50 – $330K Equity Release Case Study for Twins at Private School

28:22 – Can You Borrow to Fund a Fellowship or PhD? (The Honest Answer)

30:40 – PhD Stipends Are Tax-Free… but Don’t Count as Income?!

36:10 – Mainstream vs Non-bank Lenders: Who’s More Flexible?

38:30 – Why You Should Never Take the First “No” From a Bank or Broker

40:00 – Community Wisdom: How 27,000 Doctors Are Helping Each Other Navigate Finance

42:00 – Final Thoughts: Plan Ahead, Know the Rules, Beat the System

-----

DISCLAIMER

Doctors: Is Your Advisor Charging You More as You Earn More? | Ep. 22

Thu, 24 Apr 2025 08:00:00 +1000

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of the Investing for Doctors Podcast, we sit down with financial expert Roger Wheelahan to discuss the real role of financial advisors and why many people misunderstand or mistrust the financial planning industry.

We talk about why the common belief that you can “just use a brokerage account” is misleading, how the flat-fee model provides more value than traditional percentage-based fees, and the crucial difference between an advisor who sells products and builds a holistic financial blueprint tailored to your life.

We also discuss how poor advice can cost you thousands (including how Roger saved someone from a $100,000 scam), the tax traps hiding in superannuation inheritance, and the overlooked value of having a financial “family coach” who can navigate everything from property structuring to estate planning.

If you want to understand the hidden value a good advisor brings and learn how to future-proof your wealth across life stages, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

Roger Wheelahan’s Links

https://www.linkedin.com/in/roger-wheelahan-8ba53149/
https://smartstartfs.com.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 - Intro

01:19 - Roger's Background

02:15 - Debunking Financial Myths and Misunderstanding

04:41 - The Ethics of Commissions in Insurance

08:59 - Hidden Incentives in the Finance Industry

12:17 - Trust, Regulation & How to Research Your Advisor

14:57 - The Value of Long-Term Advice & Education

17:14 - Why Some Advisors Recommend Moving Your Super

22:20 - Case Study: Helping a Client

26:27 - Research Your Financial Adviser

29:56 - Client's Complaint

32:43 - Tax Deductibility of Financial Advice

36:49 - Critiques of the Industry & Churning Practices

38:43 - Conclusion

-----

DISCLAIMER

A Will Isn’t Enough for Doctors — Here’s What Is | Ep. 21

Thu, 17 Apr 2025 06:00:00 +1000

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of the Investing for Doctors Podcast, we sit down with estate planning solicitor Tyrone Dutt to unpack one of the most misunderstood areas of wealth protection — what actually happens to your assets when you die.

We dig into the critical documents every medical professional needs but most don't have — wills, enduring guardianships, binding death benefit nominations — and how your family could end up fighting in court if you get this wrong.

We cover the key estate planning mistakes doctors make, the legal traps hiding in your superannuation, and why relying on your will alone might not be enough to protect your loved ones.

You’ll also learn how blended families, second marriages, and dependents from different relationships can complicate even the simplest estates — and how to bulletproof your plan before it’s too late.

If you're building wealth but haven’t thought about what happens after you're gone — this episode is your wake-up call!

-----

TIME STAMPS:

00:00 – Hook/Intro

01:20 – Why Estate Planning is a “Gap” for Doctors

03:00 – What is a Will (and what it doesn’t cover)

05:25 – Enduring Guardian vs Power of Attorney

08:15 – The Documents Every Doctor Needs

11:00 – Why Your Will Doesn’t Control Your Super

14:30 – The $2M Insurance Trap in Super Funds

17:05 – Who Actually Gets Your Super When You Die?

19:10 – How Blended Families Complicate Everything

21:40 – Common Misconceptions About Binding Death Nominations

24:25 – Why Some Super Funds Don’t Let You Nominate Parents

26:30 – Tax Consequences of Poor Estate Planning

29:00 – Structures to Minimise Risk and Maximise Certainty

32:20 – Why Every Doctor Needs This Conversation

34:10 – Teaser: Incapacity Documents in the Next Episode

35:00 – Outro & Disclaimer

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/tyronedutt
https://www.facebook.com/3mpireLaw

https://empire.law/

-----

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE:

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER:

NSW Health Is FALLING APART (And No One’s Listening) | Ep. 20

Wed, 09 Apr 2025 06:00:00 +1000

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of the Investing for Doctors Podcast, I sit down with fellow colleague Dr Lex Narushevich to unpack the harsh realities many hospital doctors in NSW are facing — from unsafe rosters and unfair pay gaps to the emotional toll of systemic neglect. Lex shares firsthand insight into what’s really happening inside our hospitals, and why reform is no longer optional — it’s urgent.

We explore the "gaslight and guilt" culture, broken salary structures, unpaid non-clinical work, and the mounting pressure on clinicians across specialties.

Whether you're a trainee, consultant, or working outside NSW, this episode will resonate deeply — and might just light a fire.

-----

TIME STAMPS:

00:00 - Hook/Intro

01:28 - Lex's Background/Disclaimer

01:45 - The “Gaslight and Guilt” Problem

04:20 - Unsafe On-Call Rosters

07:00 - Systemic Health Issues Beyond ED

10:05 - NSW vs Other States: Pay & Conditions

13:30 - The Locum Pay Gap

16:20 - Study Leave (TESL) – A Broken System

18:50 - Salary Packaging & Tax Inequities

21:15 - Poor Pay for Unsociable Hours

24:00 - Staff Specialists Working for Free?

26:10 - Non-Clinical Work: Unpaid & Essential

28:00 - Contract Changes & Forced Redeployment

30:25 - Night Shift Burnout with No Incentives

33:15 - Unfilled Training Positions in NSW

35:00 - Emergency Departments as a Warning Sign

37:10 - Psychiatry Workforce Crisis

39:30 - Reform or Collapse?

41:00 - “Goodwill Doesn’t Pay the Bills”

43:00 - NSW Government Negotiation Deadlock

44:30 - Final Thoughts: Why This Matters

45:45 - Outro & Disclaimer

-----

SHOW NOTES LINKS

-----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Forget Tax Returns: Why Modern Doctors Need a Strategic Accountant | Ep. 19

Thu, 03 Apr 2025 06:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of Investing for Doctors Podcast, join me, Dr Bi Mian, as I sit down with Munzurul Khan, Chairman at KHI Partners, to discuss how doctors can move beyond earning high incomes and start building generational wealth strategically.

Munzurul breaks down why most doctors unknowingly limit their financial potential, the critical investment strategies that separate wealthy doctors from those stuck in the cycle of trading time for money, and how thinking in 30-year wealth cycles can give you financial freedom faster than expected.

He also unpacks the biggest financial blind spots doctors face, how to structure your investments for maximum tax efficiency and asset protection, and why the right financial team (accountant, mortgage broker, and financial planner) can make or break your wealth-building journey.

If you want to go beyond basic tax strategies and learn how to structure your finances for long-term security, freedom, and wealth creation, then make sure to listen to this episode!

-----

TIME STAMPS:

0:00 - Introduction

1:15 - The challenges and importance of financial planning for doctors

3:45 - Why financial literacy is key for medical professionals

6:30 - Understanding investment strategies tailored for doctors

9:50 - Navigating tax planning and compliance efficiently

12:40 - Real estate investments and diversification strategies

16:20 - Balancing personal wealth with professional growth

19:05 - Family wealth management: Helping parents with finances

22:30 - The role of accountants in multi-generational wealth transfer

26:15 - Structuring financial plans for different life stages

29:40 - Succession planning within accounting and client relationships

33:10 - The importance of teamwork in delivering financial services

36:25 - Why strong client relationships matter in long-term success

39:55 - Staying grounded while growing a financial practice

42:20 - Final thoughts and key takeaways

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/munzurul-khan-7ba6a318

-----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Why Doctors Need a Long-Term Property Strategy (Not Just a High Income) | Ep. 18

Thu, 27 Mar 2025 06:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode of Investing for Doctors Podcast, join me, Dr Bi Mian, as I sit down with Munzurul Khan, Chairman at KHI Partners, who went from a sceptical first-time investor to owning a diversified portfolio across Sydney, Brisbane, Melbourne, and beyond.

Munzurul shares how a single piece of advice from his father changed his financial trajectory forever, why his first property felt like a mistake (but ended up being his smartest move), and the strategic mindset shift that allowed him to scale from one property to many.

He also reveals why most investors overcomplicate property investing (and what actually works), how commercial property became his secret weapon for building passive income, and why the future of wealth creation may not be in Australia.

If you want to understand the mindset, strategy, and long-term vision needed to build a strong property portfolio, then make sure to listen to this episode!

-----

TIME STAMPS:

00:00 - Introduction – Welcoming the guest and setting the stage

01:45 - Understanding Trust Structures in Property Investment

04:20 - How Banks View Trusts & Borrowing Capacity

07:10 - The Strategy of Using Multiple Trusts – Pros & Cons

10:30 - The Costs of Setting Up and Running Multiple Trusts

13:45 - The Importance of Long-Term Investment Perspective

17:20 - Land Tax Thresholds & How to Navigate Them

20:15 - Why Land Tax Is a Challenge for Investors

23:40 - The Power of Compounding in Wealth Building

27:10 - Lessons from Warren Buffett on Long-Term Investing

30:25 - Avoiding the Mistake of Short-Term Investment Thinking

33:50 - Buying the Right Property vs. Just Buying Any Property

36:15 - Holding Properties for the Long Term – The Key to Wealth

39:00 - Guest’s Personal Investment Journey & Retirement Mindset

42:30 - Final Thoughts & Advice for Investors

45:00 - Outro & Disclaimer

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/munzurul-khan-7ba6a318

-----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

https://www.linkedin.com/in/duoquantitysurveyors/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The Hidden Tax Deductions Doctors Are MISSING | Ep. 17

Thu, 20 Mar 2025 06:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, we sit down with Tuan Duong, an expert in tax depreciation and the Founder of Duo Tax, to uncover the tax deductions that many property investors overlook. Tuan shares his insights on how investors can maximise their returns by leveraging depreciation schedules, the impact of renovations on tax benefits, and the role of quantity surveyors in identifying valuable deductions.

With access to cutting-edge technology like RP Data and CoreLogic, professionals like Tuan can assess properties on the spot, ensuring investors get the deductions they’re entitled to—sometimes amounting to thousands of dollars.

He also explains how Duo Tax conducts due diligence before clients commit to any payments, giving them confidence in their investment decisions.

If you own an investment property or plan to, this episode is a must-listen! You could be leaving money on the table without even realising it.

-----

SHOW NOTES LINKS

https://duotax.com.au/

https://www.instagram.com/duotaxqs/

https://www.facebook.com/duotax

https://www.tiktok.com/@duo_tax

https://ifdgroup.com.au/duotax

-----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

http://www.linkedin.com/in/steve-palise/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 – Intro

01:15 – What is property tax depreciation?

02:52 – How much can investors claim?

04:37 – Common mistakes investors make

06:22 – How to check if your property qualifies

08:05 – The role of a tax depreciation specialist

09:58 – The importance of due diligence

11:45 – Using technology for instant tax assessments

13:10 – Why Doctors should act now

14:25 – How Duo Tax ensures accuracy

17:30 – Why due diligence matters before you pay

19:10 – Understanding tax deductions over time

20:45 – How Doctors can make informed decisions

22:12 – The power of modern technology in tax assessments

23:40 – The responsibility of a registered tax agent

25:05 – Why depreciation schedules matter

27:15 – New vs. old properties

29:30 – How much does a depreciation report cost?

31:10 – Tax depreciation myths busted

33:05 – The impact of renovations

35:20 – Commercial vs. residential properties

37:15 – Why some accountants overlook depreciation

39:05 – How often should you update your depreciation schedule?

41:00 – What happens if you don’t claim?

43:15 – Key takeaways

44:50 – Outro

-----

DISCLAIMER

Commercial vs Residential: Why One is the CLEAR Winner for Investors | Ep. 16

Thu, 13 Mar 2025 06:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian, as I continue the conversation with two leading property investment experts—Rich Harvey, CEO and Founder of Propertybuyer, and Steve Palise, Founder and Owner of Palise Property.

They talk about why commercial properties can generate higher passive income than residential investments, how doctors can leverage lease structures to secure long-term financial stability, and the biggest myths about commercial property financing holding investors back.

They also discuss what makes a medical clinic a smart investment (and when renting might be the better option), why some commercial properties fail despite high yields, and how to determine if an investment fits your financial goals and lifestyle aspirations.

If you want to understand the smartest ways to build a high-yielding commercial property portfolio while leveraging your medical career, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://www.paliseproperty.com/

https://www.instagram.com/paliseproperty/

https://www.facebook.com/paliseproperty

https://www.tiktok.com/@paliseproperty

https://au.linkedin.com/in/sydney-buyers-agent

https://au.linkedin.com/company/propertybuyer

https://www.instagram.com/propertybuyer_au/

https://www.facebook.com/pages/Propertybuyer/273710265631

-----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3FoBRAy
Apple Podcast: https://apple.co/4iks50N
Amazon Music: https://amzn.to/3DoyJnP

-----

FIND US HERE

https://www.paliseproperty.com/
http://www.linkedin.com/in/steve-palise/
https://www.instagram.com/paliseproperty/
https://www.facebook.com/paliseproperty
https://www.tiktok.com/@paliseproperty

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 - Intro

01:08 - What Is the Definition of a Commercial Property?

02:57 - Commercial vs Residential

04:14 - Doctors Purchasing Commercial Properties

09:11 - The Pitfalls in Purchasing Commercial Offices

14:39 - Types of ‘Attractive’ Assets

18:34 - Other Forms of Industrial Properties

22:22 - Investors Combined

26:12 - Residential or Commercial?

29:33 - Lease Stock

31:46 - Purpose of Wealth

34:25 Conclusion

-----

DISCLAIMER

Doctors, Don’t Buy a Residential Property Until You Watch This! | Ep. 15

Thu, 06 Mar 2025 06:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian, along with two leading property investment experts—Rich Harvey, CEO and Founder of Propertybuyer, and Steve Palise, Founder and Owner of Palise Property.

They talk about why many doctors overanalyse property decisions and how to overcome "paralysis by analysis", how supply and demand drive long-term property value, and the key factors that make a location ideal for investment (beyond just population growth).

They also discuss why doctors should invest early despite uncertain career progression, the pros and cons of negative gearing and how to maximise its benefits, and why off-the-plan apartments and high-density developments can be risky investments.

If you want to leverage your high-income potential, make data-driven property decisions, and secure long-term financial stability through real estate, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/sydney-buyers-agent

https://www.propertybuyer.com.au/
https://au.linkedin.com/company/propertybuyer
https://www.instagram.com/propertybuyer_au/
https://www.facebook.com/pages/Propertybuyer/273710265631

http://www.linkedin.com/in/steve-palise/

https://www.paliseproperty.com/
https://www.instagram.com/paliseproperty/
https://www.facebook.com/paliseproperty
https://www.tiktok.com/@paliseproperty

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 - Intro
01:32 - Rich Harvey and Steve Palise’s Residential Investment Properties
02:24 - Perspectives on Residential Investments
08:44 - Do Different Models of Investing Influence What Assets You Look at?
12:50 - How Does the Average Australian Engage in the Investment Market?
16:33 - Apartments, Townhouses, Houses with Land: Which is a no-go?
20:10 - Why Do So Many Investors Buy Apartments?
21:54 - Property Investment Objectives
24:18 - Is Negative Gearing a Good Investing Strategy?
28:39 - Controversies with Negative Gearing
31:50 - Plan

The Doctor’s Guide to Commercial Property Investing (More Cash Flow, Less Hassle) | Ep. 14

Thu, 27 Feb 2025 06:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian, and Steve Palise, founder of Palise Property, licensed real estate agent, best-selling author, and one of Australia’s leading buyer’s agents with over 2,000 property acquisitions.

Steve shares why commercial property can generate three times the cash flow of residential real estate, the biggest myths that hold investors back from commercial opportunities, and how to identify the right asset types to minimise risks and maximise returns.

He also discusses the hidden value-add strategies that can exponentially increase a property's worth, the key financial and lending structures that allow investors to keep buying without traditional income verification, and why "boring" commercial properties are often the most lucrative long-term investments.

If you want to unlock new wealth-building opportunities, create passive income streams, and confidently make informed investment decisions, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

FREE Commercial Property Investing Course: https://www.commercialpropertyinstitute.com.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

0:00 - Intro
01:19 - Steve's Background
03:08 - Property Do's and Not Do's
04:16 - Difference between Commercial and Residential Properties (and it's Pros & Cons!)
08:34 - The Nuances of Commercial Properties
12:37 - Lease Stock
14:47 - Engaging a Buyer's Agent to Purchase a Commercial Property
18:30 - Examples of "Boring" Properties
20:30 Examples of "Exotic" Properties
24:27 - Who Manages the Property and for how much?
29:27 - Stats of Investors that Actually Own Commercial Property
31:13 - Steve's Team Structure
34:36 - "Anyone can get into commercial."
35:34 - Conclusion

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be con

The Doctor’s Guide To Buying Property Without Overpaying A Cent | Ep. 13

Thu, 20 Feb 2025 10:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr. Bi Mian, and Rich Harvey, CEO and Founder of Property Buyer, an award-winning buyer’s agent, seasoned property investor, and professional economist with over 25 years of experience.

Rich shares why doctors often overpay or make suboptimal property choices, how to leverage your high-income potential to build long-term wealth through real estate, and the key market trends that will shape property investment in the coming years.

He also discusses why busy professionals should consider working with a buyer’s agent to access exclusive off-market deals, how smart negotiation strategies can help doctors secure premium homes without overbidding, and the hidden traps in off-the-plan and high-density developments that many investors overlook.

If you want to make smarter property decisions, maximise your financial potential, and secure real estate that aligns with your career and lifestyle goals, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://au.linkedin.com/in/sydney-buyers-agent

https://www.propertybuyer.com.au/
https://au.linkedin.com/company/propertybuyer
https://www.instagram.com/propertybuyer_au/
https://www.facebook.com/pages/Propertybuyer/273710265631
https://www.youtube.com/user/Propertybuyertv

-----

LISTEN TO THE PODCAST

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 - Intro
01:40 - Richard’s Background
04:06 - Richard’s Investing History
06:36- Link to Commission Model
08:18 - First Home Buyers
13:31 - Buying Premium Properties
22:50 - Lower End Property
24:12 - Factors to Look At as a First Home Owner
26:58 - Key Factors What to Look for When Looking for Property
32:20 - Seller Strategies
33:33 - Engaging in a Buyer’s Agent
34:46 - Low Volume vs High Volume Buyer’s Agent
36:06 - Outside of Being a Buyers Agent
38:23 - Conclusion

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevan

The Do’s and Don’ts of Investment Structuring for Doctors | Ep. 12

Thu, 13 Feb 2025 06:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian, and Munzurul Khan, a seasoned Chartered Accountant with over 30 years of expertise in property investment, healthcare accounting, and leadership across Australia's top boards.

Munzurul shares why structuring is the cornerstone of asset protection and tax planning, the pros and cons of popular structures like trusts, partnerships, and corporate entities, and how to optimise structures for different life stages.

He also discusses the intricacies of family trusts and how they empower generational wealth planning, the common pitfalls in structuring and how to avoid them, and the practical strategies for tailoring structures to your unique financial goals.

If you want to protect your wealth, optimise your taxes, and set up a financial framework for long-term success, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://khipartners.com.au/
https://au.linkedin.com/in/munzurul-khan-7ba6a318

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 Intro
01:42 Why Do We Structure?
03:48 Natural Person Structure
06:10 Asset Protection
08:12 Joint Venture / Partnership
12:37 Unit Trust
15:36 Discretionary Trust
24:08 2 Kinds of Trustee
26:58 Company / Corporate Trust
31:05 Retain Profits
32:11 Common Structure
34:14 Capital Gains Tax Will Not Be a Problem
35:59 It’s a Living Plan
38:13 Conclusion

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

How to Safeguard Your Medical Career with the Right Insurance Policies | Ep. 11

Thu, 06 Feb 2025 10:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr. Bi Mian, and Roger Wheelahan, a financial advisor with over 25 years of experience helping individuals and businesses with succession planning, risk management, and retirement strategies.

Roger shares the major distinctions between income protection and other types of insurance, why many medical professionals overlook reviewing their policies, and how these oversights could lead to financial vulnerability.

He also explains the impact of factors like BMI and lifestyle habits on insurance premiums, the nuances of structuring life insurance inside versus outside of superannuation, and why owning insurance early can save you thousands in the long run.

If you want to build a comprehensive financial safety net tailored to doctors' unique risks and responsibilities, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

Roger Wheelahan’s Links

https://www.linkedin.com/in/roger-wheelahan-8ba53149/
https://smartstartfs.com.au/

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 Intro
01:06 Risk Insurance
06:48 Total Permanent Disability
09:42 Income Protection
13:21 Misconception of Level Insurance and Stepped Insurance/Exlusions
27:07 Female rates vs Male rates in Risks
30:00 Putting Life Insurance in Super
34:33 When do people need Life Insurance?
36:53 Conclusion

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

How Doctors Can Get 95% Home Loans WITHOUT Mortgage Insurance | Ep. 10

Thu, 30 Jan 2025 09:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian, together with Elouise Dooley and Alissa Childs, mortgage brokers and directors of Two Birds One Loan, a team that goes beyond traditional mortgage broking to help clients achieve their goals through personalised financial solutions.

We talk about how to decide between fixed and variable rates in today’s volatile market, the major differences between offset and redraw accounts, and why understanding non-bank lenders can open doors to unique borrowing opportunities.

We also discuss how doctors can secure loans with just 3 months of ABN history, the game-changing strategy of siloing property investments using trusts or SPVs, and why reviewing your loan every six months could save you thousands in interest payments.

If you want to learn how to make smarter mortgage decisions and take advantage of financial privileges tailored for healthcare professionals, then make sure to listen to this episode!

-----

TIME STAMPS:
00:00 - Intro

01:56 - Loan with an Offset Account

05:05 - Difference between a Bank Lender and a Non-bank Lender

07:25 - Bank Account with a Redraw Facility

10:30 - How a Fixed Loan Structured

15:17 - Assessing Income

19:00 - Company vs. Sole Trader

24:57 - Investment Income

36:12 - Engagement Process with a Broker

41:52 - Conclusion

-----

SHOW NOTES LINKS

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://www.twobirdsoneloan.com.au/
https://www.linkedin.com/in/elouisehaynes/
https://au.linkedin.com/in/alissa-childs-8816777a

-----

LISTEN TO THE PODCAST

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The 3 Financial Goals Every Young Doctor Needs to Set Now (Don't Start Your Career Without Them) | Ep. 09

Thu, 23 Jan 2025 06:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian, and our returning guest, Jessica Brady, a maverick financial advisor who, after selling her award-winning practice, created accessible online money programs to help the 80% of Australians who couldn't access financial advice.

Jessica talks about why "conscious cash flow planning" beats traditional budgeting, how to automate your banking system for effortless wealth building, and the psychology behind setting powerful short-, medium-, and long-term financial goals.

She also discusses the often-overlooked insurance considerations for medical professionals, the smart way to approach your first property purchase as a doctor, and why living at home can create dangerous financial blind spots.

If you want to learn how to build sustainable wealth while avoiding the money mistakes that trap many young doctors, then make sure to listen to this episode!

-----

TIME STAMPS:

-----

SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://jessicabrady.com.au/
https://www.instagram.com/jessbrady_financialadvice/
https://au.linkedin.com/in/jessica-brady-21165812
https://m.facebook.com/61552351622335/
https://podcasts.apple.com/au/podcast/financially-fierce/id1727968994

Jessica Brady (also known as Jessica Gerken) is an authorised representative of Paragem Pty Ltd. All comments made in the podcast are general in nature and do not take into account your objectives, financial situation or needs. Authorised Representative No. 001259972 | AFSL | 297276 ABN | 16 108 571 875 | Corporate Authorised Representative No. 1305567.

-----

LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

0:00 - Introduction
2:39 - Starting Off Financially as a Doctor Intern
6:36 - Juggling Bills & Debts
9:32 - Setting up a “Conscious Cash Flow”
19:55 - False Sense of Reality from Bad Spending Habits
21:20 - Asset Allocation
23:07 - “Sleep at Night” Plan
25:16 - The First Home Super Saver Scheme
30:00 - Nuances of Purchasing a Property: What to Look For
38:20 - How to Set Yourself up for the Future
46:15 - Conclusion

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

How To Get the Most Out of Your Superannuation Fund as an Australian Doctor | Ep. 08

Thu, 16 Jan 2025 06:00:00 +1100

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian and Munzurul Khan, Chairman at KHI Partners, as we talk about Australia's superannuation system, its origins, and how doctors can optimise their retirement savings in today's modern landscape.

We discuss how Paul Keating's visionary math from the 1980s shaped Australia's retirement system, why the original 3% super contribution has grown to today's 12%, and the strategic reasoning behind making super tax-privileged at 15%.

We also talk about the clever ways to navigate contribution caps and Division 293 tax for high-income earners, why compound interest in super is a double-edged sword that demands early attention, and the costly mistake of ignoring default super fund settings that could be silently eroding your wealth.

If you want to make the most of the tax benefits and investment opportunities within superannuation, then make sure to listen to this episode!

-----

TIME STAMPS:

00:00 - Intro
00:47 - Superannuation Fund
08:36 - Changed Regulations on Super / Concessional Contribution
11:38 - Limit of How Much Money You Can Put In
14:53 - What Happens If You Go Over $30,000?
20:38 - Superannuation Is an Employee Benefit
28:06 - Picking the Right Fund
29:49 - Always Check Your Payslip
34:03 - Outro

-----

SHOW NOTES LINKS

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://khipartners.com.au/
https://au.linkedin.com/in/munzurul-khan-7ba6a318

-----

LISTEN TO THE PODCAST

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Are Doctors Getting Ripped Off By Financial Advisors? Here's the TRUTH | Ep. 07

Thu, 09 Jan 2025 06:00:00 +1100

Join 26,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

If you want to understand how to properly structure your finances and create tax-efficient wealth strategies that work specifically for medical professionals, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

Roger Wheelahan’s Links

https://www.linkedin.com/in/roger-wheelahan-8ba53149/
https://smartstartfs.com.au/

-----

LISTEN TO THE PODCAST

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

TIME STAMPS

00:00 - INTRO
00:43 - Roger's Background
05:55 - The Royal Commission Being Like "The Wild West"
08:10 - The Catalyst For the Royal Commission
10:31 - The Transformation of the Financial Planning Industry
12:12 - "Principal Agency Dilemma"
17:36 - The Experience Pathway
22:09 - FINANCIAL ADVISOR vs FINANCIAL PLANNER
22:52 - AFSL (AUSTRALIAN FINANCIAL SERVICES LICENSE)
24:46 - Financial Advisor: Who Are They Really?
29:01 - Risk Insurance
34:15 - Retirement Planning
38:25 - Barriers of Entry into The Financial Planning Space
40:38 - "Poor Financial Advice Can Make a Huge Difference"
41:52 - Financial Advisor Costs
46:34 - Service Percentage Fee
48:31 - Conclusion

-----

DISCLAIMER

How Doctors Can Get 95% Home Loans WITHOUT Mortgage Insurance | Ep. 06

Thu, 02 Jan 2025 06:00:00 +1100

Join 26,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

We talk about why the cheapest interest rate isn't always the best option when choosing a lender, how medical professionals can access exclusive lending benefits with up to 95% LVR without paying mortgage insurance, and the unexpected truth about what makes a "vanilla" loan application.

We also discuss the clever strategy of using parental guarantees to potentially borrow up to 105% of a property's value, why cross-collateralisation could help you secure better interest rates, and the hidden traps of family gifts in property purchases that every borrower needs to know.

If you want to learn how to maximise your borrowing potential and access special financial privileges available to healthcare professionals, then make sure to listen to this episode!

-----

TIME STAMPS:

0:00 - Introduction
1:18 - Elouise & Alissa’s Background
03:14 - Overview of the Home Loan Market in Australia
03:38 - Choosing the Right Loan
06:28 - The Idea of a ‘Vanilla Loan’
08:32 - Having Access to a Wide Range of Products and Lenders
09:33 - Discussing Home Loans: How Much to Borrow and What Type of Property
12:50 - Understanding the Key Terms in Home Financing
14:38 - Discount Ranges
18:29 - What Is LMI?
28:15 - Explaining Serviceability and Its Meaning in Financial Terms
31:24 - Buffers Earned from Investment Properties
36:40 - Credit Card Assessment, Lending Cost and Interest
44:11 - Conclusion

-----

SHOW NOTES LINKS

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://www.twobirdsoneloan.com.au/
https://www.linkedin.com/in/elouisehaynes/
https://au.linkedin.com/in/alissa-childs-8816777a

-----

LISTEN TO THE PODCAST

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered p

Think You’re Bad With Money? Here’s Why That’s a Myth for Doctors | Ep. 05

Thu, 19 Dec 2024 06:00:00 +1100

Join 26,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian, together with Jessica Brady, a maverick financial advisor who, after selling her award-winning practice, created accessible online money programs to help the 80% of Australians who couldn't access financial advice.

Jessica talks about why traditional financial advice has become prohibitively expensive, with fees reaching $8,100 annually, how damaging money narratives particularly affect women's financial confidence, and why breaking free from the "I'm bad with money" mindset is vital for building wealth.

She also discusses her innovative approach to making financial education fun and gamified, why waiting for the "perfect time" to start learning about money is a trap, and how bringing diversity to financial services can better serve all Australians.

If you want to learn how to access quality money education without the hefty price tag of traditional advice, then make sure to listen to this episode!

-----

TIME STAMPS:

0:00 - Intro
02:03 - Changing Landscape of Financial Advice
06:37 - Demographic Changes in our Society
09:45 - Misconceptions About Women and Money
15:51 - Jessica on Giving up Personal Advice
23:39 - Taxes and Deductions.
26:34 - The Barefoot Investor
30:44 - Overriding Natural Bias toward Stability and Security
32:59 - Concept of Knowing Yourself
43:05 - Conclusion

-----

SHOW NOTES LINKS

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://jessicabrady.com.au/
https://courses.jessicabrady.com.au/investingfordoctorscall

https://www.instagram.com/jessbrady_financialadvice/
https://au.linkedin.com/in/jessica-brady-21165812
https://m.facebook.com/61552351622335/
https://podcasts.apple.com/au/podcast/financially-fierce/id1727968994

Jessica Brady (also known as Jessica Gerken) is an authorised representative of Paragem Pty Ltd. All comments made in the podcast are general in nature and do not take into account your objectives, financial situation or needs. Authorised Representative No. 001259972 | AFSL | 297276 ABN | 16 108 571 875 | Corporate Authorised Representative No. 1305567.

-----

LISTEN TO THE PODCAST

-----

FIND US HERE

Website: https://ifdgroup.com.au/<

Australian State Taxes Explained: The Best Property Investment Strategy for Doctors | Ep. 04

Thu, 05 Dec 2024 06:00:00 +1100

Join 26,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian and Munzurul Khan, Chairman at KHI Partners, as we demystify state-based taxes in Australia and share insider strategies that could save doctor investors thousands in unnecessary tax payments.

We talk about why land tax varies between states (and how to use this to your advantage), the truth about joint property ownership that most doctors don't know, and the hidden opportunities in stamp duty planning that could reduce your tax burden.

We also explore the controversial shift from stamp duty to land tax systems currently being debated, why payroll tax seems to punish business growth (and what to do about it), and the strategic ways doctors can structure their property holdings to maximise tax thresholds.

If you want to master the state tax landscape and make smarter property investment decisions, then make sure to listen to this episode!

-----

TIME STAMPS:

00:00 - Intro
01:02 - Why Are We Paying At a State & Federal Level?
03:24 - Land Tax
12:37 - Joint Venture & Land Tax Nuances
14:50 - Stamp Duty
25:22 - Payroll Tax
29:44 - Inheritance Tax
33:52 - Conclusion

-----

SHOW NOTES LINKS

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://khipartners.com.au/
https://au.linkedin.com/in/munzurul-khan-7ba6a318

-----

LISTEN TO THE PODCAST

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Why Do Australian Doctors Pay So Much Tax? (And What to Do About It) | Ep. 03

Thu, 21 Nov 2024 06:00:00 +1100

Join 26,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

-----

In this episode, join me, Dr Bi Mian and Munzurul Khan, Chairman at KHI Partners, as we share important tax fundamentals that every doctor needs to know to optimise their tax position and maximise their earnings.

We talk about why Australia's self-assessment tax system creates unique opportunities and responsibilities, how the widely misunderstood marginal tax rate system actually works in your favour, and the strategic advantage of superannuation's concessional 15% tax rate.

We also discuss the clever ways to leverage capital gains tax discounts for wealth building, how franking credits can boost investment returns, and why international doctors with overseas assets must be extra careful with their tax planning.

If you want to make smart financial decisions that could save you thousands in taxes as a medical professional in Australia, then make sure to listen to this episode!

-----

TIME STAMPS:

00:00 - Intro
01:47 - Tax Obligations / How an Accountant Thinks About Taxes
04:58 - Deep Dive Into Aus Tax System
06:26 - Income Tax Tiers
09:14 - Superannuation Tax / Concessional Contribution
13:28 - How Are Things Taxed Within a Superfund?
14:47 - Superfund Tax
17:18 - Capital Gains Tax
23:25 - Dividends / Franking Credit
29:35 - International Association / Deemed Capital Gain
31:39 - GST
34:40 - Conclusion

-----

SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://khipartners.com.au/
https://au.linkedin.com/in/munzurul-khan-7ba6a318

-----

LISTEN TO THE PODCAST

-----

FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

Are You Being Underpaid as a Doctor? Here’s What to Look Out For | Ep. 02

Thu, 07 Nov 2024 06:00:00 +1100

Join 26,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode, join me, Dr Bi Mian and Munzural Khan, Chairman at KHI Partners, as we share important financial tips that could save early-career doctors from costly employment mistakes and missed entitlements.

We talk about the elements every doctor should check on their first payslip, the complexity of medical overtime payments and penalties, and why HECS obligations can create unexpected tax headaches if not properly managed.

We also discuss the differences in doctor pay scales between Australian states, how enterprise bargaining agreements can significantly impact your earning potential, and a real-world case where a doctor discovered years of underpayment due to incorrect pay grade classification.

If you want to protect yourself from common employment pitfalls, ensure you're being paid correctly, and maximise your financial benefits as a medical professional, then make sure to listen to this episode!

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TIME STAMPS:

00:00 - Intro
01:36 - Finishing Med School, Becoming an Intern / Pivotal Point
09:06 - Working Overtime Payment + Super
10:56 - NSW Health Workers Not Being Paid Enough / Looking at Payslips
18:10 - Doctors Double Dipping on Cash Threshold
21:38 - Doctors Paying Tax
23:05 - Claim Salary Packaging / Pushing You up for Hecs
24:29 - Looking at Different States / Enterprise Bargaining Agreements
30:05 - Employment Perspective / Pearls of Wisdom from Munzural
33:07 - Conclusion
34:10 - Outro

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SHOW NOTES LINKS

https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi

https://khipartners.com.au/
https://au.linkedin.com/in/munzurul-khan-7ba6a318

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LISTEN TO THE PODCAST

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FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

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DISCLAIMER

The Money Lessons Medical School Never Taught You | Ep. 01

Thu, 24 Oct 2024 12:00:00 +1100

Join 26,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In our first episode of Investing for Doctors Podcast, join me, Dr Bi Mian and Munzural Khan, Chairman at KHI Partners, as we share our insights about the unique financial opportunities and challenges medical professionals face.

We talk about how doctors can shift their mindset from solely earning income to building wealth, why having a solid financial team is essential for long-term success, and how understanding finances can lead to career optionality.

We also discuss the surprising ways doctors' financial decisions can impact patient care, the smart tax management strategies they can leverage, and some exciting future plans for Investing for Doctors.

If you want to learn how to grow your wealth without feeling financially trapped by your medical career, then this episode is for you!

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SHOW NOTES LINKS