PODCAST · business
The Money Doctors
by Bongiorno Group
The Money Doctors is a fortnightly podcast series offering conversations on financial wealth and money matters for Australian medical and dental professionals.This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group.The general advice in this series has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.
Episodes
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Setting the Boundaries: Understanding Your Capacity for Risk
When markets turn, the investors who fare best are not always the boldest. They are often the ones whose portfolios were built around a clear understanding of how much loss they could genuinely afford. That understanding, known as risk capacity, helps shape sound investment decisions. The…
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Still No Offer: An Update on Vic Doctors’ Wage Negotiations
Pay disputes rarely stall before the first offer, yet that is the situation facing doctors in Victoria's public hospitals. Despite months of bargaining and escalating industrial action, the State Government has still not tabled a wage offer. John Ryan, Senior Workplace Relations Adviser with AMA...
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Auctions, Reserves and the New Rules of Buying Property in Victoria
Off-market deals now account for up to half of all property sales in Melbourne's most sought-after suburbs, and the way auctions are run is about to change dramatically. Harrison Kelly, Director at HMK Buyer's Advocate, joins the Bongiorno Group’s Matt Homewood and Jack Will to break down the...
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The Financial Complexities of Aged Care: A Specialist's View
A mistake families make with aged care planning is waiting until a parent is already in permanent care to seek advice — by then, the decisions can be nearly impossible to walk back. That's according to Shaun Ganguly of Aged Care Financial Planning, who explains the three pillars his team handles...
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Medico-Legal Work: Opportunities for Today's Doctors
Medico-legal work is no longer just for doctors nearing retirement. Today, it's becoming a flexible, rewarding career path for specialists at every stage of their profession. Justin Bradley, CEO of Melbourne-based Atlas Medicorp, explains to Nick Fennessy, Director at the Bongiorno Group, why...
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Disability Insurance: Getting It Right Before You Need It
Total and Permanent Disability (TPD) insurance provides a safety net for medical professionals facing serious injury or illness — but navigating a claim isn't always straightforward. In this episode, Matt Andrews discusses the current TPD claims landscape, key trends insurers are seeing, and what...
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How a Surgeon Shaped Her Career, Family and Financial Future
Success in medicine is rarely linear. It is shaped by timing, trade-offs and the support systems around you. Bongiorno Group Director Nick Fennessy speaks with orthopaedic surgeon, Dr Tharsa Thillainadesan, about building her career while raising a young family. She reflects on the role of…
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How to Structure Your Investments PART 2: Individual vs Trust Ownership
In part two of this series on investment structures, the Bongiorno Group’s Ricky Caldow and Mitch McKeown examine company structures and superannuation. Companies can provide asset protection and tax deferral opportunities, while also outlining the limitations, including the absence of capital...
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How to Structure Your Investments PART 1: Individual vs Trust Ownership
The structure used to hold an investment can have a significant long-term impact on tax, flexibility, asset protection and wealth creation outcomes. Two people can invest in exactly the same asset and achieve very different financial results simply because of how those investments were structured...
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What Doctors Can and Can’t Claim at Tax Time
Tax time is just around the corner – and so it’s worth understanding ahead of time what you can legitimately claim. And, no, it’s not about maximising deductions at all costs. It’s about being able to clearly justify every expense and ensuring it directly relates to earning your income. The...
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Overseas Fellowships, Tax Residency and ATO Obligations
Planning an overseas fellowship can shape a medical career, but poor tax planning can create expensive surprises. From tax residency and worldwide income to investment properties, private health insurance and double tax agreements, the financial implications of working overseas are often...
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The Hidden Risks of Outdated Insurance Cover
Insurance only works when it evolves with your life. From rising incomes and growing debt to children, career changes and mounting premiums, reviewing your cover regularly can mean the difference between being properly protected and paying for insurance that no longer fits your needs. The…
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Federal Budget 2026-27: What It Means For You
The Federal Budget could reshape the financial landscape for doctors, business owners and investors for years to come. While none of the major reforms are law yet, the proposed changes to capital gains tax, negative gearing and discretionary trusts have already sparked urgent conversations across...
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Property Update Part 3: The national market
Strong rental demand and infrastructure investment are reshaping Australia’s property landscape beyond Victoria, but elevated prices and rising optimism warrant caution. Property strategist Julian Muldoon of 1Group and the Bongiorno Group’s Ricky Caldow examine the momentum across Queensland,...
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Property Update Part 2: The Victorian commercial market
Long-term wealth in property is built on strategic asset selection, not short-term sentiment. Property advisor Julian Muldoon of 1Group, joins the Bongiorno Group’s Ricky Caldow to examine the Victorian commercial property landscape. They explore the case for light industrial assets, the…
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Interest Rates Are Rising – What You Need to Think About
Uncertainty in interest rates is not just a market issue, it is a personal financial decision point for every borrower. With inflation still above target and global pressures influencing the outlook, the path forward for interest rates remains unclear. Jack Will, Finance Manager at The Bongiorno...
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Property Update Part 1: The Victorian residential market
Market sentiment does not always reflect underlying opportunity. While many Victorian investors are looking interstate, selected Melbourne and regional pockets are showing renewed growth, particularly in affordable, infrastructure-backed corridors. Property advisor Julian Muldoon of 1Group joins...
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Riding for a Cure: Mark Beretta on Tour de Cure’s Cancer Mission
Efforts to prevent, treat and ultimately cure cancer rely not only on clinical excellence, but also on sustained investment in research. Tour de Cure, an Australian charity dedicated to funding cancer research, prevention and support programs, has raised more than $150 million and helped deliver...
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Medicare Levy Surcharge: The Sting in Your Tax Return
An unwelcome surprise can arrive at tax time, particularly for doctors whose income has increased during the year. The Medicare Levy Surcharge can catch trainees and junior doctors by surprise when they exceed the threshold through overtime and penalty rates. The Bongiorno Group’s Nicolas Pereira...
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Payday Super Is Coming: What Every Employer Needs to Know
Soon, employers will be expected to pay superannuation to their employees at the same time as wages. This change, known as Payday Super, becomes mandatory from 1 July 2026 and represents a once-in-a-generation reform to the superannuation system. The reform has major implications for practice...
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Retirement starts long before you stop working
Retirement is one of the most significant transitions in a professional career, yet it is often delayed or under-planned. The Bongiorno Groups Jim Tsirtsakis and Trevor Baxter explore what retirement truly means — beyond simply stepping away from work. They discuss the importance of defining...
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Smart investing starts with clear goals
A clear investment plan begins long before any money enters the market. New investors who define their goals, diversify effectively and stay disciplined through market shifts give themselves the strongest foundation for long-term success. Beatrice Yeo, Investment Strategist for the Multi-Asset...
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Merry Xmas - The Money Doctors returns 13 January
Everyone at the Bongiorno Group would like to wish you a joyful Christmas and a successful start to 2026. As the festive and summer period rolls around, The Money Doctors will be taking a brief seasonal pause — but we won’t be away for long. We return on January 13 with our first episode of 2026....
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Social media tips for today’s medical professionals
Social media has become one of the most effective ways for medical professionals to build trust, visibility and genuine connection – when it’s used with intention and care. Family lawyer Vic Rajah shares how the landscape has shifted from traditional media to digital platforms, and why clinicians...
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Invest with confidence in uncertain markets
Higher uncertainty and greater volatility may define the current investment market, but this environment also presents meaningful opportunities for informed investors. Beatrice Yeo, Investment Strategist for the Multi-Asset Solutions Business at BlackRock, explains why long-term structural...
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Blended families: avoiding a family feud with estate planning
Blended families are increasingly common in Australia, but they can make estate planning complex. Without a clear will or structure in place, questions of inheritance can quickly lead to conflict. Family lawyer Vic Rajah discusses with the Bongiorno Group’s Chantelle Turner how blended families…
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Welcome AMAV President & the future of healthcare in Victoria
Strong leadership in medicine requires both clinical insight and a passion for advocacy — and Simon Judkins brings both to his new role as President of AMA Victoria. In this episode, the Bongiorno Group’s Executive Consultant Trevor Baxter speaks with Dr Simon Judkins, Director of Emergency...
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Beyond medicine: making an impact through boards
Serving on a board offers medical professionals a unique way to extend their expertise beyond clinical practice, contribute to the community, and broaden their leadership skills. But with the opportunity comes responsibility. Directors are entrusted with governance, strategy, and risk oversight,...
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Why estate planning shouldn’t be left to chance
Having an up-to-date will is essential – but understanding whether to include a testamentary trust can be just as important. These trusts can offer asset protection, oversight for vulnerable beneficiaries, and potential tax benefits, but they also bring complexity and ongoing costs that may not...
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The importance of an updated will
A will is one of the most important documents a person can have – but it’s often overlooked until it’s too late. If you have assets, a family, or even a single property, you should already have one. Ricky Caldow, Director at the Bongiorno Group, is joined by Jackson Barrett, founder and principal...
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A real-life reminder of why cover matters
Having income protection in place is one thing—knowing it will deliver when you need it most is another. The Bongiorno Group’s Ricky Caldow and Mitch McKeown return to discuss a real-life income protection claim involving one of their medical clients. The case highlights the critical role…
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The one asset you can’t afford to lose
What if your most important asset isn’t what you think it is? It’s not your house, your car, or even your investment portfolio. In this episode, we dive into the kind of asset that often gets overlooked – but losing it could change everything. Matthew Homewood, Financial Consultant, and Tom Will,...
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Avoiding tax shock with PAYG instalments
Think you’re on top of your tax, but then get hit with a surprise bill? You’re not alone. The Bongiorno Group’s Chantelle Turner and Helen Cheng break down the mystery of PAYG instalments – what they are, who needs to pay them, and how to avoid the dreaded “catch-up” payment. Whether you’re a...
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The right home loan: it’s not only about interest rates
While interest rates often steal the spotlight, it’s the structure, strategy and advice behind your home loan that can have the biggest long-term impact. The Bongiorno Group’s Financial Consultant Matt Homewood and Finance Manager Jack Will break down how banks determine your actual rate, what...
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Protecting you and your loved ones when you can’t work
Many Australians underestimate how quickly illness, disability, or death can derail their financial stability. Life insurance isn’t just about protecting loved ones – it’s about protecting income, assets, and lifestyle. Tom Will, Risk Adviser at the Bongiorno Group, discusses with Dr Jeff Scott,...
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Smart Selling Part 2: A sound strategy for auction
While auction day gets all the attention, it’s the weeks beforehand – quiet strategy, early inspections, buyer conversations – that often determine the final result. In this second of a two-part series on selling a home, the Bongiorno Group’s Ricky Caldow is joined by Marshall White real estate...
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Smart Selling Part 1: How to plan for a sale
Selling a home is one of the biggest financial decisions you’ll make – and getting it right starts well before auction day. In this first of a two-part series, Bongiorno Group Director Ricky Caldow speaks with Marshall White real estate agent Ben Bongiorno about the essential steps vendors should...
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Do I really need an ABN? What every junior doctor should know
With recent changes to how locum roles are structured, including a shift toward casual employment arrangements, it’s more important than ever to understand when and why you might need an ABN – that is, an Australian Business Number. The Bongiorno Group’s Matt Homewood and Ricky Caldow discuss the...
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Buying property PART 2: What really happens at auction
In part two of this series on buying property, we explore the ins and outs of purchasing at auction. Marshall White’s Ben Bongiorno explains to the Bongiorno Group’s Nick Fennessy what makes auctions legally binding, the critical differences between conditional and unconditional offers, and the...
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Buying property PART 1: Preparing before auction day
Successful property buying isn’t just about browsing online listings – it’s about building relationships with agents who can connect you with opportunities you won’t find advertised. Marshall White real estate agent Ben Bongiorno joins Nick Fennessy, Director at the Bongiorno Group, explore how...
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The true cost of illness and how to prepare for it
The hidden costs of serious medical conditions can place an enormous strain on families. From cancer to chronic illness, the bills don’t stop at medical expenses. Lost income, childcare, travel, and long-term care add up fast. And with one in two Australians diagnosed with cancer before 85, it’s…
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How to avoid investing disasters: Part 2
Investing is more than just choosing stocks or funds – it’s about understanding the costs that can impact long-term returns. The Bongiorno Group’s Mitch McKeown and Ricky Caldow explore the often-overlooked fees associated with investing, including platform charges, advisor fees, and transaction...
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How to avoid investing disasters: Part 1
There’s no shortage of self-proclaimed “experts” pushing the next big thing, but before you throw your hard-earned cash into the latest trend, let’s get back to basics. The Bongiorno Group’s Mitch McKeown and Ricky Caldow break down how to avoid disaster when investing – because a bad move can…
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Understanding novated leases: are they worth it?
Imagine driving a new car while reducing your taxable income at the same time. That’s the core appeal of a novated lease – a salary packaging arrangement that lets you use pre-tax dollars to finance your vehicle and cover running costs like fuel, insurance, and servicing. But as with everything,...
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Relationship Matters Part 3: Tax consequences of divorce
When relationships break down, dividing assets can get messy, especially when it comes to the family home, investment properties, or family businesses. While keeping the house might seem like the easiest option, tax consequences can catch people by surprise. One wrong step could mean unexpected…
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Relationship Matters Part 2: Pre-nups
Despite their potential to protect assets and prevent future disputes, prenuptials remain underutilised. For many, they’re an essential part of asset protection strategy, offering clarity and certainty in case the unexpected happens. But they’re not without challenges. Vic Rajah, firm principal…
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The impact of lower interest rates on borrowing power
The Reserve Bank of Australia’s recent decision to lower the cash rate by 0.25% to a target of 4.1% is the first reduction since November 2020. The Bongiorno Group’s Matt Homewood and Jack Will explore what this means for both existing mortgage holders and new borrowers, examining how lenders may...
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Relationship Matters Part 1: Divorce
Divorce is one of those events that marks a significant life transition, often accompanied by emotional, financial, and legal complexities. It raises critical questions: How are assets fairly divided? How can disputes be resolved efficiently while minimising conflict? Vic Rajah, firm principal at...
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How to talk money with your kids
If you want to set your kids up for a strong financial future, teaching them about money early on is key. Bongiorno Group Directors, Vanessa Smith and Nick Fennessy, insist its beneficial to have money conversations as soon as possible, by explaining how money is earned, spent, and saved in…
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Burnout warning signs and how to catch them early
Burnout is particularly common among medical professionals, and it arises from chronic stress often from the workplace, financially, or from relationships. Its symptoms include exhaustion, negativity, cynicism, and decreased efficacy in tasks. Doctors face heightened risks due to high workloads…
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ABOUT THIS SHOW
The Money Doctors is a fortnightly podcast series offering conversations on financial wealth and money matters for Australian medical and dental professionals.This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group.The general advice in this series has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.
HOSTED BY
Bongiorno Group
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Frequently Asked Questions
How many episodes does The Money Doctors have?
The Money Doctors currently has 137 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is The Money Doctors about?
The Money Doctors is a fortnightly podcast series offering conversations on financial wealth and money matters for Australian medical and dental professionals.This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group.The general advice in this series has...
How often does The Money Doctors release new episodes?
The Money Doctors publishes regularly with 137 episodes available. Check the episode list for the typical release schedule.
Where can I listen to The Money Doctors?
You can listen to The Money Doctors on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts The Money Doctors?
The Money Doctors is created and hosted by Bongiorno Group.
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