Investing For Doctors Podcast

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors -----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/Hook01:42 Guest Introduction02:24 Role of Financial Advisor and Misconceptions03:59 The important asset is YOU05:44 Understanding Debt and HEX Debt09:15 Insure yourself13:54 5 D Approach of Risk15:24 Types of Insurance and Their Importance24:33 Financial Planning for Married Doctors33:52 Value of the Financial Adviser41:14 Structuring Assets and Tax Incentives49:47 Conclusion/Outro—---SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/roger-wheelahan-8ba53149/----- LISTEN TO THE PODCAST LISTEN TO THE PODCAST:Spotify: https://spoti.fi/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon 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 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. 

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors -----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!----- SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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 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. 

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors -----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.----- SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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 -----DISCLAIMERThe 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. 

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors -----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!-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-biRoger 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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----TIME STAMPS00:00 - INTRO00:43 - Roger's Background05:55 - The Royal Commission Being Like "The Wild West"08:10 - The Catalyst For the Royal Commission10:31 - The Transformation of the Financial Planning Industry12:12 - "Principal Agency Dilemma"22:09 - FINANCIAL ADVISOR vs FINANCIAL PLANNER22:52 - AFSL (AUSTRALIAN FINANCIAL SERVICES LICENSE)24:46 - Financial Advisor: Who Are They Really?29:01 - Risk Insurance34:15 - Retirement Planning40:38 - "Poor Financial Advice Can Make a Huge Difference"41:52 - Financial Advisor Costs46:34 - Service Percentage Fee48:31 - Conclusion-----DISCLAIMERThe 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. 

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.-----TIME STAMPS:00:00 Hook/Intro01:19 Medical Angels02:33 Dr. Bi and Dr. Amandeep's Creative Career Journey13:35 Investing in health care startups/Finding the right co-founders20:35 What Dr. Amandeep is looking forward to invest23"27 Conclusion/Outro-----SHOW NOTES LINKSIf you're interested in learning more about the Medical Angels Venture Fund, visit:https://medangels.com.au/venture-fund/https://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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 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. 

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.-----TIME STAMPS:00:00 Intro/Hook01:10 Introduction of the speakers02:13 Rayn from Archangels Ventures Background and Experience04:09 Dina Tikova's Role at UNSW Founders/Background and Experience06:37 Amandeep Hansara's Journey and Medical Angels10:50 The Role of Angel Investors in the Ecosystem22:29 Rayn's experience in Investing Deep Tech24:17 Q&A41:10 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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 -----FIND US HERE Website: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: 

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 youTIME STAMPS:00:00 Hook/Intro01:07 Introduction of the Panel01:51 Samar's Background and Introduction07:18 Ben's Background and Introduction09:45 Michael's Background and Introduction11:38 Challenges in Venture Capital19:21 What is Venture Scale?24:04 Venture Capital Stories33:00 The difference between Angel Investing and Venture Funding45:35 Structure and Tax Incentives in Venture Funding49:35 Question and Answer Portion55:22 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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 ----- FIND US HERE Website: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/inves

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.-----TIME STAMPS:00:00 Intro/Hook00:53 What is inflation?01:56 Causes of Inflation: Demand-Pull and Cost-Push06:06 Monetary Expansion and Its Role in Inflation06:59 Measuring Inflation: The Consumer Price Index (CPI)12:28 Understanding the CPI and Its Limitations21:24 Impact of Inflation on Different Groups25:36 Inflation and Investment Strategies28:38 Interest Rates and Inflation: The Role of the RBA41:20 Supply-Side Inflation and Its Challenges43:25 Final Take-home message47:16 Conclusion/Outro-----SHOW NOTES LINKShttps://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.

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.-----TIME STAMPS:00:00 Intro/Hook01:18 Introduction of speakers and their backgrounds10:27 Importance of Trust 11:47 Importance of conversation 12:49 Client case study 15:20 Change in Insurance System20:02 Mental Health Claims24:33 What to look for in an adviser28:33 Losing a relationship with an adviser32:22 Income Protection increasingly unaffordable issue39:10 Reinstatement Options42:03 Market Consolidation42:48 Helpful Resources46:24 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.experien.com.au/https://smartstartfs.com.au/https://au.linkedin.com/in/roger-wheelahan-8ba53149https://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.

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/Hook01:07 Property vs Shares: Introducing the panellist03:27 Roger Wheelahan - Shares & ETF Side08:34 Munzurul Khan - Property Side14:18 Jessica Brady - Shares & ETF Side19:39 Rich Harvey - Property Side23:19 Questions and Answers44:54 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://au.linkedin.com/in/jessica-bradyhttps://jessicabrady.com.au/https://au.linkedin.com/in/munzurul-khan-7ba6a318https://khipartners.com.au/https://www.propertybuyer.com.au/https://au.linkedin.com/in/sydney-buyers-agenthttps://au.linkedin.com/in/roger-wheelahan-8ba53149https://smartstartfs.com.au/-----LISTEN TO THE PODCASTSpotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN -----FIND US HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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.-----SHOW NOTES LINKShttps://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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors ----- DISCLAIMERThe 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. 

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/Intro01:17 Guest Introduction03:56 Finding Purpose: Realising what you do with Why you do it05:41 The cost of disconnection06:12 Framework for empowerment07:11 Presence12:31 Power21:03 Purpose28:20 Potential30:27 Possibilities32:43 When we reconnect with our purpose, everything else begins to flow more often42:33 Comments and questions from the audience52:13 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-biau.linkedin.com/in/suzi-petrozzi-23403958https://bodymindcentral.com.au/https://www.facebook.com/BodyMindCentral----- 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. 

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/Intro01:28 Introduction of Alissa Childs 03:18 Assessing Income for Salaried Doctors11:34 Complexities of ABN Income and Multiple Jobs17:21 Parental Leave and Its Impact on Loan Assessment24:51 Doctors on short-term income26:14 Dynamics between Home Loan Residential Bankers, Business Bankers and Private Bankers31:07 Using Trusts and SMSFs for Borrowing40:04 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.twobirdsoneloan.com.au/https://web.facebook.com/twobirdsoneloanhttps://www.linkedin.com/in/alissa-childs-8816777a/-----LISTEN TO THE PODCASTSpotify: 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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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/Hook01:31 Rich Introduction02:43 Advise for people doing value-adding or development activities03:43 Why do value adding?05:26 Process of Renovations10:21 Managing Renovations11:21 Cosmetic Renovations and Risk Management14:49 Granny Flats and Structural Renovations20:03 Knockdown and Rebuild Strategies30:36 Passive Development and Joint Ventures34:11 Rooming Houses and High-Yield Investments36:59 Legislative Challenges and Opportunities37:43 Syndicated Investment and Group Participation46:23 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.propertybuyer.com.au/https://www.linkedin.com/in/sydney-buyers-agent-----LISTEN TO THE PODCASTSpotify: 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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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/Hook01:23 Debate on Stocks vs. Property03:00 Using Property as an Investment Tool04:01 Doctors' Risk Aversion and Leverage07:30 Strategies for Overcoming Analysis Paralysis09:26 The Power of Property for Medical Professionals13:54 Choosing the Right Property45:59 Pitfalls to Avoid in Property Investment44:15 The Role of a Buyer's Agent47:18 Future Predictions and Market Trends48:13 Predictions on Property Prices50:00 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.propertybuyer.com.au/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 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. 

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/Hook01:53 Alissa's Background03:05 First Home Owners Gruarantee to 5% Deposite Scheme03:51 Lenders Mortgage Insurance06:04 Details of the 5% Deposit Scheme and LMI Waivers13:50 Stamp Duty Concessions and First Home Owner Grants18:26 First Home Super Saver Scheme (FHSS)26:06 Parental Guarantees and Investment Strategies36:53 Scenario Planning for New Doctors40:04 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.twobirdsoneloan.com.au/https://web.facebook.com/twobirdsoneloanhttps://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 Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast -----<

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/Hook01:28 Becky's Background02:35 Male Infertility and Age Factors08:00 Miscarriage Problems Due to Male problems10:28 Other Male Infertility problems11:56 Biopsy and aspiration16:51 Impact of male lifestyle in having a baby20:23 Advise for female and male doctors in planning to have a pregnancy27:26 Fertility Preservation and Embryo Creation29:54 Companies supporting Egg Freezing 35:02 Challenges and Considerations in Fertility Preservation38:23 Legislation and Donor Work for Same-Sex Couples42:26 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bidrbeckytaylor.com.auinstagram.com/dr.beckytaylorfacebook.com/drrebecca.beckytaylor-----LISTEN TO THE PODCASTSpotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608 -----FIND US HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors ----- DISCLAIMERThe 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. 

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/Intro01:19 Introduction and Background of Dr. Becky Taylor03:29 Trends in Fertility and Fertility Preservation07:07 Ovarian Reserve Assessment and Fertility Preservation Advice11:50 Impact of younger eggs in ovarian reserves16:35 Impact of Endometriosis and Polycystic Ovary Syndrome on Fertility32:59 IVF Process and Egg Freezing46:28 Challenges and Considerations in Fertility Preservation48:34 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bidrbeckytaylor.com.auinstagram.com/dr.beckytaylorfacebook.com/drrebecca.beckytaylor-----LISTEN TO THE PODCASTSpotify: 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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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/Hook01:40 Nadine’s background02:20 Components of Binding Financial Agreements03:49 Challenges and Updates in Binding Financial Agreements05:57 Impact of Binding Financial Agreements on Relationships11:05 Parenting Agreements and Orders12:42 Complexities in Blended Families and Grandparental Rights15:58 Alternative Dispute Resolution Methods18:41 Mediation and Its Benefits24:29 Challenges in Collaborative Approaches27:10 Parenting Orders and Child Agency38:05 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/nadine-udorovic-7a7a619/https://nicholeslaw.com.au/-----LISTEN TO THE PODCASTSpotify: 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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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.

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/Intro01:49 Nadine's Introduction and Background05:53 Continuing the Legacy of John Udorovic QC06:51 Role of a Family Law Specialist12:53 The Role of Binding Financial Agreements (BFAs)16:49 Independent Legal Representation and Client Demographics23:32 Legal Definitions and Complexities of De Facto Relationships41:30 The Process of Divorce and Financial Settlements48:20 Challenges of Parenting Cases51:18 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/nadine-udorovic-7a7a619/https://nicholeslaw.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 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. 

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/Intro01:45 Dina Titkova's Role and UNSW Founders06:41 The Role of Accelerators in Deep Tech12:49 Case Studies of Health 10x Program Successes25:21 Challenges and Opportunities in Women's Health Innovation36:56 The Future of Health Innovation and Global Collaboration42:40 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/dinatitkova/https://unswfounders.com/----- 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. 

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/Intro01:38 Lisa's Background02:27 Overview of Medical and Dental Insurance Ecosystem in Australia03:55 Specialty-Based Insurance Risk and Pricing05:20 Ogden Rates and Severity of Loss08:06 High-Risk Specialties and Litigation12:34 For-Profit vs. Membership-Based Organisations12:54 Medical Indemnity System in Australia18:44 Practice Indemnity and Its Importance25:58 Management Liability and Employment Practices28:24 Property and Business Interruption Insurance31:28 Cyber Security and Insurance44:35 Prevention and Preparedness45:17 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/lisa-hiscock-7308a259/----- 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 personal

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors -----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.-----TIME STAMPS:00:00 Intro/Hook02:03 Starting with Online Presence/Ways and Tactics11:58 Simplifying Communication and Reducing Friction15:53 Key components of the website21:05 Advertising and Organic Content Strategy26:54 Disseminating Knowledge and Combating Misinformation36:16 Balancing Entertainment and Professionalism39:29 Engagement Metrics and Remarkability Decay43:22 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://tinyurl.com/linkedin-kan-huanghttps://www.instagram.com/socialwave.au/http://www.socialwave.au/----- LISTEN TO THE PODCASTSpotify: 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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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 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.-----TIME STAMPS:00:00 Intro/Hook02:09 Dina's Background03:01 How Dina Titkov ended up in Australia07:00 Health 10x Accelerator Program at UNSW Founder08:38 Types of Companies 10x Accelerator Program Helps10:04 Challenges and Opportunities in University Commercialisation12:30 What can we do better in Australia22:48 Early Career Academic Fellowship Programme24:42 Improving University Spin-Out Processes32:07 Clinician-Led Innovation and Health Innovation Precincts38:40 Engaging Clinicians in Health Innovation43:38 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/dinatitkova/https://unswfounders.com/----- 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 cons

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors -----In this episode of Investing for Doctors, Dr Bi 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.-----TIME STAMPS:00:00 Intro/Hook02:11 Lisa Hiscock's Background and Career in Insurance03:55 Lloyd's of London/Understanding Insurance and Reinsurance05:40 General Insurance Brokerage and Its Scope07:46 How Insurance works16:39 Property Insurance and Its Components18:28 Owner-occupier Insurance26:27 Landlord Insurance and Strata Responsibilities30:29 Aggregation of Insurance Risks and Government Involvement40:36 Technological Advancements in Risk Assessment44:07 Services Provided by Insurance Brokers46:17 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/lisa-hiscock-7308a259/----- 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. 

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors -----In this episode of Investing for Doctors, Dr Bi 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.-----TIME STAMPS:00:00 Hook/Intro02:09 Introduction to Samara Mcheileh and Female-Focused Fund02:48 Samar's Journey as Medical Angel06:27 What does investing mean for Samar10:10 Journey into Venture Capital and Gender Dynamics16:56 Economic Opportunity and Market Inefficiencies28:02 Fund Structure and Investor Support36:22 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/samarmcheileh/https://scaleinvestors.com.au/https://www.instagram.com/scaleinvestors/----- 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. 

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors -----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.-----TIME STAMPS:00:00 Intro/Hook02:56 Kan’s background03:49 Reasons to build your personal brand and grow your reputation08:11 What drives referral behaviour: the know–like–trust factor12:09 The impact of your name on building a personal brand19:46 Building your reputation26:58 Claiming your personal brand29:37 The power of personal branding for doctors38:32 Actionable steps to build your personal brand45:42 Building your offline reputation50:58 Conclusion / Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://tinyurl.com/linkedin-kan-huanghttps://www.instagram.com/socialwave.au/http://www.socialwave.au/-----LISTEN TO THE PODCASTSpotify: 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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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 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.-----TIME STAMPS:00:00 – Intro01:49 – What is Medical Angels and how it started03:03 – The origin story: how Dr Bi and Dr Amandeep teamed up14:04 – Investing in healthcare startups and finding the right founders21:05 – The future of healthcare innovation: AI, genomics, and beyond23:57 – Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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 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. 

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 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.-----TIME STAMPS:00:00 – Intro01:31 – Meet Dr. Amandeep Hansra04:30 – Redefining What It Means to Be a Doctor08:23 – The System Is Worse & Doctors Are Suffering14:48 – “Wasting” Your Medical Degree?18:50 – The Weight of Being a Decision Maker21:21 – Doing Work You Actually Love29:12 – Bottlenecks in Medicine31:04 – Investing in Yourself33:22 – Doctor Anxiety & Performance Pressure38:06 – Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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 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. 

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 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.-----TIME STAMPS:00:00 Hook / Intro03:48 Dr Nick Spooner’s Journey & Role at ASMOF NSW08:12 Impact of Outdated Award System on Junior Doctors18:40 Pay Disparity & Challenges Attracting Doctors30:40 Challenges in the Public Health System31:08 Industrial Action & Mutual Gains Bargaining39:49 Staff Specialists vs VMOs45:28 Industrial Action & Workforce Deficit59:41 Psychiatry Crisis & Government Response1:07:11 Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://au.linkedin.com/in/nicholasspoonerhttps://www.asmof.org.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 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. 

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/Hook02:02Cassandra Tredwell's Background and So They Can’s Mission03:24 Health and Education Integration06:57 Challenges and Solutions in Health and Education10:41 Community Health Projects and Sustainability13:57 Medical Camps and Community Empowerment17:04 Challenges of Gender Violence and Cultural Practices23:01 Impact of Education on Community Development32:44 Geopolitical and Technological Impact on Development48:38 Conclusion/Outro—---SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/cassandra-treadwell-00a22832/https://www.sotheycan.org/-----LISTEN TO THE PODCASTLISTEN TO THE PODCAST:Spotify: https://spoti.fi/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon Music: https://amzn.to/3DoyJnP-----FIND US HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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/Hook02:23 Cassandra's Background Where So They Can Started11:22 What is a charity? 17:54 Registration and Accreditation by ACNC21:48 How to assess a charity27:07 Audited annual reports & accountability31:31 Where So They Can operates37:26 From $30k to now: how So They Can scaled47:11 Conclusion/Outro—---SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/cassandra-treadwell-00a22832/https://www.sotheycan.org/----- LISTEN TO THE PODCAST LISTEN TO THE PODCAST:Spotify: https://spoti.fi/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon 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 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. 

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/Hook02:24 Retirement and Succession Planning03:05 Retirement Phase and Taking care of your parents07:53 Transition to Retirement11:07 Recontribution Strategy15:07 Intergenerational Wealth Transfer and Estate Planning26:20 Aged Care and Financial Planning33:58 Cultural Considerations in Financial Planning40:10 The Role of Financial Advisors in Different Life Stages44:42 Conclusion/Outro—---SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/roger-wheelahan-8ba53149/----- LISTEN TO THE PODCAST LISTEN TO THE PODCAST:Spotify: https://spoti.fi/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon 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 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.  

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/Hook02:00 Mid-career investment journey03:50 Making sure insurances are up to date05:05 Managing Financial Tensions and Diversification12:55 Value of having an Adviser, Property Investment and Financial Advisors21:18 Risk and Volatility in Investing31:47 Diversification and Asset Allocation35:22 Planning for Future Generations40:45 Retirement Planning for Parents45:27 Navigating Aged Care and Estate Planning48:54 Conclusion/Outro—---SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/roger-wheelahan-8ba53149/----- LISTEN TO THE PODCAST LISTEN TO THE PODCAST:Spotify: https://spoti.fi/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon 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 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.  

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/Hook01:42 Guest Introduction02:24 Role of Financial Advisor and Misconceptions03:59 The important asset is YOU05:44 Understanding Debt and HEX Debt09:15 Insure yourself13:54 5 D Approach of Risk15:24 Types of Insurance and Their Importance24:33 Financial Planning for Married Doctors33:52 Value of the Financial Adviser41:14 Structuring Assets and Tax Incentives49:47 Conclusion/Outro—---SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/roger-wheelahan-8ba53149/----- LISTEN TO THE PODCAST LISTEN TO THE PODCAST:Spotify: https://spoti.fi/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon 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 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.  

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/Intro01:36 Guest's Background and Introduction02:45 Explanation of US Treasury Bonds and Their Impact08:22 Comparison of US and Australian Home Loans11:56 Impact of US Government Debt and Budget Deficits17:32 Trade Wars and Their Economic Impact23:22 De-Dollarisation and Its Implications33:20 Australian Economic Outlook and Challenges35:05 Investment Strategies for Short-Term Cash45:43 Managed Funds and ETFs for Higher Yields47:23 Conclusion/Outro—---SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/daniellamp/https://acesse.one/spotify-passive-income-doctor----- LISTEN TO THE PODCAST LISTEN TO THE PODCAST:Spotify: https://spoti.fi/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon 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 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.  

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/Intro01:53 Guest's Background and Coolabah Capital Investments05:22 Understanding Bonds and Their Liquidity13:08 Types of Bonds and Their Risks19:25 Capital Gains and Losses in Fixed Rate Bonds and FRN28:42 The Role of ETFs in Bond Investing30:46 Difference between Bonds and Property investments39:01 Credit Ratings and Bond Risk Management41:39 The Liquidity and Efficiency of the Bond Market44:44 Conclusion/Outro—---SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/daniellamp/https://acesse.one/spotify-passive-income-doctor----- LISTEN TO THE PODCAST LISTEN TO THE PODCAST:Spotify: https://spoti.fi/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon 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 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. 

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/Hook01:20  Dr Daniel’s Portfolio GP Career02:25 Choosing General Practice and Its Viability08:17 GP Training and Its Challenges12:30 Sustainability of General Practice19:18 Impact of Urgent Care and Telehealth on General Practice25:03 Traditional GP work and the need for GPs to balance different roles29:27 Rebranding GP, Future of General Practice and AI in Medicine33:15 Challenges and Opportunities in Rural and Remote Areas34:06 AI in medicine and Primary Care40:31 Healthcare Worker Pay and Strikes44:25 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 LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/daniellamp/https://acesse.one/spotify-passive-income-doctor----- LISTEN TO THE PODCAST LISTEN TO THE PODCAST:Spotify: https://spoti.fi/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon 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 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. 

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/Intro01:43 Eloise Dooley's Background and Commercial Lending Basics07:28 Lease Doc vs. Full Doc Loans17:53 Navigating Commercial Lending Processes24:02 Choosing the Right Lender and Managing Risks32:30 Annual Reviews and Loan Rollovers37:37 Conclusion/Outro----- SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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  ----- 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.  

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/Hook01:43 Rich's Background02:32 How to build your portfolio06:39 Reverse Engineering Your Numbers08:58 Overcoming Serviceability Constraints12:57 Competition in Rental18:05 Structuring Property Investments22:45 Starting Your Investment Journey + Role of Financial Advisers26:11 Impact of Labor's Housing Plan (1.2M Dwellings)33:29 Negative Gearing in Australia43:39 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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

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/Hook01:42 - Daniel’s Background02:38 - Daniel’s Investment Journey04:55 - First Property Investment: What It Took08:50 - Regrets About His First Property Investment13:42 - Rental Yield Back Then vs Now14:41 - Lending Then vs Now: What’s Changed15:41 - How Daniel Built His Property Portfolio19:32 - From Individual Name to Discretionary Trust with a Corporate Trustee22:25 - What’s Next After Building 11 Properties?24:43 - The Limits of Owning Multiple Properties26:10 - Housing Affordability in Australia28:06 - 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 Then48:31 - The Concept of Negative Gearing Explained49:24 - What If the 50% Capital Gains Tax Discount Was Removed?51:04 - Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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. 

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/Intro01:28 Guest Background02:01 Buying and Selling a Practice03:18 Process of Cardiologist setting up a Practice04:48 Engagement of a Lawyer when setting up a Practice07:29 Exercising your Option09:02 Engagement of a Lawyer when Buying a Practice10:11 Shareholders Agreement13:31 Employment Law18:11 Two forms of Contractor22:56 Employment Arrangements25:07 Difference between Constitution and Shareholders Agreement34:36 Structure Valuation38:45 Process of a Big Corporate Buying a Practice50:18 Process of Buying Other Practice52:27 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/justin-fung-53a9647b/?originalSubdomain=auhttps://avant.org.au/law-----LISTEN TO THE PODCASTSpotify: 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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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/Hook02:03 Interest Rate Cuts and Their Economic Impact09:53 International Relationship Impact on the Economy16:53 Affordability in Homes18:45 Impact of Social Media in Investing20:44 Labor's Proposed Legislation on Superannuation Assets27:48 The Complexity of Taxing Unrealised Gains37:19 The Role of Legislation and Policy in Investment Decisions43:18 The Future of Property Investment and Economic Stability47:28 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/munzurul-khan-7ba6a318https://khipartners.com.au/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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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/Intro01:43 Elouise Dooley's Background and Commercial Lending Basics07:28 Full Doc vs Lease Doc Loans17:53 Navigating Commercial Lending Processes24:02 Choosing the Right Lender and Managing Risks32:30 Annual Reviews and Loan Rollovers37:37 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://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 ----- 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. 

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/Intro01:21 Introduction of Guest01:45 Things you need to do before taking over the next Financial Year02:40 Deductions for Individual Tax Returns06:13 Investment Property and Deductions12:19 Superannuation Contributions and Strategies15:48 Legislative Changes and Future Planning20:31 Substantiation and Audit Preparation25:28 Timing and Permanent Differences in Tax Planning35:01 Continuous Tax Planning and Accountant Relationships38:07 Final Advice and Recommendations/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/munzurul-khan-7ba6a318https://khipartners.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 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. 

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/Intro01:51 Justin’s Background – Who is Avant Law and How Do They Help Doctors?05:41 Process of Becoming a Lawyer12:24 Difference Between a Commercial Lawyer and Corporate Lawyer15:21 Understanding Employment Law17:32 Other Branches of Commercial Law20:20 How Lawyers Assist Doctors with Personal Legal Issues23:23 Common Family Law Issues and the Role of Lawyers25:43 Criminal Law and Its Implications for Doctors27:34 Other Specialised Areas in Corporate and Commercial Law29:02 Differences Between Tax Lawyers and Accountants30:40 Attorney-Client Privilege and Confidentiality32:49 Summary of the Different Branches of Law33:12 How to Choose the Right Lawyer36:45 Exclusive benefits for Avant members42:00 Conclusion/Outro-----SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://www.linkedin.com/in/justin-fung-53a9647b/https://avant.org.au/law-----LISTEN TO THE PODCASTSpotify: 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 HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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/Introduction02:42 What is SMSF, and why is there an SMSF06:54 Where to find the best advice for SMSF09:04 Importance of a Financial Planner when setting an SMSF10:33 Should and should not get an SMSF for13:14 Using SMSF to invest in a property or the stock market20:22 Structuring SMSF28:18 Purpose of getting an SMSF33:21 Case study36:40 Importance of numbers39:20 SMSF is a tax-privileged structure43:19 Transferring assets into an SMSF45:26 Conclusion/Outro----- SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://khipartners.com.au/ 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/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon Music: https://amzn.to/3DoyJnP -----FIND US HEREWebsite: https://ifdgroup.com.au/ Facebook Group: https://www.facebook.com/groups/investingfordoctors Facebook Page: https://www.facebook.com/investingfordoctors -----DISCLAIMERThe 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. 

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/Intro01:13 What happens when you're not quite dead but can't make decisions?02:39 Testamentary Capacity03:48 Capacity Check on a Client05:18 Power of the Attorney07:04 Temporary and Permanent Incapacity11:58 Guardianship14:53 Appointing the right people22:34 Advance healthcare directives27:32 Following Advance healthcare directives29:25 Conflict in the Law35:06 Estate planning should be tailored37:30 Lifestyle wishes and financial wishes conflict39:28 Guardianship tribunal42:30 Capacity issue of the will45:30 Conclusion/Outro----- SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://empire.law/https://au.linkedin.com/in/tyronedutthttps://www.facebook.com/3mpireLaw ----- 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.  

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/Hook01:17 Nafees and Alissa's Background05:07 Initial Property Loans and Long-Term Goals08:46 Setting Up the Right Entities12:44 Borrowing Capacity and Structuring Strategies15:36 Trusts and Company Structures for Property Investments22:09 Capitalise the Trust and Depreciation, and Non-Concessional Contributions25:31 Trust is Self-Sufficient Letter of Accountant28:38 Borrowing More Money31:55 Market Company Trust33:56 Borrowing from a Company34:51 Bought a Property in a Company38:22 Borrowing Within a Trust or a Company41:20 Lease Stock and Commercial Property Investments46:38 Conclusion/Outro----- SHOW NOTES LINKShttps://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bihttps://khipartners.com.au/ https://www.linkedin.com/in/nafees-huda-42671040/https://www.twobirdsoneloan.com.au/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 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. 

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 LINKShttps://ifdgroup.com.au/duotax https://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-biTuan’s Linkshttps://duotax.com.au/ https://www.linkedin.com/in/duoquantitysurveyors/ 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/3FoBRAyApple Podcast: https://apple.co/4iks50NAmazon 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 -----TIME STAMPS00:00 – Introduction01:30 – Thresholds and Unrealized Gains03:15 – SMSF Investing Trends05:00 – Leveraging SMSF for Property Purchase07:45 – Depreciation and Valuation Reports09:30 – Private Valuers vs. Bank Valuations12:00 – Land Tax Objections14:30 – Utilisation of Valuation Services17:00 – Interaction with ATO and State Revenue Offices19:15 – Construction Valuations and Quantity Surveyors22:00 – Differences Between Valuers and Quantity Surveyors24:30 – Challenges in Valuing Unique Properties26:00 – Conclusion and Future Discussions-----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.