A financial adviser for doctors who keep losing half their income to tax.
High marginal-tax brackets, locum income, indemnity premiums, and SMSF property all under one adviser who has done this work for medical professionals before.
Four conversations medical clients keep needing.
Same practitioner, same file, across all four. No handoffs to a separate tax adviser, broker, or buyer's agent.
High marginal-tax structuring
If you are on the top bracket, every untaxed dollar matters. Salary packaging, deductible debt, and tax-effective investment vehicles inside the planning engagement.
Income protection that pays out
Personal risk for medical careers is technical. Underwriting requires health records, sometimes from offshore systems. Opes has set up policies for clients pulling records from NHS.
SMSF for property hold
30+ SMSF loan clients. Strategy advice and the SMSF loan under one adviser. New residential LRBAs end 10 August 2026; commercial is unaffected. Specialist lender panel: La Trobe, Mortgage Ezy, Pepper, Granite Home Loans.
Dual-loan property structure
Owner-occupier loan and investment loan structured side-by-side, so deductibility and cash-flow planning line up from day one. 50+ lender panel via Outsource Financial.
Why this works for medical careers specifically.
Doctors and specialists tend to start earning real money five to ten years after their peers, then accelerate fast. The standard planner playbook does not handle that curve. Opes does.
The same person sees the locum-to-PAYG-to-private-practice transitions, the indemnity premiums, the registrar-to-fellow income jumps. The advice notes track the career rather than starting over each time you change roles.
Practical track record: extensive work with specialist doctors across income protection, TPD cover, SMSF, and property investment. The tax piece usually sits under tax-effective investing rather than year-end fixes, with retirement planning taking over as careers settle.
Engagement snapshot.
Plain numbers. No hidden bundling.
- First consultation
- Free. About 30 minutes.
- Typical broker loan
- $500K to $800K
- Typical BA property
- $800K to $2M
- BA fixed fee
- From $10,000 + GST
- FP for BA clients
- No extra fee
- Service area
- Australia-wide. Virtual or in person.
What doctors have said.
Two verbatim quotes from specialist doctors who have engaged the firm.
Balki and Opes Financial solutions provided us with highly professional and ethical advice regarding our financial planning, investment and housing needs.
He had helped me right from the beginning in setting up my personal risk insurance, which I thought was incredibly difficult as I had to obtain my health record details from NHS.
Continue reading
- SMSF lendingAdvice and lending under one adviser. 30+ SMSF loan clients.
- Income protectionCover that pays out, underwritten with full medical records.
- TPD insuranceLump-sum cover where the income protection floor is not enough.
- Tax-effective investingStructures and deductions for top-bracket income.
- Retirement planningWhere the medical-career plan lands long term.
- Meet the teamBalki Balakrishnan and Kruti Balakrishnan.
Any general information on this page does not take into account your personal objectives, financial situation, or needs. Read the relevant Product Disclosure Statement before acquiring any product mentioned. Personalised advice happens in the consultation, where your circumstances are on the table.
One file. Four conversations. One Balki.
If you are a doctor or specialist wanting one adviser across tax, insurance, SMSF, and property, the first call is free.